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UMAR

Active Private limited companyfounded 2004active for 22 yearsBoomsesteenweg 810, 2610 AntwerpKBO/BCE: BE 0866.813.180
UMAR
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Overview

Lifetime

19 annual accounts with figures on one time axis, 20 filings since 2005
peak €297,631 (2015)
€70,846▼ 61.8%
lowest -€119,092 (2024)
-€119,092▼ €124,530
peak €131,159 (2023)
€12,067▼ 90.8%
€342,321▼ 21.6%
peak 9.3 FTE (2015)
5.8 FTE▼ 10.8%
Board1 name since 2021
1 directorSABER Abdul Naveed
Documentsfilings and deeds
29-09-202560 days late
2024abbreviated format
Gross margin from €185,400 to €70,846Loss of €119,092Staff from 6.5 FTE to 5.8 FTEReappointment: SABER Abdul Naveed (director) 05-01Equity from €131,159 to €12,067Debts from €436,904 to €342,321

Key points

from the 2024 annual accounts

Equity

€12,067 from €131,159 in 2023

Equity fell by 91% in 1 year.

Debts

€342,321 97% of the balance sheet
Suppliers 74%Taxes and wages 4%Other 22%

Investments

€15,694 31.8 × depreciation
20222024

Green is investment, beige is depreciation.

Staff

6 employees on 31-12-2024
1272021181820221213202314152024

In 2024, 14 people joined and 15 left.

Filings

20 annual accounts 102 days past the deadline
AprilJune31 JulyOctober2005201020152020

2025 accounts not filed: deadline was 31-07-2026.

Position in the sector

-€119,092

Lower net result than 95% of companies in retail trade. Sector median €44,682 · 9,540 companies.

Checked score

35
Weak
Financially stronger than 12% of micro companies in retail trade (NACE 47)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
4.7% Elevated
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.9% 01-2025: 0.9%● unchanged vs 12-2024 02-2025: 0.9%● unchanged vs 01-2025 03-2025: 0.9%● unchanged vs 02-2025 04-2025: 0.9%● unchanged vs 03-2025 05-2025: 0.9%● unchanged vs 04-2025 06-2025: 0.8%▼ -0.1 percentage points vs 05-2025 07-2025: 0.8%● unchanged vs 06-2025lowest value 08-2025: 1.2%▲ +0.4 percentage points vs 07-2025 09-2025: 1.4%▲ +0.2 percentage points vs 08-2025 10-2025: 4.4%▲ +3.0 percentage points vs 09-2025 11-2025: 4.4%● unchanged vs 10-2025 12-2025: 4.4%● unchanged vs 11-2025 01-2026: 4.4%● unchanged vs 12-2025 02-2026: 4.4%● unchanged vs 01-2026 03-2026: 4.3%▼ -0.1 percentage points vs 02-2026 04-2026: 4.3%● unchanged vs 03-2026 05-2026: 4.1%▼ -0.2 percentage points vs 04-2026 06-2026: 3.9%▼ -0.2 percentage points vs 05-2026 07-2026: 4.0%▲ +0.1 percentage points vs 06-2026 08-2026: 4.5%▲ +0.5 percentage points vs 07-2026 09-2026: 4.3%▼ -0.2 percentage points vs 08-2026 10-2026: 4.7%▲ +0.4 percentage points vs 09-2026highest value 11-2026: 4.7%● unchanged vs 10-2026highest value

Financial strength
Weak

28-20equity 3.4% of total assets
16-42short-term debt 96.6% · cash 12.8%
0-40return on assets -33.6%

Score breakdown

raises risk
Loss of €119,092 (financial year 2024)
Equity €12,067 (3.4% of total assets)
1 financial year not filed after the legal deadline; last filed accounts filed 60 days late; 3 of the last 3 accounts late
lowers risk
Founded in 2004
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 21% of them on solvency, 15% on liquidity, 6% on profitability and 6% on growth.

The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2024.

Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 540 companies had the same profile as UMAR has now. Each dot stands for 2 companies, two years later.

