UNO
ActiveSummary
UNO has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.3m and a net result of €188,424. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 85% of 10519 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability72▼-4
Solvency100▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €400,000 at 30 days acceptable
Liquidity ample (current ratio 4.81 against 4.01 in 2024; short-term debt: 19% and cash: 0.2% of total assets), and 24.9% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
75.1%
Return on assets
2.7%
Age of the figures
19 mo
neutral · Latest accounts filed on time
The financial year that closed on 28-02-2025 was due by 30-09-2025 and was filed on 30-09-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
11 d early
2023
3 d early
2022
on the day
2021
31 d late
2020
13 d late
2019
49 d early
← 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 3 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€5.3m▲ 3.7%
2024 · €5.1m
Total assets
€7.1m▼ 3.5%
2024 · €7.4m
Net result
€188,424▼ 55.5%
2024 · €423,654
Working capital
€5.1m▲ 2.5%
2024 · €5.0m
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€518,556▲ 143%€408,309▼ 21.3%€537,962▲ 31.8%€317,430▼ 41.0%€161,803▼ 49.0%
Net result€401,546above the sector's middle half▲ 102%€332,637above the sector's middle half▼ 17.2%€496,380above the sector's middle half▲ 49.2%€423,654above the sector's middle half▼ 14.7%€188,424above the sector's middle half▼ 55.5%
Equity€4.0mabove the sector's middle half▲ 11.2%€4.3mabove the sector's middle half▲ 8.3%€4.7mabove the sector's middle half▲ 9.2%€5.1mabove the sector's middle half▲ 9.0%€5.3mabove the sector's middle half▲ 3.7%
Total assets€6.0mabove the sector's middle half▲ 27.1%€6.2mabove the sector's middle half▲ 3.5%€7.1mabove the sector's middle half▲ 13.8%€7.4mabove the sector's middle half▲ 4.2%€7.1mabove the sector's middle half▼ 3.5%
Debt€2.0m▲ 77.6%€1.9m▼ 6.2%€2.3m▲ 24.5%€2.2m▼ 5.5%€1.8m▼ 20.2%
Working capital€3.9mabove the sector's middle half▲ 56.1%€4.2mabove the sector's middle half▲ 6.7%€4.6mabove the sector's middle half▲ 10.6%€5.0mabove the sector's middle half▲ 8.2%€5.1mabove the sector's middle half▲ 2.5%
Solvency66.5%above the sector's middle half▼ 9.5pp69.7%above the sector's middle half▲ 3.1pp66.8%above the sector's middle half▼ 2.9pp69.9%above the sector's middle half▲ 3.1pp75.1%above the sector's middle half▲ 5.2pp
Current ratio4.61above the sector's middle half▲ 1.384.85above the sector's middle half▲ 0.243.79above the sector's middle half▼ 1.064.01above the sector's middle half▲ 0.224.81above the sector's middle half▲ 0.80
Return on assets (ROA)6.7%within the sector's middle half▲ 2.5pp5.4%within the sector's middle half▼ 1.3pp7.0%within the sector's middle half▲ 1.7pp5.8%within the sector's middle half▼ 1.3pp2.7%within the sector's middle half▼ 3.1pp
Staff (FTE)21.3above the sector's middle half▲ 13.9%23.4above the sector's middle half▲ 9.9%24above the sector's middle half▲ 2.6%23.3above the sector's middle half▼ 2.9%21.8above the sector's middle half▼ 6.4%
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.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Why a figure moved sharply
- 2025 Net result -56% on 2024. This fiscal year ran 9 months, the previous one 12.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 49% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.1m
Fixed assets
€598,537 ▼ 9.7%
Current assets
€6.5m ▼ 2.9%
Equity and liabilities €7.1m
Equity
€5.3m ▲ 3.7%
Debt
€1.8m ▼ 20.2%
Debt's share of the balance-sheet total falls from 30.1% to 24.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€270,319▼
2024 · €469,591
Cash flow
€296,939▼
2024 · €575,815
Quick ratio
4.56▲
2024 · 3.83
Debt to equity
0.33▼
2024 · 0.43
ROE
3.5%▼
2024 · 8.2%
Interest coverage
56.07▼
2024 · 58.44
Debt ≤ 1 year
€1.4m▼
2024 · €1.7m
