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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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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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 25 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
UBALUCY from Frameries, company number BE0690994148, closed financial year 2025 with a result of € -3,862 after tax. For that financial year UBALUCY recorded a gross margin of € 42,809 and equity of € -144,540. Compared with financial year 2024, the result moved from € -11,562 to € -3,862. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 30, 2026.
€ -144,540
▼ € 3,862 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -3,862
▲ 67 % less loss than in 2024
Profit after tax over the fiscal year.
€ 33,024
▼ 29% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -163,140.
Debts at end 2025
€ 573,652
▼ 6% vs 2024
€ 38,495 is repaid this year. At this pace the long-term loan is gone in ≈ 15 years.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -10,877 | € 24,245 | € 35,944 | € 42,809 | ▲ 19% |
| Profit after taxes | € -59,080 | € -19,549 | € -11,562 | € -3,862 | ▲ € 7,700 |
| Equity | € -109,567 | € -129,116 | € -140,678 | € -144,540 | ▼ € 3,862 |
| Total debts | € 788,753 | € 747,837 | € 713,459 | € 677,987 | ▼ 5% |
| Cash | € 68,947 | € 76,986 | € 46,635 | € 33,024 | ▼ 29% |
| Land & buildings | € 552,504 | € 532,029 | € 511,752 | € 491,476 | ▼ 4% |
| Retained profit | € -128,167 | € -147,716 | € -159,278 | € -163,140 | ▼ € 3,862 |
| Bank debt | € 690,820 | € 646,830 | € 610,860 | € 573,652 | ▼ 6% |
| Balance sheet total | € 679,186 | € 618,721 | € 572,782 | € 533,447 | ▼ 7% |
Key figures of UBALUCY, 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 UBALUCY?
What happened at UBALUCY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 3,862. filed late Source: NBB ↗
- New establishment in Frameries. KBO
- Chantal LIBERT became a director. NBB
- Philippe GARNIER became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 59,080 loss in 2022 to € 3,862 loss in 2025.
Management
Behind UBALUCY are Chantal LIBERT and Philippe GARNIER.
Directors
According to the 2025 annual accounts
Chantal LIBERT
Director
since 2018
Philippe GARNIER
Director
since 2018
Establishments
Establishment units
Physical locations of this company
Rue du Peuple 80
7080 Frameries
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0690.994.148
- VAT number
- BE 0690.994.148
- Registered office
- Rue du Peuple 80, 7080 Frameries
- Names & denominations
- UBALUCY · GARNIER IMMOBILIER
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 27 February 2018
- Peppol
- Active · Active since 29 Dec 2025
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