Caisse wallonne d'assurances sociales UCM
ActiveCaisse wallonne d'assurances sociales UCM has been active since 1967 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €5.97M and a net result of €694k. Equity is shrinking by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 50% of 68 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability63▲+8
Solvency69▲+20
Growth53▼-1
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €470k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 1.23 in 2023; short-term debt: 51.9% and cash: 29.8% of total assets), but 55.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 84
Relative position
BE, all sectors
reference
Sector 84
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
44.3%
Return on assets
5.1%
Age of the figures
21 mo
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €5.97M
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-06-2025, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
36 d early
2023
42 d early
2022
41 d early
2021
38 d early
2020
50 d early
2019
38 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Turnover
€18.69M▲ 1.0%
2023 · €18.50M
2018: €15.18M
2019: €15.74M
2020: €15.36M
2021: €15.57M
2022: €16.47M
2023: €18.50M
2018 → 2024
EBIT margin
1.6%▲ 2.3pp
2023 · -0.6%
2018: -3.8%
2019: -2.5%
2020: -0.4%
2021: -4.9%
2022: -3.1%
2023: -0.6%
2018 → 2024
Net result
€694k▲ 542%
2023 · €108k
2018: €-672k
2019: €-255k
2020: €-179k
2021: €-1.08M
2022: €-585k
2023: €108k
2018 → 2024
Working capital
€4.88M▲ 23.1%
2023 · €3.96M
2018: €5.19M
2019: €5.96M
2020: €7.25M
2021: €5.02M
2022: €4.16M
2023: €3.96M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€15.36M-€15.57M▲ 1.4%€16.47M▲ 5.8%€18.50M▲ 12.3%€18.69M▲ 1.0%
Equity€6.83M-€5.76M▼ 15.8%€5.17M▼ 10.2%€5.28M▲ 2.1%€5.97M▲ 13.1%
Operating result€-65k-€-765k▼ 1,074%€-509k▲ 33.4%€-114k▲ 77.6%€306k
Net result€-179k-€-1.08M▼ 502%€-585k▲ 45.7%€108k€694k▲ 542%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €306k after a loss of €114k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €13.47M
Fixed assets
€1.61M▲ 22.2%
Current assets
€11.86M▼ 43.3%
Equity and liabilities €13.47M
Equity
€5.97M▲ 13.1%
Provisions
€512k
Debt
€6.99M▼ 58.8%
The debt ratio falls from 76.3% to 51.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€870k▲
2023 · €334k
Cash flow
€1.26M▲
2023 · €556k
Solvency
44.3%▲
2023 · 23.7%
Current ratio
1.70▲
2023 · 1.23
Quick ratio
1.70▲
2023 · 1.23
Debt / equity
1.17▼
2023 · 3.21
ROE
11.6%▲
2023 · 2.0%
ROA
5.1%▲
2023 · 0.5%
Interest coverage
27.31▲
2023 · 13.92
Debt
€6.99M▼
2023 · €16.96M
Debt ≤ 1 year
€6.98M▼
2023 · €16.96M
Income taxes
€15k▲
2023 · €13k
Staff costs
€4.96M▲
2023 · €4.66M
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€22.24M€13.47M▼
Fixed assets21/28€1.32M€1.61M▲
Intangible fixed assets21€1.13M€1.43M▲
Tangible fixed assets22/27€32k€23k▼
Land and buildings22€30k€22k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€3k€1k▼
Financial fixed assets28€159k€159k=
Companies linked by participating interests282/3€155k€155k=
Participating interests282€155k€155k=
Other financial fixed assets284/8€3k€3k=
Amounts receivable and cash guarantees285/8€3k€3k=
Current assets29/58€20.92M€11.86M▼
Amounts receivable after more than one year29€5.33M€5.54M▲
Other amounts receivable291€5.33M€5.54M▲
Amounts receivable within one year40/41€1.07M€2.04M▲
Trade receivables40€1.07M€2.04M▲
Other amounts receivable41€0€0=
Current investments50/53€1.90M€14k▼
Cash at bank and in hand54/58€12.61M€4.01M▼
Deferred charges and accrued income490/1€8k€249k▲
Equity and liabilities
Total equity and liabilities10/49€22.24M€13.47M▼
Equity10/15€5.28M€5.97M▲
Contributions10/11€5.17M€5.28M▲
Capital10€5.17M€5.28M▲
Profit (loss) carried forward14€108k€694k▲
Provisions and deferred taxes16€0€512k▲
Provisions for liabilities and charges160/5€0€512k▲
Other liabilities and charges164/5€0€512k▲
Amounts payable17/49€16.96M€6.99M▼
Amounts payable within one year42/48€16.96M€6.98M▼
Trade debts44€4.34M€3.27M▼
Suppliers440/4€4.34M€3.27M▼
Taxes, remuneration and social security45€544k€583k▲
Taxes450/3€3k€3k▲
Remuneration and social security454/9€541k€579k▲
Accrued charges and deferred income492/3€72€378▲
Income statement
Code20232024
Operating income70/76A€19.33M€19.77M▲