Debt > 1 year
€413,986▼
2024 · €535,222
Income taxes
€102,953▼
2024 · €103,716
Staff costs
€653,478▼
2024 · €931,551
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,733 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 14,733 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €898,655 | €1.2m | €931,551 | €653,478 | ▼ 29.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €148,933 | €147,275 | €188,011 | €152,161 | €108,515 | ▼ 28.7% |
| Other operating charges640/8 | - | €23,151 | €2,466 | €2,174 | €3,243 | ▲ 49.2% |
| Gross operating margin9900 | €1.4m | €1.5m | €1.9m | €1.4m | €927,040 | ▼ 33.9% |
| Operating profit (loss)9901 | €518,556 | €408,309 | €537,962 | €317,430 | €161,803 | ▼ 49.0% |
| Financial income75/76B | - | €45,856 | €109,738 | €217,975 | €134,394 | ▼ 38.3% |
| Recurring financial income75 | €37,814 | €45,856 | €109,738 | €217,975 | €134,394 | ▼ 38.3% |
| Financial charges65/66B | - | €11,980 | €12,064 | €8,035 | €4,821 | ▼ 40.0% |
| Recurring financial charges65 | €9,080 | €11,980 | €12,064 | €8,035 | €4,821 | ▼ 40.0% |
| Profit (loss) for the period before taxes9903 | €547,290 | €442,185 | €635,636 | €527,370 | €291,377 | ▼ 44.7% |
| Income taxes67/77 | €145,744 | €109,548 | €139,256 | €103,716 | €102,953 | ▼ 0.7% |
| Profit (loss) for the period9904 | €401,546 | €332,637 | €496,380 | €423,654 | €188,424 | ▼ 55.5% |
| Profit (loss) for the period to be appropriated9905 | €401,546 | €332,637 | €496,380 | €423,654 | €188,424 | ▼ 55.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6.0m | €6.2m | €7.1m | €7.4m | €7.1m | ▼ 3.5% |
| Fixed assets21/28 | €967,027 | €913,408 | €753,762 | €662,913 | €598,537 | ▼ 9.7% |
| Tangible fixed assets22/27 | €967,027 | €913,408 | €753,762 | €662,913 | €598,537 | ▼ 9.7% |
| Land and buildings22 | - | €311,515 | €249,944 | €213,937 | €53,539 | ▼ 75.0% |
| Plant, machinery and equipment23 | - | €581,010 | €492,535 | €445,580 | €418,348 | ▼ 6.1% |
| Furniture and vehicles24 | - | €20,883 | €11,283 | €3,396 | €752 | ▼ 77.9% |
| Other tangible fixed assets26 | - | - | - | - | €125,898 | - |
| Current assets29/58 | €5.0m | €5.3m | €6.3m | €6.7m | €6.5m | ▼ 2.9% |
| Stocks and contracts in progress3 | €96,157 | €106,980 | €252,619 | €298,720 | €331,481 | ▲ 11.0% |
| Stocks30/36 | - | €106,980 | €252,619 | €298,720 | €331,481 | ▲ 11.0% |
| Amounts receivable within one year40/41 | €4.9m | €5.2m | €6.0m | €6.4m | €6.2m | ▼ 3.5% |
| Trade receivables40 | - | €104,493 | €122,717 | €176,317 | €221,404 | ▲ 25.6% |
| Other amounts receivable41 | - | €5.1m | €5.9m | €6.2m | €5.9m | ▼ 4.4% |
| Cash at bank and in hand54/58 | €10,758 | €8,620 | €9,831 | €8,222 | €10,988 | ▲ 33.6% |
| Deferred charges and accrued income490/1 | - | €3,524 | €7,469 | €7,429 | €1,868 | ▼ 74.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6.0m | €6.2m | €7.1m | €7.4m | €7.1m | ▼ 3.5% |
| Equity10/15 | €4.0m | €4.3m | €4.7m | €5.1m | €5.3m | ▲ 3.7% |
| Contributions10/11 | - | €65,000 | €65,000 | €65,000 | €65,000 | = |
| Reserves13 | €3.9m | €4.3m | €4.7m | €5.1m | €5.3m | ▲ 3.7% |
| Non-distributable reserves130/1 | - | €17,000 | €17,000 | €0 | - | - |
| Reserves not available under the articles1311 | - | €17,000 | €17,000 | €0 | - | - |
| Tax-exempt reserves132 | - | €184 | €184 | €184 | €184 | = |
| Distributable reserves133 | - | €4.2m | €4.6m | €5.1m | €5.3m | ▲ 3.7% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | - | - |
| Amounts payable17/49 | €2.0m | €1.9m | €2.3m | €2.2m | €1.8m | ▼ 20.2% |
| Amounts payable after more than one year17 | €916,400 | €792,232 | €680,007 | €535,222 | €413,986 | ▼ 22.7% |
| Financial debts170/4 | - | €792,232 | €680,007 | €535,222 | €413,986 | ▼ 22.7% |
| Amounts payable within one year42/48 | €1.1m | €1.1m | €1.7m | €1.7m | €1.4m | ▼ 19.1% |
