UNO
ActiveSummary
UNO has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.33M and a net result of €188k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 85% of 10407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability72▼-4
Solvency100▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €400k at 30 days acceptable
Liquidity ample (current ratio 4.81 against 4.01 in 2024; short-term debt: 19% and cash: 0.2% of total assets), and 24.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
75.1%
Return on assets
2.7%
Age of the figures
19 mo
neutral · Latest accounts filed on time
The financial year that closed on 28-02-2025 was due by 30-09-2025 and was filed on 30-09-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
11 d early
2023
3 d early
2022
on the day
2021
31 d late
2020
13 d late
2019
49 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, abbreviated schema
Equity
€5.33M▲ 3.7%
2024 · €5.14M
2019: €3.54Mlowest in 7 years
2020: €3.59M▲ +1.4% vs 2019
2021: €3.99M▲ +11.2% vs 2020
2022: €4.32M▲ +8.3% vs 2021
2023: €4.72M▲ +9.2% vs 2022
2024: €5.14M▲ +9.0% vs 2023
2025: €5.33M▲ +3.7% vs 2024highest in 7 years
2019 → 2025
Total assets
€7.10M▼ 3.5%
2024 · €7.36M
2019: €4.31Mlowest in 7 years
2020: €4.72M▲ +9.5% vs 2019
2021: €6.00M▲ +27.1% vs 2020
2022: €6.21M▲ +3.5% vs 2021
2023: €7.06M▲ +13.8% vs 2022
2024: €7.36M▲ +4.2% vs 2023highest in 7 years
2025: €7.10M▼ -3.5% vs 2024
2019 → 2025
Net result
€188k▼ 55.5%
2024 · €424k
2019: €201k
2020: €199k▼ -0.7% vs 2019
2021: €402k▲ +102% vs 2020
2022: €333k▼ -17.2% vs 2021
2023: €496k▲ +49.2% vs 2022highest in 7 years
2024: €424k▼ -14.7% vs 2023
2025: €188k▼ -55.5% vs 2024lowest in 7 years
2019 → 2025
Working capital
€5.15M▲ 2.5%
2024 · €5.03M
2019: €3.11M
2020: €2.52M▼ -18.9% vs 2019lowest in 7 years
2021: €3.94M▲ +56.1% vs 2020
2022: €4.20M▲ +6.7% vs 2021
2023: €4.65M▲ +10.6% vs 2022
2024: €5.03M▲ +8.2% vs 2023
2025: €5.15M▲ +2.5% vs 2024highest in 7 years
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.99M-€4.32M▲ 8.3%€4.72M▲ 9.2%€5.14M▲ 9.0%€5.33M▲ 3.7%
2021: €3.99Mlowest in 5 years
2022: €4.32M▲ +8.3% vs 2021
2023: €4.72M▲ +9.2% vs 2022
2024: €5.14M▲ +9.0% vs 2023
2025: €5.33M▲ +3.7% vs 2024highest in 5 years
Operating result€519k-€408k▼ 21.3%€538k▲ 31.8%€317k▼ 41.0%€162k▼ 49.0%
2021: €519k
2022: €408k▼ -21.3% vs 2021
2023: €538k▲ +31.8% vs 2022highest in 5 years
2024: €317k▼ -41.0% vs 2023
2025: €162k▼ -49.0% vs 2024lowest in 5 years
Net result€402k-€333k▼ 17.2%€496k▲ 49.2%€424k▼ 14.7%€188k▼ 55.5%
2021: €402k
2022: €333k▼ -17.2% vs 2021
2023: €496k▲ +49.2% vs 2022highest in 5 years
2024: €424k▼ -14.7% vs 2023
2025: €188k▼ -55.5% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 49% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.10M
Fixed assets
€599k ▼ 9.7%
Current assets
€6.50M ▼ 2.9%
Equity and liabilities €7.10M
Equity
€5.33M ▲ 3.7%
Debt
€1.77M ▼ 20.2%
Debt's share of the balance-sheet total falls from 30.1% to 24.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€270k▼
2024 · €470k
Cash flow
€297k▼
2024 · €576k
Current ratio
4.81▲
2024 · 4.01
Quick ratio
4.56▲
2024 · 3.83
Debt to equity
0.33▼
2024 · 0.43
ROE
3.5%▼
2024 · 8.2%
ROA
2.7%▼
2024 · 5.8%
Interest coverage
56.07▼
2024 · 58.44
Debt ≤ 1 year
€1.35M▼
2024 · €1.67M
Debt > 1 year
€414k▼
2024 · €535k
Income taxes
€103k▼
2024 · €104k
Staff costs
€653k▼
2024 · €932k
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 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€7.36M€7.10M▼
Fixed assets21/28€663k€599k▼
Tangible fixed assets22/27€663k€599k▼
Land and buildings22€214k€54k▼
Plant, machinery and equipment23€446k€418k▼
Furniture and vehicles24€3k€752▼
Other tangible fixed assets26-€126k
Current assets29/58€6.70M€6.50M▼
Stocks and contracts in progress3€299k€331k▲
Stocks30/36€299k€331k▲
Amounts receivable within one year40/41€6.38M€6.16M▼
Trade receivables40€176k€221k▲
Other amounts receivable41€6.21M€5.94M▼
Cash at bank and in hand54/58€8k€11k▲
Deferred charges and accrued income490/1€7k€2k▼
Equity and liabilities
Total equity and liabilities10/49€7.36M€7.10M▼
Equity10/15€5.14M€5.33M▲
Contributions10/11€65k€65k=
