Uno is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €168k and a net result of €4k. Equity is growing by ~24.3% per year across the filed fiscal years. Its solvency ranks better than 47% of 8018 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 17-10-2025, 14 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
14 d early
2024
9 d early
2023
on the day
2022
31 d late
2021
23 d early
2020
152 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close21-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€168k▲ 2.5%
2024 · €164k
2020: €-7k
2021: €-42k
2022: €138k
2023: €148k
2024: €164k
2020 → 2025
Net result
€4k▼ 73.7%
2024 · €15k
2020: €-13k
2021: €-36k
2022: €181k
2023: €10k
2024: €15k
2020 → 2025
Total assets
€350k▼ 71.0%
2024 · €1.21M
2020: €545k
2021: €509k
2022: €983k
2023: €1.19M
2024: €1.21M
2020 → 2025
Solvency
47.9%▲ 34.4pp
2024 · 13.6%
2020: -1.2%
2021: -8.3%
2022: 14.1%
2023: 12.5%
2024: 13.6%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-42k-€138k€148k▲ 7.3%€164k▲ 10.3%€168k▲ 2.5%
Operating result€-30k-€246k€26k▼ 89.4%€40k▲ 52.4%€5k▼ 87.2%
Net result€-36k-€181k€10k▼ 94.4%€15k▲ 50.8%€4k▼ 73.7%
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 87% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €350k
Fixed assets
€109k▼ 89.4%
Current assets
€241k▲ 34.2%
Equity and liabilities €350k
Equity
€168k▲ 2.5%
Debt
€182k▼ 82.5%
The debt ratio falls from 86.4% to 52.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
47.9%▲
2024 · 13.6%
ROE
2.4%▼
2024 · 9.3%
ROA
1.2%▼
2024 · 1.3%
Debt
€182k▼
2024 · €1.04M
Debt ≤ 1 year
€82k▼
2024 · €205k
Debt > 1 year
€100k▼
2024 · €837k
Income taxes
€490▲
2024 · €133
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€1.21M€350k▼
Fixed assets21/28€1.03M€109k▼
Tangible fixed assets22/27€1.03M€9k▼
Land and buildings22€1.01M-
Furniture and vehicles24€12k€9k▼
Financial fixed assets28-€100k
Current assets29/58€180k€241k▲
Amounts receivable after more than one year29-€52k
Trade receivables290-€52k
Amounts receivable within one year40/41€180k€184k▲
Trade receivables40€71k€50k▼
Other amounts receivable41€109k€134k▲
Current investments50/53-€2k
Cash at bank and in hand54/58€42€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.21M€350k▼
Equity10/15€164k€168k▲
Contributions10/11€6k€6k=
Reserves13€158k€162k▲
Distributable reserves133€158k€162k▲
Amounts payable17/49€1.04M€182k▼
Amounts payable after more than one year17€837k€100k▼
Financial debts170/4€781k€100k▼
Other amounts payable178/9€56k-
Amounts payable within one year42/48€205k€82k▼
Current portion of amounts payable after more than one year42€36k€10k▼
Financial debts43€103k-
Credit institutions430/8€103k-
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€53k€61k▲
Taxes450/3€53k€61k▲
Other amounts payable47/48€10k€10k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€29k▼
Other operating charges640/8€3k€25k▲
Gross operating margin9900€79k€59k▼
Operating profit (loss)9901€40k€5k▼
Financial income75/76B€5k€31k▲
Recurring financial income75€5k€31k▲
Financial charges65/66B€29k€32k▲
Recurring financial charges65€29k€32k▲
Profit (loss) for the period before taxes9903€15k€5k▼
Income taxes67/77€133€490▲
Profit (loss) for the period9904€15k€4k▼
Profit (loss) for the period to be appropriated9905€15k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€4k▼
Transfer to equity691/2€15k€4k▼
To other reserves6921€15k€4k▼
The notes to these accounts (11 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
2025
17-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 2.94
Current ratio from 0.88 to 2.94; short-term debt falls from €205k to €82k.
2024
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Equity above €150kEq €164k ▲10.3%
3 profitable years in a row build equity to €164k.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
01-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
31-03
Financial
Back to profitnet €181k
Net result €181k after 2 loss-making years.
31-03
Financial
Equity above €100kEq €138k
Equity rises from €-42k to €138k.
2021
08-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
01-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 152 days late
31-03
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Schilde · 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.
Renier Sniederspad 92970 SchildeGround area
3,390 m²
Building footprint
469 m²
Volume, LiDAR
2,030 m³
2 parcels, Flanders · tallest building 21.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Uno
since 20182.276.426.484
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039A0503/00A002 | Flanders | 2,033 m² | 1 · 252 m² | 21.5 m · 1 fl. |
| 11922B0349/00H000 | Flanders | 1,357 m² | 1 · 217 m² | 13.0 m · 1 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,400 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-05-2018
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.