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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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 16 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ETS UMBERTO from Ans, company number BE0464852902, closed financial year 2025 with a result of € -51,023 after tax. For that financial year ETS UMBERTO recorded a gross margin of € 546,234 and equity of € 1 million. Compared with financial year 2024, the result moved from € -21,227 to € -51,023. 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 September 29, 2026.
€ 1 million
▼ 5% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -51,023
▼ 140 % more loss than in 2024
Profit after tax over the fiscal year.
€ 147,014
▲ 67% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 944,585.
People and assets in 2025
11.5
▼ 2.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 524,256
▲ 2% vs 2024
€ 45,600 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 1,602
▼ 76% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 450,000
▲ 50% vs 2024
Loans from banks and other lenders, long and short.
€ 784,951
▼ 42% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 124,465
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 489,405 | € 523,485 | € 554,262 | € 546,234 | ▼ 1% |
| Profit after taxes | € 25,569 | € 3,014 | € -21,227 | € -51,023 | ▼ € 29,797 |
| Equity | € 1,096,900 | € 1,099,915 | € 1,078,688 | € 1,027,665 | ▼ 5% |
| Total debts | € 1,367,670 | € 1,945,207 | € 2,097,216 | € 1,634,657 | ▼ 22% |
| Cash | € 293,268 | € 146,044 | € 88,257 | € 147,014 | ▲ 67% |
| Land & buildings | € 18,051 | € 10,807 | € 15,144 | € 23,953 | ▲ 58% |
| Retained profit | € 1,013,820 | € 1,016,835 | € 995,608 | € 944,585 | ▼ 5% |
| Bank debt | € 250,000 | € 280,000 | € 300,000 | € 450,000 | ▲ 50% |
| Balance sheet total | € 2,464,571 | € 3,045,122 | € 3,175,904 | € 2,662,322 | ▼ 16% |
| Employees (FTE) | - | - | 13.7 | 11.5 | ▼ 2.2 |
Key figures of ETS UMBERTO, 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 ETS UMBERTO?
What happened at ETS UMBERTO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 51,023. filed late Source: NBB ↗
- New establishment in Ans. KBO
- New establishment in Liège. KBO
- Start of the company according to the CBE. KBO
In short
From € 25,569 profit in 2022 to € 51,023 loss in 2025.
Paid € 10,095 in corporate taxes since 2022.
Best year ever: 2022, with € 25,569 profit.
On average € 47,500 of value added per employee in 2025.
Establishments
Establishment units
Physical locations of this company
Rue de l'Economie 7
4431 Ans
Rue Sainte-Walburge 324
4000 Liège
Active since 1 February 1999
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0464.852.902
- VAT number
- BE 0464.852.902
- Registered office
- Rue de l'Economie 7, 4431 Ans
- Names & denominations
- ETS UMBERTO
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 30 December 1998
- Peppol
- Active · Active since 21 Oct 2026
- Activities · NACE
Detailhandel in motorvoertuigen
Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)
Handelsbemiddeling in de groothandel in andere specifieke goederen
Handelsbemiddeling in motorvoertuigen
Detailhandel in 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)
Detailhandel in motorrijwielen, delen en toebehoren van motorrijwielen
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