Equity
-€4,601
Debts exceed assets in financial year 2025.
Unity
Lifetime
13 annual accounts with figures on one time axispeak €78,648 (2013)
€40,938▲ €52,844
lowest -€67,171 (2022)
€27,483▲ €46,245
peak €52,220 (2013)
-€4,601▲ €27,483
€130,299▼ 64.6%
Board2 names since 2020
2 directorsSERGEYS Filip and 1 other
Documentsfilings and deeds
05-08-20265 days late
2025abbreviated format
Turnover from €45,381 to €335,538Gross margin from -€11,907 to €40,938Back to profit: €27,483Equity from -€32,084 to -€4,601Debts from €367,669 to €130,299Cash from €8,611 to €42,363
Key points
from the 2025 annual accountsTurnover
€335,538 ▲ 639%
Turnover rose in 2025: different schema filed.
Debts
€130,299 104% of the balance sheet
Suppliers 7%Taxes and wages 0%Other 92%
Payment terms
12 days to suppliers
Unity pays its suppliers 22 days earlier than in 2024. Customers pay 37 days earlier.
Filings
13 annual accounts 14 filings since 2013
Nine of the last ten came late. The 2022 accounts came latest: 312 days after the end of the period.
Position in the sector
-3.7%
Lower solvency than 90% of companies in construction of buildings. Sector median 38.6% · 2,818 companies.
Checked score
56
Fair
Financially stronger than 50% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 3.5%
01-2025: 3.4%▼ -0.1 percentage points vs 12-2024
02-2025: 3.4%● unchanged vs 01-2025
03-2025: 3.4%● unchanged vs 02-2025
04-2025: 3.4%● unchanged vs 03-2025
05-2025: 3.3%▼ -0.1 percentage points vs 04-2025
06-2025: 3.2%▼ -0.1 percentage points vs 05-2025
07-2025: 3.4%▲ +0.2 percentage points vs 06-2025
08-2025: 3.9%▲ +0.5 percentage points vs 07-2025highest value
09-2025: 2.4%▼ -1.5 percentage points vs 08-2025
10-2025: 2.4%● unchanged vs 09-2025
11-2025: 2.4%● unchanged vs 10-2025
12-2025: 2.4%● unchanged vs 11-2025
01-2026: 2.5%▲ +0.1 percentage points vs 12-2025
02-2026: 2.5%● unchanged vs 01-2026
03-2026: 2.4%▼ -0.1 percentage points vs 02-2026
04-2026: 2.5%▲ +0.1 percentage points vs 03-2026
05-2026: 2.4%▼ -0.1 percentage points vs 04-2026
06-2026: 2.2%▼ -0.2 percentage points vs 05-2026
07-2026: 2.2%● unchanged vs 06-2026
08-2026: 2.8%▲ +0.6 percentage points vs 07-2026
09-2026: 1.0%▼ -1.8 percentage points vs 08-2026lowest value
10-2026: 1.0%● unchanged vs 09-2026lowest value
11-2026: 1.0%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€4,601
Sector: Construction of residential and non-residential buildings (NACE 41)
lowers risk
Founded in 2013
Liquidity: current ratio 0.67, cash €42,363
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 10% of them on solvency, 39% on liquidity, 60% on profitability and 93% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,632 companies had the same profile as Unity has now. Each dot stands for 10 companies, two years later.
91.8%
were still trading
4.8%
stopped another way
2.9%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Unity itself: 1.0% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,632 companies, not a prediction for Unity. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.67 (0.81 in 2024), below 1. Short-term debt is 103.7% and cash 33.7% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 2818 sector peers (2025).
NBB · sector comparisonPosition among 2818 sector peers
Solvency
better than 10%
← weakest
strongest →
raises risk · 2025 accounts filed 5 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 9 filingsDeviation from the deadline
2025
5 days late
2024
9 days late
2023
1 day late
2022
274 days late
2021
31 days late
2020
30 days late
2019
24 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 53 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 9 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0504875102
Capital contribution of €100,000
50 new shares · Permanent representative: Guy Parmentier · Gazette deed
Environmental permit granted
Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden · Hamme
Registered office moved from Antwerp to Sint-Niklaas
New registered office: Schongaustraat 17, 9100 Sint-Niklaas · Previous registered office: Venneborglaan 196, 2100 Antwerpen · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Unity Sint-Niklaas | €125,699 | €40,938 | -3.7% | - |
| Gregg@work Nazareth-De Pinte | €140,275 | €41,552 | 77.7% | - |
| ALGEMENE BOUWONDERNEMING VAN MUYLDER Buggenhout | €123,893 | €53,712 | 40.1% | - |
| MARCHAL Raphaël Yvoir | €131,342 | €42,011 | 56.8% | - |
| Onsea Bart Begijnendijk | €135,231 | €40,142 | 55.8% | - |
| Alexandra Construct Uccle | €131,837 | €42,974 | 49.0% | - |
| MAXBUD Antwerp | €134,987 | €40,151 | 44.2% | - |
These companies have the same main activity as Unity: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €124,000 and €140,000, founded between 2012 and 2014.
Official details
Source: KBO- Status
- Active since 12-02-2013Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 5 others
- Establishment unit
- 2.216.672.7049100 Sint-Niklaas, since 12-02-2013
- Financial year end
- 31 December
- Peppol
- Reachable since 17-12-2025
Insights on Unity
Unity files the abbreviated format. That format states no turnover. The gross margin fell from €78,648 in 2013 to €40,938 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Unity
- What is the company number of Unity?
- The company number of Unity is 0504.875.102. The VAT number is the same number with BE in front: BE 0504.875.102.
- Where is Unity based?
- The registered office is at Schongaustraat 17, 9100 Sint-Niklaas.Company details
- What does Unity do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of Unity?
- Unity is a private limited company (BV).
- When was Unity founded?
- Unity was founded on 12-02-2013.
- Is Unity still active?
- Yes, Unity is an active enterprise in the KBO register.
- What is the turnover of Unity?
- The turnover of Unity was €335,538 in financial year 2025, according to the filed annual accounts.Financials
- Is Unity profitable?
- In financial year 2025, Unity made a profit of €27,483.
- Where can I find the annual accounts of Unity?
- Unity filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Unity due?
- Unity must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See which support similar companies received that this one did not.Subsidies
See how customers, suppliers and banks see your own company and what to improve first.