Reserves13€5.08M€5.27M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€184€184=
Distributable reserves133€5.08M€5.27M▲
Profit (loss) carried forward14€0-
Amounts payable17/49€2.22M€1.77M▼
Amounts payable after more than one year17€535k€414k▼
Financial debts170/4€535k€414k▼
Amounts payable within one year42/48€1.67M€1.35M▼
Current portion of amounts payable after more than one year42€145k€145k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€1.20M€1.03M▼
Suppliers440/4€1.20M€1.03M▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€220k€172k▼
Taxes450/3€4k€5k▲
Remuneration and social security454/9€215k€168k▼
Other amounts payable47/48€102k€2k▼
Accrued charges and deferred income492/3€11k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€932k€653k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€152k€109k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€1.40M€927k▼
Operating profit (loss)9901€317k€162k▼
Financial income75/76B€218k€134k▼
Recurring financial income75€218k€134k▼
Financial charges65/66B€8k€5k▼
Recurring financial charges65€8k€5k▼
Profit (loss) for the period before taxes9903€527k€291k▼
Income taxes67/77€104k€103k▼
Profit (loss) for the period9904€424k€188k▼
Profit (loss) for the period to be appropriated9905€424k€188k▼
Appropriation of the result
Profit (loss) to be appropriated9906€424k€188k▼
Transfer to equity691/2€424k€188k▼
To other reserves6921€424k€188k▼
Profit to be distributed694/7€0-
Directors or managers695€0-
Social balance
Average headcount (FTE)908723.321.8▼
The notes to these accounts (23 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €899k | €1.17M | €932k | €653k | ▼ 29.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €149k | €147k | €188k | €152k | €109k | ▼ 28.7% |
| Other operating charges640/8 | - | €23k | €2k | €2k | €3k | ▲ 49.2% |
| Gross operating margin9900 | €1.43M | €1.48M | €1.90M | €1.40M | €927k | ▼ 33.9% |
| Operating profit (loss)9901 | €519k | €408k | €538k | €317k | €162k | ▼ 49.0% |
| Financial income75/76B | - | €46k | €110k | €218k | €134k | ▼ 38.3% |
| Recurring financial income75 | €38k | €46k | €110k | €218k | €134k | ▼ 38.3% |
| Financial charges65/66B | - | €12k | €12k | €8k | €5k | ▼ 40.0% |
| Recurring financial charges65 | €9k | €12k | €12k | €8k | €5k | ▼ 40.0% |
| Profit (loss) for the period before taxes9903 | €547k | €442k | €636k | €527k | €291k | ▼ 44.7% |
| Income taxes67/77 | €146k | €110k | €139k | €104k | €103k | ▼ 0.7% |
| Profit (loss) for the period9904 | €402k | €333k | €496k | €424k | €188k | ▼ 55.5% |
| Profit (loss) for the period to be appropriated9905 | €402k | €333k | €496k | €424k | €188k | ▼ 55.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6.00M | €6.21M | €7.06M | €7.36M | €7.10M | ▼ 3.5% |
| Fixed assets21/28 | €967k | €913k | €754k | €663k | €599k | ▼ 9.7% |
| Tangible fixed assets22/27 | €967k | €913k | €754k | €663k | €599k | ▼ 9.7% |
| Land and buildings22 | - | €312k | €250k | €214k | €54k | ▼ 75.0% |
| Plant, machinery and equipment23 | - | €581k | €493k | €446k | €418k | ▼ 6.1% |
| Furniture and vehicles24 | - | €21k | €11k | €3k | €752 | ▼ 77.9% |
| Other tangible fixed assets26 | - | - | - | - | €126k | - |
| Current assets29/58 | €5.03M | €5.29M | €6.31M | €6.70M | €6.50M | ▼ 2.9% |
| Stocks and contracts in progress3 | €96k | €107k | €253k | €299k | €331k | ▲ 11.0% |
| Stocks30/36 | - | €107k | €253k | €299k | €331k | ▲ 11.0% |
| Amounts receivable within one year40/41 | €4.92M | €5.17M | €6.04M | €6.38M | €6.16M | ▼ 3.5% |
| Trade receivables40 | - | €104k | €123k | €176k | €221k | ▲ 25.6% |
| Other amounts receivable41 | - | €5.07M | €5.92M | €6.21M | €5.94M | ▼ 4.4% |
| Cash at bank and in hand54/58 | €11k | €9k | €10k | €8k | €11k | ▲ 33.6% |
| Deferred charges and accrued income490/1 | - | €4k | €7k | €7k | €2k | ▼ 74.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6.00M | €6.21M | €7.06M | €7.36M | €7.10M | ▼ 3.5% |
| Equity10/15 | €3.99M | €4.32M | €4.72M | €5.14M | €5.33M | ▲ 3.7% |
| Contributions10/11 | - | €65k | €65k | €65k | €65k | = |
| Reserves13 | €3.92M | €4.26M | €4.65M | €5.08M | €5.27M | ▲ 3.7% |
