UNITED.BE
ActiveThe computed 12-month bankruptcy probability of UNITED.BE is 3.3% (moderate). The 2024 annual accounts show equity of €19k and a net result of €-8k. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 45% of 26065 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 2 administrative register entries (see administrative flags).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-80
Solvency48▼-48
Growth32▼-46
Stability84
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.36 against 2.04 in 2023), and 73.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
26.5%
Return on assets
-10.6%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-08-2025, 20 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
20 d late
2023
385 d late
2022
378 d late
2021
743 d late
2020
1109 d late
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
2 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publicationsPublications
Late accounts filingStrikeout withdrawn
Financials · fiscal year 2024, micro schema
Equity
€19k▼ 28.6%
2023 · €27k
2021: €19k
2022: €22k
2023: €27k
2021 → 2024
Total assets
€72k▲ 37.6%
2023 · €52k
2021: €40k
2022: €55k
2023: €52k
2021 → 2024
Net result
€-8k
2023 · €4k
2021: €-513
2022: €3k
2023: €4k
2021 → 2024
Working capital
€19k▼ 28.6%
2023 · €27k
2021: €19k
2022: €22k
2023: €27k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€19k-€22k▲ 17.2%€27k▲ 19.1%€19k▼ 28.6%
Operating result€2k-€7k▲ 189%€7k▲ 4.3%€-3k
Net result€-513-€3k€4k▲ 29.9%€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €3k after €7k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €72k
Equity
€19k▼ 28.6%
Debt
€53k▲ 107%
The debt ratio rises from 48.9% to 73.5%: debt grows while equity shrinks.
Key figures and ratios
Solvency
26.5%▼
2023 · 51.1%
Current ratio
1.36▼
2023 · 2.04
Quick ratio
0.58▲
2023 · 0.30
Debt / equity
2.77▲
2023 · 0.96
ROE
-40.0%▼
2023 · 16.0%
ROA
-10.6%▼
2023 · 8.2%
Debt
€53k▲
2023 · €26k
Debt ≤ 1 year
€53k▲
2023 · €26k
Income taxes
€2k
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 · 2024 against 2023
Balance sheet
Code20232024
Total assets
20/58€52k€72k▲
Current assets
29/58€52k€72k▲
Stocks & contracts in progress
3€44k€41k▼
Amounts receivable within one year
40/41€1k€7k▲
Cash & bank
54/58€7k€6k▼
Total equity & liabilities
10/49€52k€72k▲
Equity
10/15€27k€19k▼
Contributions / capital
10/11€10k€10k=
Reserves
13€644€644=
Accumulated profits (losses)
14€16k€8k▼
Amounts payable
17/49€26k€53k▲
Amounts payable within one year
42/48€26k€53k▲
Trade debts payable within one year
44€6k€7k▲
Income statement
Code20232024
Gross operating margin
9900€9k€-884▼
Operating result
9901€7k€-3k▼
Financial charges
65€3k€3k▲
Result before taxes
9903€4k€-6k▼
Income taxes
67/77-€2k
Net result for the period
9904€4k€-8k▼
Result to be appropriated
9905€4k€-8k▼
Timeline · acts, filings and financial milestones
2025
05-09
KBO administration
Strikeout withdrawn
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 385 days late
2024
31-12
Financial
Weakest financial yearnet €-8k ▼278%
Net result drops to €-8k, the lowest in the series.
16-08
KBO administration
Late accounts filing
12-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 378 days late
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 743 days late
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1109 days late
2023
31-12
Financial
Highest result since 2021net €4k ▲29.9%
Operating result €7k, net result €4k, both a record.
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
CHRIF RJKM
BE 0648.676.018
Mortsel · Eq €19k
ZAKHI
BE 0898.605.030
Brugge · Eq €19k
STATION-MARKET
BE 0550.810.738
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KITU
BE 0737.605.915
Evere · Eq €19k
DANCY
BE 0478.829.513
Etterbeek · Eq €19k
Of 10,403 companies in sector 47110 we hold annual accounts for 5,524. 3,845 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-11-2019
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 05-09-2026. Scores and ratios are computed by Checked and are not a credit decision.