85.7%
were still trading
8.3%
stopped another way
5.2%
went bankrupt
  • Micro
  • 20 years or older
  • solvency under 10%
  • a loss of 10% of the balance sheet or more

Another 0.7% stopped without a precise date, possibly only after those two years.

That fits the bankruptcy probability of UMAR itself: 4.7% within 12 months.

Test of the method

The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 540 companies, not a prediction for UMAR. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

No publishable credit limit, so credit only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity is insufficient, with a current ratio of 0.98 (1.29 in 2023), below 1. Short-term debt is 96.6% and cash 12.8% of total assets. 96.6% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Seven signals.
lowers riskraises risk
lowers risk · Founded in 2004
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Loss of €119,092 (financial year 2024)
NBB · annual accounts
raises risk · Equity €12,067 (3.4% of total assets)
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; last filed accounts filed 60 days late; 3 of the last 3 accounts late
NBB · filings
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 9538 sector peers (2024).
NBB · sector comparison
Position among 9538 sector peers
Solvency
better than 12%
← weakest strongest →
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 102 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline10-11-2026 today
raises risk · 2024 accounts filed 60 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
60 days late
2023
96 days late
2022
305 days late
2021
670 days late
2020
89 days late
2019
121 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 224 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

SA
SABER Abdul Naveed
Director
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0866813180
Reappointment: SABER Abdul Naveed (director) Gazette deed
Incorporation published on 25-08-2004 · Gazette deed
First establishment Q8 - A 12, Boomsesteenweg 810, Antwerp
All 33 events

Comparable companies

same main activity, similar in size and age
Company
UMAR Antwerp €354,388 €70,846 3.4% 5.8
WAVE Antwerp €303,399 €202,754 48.2% 3.1
AVENUE Vosselaar €409,251 €91,506 78.6% -
ROET Puurs-Sint-Amands €248,403 €74,304 69.2% -
'T SALOON DAMES Heist-op-den-Berg €317,207 €81,979 17.7% -
LIEVENS KLEDING Geel €487,206 €131,772 84.3% 2.4
MAXIMS FASHION Roeselare €437,212 €221,367 35.9% 4.4

These companies have the same main activity as UMAR: retail sale of women's outerwear (NACE 47711). They are comparable in size and age: total assets between €248,000 and €487,000, founded between 1989 and 2011.

Official details

Source: KBO
Status
Active since 17-08-2004Normal situation
Activity
Retail sale of women's outerwearNACE 47711and 2 others
Joint committees
100Auxiliary committee for blue-collar workers
201Independent retail · annual accounts 2024
Establishment unit
2.139.235.2282610 Antwerp, since 17-08-2004
Financial year end
31 December
Peppol
Reachable since 23-05-2026
Company details

Annual accounts 2024

€70,846▼ 61.8%
≈ €340,000estimated
€119,092
€12,067▼ 90.8%
€354,388▼ 37.6%
Employeeson 31-12-2024
6▼ 14.3%
Filing
Filed on 29-09-2025
Financials

Insights on UMAR

UMAR files the abbreviated format. That format states no turnover. The gross margin rose from €50,304 in 2006 to €70,846 in 2024.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2024

abbreviated format, filed on 29-09-2025, 60 days late

2025 annual accounts not yet filed, deadline passed on 31 July 2026 The financial year closed on 31 December 2025. The accounts are due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 10 November 2026.

€70,846
▼ 61.8%
-€99,087
▼ €118,615
-€119,092
▼ €124,530
-€5,538
▼ €134,291
3.4%
▼ 19.7 percentage points
0.98
▼ 0.31

Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €340,000. Estimated: probably between €170,000 and €500,000.

Balance sheet

balance sheet total €354,388 on 31-12-2024
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

3.4%

Higher than 12% of 9,538 companies in 2024.

0.98

Higher than 22% of 9,442 companies in 2024.

-33.6%

Lower than 95% of 9,488 companies in 2024.

UMAR Middle half of the sector 80% of the sector Abbreviated accounts in retail trade (NACE 47)

Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter · Staff: middle half

Staff

€28,862

Staff costs divided by the average number of full-time equivalents.

-1 person

people who joined people who left

In 2024, 14 people joined and 15 left.

