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United Underwriters

Active
Steenweg op Mechelen 455 ·1950 Kraainem, Belgium
KBO/BCE: BE 0755.968.312
Watch Print / PDF
Age5 yrs
Board7
Connections12
Real estate2 parcels · 1.3 ha

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of United Underwriters is 0.3% (very low). The 2024 annual accounts show equity of €2.56M and a net result of €1.53M. Equity is growing by ~19.5% per year across the filed fiscal years. Its solvency ranks better than 64% of 972 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

1 signal · with evidence
Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 13 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-06-2025, 45 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 16-06-2025 45 d early 2025-00140728
31-12-2023 31-07-2024 30-07-2024 1 d early 2024-00308787
31-12-2022 31-07-2023 05-07-2023 26 d early 2023-00208702
31-12-2021 31-07-2022 26-07-2022 5 d early 2022-20221321

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.3% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€1.53M+254.5%
Working capital€-1.90M-485.8%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 16-06-2025 with the NBB · fiscal year 2024 · volledig
€-500k€0€500k€1.00M€1.50MOperating result 2021: €-15k€-15kNet result 2021: €-35k€-35kOperating result 2023: €-15k€-15kNet result 2023: €432k€432kOperating result 2024: €-12k€-12kNet result 2024: €1.53M€1.53M202120232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~19.5%/year over 3 fiscal years, indicative, assuming unchanged policy.
€1.00M€2.00M€3.00M€4.00M2025: €3.06M (€2.85M - €3.26M)2026: €3.55M (€3.35M - €3.76M)2027: €4.04M (€3.84M - €4.25M)2021: €1.08M2023: €2.53M2024: €2.56M202120232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 57.3% 39.7%
better than 64% of 972 sector peers
Net result €1.53M €32k
better than 94% of 972 sector peers
Equity €2.56M €152k
better than 82% of 973 sector peers
Total assets €4.47M €748k
better than 79% of 972 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€1.53M
+254.5% 21-24
Total assets
€4.47M
-1.8% 21-24
Equity
€2.56M
+1.2% 21-24
Working capital
€-1.90M
-485.8% 21-24
Dividends
€1.50M
- 21-24
Debt
€1.91M
-5.6% 21-24
Debt ≤ 1y
€1.90M
+367.6% 21-24
Debt > 1y
€0
-100.0% 21-24
Current ratio
0.00
-99.8% 21-24
Quick ratio
0.00
-99.8% 21-24
Solvency
57.3%
+3.1% 21-24
Debt / equity
0.74
-6.7% 21-24
ROE
59.7%
+250.2% 21-24
ROA
34.2%
+261.0% 21-24
Figures by fiscal year
Fiscal year2024
Depositvolledig
Revenue-
EBITDA-
Net profit€1.53M
Cash flow-
Staff costs-
Income taxes-
Dividends€1.50M
Total assets€4.47M
Equity€2.56M
Debt€1.91M
of which ≤ 1y€1.90M
of which > 1y€0
Working capital€-1.90M
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.00
Quick ratio0.00
Working capital ratio-42.6%
Solvency57.3%
Debt / equity0.74
Long-term debt ratio0.00
Interest coverage-
Gross margin-
Net margin-
ROA34.2%
ROE59.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€4.47M
Fixed assets 21/28€4.47M
Financial fixed assets 28€4.47M
Current assets 29/58€822
Stocks & contracts in progress 3€0
Amounts receivable within one year 40/41€0
Cash & bank 54/58€822
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€4.47M
Equity 10/15€2.56M
Contributions / capital 10/11€1.95M
Accumulated profits (losses) 14€613k
Amounts payable 17/49€1.91M
Amounts payable after one year 17€0
Amounts payable within one year 42/48€1.90M
Trade debts payable within one year 44€8k
Income statement
Operating result 9901€-12k
Financial income 75€1.60M
Financial charges 65€57k
Result before taxes 9903€1.53M
Net result for the period 9904€1.53M
Result to be appropriated 9905€1.53M
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
63 / 100 Healthy
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Directors

Directors & mandates

13 directors
Current directors & mandates
  • ABCDHLegal entity
    Director· perm. rep.: DE HAAN Frédéric Paul-Emile Régine Ghislain
    State Gazette act 25367728 (05-11-2025)
    Current
    20-10-2025 → present
    2 events
    • 20-10-2025 Resigned· Director
    • 20-10-2025 Appointed· Director
  • BVDHLegal entity
    Director· perm. rep.: VANDER HAEGHEN Bertrand Antoine Isidore
    State Gazette act 25367728 (05-11-2025)
    Current
    20-10-2025 → present
    2 events
    • 20-10-2025 Resigned· Director
    • 20-10-2025 Appointed· Director
  • JPT&Legal entity
    Director· perm. rep.: PRENEEL David Bavo Gabriel Frans Jozef
    State Gazette act 25367728 (05-11-2025)
    Current
    20-10-2025 → present
  • MIRELLALegal entity
    Director· perm. rep.: SMEULDERS Joris Franciscus Theodoor
    State Gazette act 25367728 (05-11-2025)
    Current
    20-10-2025 → present
    2 events
    • 20-10-2025 Appointed· Director
    • 20-10-2025 Appointed· Managing director
  • ShawCoLegal entity
    Director· perm. rep.: SHAW AROCENA Federico
    State Gazette act 25367728 (05-11-2025)
    Current
    20-10-2025 → present
  • SMEULDERS Joris Franciscus Theodoor
    Managing director
    State Gazette act 25367728 (05-11-2025)
    Current
    20-10-2025 → present
  • Pierre CREUVEN
    Director
    State Gazette act 25017031 (03-02-2025)
    Current
    02-12-2024 → present
Former directors (6)
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Statutory auditor

