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 19 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 73.2 to 64.3.
Financials
Financial year 2025
L'UNIVERSELLE from Herstal, company number BE0840702958, closed financial year 2025 with a result of € -958,588 after tax. For that financial year L'UNIVERSELLE recorded revenue of € 53.3 million and equity of € 2.4 million. Compared with financial year 2024, the result moved from € 70,962 to € -958,588. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 12, 2026.
€ 2.4 million
▼ 29% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -958,588
▼ still € 70,962 profit in 2024
Profit after tax over the fiscal year.
€ 568,886
▼ 40% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 2.3 million.
People and assets in 2025
64.3
▼ 7.9 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 3.4 million
▲ 2% vs 2024
€ 53,500 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.
€ 206,904
▼ 21% vs 2024
Of which on lease € 135,375.
Debts at end 2025
€ 775,152
▼ 62% vs 2024
€ 86,711 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 8.9 million
▲ 3% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 64 days on average.
€ 590,925
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 34,794,549 | € 59,628,795 | € 58,653,252 | € 53,349,791 | ▼ 9% |
| Profit after taxes | € 105,447 | € 780,899 | € 70,962 | € -958,588 | ▼ € 1 million |
| Equity | € 2,564,779 | € 3,275,677 | € 3,346,639 | € 2,388,051 | ▼ 29% |
| Total debts | € 14,488,457 | € 17,518,169 | € 13,248,741 | € 13,091,760 | ▼ 1% |
| Cash | € 1,007,499 | € 795,442 | € 952,802 | € 568,886 | ▼ 40% |
| Retained profit | € 2,503,229 | € 3,214,127 | € 3,285,089 | € 2,326,501 | ▼ 29% |
| Dividend | € 100,000 | € 70,000 | € 0 | € 0 | |
| Bank debt | € 2,078,015 | € 2,059,008 | € 2,020,330 | € 775,152 | ▼ 62% |
| Balance sheet total | € 17,092,061 | € 20,826,092 | € 16,646,593 | € 15,504,292 | ▼ 7% |
| Employees (FTE) | 63.5 | 73.2 | 72.2 | 64.3 | ▼ 7.9 |
Key figures of L'UNIVERSELLE, 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?
What happened at L'UNIVERSELLE 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: loss of € 958,588 (▼ € 1 million vs 2024). filed late Source: NBB ↗
- New establishment in Herstal. KBO
- Pascal Giuseppe Giaccone became a director. NBB
- STEPHANE REESER became a director. NBB
- Franca Giuseppina Giaccone became a director. NBB
In short
From € 105,447 profit in 2022 to € 958,588 loss in 2025.
Paid € 313,402 in corporate taxes since 2022.
Best year ever: 2023, with € 780,899 profit.
Paid out € 170,000 in dividends to the owners in total.
Management
Directors
According to the 2025 annual accounts
Pascal Giuseppe Giaccone
Managing director
Also active at: L'UNIVERSELLE IMMO, Auto Global Lease & Logistics, CARCARE, AUTO CITY LIEGE
since 2023 · until 2029
since 2023 · until 2029
Franca Giuseppina Giaccone
Managing director
Also active at: L'UNIVERSELLE IMMO, Auto Global Lease & Logistics, AUTO CITY LIEGE
since 2023 · until 2029
Establishments
Establishment units
Physical locations of this company
Boulevard Zénobe Gramme 25
4040 Herstal
Rue de Sauheid 78
4032 Liège
Active since 3 November 2014
Rue Biefnot 7
4100 Seraing
Active since 16 December 2014
Rue Haute-Crotte 46
4801 Verviers
Active since 2 November 2017
Rue de l'Estampage 13
4340 Awans
Active since 1 January 2019
Quai de Coronmeuse 85-86
4000 Liège
Active since 1 March 2020
Boulevard Zénobe Gramme 9
4040 Herstal
Active since 1 January 2021
Boulevard Zénobe Gramme 45
4040 Herstal
Active since 12 April 2024
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
- 0840.702.958
- VAT number
- BE 0840.702.958
- Registered office
- Boulevard Zénobe Gramme 25, 4040 Herstal
- Names & denominations
- L'UNIVERSELLE
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 28 October 2011
- Peppol
- Active · Active since 17 Dec 2025
- Activities · NACE
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