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend2024202320222021202020192018201720162015201420132012201120102009200820072006
Balance sheet: assets
20/58 354,388568,063445,275376,739302,403199,099229,886171,110234,106204,258210,83811,68846,35577,99677,89293,538124,132109,64292,274
21/28 17,6052,4052,4055,3378,5461,6142,0041,1991,1991,9691,503-9,61414,5756,83511,95717,09021,33014,033
22/27 16,3931,1941,1944,1257,334403805--7701,503-9,61414,5756,83511,95717,09021,33014,033
23 -----403805--------44994671,205
24 16,3931,1941,1944,1257,334----7701,503-9,61413,0593,1326,0248,91510,601-
26 -------------1,5163,7025,8898,07610,26212,828
28 1,2121,2121,2121,2121,2121,2121,1991,1991,1991,199---------
29/58 336,783565,657442,869371,402293,857197,485227,881169,911232,907202,289209,33511,68836,74163,42171,05781,581107,04288,31278,241
3 119,00679,55651,66211,37740,34157,97730,08048,18668,44344,91220,543--30,17025,96419,74617,63812,08819,804
30/36 119,00679,55651,66211,37740,34157,97730,08048,18668,44344,91220,543--30,17025,96419,74617,63812,08819,804
40/41 172,334218,568233,639203,894196,086123,778100,36635,21036,72230,03822,3481,5722,8379,6058,7165,62210,58615,3032,946
40 6,8366,1637,161150,638103,54725,90837,6076098,189575--2,6956,1265,2812,1926,4565,830693
41 165,498212,405226,47753,25792,53997,87062,75934,60128,53429,46322,3481,5721433,4793,4353,4314,1309,4732,253
50/53 ----------------17,09516,53215,330
54/58 45,443265,793155,859155,56452,69511,73096,01286,402127,083125,838166,44310,11633,46921,23835,94954,40060,12942,97439,570
490/1 -1,7411,7095664,7364,0001,4241146581,501--4352,4074281,8131,5941,415591
Balance sheet: equity and liabilities
10/49 354,388568,063445,275376,739302,403199,099229,886171,110234,106204,258210,83811,68846,35577,99677,89293,538124,132109,64292,274
10/15 12,067131,159125,720121,883111,86264,26191,207-4,963-19,043-25,43730,5219,79217,54216,94439,75953,88049,57546,08458,792
10/11 18,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,6006,2006,2006,2006,2006,2006,2006,2006,200
100 -----18,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,600
101 -----------12,40012,40012,40012,40012,40012,40012,40012,400
11 ----18,600--------------
1109/19 ----18,600--------------
13 33,55933,55933,55933,55933,55933,55933,55933,55933,55933,55933,55933,55933,55933,55933,55947,68043,37539,88452,592
130/1 1,8601,8601,8601,8601,860--------------
130 -----1,8601,8601,8601,8601,8601,8601,8601,8601,8601,8601,8601,8601,8601,860
1311 1,8601,8601,8601,8601,860--------------
132 15,02115,02115,02115,02115,02115,02115,02115,02115,02115,02115,02115,02115,02115,02115,02115,02115,02115,02125,021
133 16,67916,67916,67916,67916,67916,67916,67916,67916,67916,67916,67916,67916,67916,67916,67930,79926,49423,00325,711
14 -40,09278,99973,56169,72459,70212,10239,047-57,123-71,202-77,596-21,639-29,968-22,217-22,815-----
17/49 342,321436,904319,555254,856190,541134,838138,679176,074253,149229,695180,3171,89728,81361,05138,13339,65874,55663,55833,482
17 -------------580--2,1375,799-
170/4 -------------580--2,1375,799-
42/48 342,321436,904316,848252,149187,834134,838138,679176,074253,149229,695180,3171,87728,33557,86635,78537,87870,89055,22432,516
42 ------------5803,345-1,8312,7473,3576,320
44 254,582248,105136,03965,6733,2726,0951,89842,926179,730191,975139,6911263,5728,004-2,8427,70817,0249,687
440/4 254,582248,105136,03965,6733,2726,0951,89842,926179,730191,975139,6911263,5728,004-2,8427,70817,0249,687
45 12,807143,769136,158143,328148,149120,540136,518130,12550,47436,84220,0151,75133614,4559,2608,68111,5648,70710,791
450/3 1,42412,13011,1438,36438,627----91-1,7513369,3806,4553,3676,1963,9179,086
454/9 11,384131,639125,015134,964109,522120,540136,518130,12550,47436,75020,015--5,0752,8065,3135,3674,7911,705
47/48 74,93245,03144,65143,14836,4138,2032633,02322,94587920,611-23,84732,06226,52424,52448,87226,1355,717
492/3 --2,7072,7072,707------204772,6062,3481,7801,5302,534966
Income statement
76A --3,900--------45318,4843,961-----
9900 70,846185,400174,407151,448123,05838,877180,359138,114292,696297,631162,336-6,152-11,4361,10815,89649,85446,97822,56750,304
62 167,397163,707164,748117,40272,73353,80179,397118,483283,467349,707150,145-1,21820,23522,86719,53419,61319,28917,797
630 494-2883,2091,319403403-770733697-3,4465,6325,1225,1335,4456,2304,111
640/8 2,0422,1651,7183,3901,3581,3841,5591,5921,5471,7391,0681,9661,5881,6871,6431,6641,5491,2611,652
66A --------57260---------
9901 -99,08719,5287,65327,44847,647-16,71199,00118,0406,912-54,54810,427-8,118-17,688-26,446-13,73523,52320,370-4,21326,745
75/76B 4061100622013012242737846542,1694,3094,3221,361
75 4061100622013012242737846542,1694,3094,3221,361
65/66B 4,1263,3353,822-1,7952,7382,8192,8375895181,4762,0981505121,1141,1781,3699866,7761,384
65 4,1263,3353,822-1,7952,7382,8192,8375334611,2172,0981505121,1141,1781,3699866,7761,384
66B -------5557260---------
9903 -103,20916,1933,83729,25444,909-19,53096,17017,4736,394-55,8948,329-7,591558-22,815-14,25924,32223,693-6,66726,722
67/77 15,88210,754-19,233-2,6917,415-3,394-63-160-40--138172026,0404,171
9904 -119,0925,4393,83710,02147,600-26,94596,17014,0796,394-55,9588,329-7,751598-22,815-14,12124,30523,491-12,70822,551
789 -----------------10,000-
689 ------------------10,000
9905 -119,0925,4393,83710,02147,600-26,94596,17014,0796,394-55,9588,329-7,751598-22,815-14,12124,30523,491-2,70812,551
Appropriation of the result
9906 -40,09278,99973,56169,72459,70212,10239,047-57,123-71,202-77,596-21,639-29,968-22,217-22,815-14,12124,30523,491-2,70812,551
14P 78,99973,56169,72459,702---------------
791/2 --------------14,121--12,708-
691/2 ---------------4,3053,49110,00012,551
6921 ---------------4,3053,49110,00012,551
694/7 ---------------20,00020,000--
695 ---------------20,00020,000--
Social balance sheet
9087 5.86.56.64.72.72.43.63.57.89.34.7-0.11.11.10.90.90.90.9
Hours worked1013 9,2679,58310,4787,2854,0103,7415,2206,45613,89617,3588,499-11,2761,8561,4931,5581,6151,628
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The accounts for financial year 2005 were filed as a document without figures as data, a scan for example.

