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UCMI

Active
Private limited companyfounded 195175 yrs activeRue Natalis 47, 4020 Liège, BelgiumKBO/BCE: BE 0403.939.078
Summary

UCMI has been active since 1951 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €648,776 and a net result of -€16,471. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 66% of 11006 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
UCMIActiveChecked score 95/100
Risk analysis ReportCompare

Overview

Activity
Renting and operating of own or leased non-residential real estate, excluding land
NACE 68203NACE 47740Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses NACE 47741
#6 oldest company in Liège, Real estate sector3 sites
Size
€1.3mtotal assets 2025
Staff
5 FTE
Equity
€648,776
Loss
-€16,471
Financial health
95 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts 22 d early0 of 16 deeds read
Why 95+ Liquidity: current ratio 2.04, cash €301,997+ Founded in 1951+ Size: 5 FTE, total assets €1.3m+ Equity €648,776 (51.8% of total assets)Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Better than 60% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 77-2
equity 51.8% of total assets
Liquidity 74+30
short-term debt 19.3% · cash 24.1%
Profitability 67-2
return on assets -1.3%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.2% (26,529 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%● 0.0% vs 12-2024 02-2025: 0.1%● 0.0% vs 01-2025 03-2025: 0.1%● 0.0% vs 02-2025 04-2025: 0.1%▲ +4.5% vs 03-2025 05-2025: 0.1%● 0.0% vs 04-2025 06-2025: 0.1%▲ +7.6% vs 05-2025 07-2025: 0.1%▲ +12.1% vs 06-2025 08-2025: 0.4%▲ +217% vs 07-2025 09-2025: 0.4%● 0.0% vs 08-2025 10-2025: 0.4%▲ +14.5% vs 09-2025 11-2025: 0.4%● 0.0% vs 10-2025 12-2025: 0.4%● 0.0% vs 11-2025 01-2026: 0.4%● 0.0% vs 12-2025 02-2026: 0.4%● 0.0% vs 01-2026 03-2026: 0.4%● 0.0% vs 02-2026 04-2026: 0.4%▲ +2.0% vs 03-2026 05-2026: 0.4%▲ +0.5% vs 04-2026highest value 06-2026: 0.4%▼ -7.0% vs 05-2026 07-2026: 0.4%▼ -1.6% vs 06-2026 08-2026: < 0.1%▼ -88.1% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 2.04, cash €301,997 lowers the probability
  • Founded in 1951 lowers the probability for this profile
  • Size: 5 FTE, total assets €1.3m lowers the probability for this profile
  • Equity €648,776 (51.8% of total assets) lowers the probability
Credit up to €60,000 at 30 days acceptable
Liquidity ample (current ratio 2.04 against 1.77 in 2024; short-term debt: 19.3% and cash: 24.1% of total assets), and 48.2% 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 68, micro). Better than this share of them on solvency 66%, liquidity 83%, profitability 53%, growth against the median 38%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. 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○neutral
lowers risk · Liquidity: current ratio 2.04, cash €301,997
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1951
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Size: 5 FTE, total assets €1.3m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Equity €648,776 (51.8% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
22 d early
2024
13 d early
2023
15 d early
2022
22 d late
2021
23 d early
2020
31 d late
2019
30 d early
← 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 7 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 17 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
07-10-2026 today31-12-2026 close31-07-2027 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. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Back to profitnet €3,879

Key points

  • Positive: Oldest company in Liège, Real estate sectorin the Checked rankings #6 View
  • Active since 1951founded 19-06-1951 75 years View
  • Total assets 20256 fiscal years filed €1.3m View

By topic

Financials

Fiscal year
2025
Total assets
€1.3m
Loss
-€16,471
Solvency
51.8%
Total assets▲ 0.7%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 09-07-2026Annual accounts filed
  2. 18-07-2025Annual accounts filed
  3. 31-12-2024Back to profit
Go to Timeline

Company details

Sites
3
Legal form
Private limited company
Activity
Renting and operating of own or leased non-residential…NACE 68203
Founded
19-06-1951
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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