Uniservices is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €313k and a net result of €58k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 46% of 3325 sector peers (fiscal year 2024). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-10-2025, 76 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
76 d late
2023
71 d late
2022
65 d late
2021
26 d late
2020
15 d late
2019
90 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€313k▼ 0.4%
2023 · €315k
2018: €67k
2019: €128k
2020: €213k
2021: €260k
2022: €270k
2023: €315k
2018 → 2024
Net result
€58k▲ 31.8%
2023 · €44k
2018: €49k
2019: €61k
2020: €85k
2021: €58k
2022: €11k
2023: €44k
2018 → 2024
Total assets
€688k▼ 10.9%
2023 · €772k
2018: €248k
2019: €360k
2020: €497k
2021: €588k
2022: €541k
2023: €772k
2018 → 2024
Solvency
45.6%▲ 4.8pp
2023 · 40.7%
2018: 27.2%
2019: 35.6%
2020: 42.8%
2021: 44.1%
2022: 50.0%
2023: 40.7%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€213k-€260k▲ 21.9%€270k▲ 4.2%€315k▲ 16.3%€313k▼ 0.4%
Operating result€126k-€87k▼ 31.4%€34k▼ 60.5%€122k▲ 256%€91k▼ 25.5%
Net result€85k-€58k▼ 31.9%€11k▼ 81.3%€44k▲ 309%€58k▲ 31.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 25% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €688k
Fixed assets
€268k▼ 23.4%
Current assets
€420k▼ 0.6%
Equity and liabilities €688k
Equity
€313k▼ 0.4%
Debt
€374k▼ 18.2%
The debt ratio falls from 59.3% to 54.4%. Equity and debt are lower.
Key figures and ratios
Solvency
45.6%▲
2023 · 40.7%
ROE
18.6%▲
2023 · 14.0%
ROA
8.5%▲
2023 · 5.7%
Debt
€374k▼
2023 · €457k
Debt ≤ 1 year
€125k▼
2023 · €182k
Debt > 1 year
€189k▼
2023 · €220k
Income taxes
€35k▼
2023 · €41k
Staff costs
€190k▲
2023 · €153k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€772k€688k▼
Fixed assets21/28€350k€268k▼
Intangible fixed assets21€32k€19k▼
Tangible fixed assets22/27€316k€247k▼
Land and buildings22€194k€182k▼
Plant, machinery and equipment23€5k€11k▲
Furniture and vehicles24€116k€54k▼
Financial fixed assets28€2k€2k=
Current assets29/58€422k€420k▼
Amounts receivable within one year40/41€398k€376k▼
Trade receivables40€252k€117k▼
Other amounts receivable41€146k€259k▲
Cash at bank and in hand54/58€22k€41k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€772k€688k▼
Equity10/15€315k€313k▼
Contributions10/11€19k€19k=
Reserves13€285k€283k▼
Tax-exempt reserves132€36k€36k=
Distributable reserves133€249k€246k▼
Profit (loss) carried forward14€11k€12k▲
Amounts payable17/49€457k€374k▼
Amounts payable after more than one year17€220k€189k▼
Financial debts170/4€220k€189k▼
Amounts payable within one year42/48€182k€125k▼
Current portion of amounts payable after more than one year42€19k€19k▲
Trade debts44€141k€24k▼
Suppliers440/4€141k€24k▼
Taxes, remuneration and social security45€22k€21k▼
Taxes450/3€6k€224▼
Remuneration and social security454/9€16k€21k▲
Other amounts payable47/48-€61k
Accrued charges and deferred income492/3€56k€60k▲
Income statement
Code20232024
Remuneration, social security and pensions62€153k€190k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€45k▼
Other operating charges640/8€7k€5k▼
Gross operating margin9900€335k€332k▼
Operating profit (loss)9901€122k€91k▼
Financial income75/76B€5k€11k▲
Recurring financial income75€4k€11k▲
Non-recurring financial income76B€1k-
Financial charges65/66B€42k€8k▼
Recurring financial charges65€7k€8k▲
Non-recurring financial charges66B€34k-
Profit (loss) for the period before taxes9903€85k€93k▲
Income taxes67/77€41k€35k▼
Profit (loss) for the period9904€44k€58k▲
Profit (loss) for the period to be appropriated9905€44k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€55k€69k▲
Profit (loss) brought forward from the previous period14P€11k€11k=
Transfer from equity791/2-€61k
Transfer to equity691/2€44k€58k▲
To the legal reserve6920-€58k
To other reserves6921€44k-
Shareholders' contribution to the loss794-€1k
Profit to be distributed694/7-€61k
Return on contributions (dividend)694-€61k
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
15-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 76 days late
2024
10-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 71 days late
2023
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 65 days late
2022
31-12
Financial
Weakest financial yearnet €11k ▼81.3%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
15-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 15 days late
2020
31-12
Financial
Highest result since 2018net €85k ▲39.3%
Operating result €126k, net result €85k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 5.87
Current ratio from 1.45 to 5.87; short-term debt falls from €105k to €74k.
31-12
Financial
Equity above €200kEq €213k ▲66%
3 profitable years in a row build equity to €213k.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
31-12
Financial
Equity above €100kEq €128k ▲90.1%
2 profitable years in a row build equity to €128k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Soignies · 1 establishment unit since 1992
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Place Verte 77060 SoigniesGround area
177 m²
Building footprint
48 m²
Volume, LiDAR
536 m³
Parcel 55402F0329/00C000, Wallonia · tallest building 14.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
UNISERVICES SPRL
since 19922.058.578.639
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55402F0329/00C000 | Wallonia | 177 m² | 1 · 47 m² | 14.3 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,687 companies in sector 66220 we hold annual accounts for 3,231. 2,744 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-06-1992
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.