The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Source: Annual accounts 2024 (PDF), filed on 29-09-2025.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2024 abbreviated format 29-09-2025 2025-00510002 PDF
31-12-2023 abbreviated format 04-11-2024 2024-00526807 PDF
31-12-2022 micro format 31-05-2024 2024-00103291 PDF
31-12-2021 micro format 31-05-2024 2024-00103290 PDF
31-12-2020 micro format 28-10-2021 2021-74200122 PDF
31-12-2019 micro format 29-11-2020 2020-73500474 PDF
31-12-2018 micro format 09-10-2019 2019-69000154 PDF
31-12-2017 micro format 19-03-2019 2019-07200280 PDF
31-12-2016 abbreviated format 20-08-2018 2018-46100434 PDF
31-12-2015 abbreviated format 13-10-2017 2017-66900500 PDF
31-12-2014 abbreviated format 29-09-2015 2015-61100532 PDF
31-12-2013 abbreviated format 14-04-2015 2015-09700551 PDF
31-12-2012 abbreviated format 25-07-2013 2013-36300098 PDF
31-12-2011 abbreviated format 30-07-2012 2012-36600588 PDF
31-12-2010 abbreviated format 31-08-2011 2011-50700301 PDF
31-12-2009 abbreviated format 29-07-2010 2010-36500322 PDF
31-12-2008 abbreviated format 28-07-2009 2009-49200168 PDF
31-12-2007 abbreviated format 25-07-2008 2008-47200350 PDF
31-12-2006 abbreviated format 08-08-2007 2007-54600383 PDF
31-12-2005 abbreviated format 20-07-2006 2006-50501504 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend2024202320222021202020192018201720162015201420132012201120102009200820072006
-98,593-7,94130,65748,967-16,30899,404-7,682-53,81511,123--14,242-20,814-8,61328,65625,8152,01730,856
-118,597-4,12513,23048,920-26,54296,573-7,164-55,2249,026-4,043-17,183-8,99929,43828,936-6,47826,661
15,694-1,48208,251131,208-01,1992,200--1,51616,023001,20513,527-
-220,350109,934295102,86940,965-84,2819,610-40,6821,246-40,606156,327-23,35312,231-14,711-18,450-5,72917,1553,404-
-5,538128,753126,021119,253106,02362,64789,202-6,162-20,242-27,40629,0179,8128,4065,55535,27243,70336,15233,08845,725
3.4%23.1%28.2%32.4%37.0%32.3%39.7%-2.9%-8.1%-12.5%14.5%83.8%37.8%21.7%51.0%57.6%39.9%42.0%63.7%
0.981.291.401.471.561.461.640.970.920.881.166.231.301.101.992.151.511.602.41
0.641.111.231.431.351.031.430.690.650.691.056.231.300.571.261.631.261.381.80
28.373.332.542.091.702.101.52---5.910.191.643.600.960.741.501.380.57
-986.9%4.1%3.1%8.2%42.6%-41.9%105.4%---27.3%-79.2%3.4%-134.6%-35.5%45.1%47.4%-27.6%38.4%
-33.6%1.0%0.9%2.7%15.7%-13.5%41.8%8.2%2.7%-27.4%4.0%-66.3%1.3%-29.3%-18.1%26.0%18.9%-11.6%24.4%
-23.89-2.08-17.08---------------