| Non-distributable reserves130/1 | - | €17k | €17k | €0 | - | - |
| Reserves not available under the articles1311 | - | €17k | €17k | €0 | - | - |
| Tax-exempt reserves132 | - | €184 | €184 | €184 | €184 | = |
| Distributable reserves133 | - | €4.24M | €4.64M | €5.08M | €5.27M | ▲ 3.7% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | - | - |
| Amounts payable17/49 | €2.01M | €1.88M | €2.35M | €2.22M | €1.77M | ▼ 20.2% |
| Amounts payable after more than one year17 | €916k | €792k | €680k | €535k | €414k | ▼ 22.7% |
| Financial debts170/4 | - | €792k | €680k | €535k | €414k | ▼ 22.7% |
| Amounts payable within one year42/48 | €1.09M | €1.09M | €1.66M | €1.67M | €1.35M | ▼ 19.1% |
| Current portion of amounts payable after more than one year42 | - | €131k | €144k | €145k | €145k | ▲ 0.3% |
| Financial debts43 | - | €41k | €6k | €0 | - | - |
| Credit institutions430/8 | - | €41k | €6k | €0 | - | - |
| Trade debts44 | €763k | €685k | €1.08M | €1.20M | €1.03M | ▼ 14.3% |
| Suppliers440/4 | - | €685k | €1.08M | €1.20M | €1.03M | ▼ 14.3% |
| Advances received on contracts in progress46 | - | - | €3k | €0 | - | - |
| Taxes, remuneration and social security45 | - | €232k | €328k | €220k | €172k | ▼ 21.6% |
| Taxes450/3 | - | €30k | €71k | €4k | €5k | ▲ 1.1% |
| Remuneration and social security454/9 | - | €201k | €257k | €215k | €168k | ▼ 22.0% |
| Other amounts payable47/48 | - | €2k | €102k | €102k | €2k | ▼ 98.0% |
| Accrued charges and deferred income492/3 | - | - | €463 | €11k | €3k | ▼ 70.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €402k | €333k | €496k | €424k | €188k | ▼ 55.5% |
| + Depreciation and write-downs630 | €149k | €147k | €188k | €152k | €109k | ▼ 28.7% |
| Operating cash flow (approximation) | €550k | €480k | €684k | €576k | €297k | ▼ 48.4% |
| Investment in fixed assets (approximation) | - | €-94k | €-28k | €-61k | €-44k | ▲ 28.0% |
| Change in cash | - | €-2k | €1k | €-2k | €3k | ▲ 272% |
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
28-02
Financial
Weakest financial yearnet €188k ▼55.5%
Net result drops to €188k, the lowest in the series.
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-05
Financial
Equity above €5MEq €5.14M ▲9%
6 profitable years in a row build equity to €5.14M.
2023
28-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-05
Financial
Highest result since 2019net €496k ▲49.2%
Operating result €538k, net result €496k, both a record.
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2020
13-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 13 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
15-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
19-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
15-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
9 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, Oostende · 1 establishment unit since 1991
Ground area
4,714 m²
Building footprint
579 m²
Volume, LiDAR
4,067 m³
2 parcels, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
9
companies at this address
See who is registered here
1 establishment unit
CARREFOUR MARKET OOSTENDE VUURTOREN
since 19912.030.188.818
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35385B0055/02C007 | Flanders | 3,071 m² | 1 · 550 m² | 10.2 m · 2 fl. |
| 35382D0759/00S003 | Flanders | 1,643 m² | 1 · 30 m² | 4.9 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 240 EUR awarded · 240 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 240 EUR | 240 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyOostende2.030.188.818
Dual-learning approval
6 live approvals · 4 endedMedewerker slagerij (vwo)
Medewerker slagerij duaal (so)
Onthaal, organisatie en sales duaal (so)
Slagerij duaal (so)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)
Show 4 ended approvals
Aanvuller (so)
Kassier (so)
Verkoper (so)
Winkelbediende (so)
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,851. 740 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
Founded28-04-1987
Fiscal year end28-02
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Scores and ratios are computed by Checked and are not a credit decision.