Turnover70€18.50M€18.69M▲
Other operating income74€182k€512k▲
Non-recurring operating income76A€2k€13k▲
Operating charges60/66A€19.44M€19.46M▲
Services and other goods61€14.29M€13.27M▼
Remuneration, social security and pensions62€4.66M€4.96M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€448k€563k▲
Other operating charges640/8€205k€154k▼
Non-recurring operating charges66A€21k€11k▼
Operating profit (loss)9901€-114k€306k▲
Financial income75/76B€282k€330k▲
Recurring financial income75€282k€329k▲
Income from financial fixed assets750€6k€1k▼
Income from current assets751€0€1k▲
Other financial income752/9€275k€327k▲
Non-recurring financial income76B€0€286▲
Financial charges65/66B€47k€-73k▼
Recurring financial charges65€47k€-73k▼
Debt charges650€24k€32k▲
Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651€15k€-105k▼
Other financial charges652/9€8k-
Profit (loss) for the period before taxes9903€121k€709k▲
Income taxes67/77€13k€15k▲
Taxes670/3€13k€15k▲
Profit (loss) for the period9904€108k€694k▲
Profit (loss) for the period to be appropriated9905€108k€694k▲
Appropriation of the result
Profit (loss) to be appropriated9906€108k€694k▲
Social balance
Average headcount (FTE)908779.780.1▲
The notes to these accounts (62 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
11-09
State Gazette act
Statutes amendment · Resignations & appointments · MiscellaneousGeneral meeting · Name change · Director resignation51 facts ▸
State Gazette act
Statutes amendment · Resignations & appointments · Miscellaneous
General meeting · Name change · Director resignation51 facts ▸
- General meeting, 2021-02-04
- Name change, Caisse wallonne d'assurances sociales UCM
- Name change, Caisse d'assurances sociales UCM
- General meeting, 2024-02-01
- Director resignation, Arnaud Deplae (administrateur)
- General meeting, 2024-06-04
- Director reappointment, Emmanuel Provis (administrateur)
- Director reappointment, David Sienaert (administrateur)
- General meeting, 2025-06-05
- Director appointment, François Bersez (administrateur)
- Director reappointment, Marc Boerboom (administrateur)
- General meeting, 2026-02-05
- +39 further facts in this act
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €694k ▲542%
Operating result €306k, net result €694k, both a record.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €108k
Net result €108k after 5 loss-making years.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-1.08M
Net result drops to €-1.08M, the lowest in the series; recovery starts the following year.
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 38 days late
2019
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
13-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2026
This board is reconstructed from a single act (26361049). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Olivier Bialek
CurrentDirector · since 09-06-2026
Sébastien Legrain
CurrentChair · since 09-06-2026
Anne-Sophie Snyers
CurrentDirector · since 05-02-2026
François Collard
CurrentDirector · since 05-02-2026
Olivier Etienne
CurrentDirector · since 05-02-2026
François Bersez
CurrentDirector · since 13-11-2017
+ 9 not shown in this overview
09-06-2026
Olivier Bialek: Appointed as Director
09-06-2026
Sébastien Legrain: Appointed as Chair
09-06-2026
Sébastien Legrain: Appointed as Director
09-06-2026
LEPLAT Gérard: Resigned as Director
09-06-2026
Philippe LADURON: Resigned as Director
05-02-2026
Anne-Sophie Snyers: Appointed as Director
05-02-2026
François Collard: Appointed as Director
05-02-2026
Olivier Etienne: Appointed as Director
05-02-2026
Didier Hanin: Resigned as Director
05-02-2026
Marc Vilet: Resigned as Managing director
05-02-2026
Marc Vilet: Resigned as Director
05-02-2026
Michel THIRY: Resigned as Director
05-02-2026
Paul Van Dievoet: Resigned as Director
01-02-2024
Arnaud DEPLAE: Resigned as Director
13-11-2017
François Bersez: Appointed as Director
Location & real-estate footprint
Registered office, Namur · 6 establishment units since 1967
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Chaussée de Marche(WD) 6375100 NamurGround area
3.0 ha
Building footprint
6,178 m²
Volume, LiDAR
74,848 m³
5 parcels, Brussels, Wallonia · tallest building 36.5 m, ±11 floors. Linked by address, not a title deed.