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Social balance sheet

Item31-12-202431-12-202331-12-202231-12-2021
Employees at the balance-sheet date6788
full-time5674
part-time1114
in full-time equivalents5.46.47.26.8
5.86.56.64.7
On a permanent contract4668
Joined14121812
Left1513187

Source: social balance sheet in the 2021 to 2024 annual accounts

Investments

fixed assets acquired
Item2024202320222021
Tangible fixed assets€15,694-€1,482-
€494-€288€3,209

Source: notes to the 2021 to 2024 annual accounts (statement of fixed assets)

Insights on UMAR

The operating result for 2024 is a loss of €99,087, after a profit of €19,528 in 2023. It is the lowest result since 2006.

Debt's share of the balance-sheet total rises from 76.9% to 96.6%. Equity and debt are lower.

Board & ownership

Board

1 director
SABER Abdul Naveed
Director
in office according to the deed of 05-01-2024 term without a fixed end
also on the board of 1 other company
listed in the 2024 annual accounts, filed on 29-09-2025
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 05-01-2024

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
SABER Abdul Naveed
Director
Boardmandate already running before its first mention
Mandates as a list
  • SABER Abdul Naveed
    • Director, since before 31-12-2021

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€18,600
Source
2024 annual accounts

Articles of association

deed of 05-01-2024 (in Dutch)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
At least 1 director
“Met of zonder beperking van duur, algemene vergadering die benoemt”
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
14 June at 10:00

Network & group

No group

UMAR has no parent and no holdings in its annual accounts. SABER Abdul Naveed is the only director.

