Union des Classes Moyennes de la Province de Luxembourg

Active

Non-profit associationfounded 196858 yrs activeRue de l'Hydrion 113, 6700 Arlon, BelgiumKBO/BCE: BE 0410.162.124

Summary

Union des Classes Moyennes de la Province de Luxembourg has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87,234 and a net result of -€18,705. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 55% of 488 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

Union des Classes Moyennes de la Province de LuxembourgActiveChecked score 92/100

Risk analysis Report Compare

Activity

Activities of business and employers' organisations

NACE 94110Libraries, archives, museums and other cultural activities NACE 91110

#1 oldest company in Arlon, Other services sector1 site

Size

€125,216total assets 2025

Equity: €87,234
Loss: -€18,705

Turnover not published (abridged schema)

Financial health

92 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Board: 12 members

Accounts 8 d early1 of 10 deeds read

Why 92- Loss of €18,705 (FY 2025)+ Legal form Non-profit association+ Liquidity: current ratio 9.14, cash €103,430+ Sector Activities of membership organisations (NACE 94)Show the evidence

Checked score

Score 2025

92 / 100

Excellent

Probability in this band: under 0.55%

Better than 39% of its sector peers (NACE 94, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 95-2

equity 69.7% of total assets

Liquidity 99=

short-term debt 10.9% · cash 82.6%

Profitability 0-34

return on assets -14.9%

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 < 0.1% (1,216 companies)

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%▲ +25.0% vs 11-2024 01-2025: < 0.1%▲ +50.0% vs 12-2024highest value 02-2025: < 0.1%● 0.0% vs 01-2025highest value 03-2025: < 0.1%● 0.0% vs 02-2025highest value 04-2025: < 0.1%● 0.0% vs 03-2025highest value 05-2025: < 0.1%● 0.0% vs 04-2025highest value 06-2025: < 0.1%● 0.0% vs 05-2025highest value 07-2025: < 0.1%● 0.0% vs 06-2025highest value 08-2025: < 0.1%● 0.0% vs 07-2025highest value 09-2025: < 0.1%● 0.0% vs 08-2025highest value 10-2025: < 0.1%▼ -73.3% vs 09-2025lowest value 11-2025: < 0.1%● 0.0% vs 10-2025lowest value 12-2025: < 0.1%● 0.0% vs 11-2025lowest value 01-2026: < 0.1%● 0.0% vs 12-2025lowest value 02-2026: < 0.1%● 0.0% vs 01-2026lowest value 03-2026: < 0.1%● 0.0% 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%▲ +25.0% vs 06-2026 08-2026: < 0.1%▲ +40.0% vs 07-2026 09-2026: < 0.1%● 0.0% vs 08-2026 10-2026: < 0.1%● 0.0% vs 09-2026

Legal form Non-profit association lowers the probability
Loss of €18,705 (FY 2025) raises the probability
Liquidity: current ratio 9.14, cash €103,430 lowers the probability
Sector Activities of membership organisations (NACE 94) lowers the probability

Credit up to €8,000 at 30 days acceptable

Liquidity ample (current ratio 9.14 against 8.21 in 2024; short-term debt: 10.9% and cash: 82.6% of total assets), and 30.3% 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 94, micro). Better than this share of them on solvency 52%, liquidity 83%, profitability 10%, growth against the median 12%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. 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.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Legal form Non-profit association

In the bankruptcy model this factor lowers the probability.

KBO

Loss of €18,705 (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Liquidity: current ratio 9.14, cash €103,430

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Sector Activities of membership organisations (NACE 94)

In the bankruptcy model this factor lowers the probability.

KBO

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

8 d early

2024

29 d late

2022

11 d early

2021

5 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 1 day after the deadline; the sector median for financial year 2024 is 29 days before the deadline, and 25% of the sector filed late.

Checked, nothing found (2)

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 25 July (3 of the last 4 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

05-10-2026 today31-12-2026 close31-07-2027 deadline

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

23-07-26 Annual accounts filedfiscal year 2025 · micro…
19-03-26 Reappointments: Pierre ADAM, Philippe BOUILLON and…Appointments: Pierre ADAM, Philippe BOUILLON…
31-12-25 Weakest financial yearnet -€18,705

Key points

Positive: Oldest company in Arlon, Other services sectorin the Checked rankings #1 View
New directorslatest change 19-03-2026 · 12 in office 11 joined View
Active since 1968founded 07-09-1968 58 years View