UNITED1
ActiveSummary
UNITED1 has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€69,384) and a net result of €939. Equity is shrinking by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 4272 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability34▼-4
Solvency0=
Growth72=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.35 against 0.31 in 2024; short-term debt: 241.6% and cash: 53.6% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-141.6%
Return on assets
1.9%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 4272 sector peers (2025).
NBB · sector comparisonPosition among 4272 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-07-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 d early
2024
137 d late
2023
36 d late
2022
153 d late
2021
31 d late
2020
130 d late
2019
92 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 81 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 6 September (4 of the last 5 filed years within 100 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
€93,576▲ 82.0%
2021 · €51,412
EBIT margin
-9.6%▲ 10.7pp
2021 · -20.3%
Net result
€939
2024 · -€3,266
Working capital
-€77,003▲ 3.3%
2024 · -€79,609
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€51,412▲ 29.9%€93,576
Operating result-€10,437-€1,642▲ 84.3%-€8,992▼ 448%€104€1,151▲ 1,002%
Net result-€10,472below the sector's middle half€4,144within the sector's middle half-€7,301below the sector's middle half-€3,266within the sector's middle half▲ 55.3%€939within the sector's middle half
EBIT margin-20.3%▼ 46.4pp-9.6%
Equity-€63,902below the sector's middle half▼ 19.6%-€59,757below the sector's middle half▲ 6.5%-€67,058below the sector's middle half▼ 12.2%-€70,324below the sector's middle half▼ 4.9%-€69,384below the sector's middle half▲ 1.3%
Total assets€37,301below the sector's middle half▲ 5.5%€51,112below the sector's middle half▲ 37.0%€45,407below the sector's middle half▼ 11.2%€44,557below the sector's middle half▼ 1.9%€48,990below the sector's middle half▲ 9.9%
Debt€101,202▲ 14.0%€110,869▲ 9.6%€112,465▲ 1.4%€114,881▲ 2.1%€118,374▲ 3.0%
Working capital-€75,498below the sector's middle half▼ 14.5%-€68,136below the sector's middle half▲ 9.8%-€78,010below the sector's middle half▼ 14.5%-€79,609below the sector's middle half▼ 2.0%-€77,003below the sector's middle half▲ 3.3%
Solvency-171.3%below the sector's middle half▼ 20.2pp-116.9%below the sector's middle half▲ 54.4pp-147.7%below the sector's middle half▼ 30.8pp-157.8%below the sector's middle half▼ 10.1pp-141.6%below the sector's middle half▲ 16.2pp
Current ratio0.25below the sector's middle half=0.39below the sector's middle half▲ 0.130.31below the sector's middle half▼ 0.080.31below the sector's middle half=0.35below the sector's middle half▲ 0.04
Return on assets (ROA)-28.1%below the sector's middle half▼ 31.6pp8.1%within the sector's middle half▲ 36.2pp-16.1%below the sector's middle half▼ 24.2pp-7.3%below the sector's middle half▲ 8.7pp1.9%within the sector's middle half▲ 9.2pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1,002% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48,990
Fixed assets
€7,619 ▼ 17.9%
Current assets
€41,371 ▲ 17.3%
Equity and liabilities
Equity-€69,384
Debt€118,374
Equity is negative: debt (€118,374) exceeds the balance-sheet total (€48,990).
Key figures and ratios
EBITDA
€2,817▲
2024 · €1,771
Cash flow
€2,606▲
2024 · -€1,599
Quick ratio
0.23▲
2024 · 0.15
Interest coverage
1.49▼
2024 · 3.37
Debt ≤ 1 year
€118,374▲
2024 · €114,881
Income taxes
€18
Staff costs
€381▼
2024 · €735
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,379 companies that looked in July 2024 the way this one looks now, 2.4% went bankrupt within 24 months and 94% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a profit under 5% of the balance sheet
2.4%
went bankrupt
3.2%
stopped otherwise
94%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,379 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €51,412 | - | €93,576 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €64,795 | - | €97,898 | - | - | - |
| Remuneration, social security and pensions62 | €35 | €47 | €260 | €735 | €381 | ▼ 48.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,978 | €4,081 | €3,950 | €1,666 | €1,666 | = |
| Other operating charges640/8 | €11,442 | €632 | €628 | €707 | €823 | ▲ 16.5% |
| Gross operating margin9900 | €6,020 | €3,119 | -€4,154 | €3,212 | €4,021 | ▲ 25.2% |
| Operating profit (loss)9901 | -€10,437 | -€1,642 | -€8,992 | €104 | €1,151 | ▲ 1,002% |
| Financial income75/76B | €222 | €6,181 | €2,335 | €1,541 | €2,093 | ▲ 35.8% |
| Recurring financial income75 | €222 | €1,181 | €2,335 | €1,178 | €2,093 | ▲ 77.7% |
| Non-recurring financial income76B | - | €5,000 | - | €364 | - | - |
| Financial charges65/66B | €258 | €395 | €644 | €4,911 | €2,286 | ▼ 53.5% |
| Recurring financial charges65 | €258 | €159 | €139 | €526 | €1,892 | ▲ 260% |
