FICONAD-UNIBRAIN
ActiveThe file of FICONAD-UNIBRAIN contains 2 historical bankruptcy publications, as published in the Belgian State Gazette.
Summary
The computed 12-month bankruptcy probability is 0.2% (very low). The 2025 annual accounts show equity of €104k and a net result of €9k. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 71% of 7750 sector peers (fiscal year 2025).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+1
Solvency98▼-2
Growth78=
Track record85
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity ample (current ratio 3.87 against 2.88 in 2024; short-term debt: 18.5% and cash: 13.2% of total assets), and 27.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
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
72.6%
Return on assets
6.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-09-2026, 35 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
35 d late
2024
61 d late
2023
92 d late
2022
79 d late
2021
78 d late
2020
61 d late
2019
404 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€104k▲ 9.3%
2024 · €95k
2018: €46k
2019: €48k
2020: €53k
2021: €73k
2022: €78k
2023: €88k
2024: €95k
2018 → 2025
Total assets
€143k▲ 13.7%
2024 · €126k
2018: €212k
2019: €129k
2020: €126k
2021: €127k
2022: €118k
2023: €129k
2024: €126k
2018 → 2025
Net result
€9k▲ 22.8%
2024 · €7k
2018: €7k
2019: €2k
2020: €5k
2021: €20k
2022: €5k
2023: €10k
2024: €7k
2018 → 2025
Working capital
€76k▲ 31.4%
2024 · €58k
2018: €42k
2019: €44k
2020: €45k
2021: €67k
2022: €63k
2023: €37k
2024: €58k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€73k-€78k▲ 6.8%€88k▲ 13.0%€95k▲ 8.2%€104k▲ 9.3%
Operating result€31k-€11k▼ 66.1%€16k▲ 49.1%€19k▲ 18.6%€18k▼ 5.0%
Net result€20k-€5k▼ 75.4%€10k▲ 103%€7k▼ 28.5%€9k▲ 22.8%
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 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €143k
Fixed assets
€41k ▲ 9.1%
Current assets
€103k ▲ 15.6%
Equity and liabilities €143k
Equity
€104k ▲ 9.3%
Debt
€39k ▲ 27.1%
Debt's share of the balance-sheet total rises from 24.5% to 27.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€38k▲
2024 · €33k
Cash flow
€29k▲
2024 · €22k
Current ratio
3.87▲
2024 · 2.88
Debt to equity
0.38▲
2024 · 0.32
ROE
8.5%▲
2024 · 7.6%
ROA
6.2%▲
2024 · 5.7%
Interest coverage
11.63▼
2024 · 26.68
Debt ≤ 1 year
€27k▼
2024 · €31k
Debt > 1 year
€13k
Income taxes
€7k▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€126k€143k▲
Fixed assets21/28€37k€41k▲
Tangible fixed assets22/27€37k€41k▲
Plant, machinery and equipment23€941€364▼
Furniture and vehicles24€36k€40k▲
Current assets29/58€89k€103k▲
Amounts receivable after more than one year29€65k€63k▼
Other amounts receivable291€65k€63k▼
Amounts receivable within one year40/41€2k€13k▲
Trade receivables40€634€12k▲
Other amounts receivable41€1k€770▼
Cash at bank and in hand54/58€15k€19k▲
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€126k€143k▲
Equity10/15€95k€104k▲
Contributions10/11€6k€6k=
Reserves13€89k€98k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€87k€96k▲
Profit (loss) carried forward14€237€334▲
Amounts payable17/49€31k€39k▲
Amounts payable after more than one year17-€13k
Financial debts170/4-€13k
Amounts payable within one year42/48€31k€27k▼
Current portion of amounts payable after more than one year42-€2k
Trade debts44€17k€10k▼
Suppliers440/4€17k€10k▼
Taxes, remuneration and social security45€14k€14k▲
Taxes450/3€14k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€20k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-23k
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€35k€20k▼
Operating profit (loss)9901€19k€18k▼
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€19k€16k▼
Income taxes67/77€12k€7k▼
Profit (loss) for the period9904€7k€9k▲
Profit (loss) for the period to be appropriated9905€7k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€87k€9k▼
Profit (loss) brought forward from the previous period14P€80k€237▼
Transfer to equity691/2€87k€9k▼
To other reserves6921€87k€9k▼
The notes to these accounts (8 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
04-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 35 days late
2025
31-12
Financial
Equity above €100kEq €104k ▲9.3%
8 profitable years in a row build equity to €104k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
18-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 79 days late
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
24-01
Bankruptcy
Bankruptcy reversal
Ondernemingsrechtbank Brussel · FICONAD-UNIBRAIN BV MACHELEN-CARGO (BRUCARGO) 721, 1931. ZAVENTEM · event 14-01-2022
2021
31-12
Financial
Highest result since 2018net €20k ▲334%
Operating result €31k, net result €20k, both a record.
21-12
Bankruptcy
Opening
Ondernemingsrechtbank Brussel · FICONAD-UNIBRAIN BV MACHELEN-CARGO (BRUCARGO) 721, 1931. ZAVENTEM · event 14-12-2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 404 days late
2020
23-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 176 days late
Show earlier events
2019
31-12
Financial
Weakest financial yearnet €2k ▼77.1%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
2018
17-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 78 days late
2017
29-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
SignalFinancial 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, Machelen (Brab.) · 1 establishment unit since 1998
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.
Pegasuslaan 51831 Machelen (Brab.)Ground area
4,855 m²
Building footprint
1,318 m²
Volume, LiDAR
24,291 m³
2 parcels, Brussels, Flanders · tallest building 27.5 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Tervurenlaan 147, 1150 Sint-Pieters-Woluwe
since 19982.086.543.739
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23015B0091/00S003 | Flanders | 4,582 m² | 1 · 1,166 m² | 22.4 m · 6 fl. |
| 21019A0211/00P003 | Brussels | 273 m² | 1 · 152 m² | 27.5 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | WIM BOLLEN STEENWEG OP SINT-JORIS-WINGE 21,
3200 AARSCHOT |
14-12-2021 → 14-01-2022 |
Similar companies · same sector, comparable size
LIGHTHOUSE INTERNATIONAL REAL ESTATE SERVICES
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GLT Consult
BE 0770.583.737
Brasschaat · Eq €104,120
Josée
BE 0761.854.529
Vilvoorde · Eq €104,116
RAID1
BE 0775.659.114
Sint-Pieters-Leeuw · Eq €104,106
IMMO DP - VL ESTATE
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Vorselaar · Eq €104,297
Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 7,193 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-1998
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.