Summary
Unoya is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €71,307 and a net result of €31,429. Equity is growing by ~84% per year across the filed fiscal years. Its solvency ranks better than 78% of 2464 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 13-07-2026, 18 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
18 d early
2024
19 d early
2023
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 13 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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 13 July (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€71,307▲ 78.8%
2024 · €39,878
Net result
€31,429▼ 11.7%
2024 · €35,580
Total assets
€89,329▲ 15.8%
2024 · €77,110
Solvency
79.8%▲ 28.1pp
2024 · 51.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, 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
Line202320242025
Operating result€1,851-€45,104▲ 2,336%€40,027▼ 11.3%
Net result€1,298below the sector's middle half-€35,580within the sector's middle half▲ 2,642%€31,429within the sector's middle half▼ 11.7%
Equity€4,298below the sector's middle half-€39,878within the sector's middle half▲ 828%€71,307within the sector's middle half▲ 78.8%
Total assets€64,768below the sector's middle half-€77,110below the sector's middle half▲ 19.1%€89,329below the sector's middle half▲ 15.8%
Debt€60,470-€37,232▼ 38.4%€18,022▼ 51.6%
Working capital-€32,998below the sector's middle half-€11,774within the sector's middle half€52,395within the sector's middle half▲ 345%
Solvency6.6%below the sector's middle half-51.7%within the sector's middle half▲ 45.1pp79.8%above the sector's middle half▲ 28.1pp
Current ratio0.45below the sector's middle half-1.32within the sector's middle half▲ 0.863.91within the sector's middle half▲ 2.59
Return on assets (ROA)2.0%within the sector's middle half-46.1%above the sector's middle half▲ 44.1pp35.2%above the sector's middle half▼ 11.0pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €88,975
Fixed assets
€18,559 ▼ 32.7%
Current assets
€70,417 ▲ 43.7%
Equity and liabilities €89,329
Equity
€71,307 ▲ 78.8%
Debt
€18,022 ▼ 51.6%
Debt's share of the balance-sheet total falls from 48.3% to 20.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
44.1%▼
2024 · 89.2%
Debt ≤ 1 year
€18,022▼
2024 · €37,232
Income taxes
€8,473▼
2024 · €9,412
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,540 | €9,192 | €9,192 | = |
| Other operating charges640/8 | €384 | €387 | €544 | ▲ 40.4% |
| Gross operating margin9900 | €9,776 | €54,683 | €49,763 | ▼ 9.0% |
| Operating profit (loss)9901 | €1,851 | €45,104 | €40,027 | ▼ 11.3% |
| Financial income75/76B | - | €0 | €29 | ▲ 96,067% |
| Recurring financial income75 | - | €0 | €29 | ▲ 96,067% |
| Financial charges65/66B | €104 | €112 | €154 | ▲ 37.8% |
| Recurring financial charges65 | €104 | €112 | €154 | ▲ 37.8% |
| Profit (loss) for the period before taxes9903 | €1,747 | €44,993 | €39,902 | ▼ 11.3% |
| Income taxes67/77 | €450 | €9,412 | €8,473 | ▼ 10.0% |
| Profit (loss) for the period9904 | €1,298 | €35,580 | €31,429 | ▼ 11.7% |
| Profit (loss) for the period to be appropriated9905 | €1,298 | €35,580 | €31,429 | ▼ 11.7% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €64,768 | €77,110 | €89,329 | ▲ 15.8% |
| Formation expenses20 | €695 | €524 | €353 | ▼ 32.6% |
| Fixed assets21/28 | €36,600 | €27,579 | €18,559 | ▼ 32.7% |
| Intangible fixed assets21 | €2,231 | €1,706 | €1,181 | ▼ 30.8% |
| Tangible fixed assets22/27 | €34,369 | €25,874 | €17,378 | ▼ 32.8% |
| Furniture and vehicles24 | €34,369 | €25,874 | €17,378 | ▼ 32.8% |
| Current assets29/58 | €27,473 | €49,006 | €70,417 | ▲ 43.7% |
| Amounts receivable within one year40/41 | €14,630 | €11,495 | €8,025 | ▼ 30.2% |
| Trade receivables40 | €14,630 | €11,495 | €8,025 | ▼ 30.2% |
| Cash at bank and in hand54/58 | €12,843 | €37,511 | €62,305 | ▲ 66.1% |
| Deferred charges and accrued income490/1 | - | - | €87 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €64,768 | €77,110 | €89,329 | ▲ 15.8% |
| Equity10/15 | €4,298 | €39,878 | €71,307 | ▲ 78.8% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €1,298 | €36,878 | €68,307 | ▲ 85.2% |
| Amounts payable17/49 | €60,470 | €37,232 | €18,022 | ▼ 51.6% |
| Amounts payable within one year42/48 | €60,470 | €37,232 | €18,022 | ▼ 51.6% |
| Trade debts44 | €2,750 | €4,725 | €2,386 | ▼ 49.5% |
| Suppliers440/4 | €2,750 | €4,725 | €2,386 | ▼ 49.5% |
| Taxes, remuneration and social security45 | €2,338 | €16,461 | €15,105 | ▼ 8.2% |
| Taxes450/3 | €2,338 | €14,461 | €14,105 | ▼ 2.5% |
| Remuneration and social security454/9 | - | €2,000 | €1,000 | ▼ 50.0% |
| Other amounts payable47/48 | €55,382 | €16,046 | €531 | ▼ 96.7% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,298 | €35,580 | €31,429 | ▼ 11.7% |
| + Depreciation and write-downs630 | €7,540 | €9,192 | €9,192 | = |
| Operating cash flow (approximation) | €8,838 | €44,772 | €40,620 | ▼ 9.3% |
| Investment in fixed assets (approximation) | - | -€171 | -€171 | = |
| Change in cash | - | €24,668 | €24,794 | ▲ 0.5% |
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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 3.91
Current ratio from 1.32 to 3.91; short-term debt falls from €37,232 to €18,022.
12-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €35,580 ▲2,642%
Operating result €45,104, net result €35,580, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.32
Current ratio from 0.45 to 1.32; short-term debt falls from €60,470 to €37,232.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Gent · 1 establishment unit since 2023
Ground area
463 m²
Building footprint
337 m²
Volume, LiDAR
3,863 m³
Parcel 44816K0957/00H004, Flanders · tallest building 17.8 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Unoya
since 20232.343.940.662
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44816K0957/00H004 | Flanders | 463 m² | 1 · 337 m² | 17.8 m · 5 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,565 EUR awarded · 2,565 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,565 EUR | 2,565 EUR |
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Of 592 companies in sector 66300 we hold annual accounts for 366. 217 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
Founded27-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
66300Activities auxiliary to financial services and insurance activities
64310Financial service activities, except insurance and pension funding
71209Other technical testing and analysis
73300Public relations and communication consultancy
93299Other amusement and recreation activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0797731463
Also
9925:BE0797731463
Registered
18-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.