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UMBROSA

Active
Public limited companyfounded 198838 yrs activeBeversesteenweg 565, 8800 Roeselare, BelgiumKBO/BCE: BE 0434.309.481
Summary

UMBROSA has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.4m and a net result of €31,056. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 54% of 324 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
UMBROSAActiveChecked score 92/100
Risk analysis ReportCompare

Overview

Activity
Manufacture of other builders' carpentry and joinery
NACE 16230Manufacture of fabricated metal products, except machinery and equipment NACE 25120Manufacture of machinery and equipment not elsewhere classified NACE 28120
1 site
Size
€4.8mtotal assets 2025
Staff
26.1 FTE
Equity
€2.4m
Profit
€31,056
Turnover not published (abridged schema)
Financial health
92 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Largest shareholder
HELEON ENGINEERING · 10%
Board
4 members
Holdings
3
Accounts 69 d early1 of 19 deeds read
Why 92- Sector Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials (NACE 16)+ Founded in 1988+ Equity €2.4m (49.5% of total assets)+ Size: 26.1 FTE, total assets €4.8mShow the evidence

Checked score

Score 2025
92 / 100
Excellent
Probability in this band: under 0.55%
Better than 48% of its sector peers (NACE 16, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 74+3
equity 49.5% of total assets
Liquidity 43+2
short-term debt 40.9% · cash 10.0%
Profitability 70+24
return on assets 0.7%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (165 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%▲ +10.7% vs 12-2024 02-2025: 0.2%▲ +3.6% vs 01-2025 03-2025: 0.2%▲ +4.9% vs 02-2025 04-2025: 0.3%▲ +20.2% vs 03-2025 05-2025: 0.3%▲ +17.6% vs 04-2025 06-2025: 0.3%● 0.0% vs 05-2025 07-2025: 0.3%● 0.0% vs 06-2025 08-2025: 0.3%● 0.0% vs 07-2025 09-2025: 0.3%● 0.0% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%▲ +10.6% vs 12-2025 02-2026: 0.3%▲ +3.3% vs 01-2026highest value 03-2026: 0.1%▼ -63.7% vs 02-2026lowest value 04-2026: 0.1%● 0.0% vs 03-2026lowest value 05-2026: 0.1%● 0.0% vs 04-2026lowest value 06-2026: 0.1%● 0.0% vs 05-2026lowest value 07-2026: 0.1%● 0.0% vs 06-2026lowest value 08-2026: 0.1%● 0.0% vs 07-2026lowest value 09-2026: 0.1%● 0.0% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value
  • Founded in 1988 lowers the probability for this profile
  • Sector Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials (NACE 16) raises the probability
  • Equity €2.4m (49.5% of total assets) lowers the probability
  • Size: 26.1 FTE, total assets €4.8m lowers the probability for this profile
Credit up to €210,000 at 30 days acceptable
Liquidity ample (current ratio 1.55 against 1.69 in 2024; short-term debt: 40.9% and cash: 10% of total assets), but 50.5% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 16, small). Better than this share of them on solvency 48%, liquidity 44%, profitability 57%, growth against the median 43%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Founded in 1988
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Sector Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials (NACE 16)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Equity €2.4m (49.5% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Size: 26.1 FTE, total assets €4.8m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-02-2026, 69 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
69 d early
2024
27 d early
2023
60 d early
2022
82 d early
2021
87 d early
2020
72 d early
2019
20 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 54 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 37% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 20 February (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close05-10-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Reappointments: Stract BV, Strateqo BV and…Permanent representatives: Haemers Christophe, Lannoye…
  2. Annual accounts filedfiscal year 2025 · abbreviated…
  3. Back to profitnet €31,056

Key points

  • Positive: Back in profit in 2025after -€159,107 in 2024 €31,056 View
  • Positive: Among the best 10% on equitysector median €374,485 · 324 companies €2.4m View
  • New directorslatest change 01-04-2026 · 4 in office 4 joined View
  • Positive: Always filed on timeaccounts within the deadline every year 6 years View
  • Flemish supportawarded 2022 - 2025 €411,420 View

By topic

Financials

Fiscal year
2025
Total assets
€4.8m
Profit
€31,056
Solvency
49.5%
Total assets▼ 5.5%
Net result
20192025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 30-04-2027
  1. 01-04-2026Reappointments: Stract BV, Strateqo BV and Heleon…
  2. 20-02-2026Annual accounts filed
  3. 30-09-2025Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Manufacture of other builders' carpentry and joineryNACE 16230
Founded
27-05-1988
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies

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