Connections & network

1 connected company
Depth

The connected companies are in the list below.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
Al Noor
via SABER Abdul Naveed · Director · deed of 05-01-2024
Founded in 1988 · total assets €127,904 (2025)
→

Timeline

Timeline

33 events since 2004
2026
Registered in the Peppol Directory Reachable for e-invoices through 0208:0866813180
2025
Annual accounts 2024 filed PDFabbreviated format · 60 days late
2024
Weakest financial year net -€119,092 The net result drops to -€119,092, the lowest from 2006 to 2024.
Annual accounts 2023 filed PDFabbreviated format · 96 days late
Annual accounts 2021 filed PDFmicro format · 670 days late
Annual accounts 2022 filed PDFmicro format · 305 days late
Reappointment: SABER Abdul Naveed (director)1 point ▸

Open the deed in the Belgian Official Gazette

2021
Annual accounts 2020 filed PDFmicro format · 89 days late
2020
Back to profit net €47,600 The net result is €47,600, after one loss-making year.
Equity above €100,000 equity €111,862 ▲74.1% Equity rises from €64,261 to €111,862.
Annual accounts 2019 filed PDFmicro format · 121 days late
2019
Annual accounts 2018 filed PDFmicro format · 70 days late
Annual accounts 2017 filed PDFmicro format · 231 days late
2018
Highest result from 2006 to 2024 net €96,170 ▲583% The operating result of €99,001 and the net result of €96,170 are both a record.
Annual accounts 2016 filed PDFabbreviated format · 385 days late
2017
Annual accounts 2015 filed PDFabbreviated format · 439 days late
2016
Back to profit net €6,394 The net result is €6,394, after one loss-making year.
2015
Annual accounts 2014 filed PDFabbreviated format · 60 days late
Annual accounts 2013 filed PDFabbreviated format · 257 days late
2014
Back to profit net €8,329 The net result is €8,329, after one loss-making year.
2013
Liquidity more than quadruples current ratio 6.23 The current ratio rises from 1.30 to 6.23. Short-term debt falls from €28,335 to €1,877.
Annual accounts 2012 filed PDFabbreviated format · 6 days before the deadline
2012
Back to profit net €598 The net result is €598, after 2 loss-making years.
Annual accounts 2011 filed PDFabbreviated format · 1 day before the deadline
2011
Annual accounts 2010 filed PDFabbreviated format · 31 days late
2010
Annual accounts 2009 filed PDFabbreviated format · 2 days before the deadline
2009
Annual accounts 2008 filed PDFabbreviated format · 3 days before the deadline
2008
Back to profit net €23,491 The net result is €23,491, after one loss-making year.
Annual accounts 2007 filed PDFabbreviated format · 6 days before the deadline
2007
Annual accounts 2006 filed PDFabbreviated format · 8 days late
2006
Annual accounts 2005 filed PDFabbreviated format
2004
Incorporation PDFpublished on 25-08-2004
First establishment Q8 - A 12, Boomsesteenweg 810, Antwerp

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

UMAR was incorporated on 17 August 2004.1 Total assets rose from €229,886 in 2018 to €354,388 in 2024 and headcount from 3.6 to 5.8 full-time equivalents.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2018 and 2024

Company details

Identity

Enterprise number
0866.813.180
VAT number
BE 0866.813.180
Peppol ID
0208:0866813180
Other Peppol ID
9925:BE0866813180
Legal form
Private limited company
Status
Active, normal situation
Founded
17-08-2004
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
14 June at 10:00
deed of 05-01-2024 (in Dutch)
Peppol
Reachable since 23-05-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
UMAR in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 05-01-2024 (in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 05-01-2024 (in Dutch)

