UNIC EXPERT CONSTRUCT

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of UNIC EXPERT CONSTRUCT is 3.7% (moderate). The 2023 annual accounts show equity of €16k and a net result of €16k. Its solvency ranks better than 89% of 9100 sector peers (fiscal year 2023). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

1 signal · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 89% of 9100 peers (2023). A comfortable equity buffer.

View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 29-08-2024, 29 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.

How we compute the deadline

There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2023, that is 31-07-2024.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2023	31-07-2024	29-08-2024	29 d late	2024-00438354

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

3.7% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Turnover€104k

EBIT margin19.2%

Net result€16k

Working capital€16k

CSV export

Annual accounts & ratios

Source: NBB · 2023

Annual accounts filed on 29-08-2024 with the NBB · fiscal year 2023 · micro

Sector comparison

Fiscal year 2023 · NACE 43, Specialised construction · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	75.0%	38.7%	better than 89% of 9100 sector peers
Net result	€16k	€12k	better than 57% of 9085 sector peers
Equity	€16k	€30k	better than 32% of 9106 sector peers
Gross operating margin	€20k	€33k	better than 35% of 9074 sector peers
Staff costs	€205	€26k	higher than 8% of 3340 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2023
Deposit	micro
Revenue	€104k
EBITDA	€20k
Net profit	€16k
Cash flow	€16k
Staff costs	€205
Income taxes	€4k
Dividends	-
Total assets	€21k
Equity	€16k
Debt	€5k
of which ≤ 1y	€5k
of which > 1y	-
Working capital	€16k
Employees (FTE)	-

Ratios (computed)

	2023
Current ratio	3.96
Quick ratio	3.96
Working capital ratio	74.1%
Solvency	75.0%
Debt / equity	0.33
Long-term debt ratio	-
Interest coverage	205.31
Gross margin	18.1%
Net margin	15.2%
ROA	73.6%
ROE	98.1%
EBITDA margin	19.2%
Days sales outstanding	75d
Days payable outstanding	6d
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2023

Assets

Fixed assets €189 · 0.9% Current assets €21k · 99.1%

Equity & liabilities

Equity €16k · 75.0% Debt €5k · 25.0%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€21k
Fixed assets	21/28	€189
Tangible fixed assets	22/27	€189
Current assets	29/58	€21k
Amounts receivable within one year	40/41	€21k
Cash & bank	54/58	€12
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€21k
Equity	10/15	€16k
Contributions / capital	10/11	€300
Accumulated profits (losses)	14	€16k
Amounts payable	17/49	€5k
Amounts payable within one year	42/48	€5k
Trade debts payable within one year	44	€1k
Income statement
Turnover	70	€104k
Gross operating margin	9900	€20k
Operating result	9901	€20k
Financial income	75	€0
Financial charges	65	€97
Result before taxes	9903	€20k
Income taxes	67/77	€4k
Net result for the period	9904	€16k
Result to be appropriated	9905	€16k

Ratios computed by Checked.

Health barometer

FY 2023 · computed

100 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Valkendal 191853 Grimbergen

Establishment units

1 location

UNIC EXPERT CONSTRUCT

Valkendal 19, 1853 GrimbergenReparatie en onderhoud van verwarmingsinstallaties

since 20232.342.408.953

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area253 m²

Buildings1

Building footprint72 m²

Volume (LiDAR)699 m³

Tallest building12.2 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23084A0372/00Y002	Flanders	253 m²	1 · 72 m²	12.2 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.