| Current portion of amounts payable after more than one year42 | - | €131,431 | €144,305 | €144,785 | €145,152 | ▲ 0.3% |
| Financial debts43 | - | €41,069 | €6,264 | €0 | - | - |
| Credit institutions430/8 | - | €41,069 | €6,264 | €0 | - | - |
| Trade debts44 | €763,457 | €684,919 | €1.1m | €1.2m | €1.0m | ▼ 14.3% |
| Suppliers440/4 | - | €684,919 | €1.1m | €1.2m | €1.0m | ▼ 14.3% |
| Advances received on contracts in progress46 | - | - | €3,100 | €0 | - | - |
| Taxes, remuneration and social security45 | - | €231,518 | €328,457 | €219,630 | €172,292 | ▼ 21.6% |
| Taxes450/3 | - | €30,436 | €70,993 | €4,454 | €4,502 | ▲ 1.1% |
| Remuneration and social security454/9 | - | €201,082 | €257,464 | €215,176 | €167,790 | ▼ 22.0% |
| Other amounts payable47/48 | - | €2,060 | €102,060 | €102,060 | €2,060 | ▼ 98.0% |
| Accrued charges and deferred income492/3 | - | - | €463 | €10,798 | €3,159 | ▼ 70.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €401,546 | €332,637 | €496,380 | €423,654 | €188,424 | ▼ 55.5% |
| + Depreciation and write-downs630 | €148,933 | €147,275 | €188,011 | €152,161 | €108,515 | ▼ 28.7% |
| Operating cash flow (approximation) | €550,479 | €479,912 | €684,391 | €575,815 | €296,939 | ▼ 48.4% |
| Investment in fixed assets (approximation) | - | -€93,655 | -€28,365 | -€61,312 | -€44,139 | ▲ 28.0% |
| Change in cash | - | -€2,138 | €1,211 | -€1,608 | €2,765 | ▲ 272% |
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
28-02
Financial
Weakest financial yearnet €188,424 ▼55.5%
Net result drops to €188,424, the lowest in the series.
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-05
Financial
Equity above €5mEq €5.1m ▲9%
6 profitable years in a row build equity to €5.1m.
2023
28-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-05
Financial
Highest result since 2019net €496,380 ▲49.2%
Operating result €537,962, net result €496,380, both a record.
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2020
13-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 13 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
15-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
19-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
15-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 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
9 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, Oostende · 1 establishment unit since 1991
Ground area
4,714 m²
Building footprint
579 m²
Volume, LiDAR
4,067 m³
2 parcels, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
9
companies at this address
See who is registered here
1 establishment unit
CARREFOUR MARKET OOSTENDE VUURTOREN
since 19912.030.188.818
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35385B0055/02C007 | Flanders | 3,071 m² | 1 · 550 m² | 10.2 m · 2 fl. |
| 35382D0759/00S003 | Flanders | 1,643 m² | 1 · 30 m² | 4.9 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerChain of control
- DISTRIHOLD
- UNO
Highest known parent: DISTRIHOLD. The sources do not say who stands above it.
Owners 1
- DISTRIHOLDparent100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 240 EUR awarded · 240 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 240 EUR | 240 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyOostende2.030.188.818
Dual-learning approval
6 live approvals · 4 endedMedewerker slagerij (vwo)
Medewerker slagerij duaal (so)
Onthaal, organisatie en sales duaal (so)
Slagerij duaal (so)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)
Show 4 ended approvals
Aanvuller (so)
Kassier (so)
Verkoper (so)
Winkelbediende (so)
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,853. 738 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-04-1987
Fiscal year end28-02
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Reachable via Peppol
Peppol ID
0208:0431073344
Registered
27-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.