CUNI
ActiveCUNI has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €151k and a net result of €51k. Equity is growing by ~17.6% per year across the filed fiscal years. Its solvency ranks better than 78% of 2149 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
98
/ 100
Excellent▼ -2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.95 against 4.29 in 2024), and 33.7% of the assets are financed with debt.
Credit advice for your own amount and term
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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
66.3%
Return on assets
22.2%
Age of the figures
8 mo
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
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 28-04-2026, 94 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
94 d early
2024
31 d early
2023
54 d early
2022
40 d early
2021
37 d early
2020
46 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€151k=
2024 · €151k
2020: €59k
2021: €82k
2022: €113k
2023: €140k
2024: €151k
2020 → 2025
Total assets
€228k▲ 16.3%
2024 · €196k
2020: €92k
2021: €113k
2022: €155k
2023: €160k
2024: €196k
2020 → 2025
Net result
€51k▲ 1.2%
2024 · €50k
2020: €20k
2021: €22k
2022: €31k
2023: €27k
2024: €50k
2020 → 2025
Working capital
€150k▲ 1.3%
2024 · €148k
2020: €30k
2021: €62k
2022: €99k
2023: €132k
2024: €148k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€82k-€113k▲ 38.6%€140k▲ 23.9%€151k▲ 8.0%€151k=
Operating result€32k-€46k▲ 42.0%€39k▼ 14.1%€69k▲ 75.2%€64k▼ 6.3%
Net result€22k-€31k▲ 41.7%€27k▼ 14.1%€50k▲ 85.1%€51k▲ 1.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €228k
Fixed assets
€1k▼ 59.8%
Current assets
€227k▲ 17.6%
Equity and liabilities €228k
Equity
€151k=
Debt
€77k▲ 71.3%
The debt ratio rises from 22.9% to 33.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€68k▼
2024 · €73k
Cash flow
€54k▼
2024 · €54k
Solvency
66.3%▼
2024 · 77.1%
Current ratio
2.95▼
2024 · 4.29
Quick ratio
2.95▼
2024 · 4.29
Debt / equity
0.51▲
2024 · 0.30
ROE
33.5%▲
2024 · 33.1%
ROA
22.2%▼
2024 · 25.5%
Interest coverage
344.64▼
2024 · 359.90
Debt
€77k▲
2024 · €45k
Debt ≤ 1 year
€77k▲
2024 · €45k
Income taxes
€15k▼
2024 · €19k
Staff costs
€134k▼
2024 · €155k
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€196k€228k▲
Fixed assets21/28€3k€1k▼
Tangible fixed assets22/27€3k€1k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€3k€1k▼
Current assets29/58€193k€227k▲
Amounts receivable within one year40/41€65k€18k▼
Trade receivables40€60k€14k▼
Other amounts receivable41€5k€5k▼
Cash at bank and in hand54/58€125k€205k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€196k€228k▲
Equity10/15€151k€151k=
Contributions10/11€1k€1k=
Reserves13€150k€150k=
Distributable reserves133€150k€150k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€45k€77k▲
Amounts payable within one year42/48€45k€77k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€24k€6k▼
Suppliers440/4€24k€6k▼
Taxes, remuneration and social security45€18k€15k▼
Taxes450/3€3k€3k▼
Remuneration and social security454/9€14k€12k▼
Other amounts payable47/48€4k€56k▲
Income statement
Code20242025
Remuneration, social security and pensions62€155k€134k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€230k€203k▼
Operating profit (loss)9901€69k€64k▼
Financial income75/76B€789€1k▲
Recurring financial income75€789€1k▲
Financial charges65/66B€203€196▼
Recurring financial charges65€203€196▼
Profit (loss) for the period before taxes9903€69k€66k▼
Income taxes67/77€19k€15k▼
Profit (loss) for the period9904€50k€51k▲
Profit (loss) for the period to be appropriated9905€50k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€50k€51k▲
Transfer from equity791/2€39k€0▼
Transfer to equity691/2€50k€0▼
To other reserves6921€50k€0▼
Profit to be distributed694/7€39k€51k▲
Return on contributions (dividend)694€39k€51k▲
Social balance
Average headcount (FTE)90872.82.5▼
The notes to these accounts (9 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2020net €51k ▲1.2%
Net result €51k, the highest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €150kEq €151k ▲8%
5 profitable years in a row build equity to €151k.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity doublescurrent ratio 7.48
Current ratio from 3.37 to 7.48; short-term debt falls from €42k to €20k.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €100kEq €113k ▲38.6%
3 profitable years in a row build equity to €113k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
15-06
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
6 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, Gent · 1 establishment unit since 2018
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.
Ruiterlaan 149032 GentGround area
276 m²
Building footprint
73 m²
Volume, LiDAR
397 m³
Parcel 44074B0573/00K006, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CUNI
since 20182.281.330.528
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44074B0573/00K006 | Flanders | 276 m² | 1 · 72 m² | 6.5 m · 2 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
RENO - VAN HULLE
BE 0462.873.805
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NOUGIMMO
BE 0440.765.822
Waterloo · Eq €151k
MIGECO
BE 0675.428.222
Putte · Eq €151k
KM CONCEPT
BE 0897.117.564
Attert · Eq €151k
MKS Bouw
BE 0440.110.972
Heist-op-den-Berg · Eq €151k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,868. 12,503 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-09-2018
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43310Plastering work
43211General electrical installation work
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
43350Other building finishing work
43410Roofing work
43990Other specialised construction activities
43992Specialised construction activities
43994Specialised construction activities
43999Specialised construction activities
47521Retail sale of hardware, building materials, paint and glass (general range)
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.