6 establishment units
UCM - Libramont
since 19672.143.372.178
UCM - Mons
since 19672.143.372.277
UCM - Liège
since 19672.143.372.376
UCM - Bruxelles
since 19672.143.372.673
UCM - Wierde
since 19672.143.372.772
UCM - Verviers
since 20232.343.320.258
5 parcels
Wallonia
4
(80%)
Brussels
1
(20%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53404B0553/00Y000 | Wallonia | 1.4 ha | 1 · 2,919 m² | 17.6 m · 3 fl. |
| 92136A0143/00F006 | Wallonia | 1.1 ha | 1 · 1,103 m² | 15.6 m · 4 fl. |
| 21372C0122/00D000 | Brussels | 2,809 m² | 1 · 1,531 m² | 21.1 m · 5 fl. |
| 63573A0326/00D000 | Wallonia | 1,190 m² | 1 · 348 m² | 18.4 m · 5 fl. |
| 62803B0131/00B000 | Wallonia | 528 m² | 1 · 276 m² | 36.5 m · 11 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 4
5 of 5 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Statutory auditor
1 auditor| SINIOCurrent Auditor · represented by Guy Cremer | 04-02-2021 → present |
Structure & network
Connections & network
50 connected companiesLinked via shared directors
viaFabrice Oppitz · Director
→
viaLE BOULENGÉ Jean-Benoît · Director
→
viaLE BOULENGÉ Jean-Benoît · Managing director
→
viaDavid Sienaert · Director
→
Show 46 more companies with a shared director
viaFabrice Oppitz · Director
→
viaSébastien Legrain · Director
→
viaPROVIS Emmanuel · Director
→
viaMarc BOERBOOM · Director
→
viaOlivier Etienne · Director
→
viaLE BOULENGÉ Jean-Benoît · Director
→
viaLE BOULENGÉ Jean-Benoît · Director
→
viaDavid Sienaert · Director
→
viaLE BOULENGÉ Jean-Benoît · Director
→
viaLE BOULENGÉ Jean-Benoît · Managing director
→
viaDavid Sienaert · Director
→
viaFrançois Collard · Director
→
viaDavid Sienaert · Director
→
viaFabrice Oppitz · Director
→
viaMarc BOERBOOM · Director
→
viaFrançois Collard · Director
→
viaDavid Sienaert · Director
→
viaFabrice Oppitz · Director
→
viaOlivier Bialek · Director
→
viaSébastien Legrain · Director
→
viaCÉOLA Fabrice · Director
→
viaOlivier Bialek · Director
→
viaSébastien Legrain · Director
→
viaMarc BOERBOOM · Director
→
viaOlivier Etienne · Chair
→
viaDavid Sienaert · Director
→
viaFabrice Oppitz · Chair
→
viaSébastien Legrain · Director
→
viaFrançois Collard · Chair
→
viaLE BOULENGÉ Jean-Benoît · Director
→
viaDavid Sienaert · Chief strategy officer
→
viaFabrice Oppitz · Director
→
viaSébastien Legrain · Vice président
→
viaCÉOLA Fabrice · Director
→
viaLE BOULENGÉ Jean-Benoît · Director
→
viaDavid Sienaert · Director
→
viaFabrice Oppitz · Director
→
viaSébastien Legrain · Administrateur et membre associé
→
viaPROVIS Emmanuel · Director
→
viaMarc BOERBOOM · Director
→
viaOlivier Etienne · Director
→
viaFabrice Oppitz · Director
former→
viaFabrice Oppitz · Director
former→
viaCÉOLA Fabrice · Director
former→
viaCÉOLA Fabrice · Director
former→
viaLE BOULENGÉ Jean-Benoît · Managing director
former→
Recognitions · licences · registrations
Legal Entity Identifier
98450053REC53C74DE86
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Of 102 companies in sector 84309 we hold annual accounts for 41. 27 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded24-11-1967
Fiscal year end31-12
Abbreviation FR
Caisse d'assurances sociales UCM
Activities, NACEBEL
84309Public administration and defence; compulsory social security
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.