Activities

NACEBEL 2025
VAT activities
47711 Retail sale of women's outerwear main activity
47715 Retail trade
Social security (RSZ) activities
47300 Retail sale of automotive fuel main activity
Joint committees annual accounts 2024
JC 100 Auxiliary committee for blue-collar workers
JC 201 Independent retail
Codes under NACEBEL 2008
VAT activities
47711 Retail trade main activity
47715 Retail trade
Social security (RSZ) activities
47300 Retail trade main activity
Codes under NACEBEL 2003
52423 main activity
52426
PurposeThe purpose describes the activities the company may carry out under its articles.
“Verhuur van eigen onroerend goed; Bemiddeling in en beheer van onroerend goed voor rekening van derden; Groot-en kleinhandel,import en…”
58 activities
  1. Verhuur van eigen onroerend goed
  2. Bemiddeling in en beheer van onroerend goed voor rekening van derden
  3. Groot-en kleinhandel,import en export,handelsbemiddeling in machines,meubelen,geschenkartikelen,bouwmaterialen,voeding,parfums,cosmetica,restaurant-benodigdheden,horecamaterialen en alle horecabenodigdheden,enz.
  4. Restaurants van het traditionele type,Fast food-zaken,snackbars,frituren en dergelijke,
  5. Drankgelegenheden,Hotels
  6. Industriële reiniging,Schoonmaakbedrijf,car-wash
  7. Schilderwerken
  8. Administratiekantoor,vertaaldiensten en tolken,overige adviesbureaus op het gebied van bedrijfsvoering en beheer - Overige activiteiten i.v.m.administratie,n.e.g.- Overige zakelijke dienstverlening,n.e.g.
  9. Verhuur van overige roerende goederen
  10. Verhuur van videocassettes en -banden(videotheek)
  11. Telefoonwinkel + internetcafé+verkoop van prepaid kaarten
  12. Kleinhandel in elektrische huishoudapparaten en in audio-en videoapparatuur
  13. De groot en kleinhandel in elektronische apparaten zoals : hi-fi installaties,gsm's,T.V's,koelkasten,...
  14. De uitbating van een algemene supermarkt alsook de handel,de verkoop in groothandel of in kleinhandel,de vertegenwoordiging,de distributie,de dienst,de verpakking,de import,de export,de makelarij,de vervaardiging van alle voedingswaren of levensmiddelen alsook alles wat betrekking heeft op de algemene voeding,waaronder ondermeer,en dit zonder limitatief te kunnen geïnterpreteerd te worden producten van suikergoed,tabakswaren,koffie,thee,dranken,groenten en fruit,zuivelproducten,wild en gevogelte.
  15. De uitbating van een benzinestation
  16. Nachtwinkel,Krantenwinkel,Schoenenwinkel
  17. Kapsalon
  18. Vervoersbemiddeling
  19. Logistiek management,expeditie,distributie en transport,Nationaal en internationaal goederenvervoer over de weg,zowel voor eigen rekening als voor rekening voor derden - het opslaan en verhandelen van handelsgoederen + verpakkingsdiensten - het vervullen van alle administratieve formaliteiten inzake goederen-vervoer,zowel voor eigen rekening als voor rekening van derden — Koerierdiensten -Verhuur van vrachtwagens met chauffeur
  20. Bakker
  21. Slagerij,helal slachting,uitbeenden,slachten,inpakken
  22. Alle Renovatiewerken,Alle electriciteitswerken,
  23. Onderneming voor het leggen van tegelvloeren en mozaïek
  24. Ondememing voor het plaatsen van alle wand- en vloerbekledingen
  25. Onderneming voor het uitvoeren van voegwerken
  26. Onderneming voor het aanbrengen van chape
  27. Onderneming voor,geluids- en warmte-isolering
  28. Onderneming voor het plaatsen van ventilatie en verluchting,van verwarming met warme lucht,van luchtmengeling van industriële pijpleidingen
  29. Onderneming voor het plaatsen van verlichting,drijfkracht,telefoon,centrale verwarming met water en stoom,scheidingswanden en valse plafonds uitgezonderd deze in hout
  30. Onderneming voor het optrekken van gebouwen(ruwbouw en onderdak zetten)
  31. Groothandel in ijzerwaren,
  32. De aanleg van telecommunicatielijnen en —netten
  33. De aanleg van leidingen voor het vervoer en de distributie van elektrische energie
