Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
Financials
Financial year 2025
Uni Van Hypotheken from Kortrijk, company number BE0423820219, closed financial year 2025 with a result of € -11,635 after tax. For that financial year Uni Van Hypotheken recorded a gross margin of € 5,641 and equity of € 339,302. Compared with financial year 2024, the result moved from € -15,479 to € -11,635. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on May 22, 2026.
€ 339,302
▼ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -11,635
▲ 25 % less loss than in 2024
Profit after tax over the fiscal year.
€ 775
▼ 54% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -35,407.
Debts at end 2025
€ 16,810
▼ 12% vs 2024
€ 2,340 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 2,916
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 37,299 | € 7,659 | € 8,247 | € 5,641 | ▼ 32% |
| Profit after taxes | € 15,085 | € -19,093 | € -15,479 | € -11,635 | ▲ € 3,844 |
| Equity | € 398,172 | € 371,363 | € 353,569 | € 339,302 | ▼ 4% |
| Total debts | € 27,753 | € 25,347 | € 23,099 | € 23,756 | ▲ 3% |
| Cash | € 14,776 | € 4,750 | € 1,692 | € 775 | ▼ 54% |
| Land & buildings | € 378,803 | € 359,890 | € 340,976 | € 330,283 | ▼ 3% |
| Retained profit | € 23,463 | € -3,346 | € -21,140 | € -35,407 | ▼ € 14,267 |
| Dividend | € 0 | € 7,716 | € 0 | € 2,632 | |
| Bank debt | € 23,352 | € 21,249 | € 19,069 | € 16,810 | ▼ 12% |
| Balance sheet total | € 425,925 | € 396,710 | € 376,668 | € 363,058 | ▼ 4% |
Key figures of Uni Van Hypotheken, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Uni Van Hypotheken?
What happened at Uni Van Hypotheken in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 11,635. Source: NBB ↗
- Francis Caesemaeker became a director. NBB
- New establishment in Kortrijk. KBO
- Start of the company according to the CBE. KBO
In short
From € 15,085 profit in 2022 to € 11,635 loss in 2025.
Paid € 7,861 in corporate taxes since 2022.
Best year ever: 2022, with € 15,085 profit.
Paid out € 10,348 in dividends to the owners in total.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind Uni Van Hypotheken is Francis Caesemaeker. Francis Caesemaeker is also behind TRANSINVEST and C & V Verzekeringen.
Directors
According to the 2025 annual accounts
since 2020
Establishments
Establishment units
Physical locations of this company
Pater Beckstraat(Kor) 35
8500 Kortrijk
President Rooseveltplein(Kor) 9
8500 Kortrijk
Active since 18 January 1983
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0423.820.219
- VAT number
- BE 0423.820.219
- Registered office
- Pater Beckstraat(Kor) 35, 8500 Kortrijk
- Names & denominations
- Uni Van Hypotheken · UNI-HYP
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 29 December 1982
- Peppol
- Active · Active since 4 Jan 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten
Handelsbemiddeling in de groothandel in andere specifieke goederen
Handelsbemiddeling gespecialiseerd in overige goederen, n.e.g.