| Non-recurring financial charges66B | - | €235 | €504 | €4,386 | €394 | ▼ 91.0% |
| Profit (loss) for the period before taxes9903 | -€10,472 | €4,144 | -€7,301 | -€3,266 | €958 | ▲ 129% |
| Income taxes67/77 | - | - | - | - | €18 | - |
| Profit (loss) for the period9904 | -€10,472 | €4,144 | -€7,301 | -€3,266 | €939 | ▲ 129% |
| Profit (loss) for the period to be appropriated9905 | -€10,472 | €4,144 | -€7,301 | -€3,266 | €939 | ▲ 129% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €37,301 | €51,112 | €45,407 | €44,557 | €48,990 | ▲ 9.9% |
| Fixed assets21/28 | €11,597 | €8,379 | €10,951 | €9,285 | €7,619 | ▼ 17.9% |
| Tangible fixed assets22/27 | €11,597 | €8,379 | €10,951 | €9,285 | €7,619 | ▼ 17.9% |
| Land and buildings22 | €9,301 | €6,334 | €9,476 | €8,235 | €6,993 | ▼ 15.1% |
| Plant, machinery and equipment23 | €751 | €1,003 | €1,251 | €898 | €546 | ▼ 39.2% |
| Furniture and vehicles24 | €1,545 | €1,042 | €224 | €152 | €80 | ▼ 47.5% |
| Current assets29/58 | €25,704 | €42,733 | €34,456 | €35,273 | €41,371 | ▲ 17.3% |
| Stocks and contracts in progress3 | - | €14,395 | €13,568 | €18,102 | €13,789 | ▼ 23.8% |
| Stocks30/36 | - | €14,395 | €13,568 | €18,102 | €13,789 | ▼ 23.8% |
| Amounts receivable within one year40/41 | €1,445 | €281 | €38 | €11 | €6 | ▼ 50.7% |
| Trade receivables40 | - | €220 | - | - | - | - |
| Other amounts receivable41 | €1,445 | €61 | €38 | €11 | €6 | ▼ 50.7% |
| Cash at bank and in hand54/58 | €24,258 | €28,057 | €20,850 | €15,858 | €26,273 | ▲ 65.7% |
| Deferred charges and accrued income490/1 | - | - | - | €1,302 | €1,304 | ▲ 0.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €37,301 | €51,112 | €45,407 | €44,557 | €48,990 | ▲ 9.9% |
| Equity10/15 | -€63,902 | -€59,757 | -€67,058 | -€70,324 | -€69,384 | ▲ 1.3% |
| Contributions10/11 | €8,060 | €8,060 | €8,060 | €8,060 | €8,060 | = |
| Outside capital11 | - | €8,060 | €8,060 | €8,060 | €8,060 | = |
| Other1109/19 | - | €8,060 | €8,060 | €8,060 | €8,060 | = |
| Profit (loss) carried forward14 | -€71,962 | -€67,817 | -€75,118 | -€78,384 | -€77,444 | ▲ 1.2% |
| Amounts payable17/49 | €101,202 | €110,869 | €112,465 | €114,881 | €118,374 | ▲ 3.0% |
| Amounts payable within one year42/48 | €101,202 | €110,869 | €112,465 | €114,881 | €118,374 | ▲ 3.0% |
| Trade debts44 | €1,091 | €256 | €498 | €2,806 | €260 | ▼ 90.7% |
| Suppliers440/4 | €1,091 | €256 | €498 | €2,806 | €260 | ▼ 90.7% |
| Taxes, remuneration and social security45 | €11,622 | - | €448 | €2,390 | €6,380 | ▲ 167% |
| Taxes450/3 | - | - | €448 | €2,390 | €6,380 | ▲ 167% |
| Remuneration and social security454/9 | €11,622 | - | - | - | - | - |
| Other amounts payable47/48 | €88,489 | €110,613 | €111,520 | €109,685 | €111,735 | ▲ 1.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€10,472 | €4,144 | -€7,301 | -€3,266 | €939 | ▲ 129% |
| + Depreciation and write-downs630 | €4,978 | €4,081 | €3,950 | €1,666 | €1,666 | = |
| Operating cash flow (approximation) | -€5,494 | €8,226 | -€3,351 | -€1,599 | €2,606 | ▲ 263% |
| Investment in fixed assets (approximation) | - | -€863 | -€6,522 | €0 | €0 | - |
| Change in cash | - | €3,799 | -€7,207 | -€4,992 | €10,415 | ▲ 309% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €939
Net result €939 after 2 loss-making years.
15-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 137 days late
2024
05-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 36 days late
2023
31-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 153 days late
2022
31-12
Financial
Back to profitnet €4,144
Net result €4,144 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
08-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 130 days late
2020
31-12
Financial
Back to profitnet €1,258
Net result €1,258 after 2 loss-making years.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 153 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 7 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Esneux · 1 establishment unit since 2013
Ground area
669 m²
Building footprint
97 m²
Volume, LiDAR
1,106 m³
Parcel 62101D0461/00C002, Wallonia · tallest building 12.7 m, ±4 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Habit & Vous
since 20132.224.052.325
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62101D0461/00C002 | Wallonia | 669 m² | 1 · 97 m² | 12.7 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 2,215 companies in this sector we hold annual accounts for 888. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded25-11-2013
Fiscal year end31-12
Activities, NACEBEL 2025
47711Retail sale of women's outerwear
47712Retail trade
47713Retail trade
47714Retail trade
47715Retail trade
47784Retail sale of souvenirs and religious articles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0542446665
Also
9925:BE0542446665
Registered
30-01-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.