UNITERM
ActiveThe computed 12-month bankruptcy probability of UNITERM is 2.6% (moderate). The annual accounts of UNITERM for fiscal year 2025 show a net loss of 58% of total assets and of 99% of the equity at the start of that year. The 2025 annual accounts show equity of €209 and a net result of €-23k. Equity is growing by ~18% per year across the filed fiscal years. Its solvency ranks better than 12% of 7452 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
24
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-59
Solvency26▼-24
Growth22▼-24
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.96 against 1.29 in 2024; short-term debt: 99.5% and cash: 1.3% of total assets), and 99.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
0.5%
Return on assets
-57.6%
Age of the figures
13 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 7452 sector peers (2025).
NBB · sector comparisonPosition among 7452 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 25-03-2026, 6 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
6 d early
2024
4 d early
2023
16 d early
2022
39 d early
2021
49 d early
2020
40 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close23-09-2026 today31-03-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€186k▼ 46.4%
2024 · €346k
2020: €343k
2021: €155k
2022: €271k
2023: €426k
2024: €346k
2020 → 2025
EBIT margin
-11.4%▼ 13.4pp
2024 · 2.0%
2020: 3.4%
2021: 2.2%
2022: 0.7%
2023: 2.0%
2024: 2.0%
2020 → 2025
Net result
€-23k
2024 · €4k
2020: €11k
2021: €2k
2022: €962
2023: €6k
2024: €4k
2020 → 2025
Working capital
€-1k
2024 · €20k
2020: €-6k
2021: €2k
2022: €13k
2023: €15k
2024: €20k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€155k-€271k▲ 75.6%€426k▲ 56.9%€346k▼ 18.7%€186k▼ 46.4%
Equity€12k-€13k▲ 7.9%€20k▲ 48.6%€23k▲ 18.0%€209▼ 99.1%
Operating result€3k-€2k▼ 48.0%€9k▲ 382%€7k▼ 19.5%€-21k
Net result€2k-€962▼ 58.0%€6k▲ 566%€4k▼ 44.9%€-23k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €21k after €7k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40k
Fixed assets
€2k▼ 38.2%
Current assets
€38k▼ 58.2%
Equity and liabilities €40k
Equity
€209▼ 99.1%
Debt
€40k▼ 44.0%
The debt ratio rises from 75.4% to 99.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-19k▼
2024 · €9k
Cash flow
€-21k▼
2024 · €6k
Solvency
0.5%▼
2024 · 24.6%
Current ratio
0.96▼
2024 · 1.29
Quick ratio
0.96▼
2024 · 1.29
ROA
-57.6%▼
2024 · 3.8%
Interest coverage
-9.94▼
2024 · 7.02
Debt
€40k▼
2024 · €71k
Debt ≤ 1 year
€40k▼
2024 · €71k
Staff costs
€25k▲
2024 · €22k
Equity ratios withheld: equity of €209 is too small for a meaningful ratio.
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€94k€40k▼
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€91k€38k▼
Amounts receivable within one year40/41€91k€37k▼
Trade receivables40€91k€22k▼
Other amounts receivable41€320€15k▲
Cash at bank and in hand54/58-€500
Deferred charges and accrued income490/1€284€247▼
Equity and liabilities
Total equity and liabilities10/49€94k€40k▼
Equity10/15€23k€209▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€17k€-6k▼
Amounts payable17/49€71k€40k▼
Amounts payable within one year42/48€71k€40k▼
Current portion of amounts payable after more than one year42-€7k
Financial debts43€340€10k▲
Credit institutions430/8€340€10k▲
Trade debts44€63k€22k▼
Suppliers440/4€63k€22k▼
Taxes, remuneration and social security45€4k€1k▼
Taxes450/3€2k-
Remuneration and social security454/9€2k€1k▼
Other amounts payable47/48€3k-
Income statement
Code20242025
Turnover70€346k€186k▼
Goods, raw materials, services and sundry goods60/61€314k€180k▼
Remuneration, social security and pensions62€22k€25k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€261-
Gross operating margin9900€32k€6k▼
Operating profit (loss)9901€7k€-21k▼
Financial income75/76B€1€246▲
Recurring financial income75€1€246▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€6k€-23k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€4k€-23k▼
Profit (loss) for the period to be appropriated9905€4k€-23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€-6k▼
Profit (loss) brought forward from the previous period14P€13k€17k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-08
Financial
Weakest financial yearnet €-23k ▼749%
Net result drops to €-23k, the lowest in the series.
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Wezembeek-Oppem · 1 establishment unit since 2019
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.
Lange Eikstraat 461970 Wezembeek-OppemGround area
520 m²
Building footprint
325 m²
Volume, LiDAR
2,867 m³
Parcel 22006A0114/00P000, Flanders · tallest building 14.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
UNITERM
since 20192.287.373.628
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22006A0114/00P000 | Flanders | 520 m² | 1 · 325 m² | 14.8 m · 3 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.
Similar companies · same sector, comparable size
GUIMARAES CONSTRUCT
BE 0799.721.646
Sint-Jans-Molenbeek · Eq €206
SYMMETRY
BE 0633.881.736
Kraainem · Eq €214
M2B
BE 1017.464.870
Puurs-Sint-Amands · Eq €203
STIERBOUW
BE 1009.933.316
Pajottegem · Eq €218
SANCAK BOUW GROEP
BE 0823.643.133
Gent · Eq €219
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 430 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-2019
Fiscal year end31-08
Activities, NACEBEL
41001General construction of residential buildings
43350Other building finishing work
43990Other specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.