  34. De aanleg van pijpleidingen voor het vervoer van gas,petroleumproducten
  35. De aanleg van waterdistributienetten en rioleringen
  36. Bouwbedrijf,Stukadoorwerken,terras,klinkers,tuinwerken,metaalconstructies
  37. Het aanbrengen van pleister- en stukadoorswerk(inclusief het aanbrengen van een hechtgrond)aan de binnen- of buitenzijde van gebouwen en andere bouwwerken
  38. Het plaatsen van schermen ter bescherming van de thermische isolatie tegen vocht,die de aanvulling zijn van schrijn- en timmerwerken.
  39. Geringe herstellingswerken noodzakelijk voor de uitvoering van werken die behoren tot andere beroepen,
  40. Groothandel en kleinhandel in onderdelen en accessoires van auto's,Import en export van nieuwe of tweedehandsvoertuigen en dit zowel voor de binnenlandse als voor de buitenlandse markt.Alle activiteiten m.b.b.garagehouder,hersteller.
  41. De aan- en verkoop van Ieder- en textielwaren
  42. De groot- en kleinhandel in dranken
  43. Onderneming voor het aanleggen van speelpleinen,sportvelden,parken en tuinen voor het snijden en snoeien van bomen,groothandel in bloemen en planten,tuinbouwbedrijf,aannemer tuinwerk;
  44. Kweekbedrijf voor wild en gevogelte
  45. Kleinhandel In ijzerwaren,verf en bouwmaterialen(inclusief doe-het-zelfzaken)met een verkoopsoppervlakte van minder dan 400 m 2
  46. Het beheer en de exploitatie van sportcentra die kunnen gebruikt worden voor de beoefening van diverse sporten en disciplines
  47. Gevelreiniging door middel van zandstralen,met behulp van stoom,enz.- Overige werkzaamheden in verband met de afwerking van gebouwen,n.e.g.
  48. De exploitatie van taxi's - De verhuur van personenauto's met chauffeur.
  49. Industriële wasserijen,ververijen en dergelijke - Wassen,chemisch reinigen,persen,strijken,bleken,verven,enz.,van textielartikelen en kleding voor bedrijven of andere grootgebruikers en voor depothouders die wasgoed van particulieren aanvaarden - Het ophalen en bezorgen van de was - Het reinigen van tapijten en gordijnen - De diensten die door wasserettes en automatische wassalons verleend worden - Wasserettes,behandeling van was en reiniging van kleding ten behoeve van particulieren •• De behandeling(ophalen,wassen,strijken,thuisbezorgen,enz.)op niet-industriële schaal van wasgoed en de reiniging van kleding,overwegend ten behoeve van particulieren.
  50. Alles m.b.t.hardware,software en randapparatuur van computers
  51. Activiteiten van een electrozaak
  52. Speelgoedverkoop
  53. Handel in sierraden en juwelen.
  54. Groot en kleinhandel in allerhandse koel- en/of diepvriesproducten
  55. Het uitbaten van een polyvalente zaal door deze ter beschikking te stellen voor het organiseren van evenementen in de amusementssector,al daar zijn bals,trouwfeesten,klassieke concerten,theatervoorstellingen,voordrachtavonden,filmvoorstellingen,bedrijfsfeesten,colloquia,vergaderingen,culturele manifestaties en danslessen,
  56. Verkoop en verhuur van trouwjurken,herenpakken,
  57. Verkoop van bedden en matrassen
  58. Depannagediensten + verhuisdiensten
deed of 05-01-2024 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit numberFASFC approval
Q8 - A 12 registered office Boomsesteenweg 810, 2610 Antwerp 47300 Retail sale of automotive fuel 17-08-2004 2.139.235.228 Retail trade

Buildings and parcels at the address

Ground area
1,747 m²
Buildings
368 m²
Volume, LiDAR
1,509 m³
Tallest building
6.0 m
Buildings to scale, each on its own parcel
368 m², 6.0 m 368 m², 6.0 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
11463D0275/00D0031,747 m² 1 · 368 m² 6.0 m · 1

Recognitions

Food safety, FASFC

1 site
Antwerpunit number 2.139.235.228
1 permission
Authorisation · Retail trade · since 02-06-2017

Source: FAVV-AFSCA, open data, updated on 02-11-2026

Contact

E-mail q8umar@hotmail.be establishment in Antwerpen
Phone +32 496 84 31 50 establishment in Antwerpen

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