1 auditor
Statutory auditor IRE/IBR number Tenure
KPMG Bedrijfsrevisoren BV/SRLCurrent
Statutory auditor · represented by Christophe Vanderstocker
 - 18-08-2025 → present
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies(70200)
Legal form Private limited company(610)
Incorporation09-10-2020
StatusActive
Postal code1950

Structure & network

Connections & network

12 connected companies
ABCDH, Sits on the board AABCDHBVDH, Sits on the board BBVDHJPT&, Sits on the board JJPT&MIRELLA, Sits on the board MMIRELLAShawCo, Sits on the board SShawCoPierre CREUVEN, Shared director, links 5 companies PC Pierre CREUVENASSOCIATION POUR LA LUTTE CONTRE LA FRAUDE A L'ASSURANCE, via Pierre CREUVEN APASSOCIATIONPOUR LA …RANCEBureau belge des Assureurs Automobiles - Belgisch Bureau van de Autoverzekeraars, via Pierre CREUVEN BBBureau belgedes Assu…raarsCOMPENS®, via Pierre CREUVEN CCOMPENS®Fonds commun de Garantie belge, via Pierre CREUVEN FCFonds communde Garan…belgeVANDER HAEGHEN en Co, via Pierre CREUVEN VHVANDER HAEGHENen CoSMEULDERS Joris Franciscus Theodoor, Shared director SJ SMEULDER…odoorBeluga Insurance Solutions, Shared address BIBelugaInsuranc…tionsUnited Underwriters UnitedUnderwriters0755.968.312
Group structureShared directorsShared address / shareholder
Group structure
ABCDH
Sits on the board · 2 subsidiaries · 1 location
Control→
BVDH
Sits on the board · 2 subsidiaries · 1 location
Control→
JPT&
Sits on the board · 1 subsidiary · 1 location
Control→
MIRELLA
Sits on the board · 2 subsidiaries · 1 location
Control→
ShawCo
Sits on the board · 1 subsidiary · 1 location
Control→
Linked via shared directors
Network connections
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Ownership & control

5 parties
Control over this companysits on this company's board5
ABCDH
2 subsidiaries · 1 location
BVDH
2 subsidiaries · 1 location
MIRELLA
2 subsidiaries · 1 location
JPT&
1 subsidiary · 1 location
ShawCo
1 subsidiary · 1 location
controls
United UnderwritersBE 0755.968.312

Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.

Locations & real estate

Registered office

from the Crossroads Bank
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.

Steenweg op Mechelen 4551950 Kraainem

Establishment units

1 location
Nerviërslaan 85, 1040 Etterbeek
Holdings
since 20202.309.545.947
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area1.3 ha
Buildings2
Building footprint1,981 m²
Volume (LiDAR)67,693 m³
Tallest building42.8 m · ±14 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
22002C0073/00N009 Flanders 1.1 ha 1 · 865 m² 42.8 m · 14 fl.
21005A0403/00Z000 Brussels 1,413 m² 1 · 1,116 m² 35.1 m · 11 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

6 acts
Capital history · 1
16-11-2023
v3.2
All acts · 6 updated 9 months ago
2025
05-11-2025 Articles of association amended Statutes amendment
Summary: v3.2
18-08-2025 Christophe Vanderstocker appointed as statutory auditor Director changes
  • Christophe Vanderstocker, Commissaris
Summary: v3.2
03-02-2025 1 director appointed, 1 resigning Director changes
  • Pierre Creuven, Bestuurder
  • David Destappes, Bestuurder
Summary: v3.2
2023
16-11-2023 Capital increase of €833,333 Capital & shares
Summary: v3.2
16-11-2023 Articles of association amended Statutes amendment
Summary: v3.2
2020
13-10-2020 Incorporation of a new SRL Incorporation
Summary: oprichting

Analysis

Snowflake analysis

financial profile on 5 axes
Health63Profitability100Solvency64Growth78Stability94
80 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 63
Profitability 100
Solvency 64
Growth 78
Stability 94

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 15,318 of the 81,985 companies in this sector. 2,507 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200
Primary activity highlighted.
Names & trade names
Legal nameNL United Underwriters
Registered office
Steenweg op Mechelen 455 bus 9
1950 Kraainem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.