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 11 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 15.4 to 13.5.
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Board fully replaced NBB
No director from three years ago is still active according to annual account 2025.
Financials
Financial year 2025
SA ESPERANZA from Verviers, company number BE0824383006, closed financial year 2025 with a result of € 169,758 after tax. For that financial year SA ESPERANZA recorded a gross margin of € 929,425 and equity of € 427,490. Compared with financial year 2024, the result moved from € 40,892 to € 169,758. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on October 29, 2025.
€ 427,490
▲ 66% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 169,758
▲ € 128,866 vs 2024
Profit after tax over the fiscal year.
€ 65,451
▼ 69% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -474,989.
People and assets in 2025
13.5
▼ 1.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 521,357
▼ 15% vs 2024
€ 38,600 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.
€ 420,352
▼ 13% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.3 million
▲ 2% vs 2024
€ 497,498 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 2 million
▼ 14% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 91,293
▼ 57% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 806,901 | € 897,916 | € 1,090,695 | € 929,425 | ▼ 15% |
| Profit after taxes | € -363,088 | € -12,669 | € 40,892 | € 169,758 | ▲ € 128,866 |
| Equity | € 229,508 | € 216,839 | € 257,732 | € 427,490 | ▲ 66% |
| Total debts | € 1,988,322 | € 3,777,283 | € 4,081,968 | € 4,368,061 | ▲ 7% |
| Cash | € 337,799 | € 201,287 | € 208,980 | € 65,451 | ▼ 69% |
| Land & buildings | € 1,882 | € 1,600 | € 1,600 | € 1,600 | |
| Retained profit | € -672,971 | € -685,640 | € -644,747 | € -474,989 | ▲ € 169,758 |
| Bank debt | € 187,388 | € 1,122,238 | € 1,291,478 | € 1,315,013 | ▲ 2% |
| Balance sheet total | € 2,256,014 | € 4,018,816 | € 4,358,589 | € 4,810,626 | ▲ 10% |
| Employees (FTE) | 15.4 | 15.4 | 14.7 | 13.5 | ▼ 1.2 |
Key figures of SA ESPERANZA, 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 October 2026.
What happened to SA ESPERANZA?
What happened at SA ESPERANZA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Paolino MUNIS stepped down as director. NBB
- Christiane FORZEE stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 169,758 (▲ € 128,866 vs 2024). Source: NBB ↗
- Pamela MUNIS became a director. NBB
- Lydia MUNIS became a director. NBB
- Paolino MUNIS became a director. NBB
- Christiane FORZEE became a director. NBB
- New establishment in Verviers. KBO
In short
From € 363,088 loss in 2022 to € 169,758 profit in 2025.
Paid € 228,301 in corporate taxes since 2022.
Best year ever: 2025, with € 169,758 profit.
On average € 68,800 of value added per employee in 2025.
A new publication or filing at SA ESPERANZA? We notify you, reason included.
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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
The stake of VANILLIER comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
SA ESPERANZABehind SA ESPERANZA are Pamela MUNIS and Lydia MUNIS. The shares are held by VANILLIER (100%).
Directors
According to the 2025 annual accounts
Pamela MUNIS
Director
since 2024
Lydia MUNIS
Director
since 2024
Paolino MUNIS
Managing director
since 2020 · until 2026
Christiane FORZEE
Managing director
since 2020 · until 2026
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Avenue Jean Lambert 10
4801 Verviers
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 5 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
- 0824.383.006
- VAT number
- BE 0824.383.006
- Registered office
- Avenue Jean Lambert 10, 4801 Verviers
- Names & denominations
- SA ESPERANZA
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 29 March 2010
- Peppol
- Active · Active since 11 Aug 2025
- Activities · NACE
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen
Activiteiten van holdings
Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)
Holdings