Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 58 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
L'UNIVERSELLE IMMO from Herstal, company number BE0464431842, closed financial year 2025 with a result of € 355,673 after tax. For that financial year L'UNIVERSELLE IMMO recorded a gross margin of € 948,128 and equity of € 1.5 million. Compared with financial year 2024, the result moved from € 329,689 to € 355,673. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 12, 2026.
€ 1.5 million
▲ 11% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 355,673
▲ 8% vs 2024
Profit after tax over the fiscal year.
€ 158,912
▲ 176% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 200,000 paid out
56 % of the profit went to the shareholders, the rest stayed in the company.
Debts at end 2025
€ 3.1 million
▲ 12% vs 2024
€ 471,720 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 37,384
▲ € 37,360 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 349,102
▲ € 296,389 vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 807,167 | € 878,602 | € 899,404 | € 948,128 | ▲ 5% |
| Profit after taxes | € 221,224 | € 304,291 | € 329,689 | € 355,673 | ▲ 8% |
| Equity | € 830,141 | € 1,034,432 | € 1,364,121 | € 1,519,794 | ▲ 11% |
| Total debts | € 4,123,769 | € 3,915,866 | € 3,016,825 | € 3,681,304 | ▲ 22% |
| Cash | € 80,343 | € 36,448 | € 57,503 | € 158,912 | ▲ 176% |
| Land & buildings | € 4,793,147 | € 4,459,585 | € 4,143,930 | € 4,671,334 | ▲ 13% |
| Retained profit | € 768,141 | € 972,432 | € 1,302,121 | € 1,457,794 | ▲ 12% |
| Dividend | € 270,000 | € 100,000 | € 0 | € 200,000 | |
| Bank debt | € 3,713,422 | € 3,263,801 | € 2,743,509 | € 3,065,778 | ▲ 12% |
| Balance sheet total | € 5,121,738 | € 5,101,442 | € 4,519,403 | € 5,327,357 | ▲ 18% |
Key figures of L'UNIVERSELLE IMMO, 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 L'UNIVERSELLE IMMO?
What happened at L'UNIVERSELLE IMMO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Pascal Giuseppe Giaccone stepped down as director. NBB
- STEPHANE REESER stepped down as director. NBB
- Franca Giuseppina Giaccone stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 355,673 (▲ 8% vs 2024). filed late Source: NBB ↗
- New establishment in Herstal. KBO
- Start of the company according to the CBE. KBO
In short
From € 221,224 profit in 2022 to € 355,673 profit in 2025.
Paid € 405,209 in corporate taxes since 2022.
Best year ever: 2025, with € 355,673 profit.
Paid out € 570,000 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
Directors
According to the 2025 annual accounts
Pascal Giuseppe Giaccone
Managing director
Also active at: Auto Global Lease & Logistics, CARCARE, L'UNIVERSELLE, AUTO CITY LIEGE
· until 2028
· until 2028
Franca Giuseppina Giaccone
Managing director
Also active at: Auto Global Lease & Logistics, L'UNIVERSELLE, AUTO CITY LIEGE
· until 2028
Establishments
Establishment units
Physical locations of this company
Boulevard Zénobe Gramme 25
4040 Herstal
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0464.431.842
- VAT number
- BE 0464.431.842
- Registered office
- Boulevard Zénobe Gramme 25, 4040 Herstal
- Names & denominations
- L'UNIVERSELLE IMMO
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 23 October 1998
- Peppol
- Active · Active since 19 Jan 2026
- Activities · NACE
Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen
Handelsbemiddeling in de groothandel in andere specifieke goederen
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)
Handelsbemiddeling in auto's en lichte bestelwagens (= 3,5 ton)
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)