UCM SERVICES
ActiveUCM SERVICES has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €90k and a net result of €13k. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 18% of 1201 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability40▲+1
Solvency31▼-3
Growth52▲+9
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.46 against 3.75 in 2023; short-term debt: 68.5% and cash: 36.8% of total assets), and 93.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 82
Relative position
BE, all sectors
reference
Sector 82
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 1201 sector peers (2024).
NBB · sector comparisonPosition among 1201 sector peers
Solvency
better than 18%
← weakest
strongest →
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
53 d early
2021
37 d early
2020
33 d early
2019
41 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€9k▼ 66.5%
2023 · €28k
2018: €38k
2019: €34k
2020: €82k
2021: €71k
2022: €75k
2023: €28k
2018 → 2024
EBIT margin
143.0%▲ 124.0pp
2023 · 19.0%
2018: 12.4%
2019: -57.6%
2020: 18.1%
2021: -13.2%
2022: 18.7%
2023: 19.0%
2018 → 2024
Net result
€13k▲ 159%
2023 · €5k
2018: €2k
2019: €-30k
2020: €15k
2021: €-10k
2022: €14k
2023: €5k
2018 → 2024
Working capital
€441k▼ 28.1%
2023 · €613k
2018: €84k
2019: €54k
2020: €69k
2021: €60k
2022: €74k
2023: €613k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€82k-€71k▼ 13.6%€75k▲ 5.8%€28k▼ 63.0%€9k▼ 66.5%
Equity€68k-€58k▼ 14.0%€72k▲ 23.8%€77k▲ 6.7%€90k▲ 16.3%
Operating result€15k-€-9k€14k€5k▼ 62.4%€13k▲ 153%
Net result€15k-€-10k€14k€5k▼ 65.1%€13k▲ 159%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 153% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.40M
Fixed assets
€12=
Current assets
€1.40M▲ 67.7%
Equity and liabilities €1.40M
Equity
€90k▲ 16.3%
Debt
€1.31M▲ 72.9%
The debt ratio rises from 90.8% to 93.6%. Equity and debt are higher.
Key figures and ratios
Solvency
6.4%▼
2023 · 9.2%
Current ratio
1.46▼
2023 · 3.75
Quick ratio
1.46▼
2023 · 3.75
Debt / equity
14.66▲
2023 · 9.86
ROE
14.0%▲
2023 · 6.3%
ROA
0.9%▲
2023 · 0.6%
Debt
€1.31M▲
2023 · €759k
Debt ≤ 1 year
€961k▲
2023 · €223k
Income taxes
€0
Staff costs
€1.24M▲
2023 · €1.23M
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€836k€1.40M▲
Fixed assets21/28€12€12=
Financial fixed assets28€12€12=
Current assets29/58€836k€1.40M▲
Amounts receivable within one year40/41€57k€41k▼
Trade receivables40€57k€40k▼
Other amounts receivable41-€5
Cash at bank and in hand54/58€99k€516k▲
Deferred charges and accrued income490/1€680k€846k▲
Equity and liabilities
Total equity and liabilities10/49€836k€1.40M▲
Equity10/15€77k€90k▲
Contributions10/11€20k€20k=
Capital10€20k€20k=
Profit (loss) carried forward14€58k€70k▲
Amounts payable17/49€759k€1.31M▲
Amounts payable after more than one year17€535k-
Financial debts170/4€535k-
Amounts payable within one year42/48€223k€961k▲
Trade debts44€95k€85k▼
Suppliers440/4€95k€85k▼
Taxes, remuneration and social security45€124k€155k▲
Taxes450/3€4k€7k▲
Remuneration and social security454/9€120k€148k▲
Accrued charges and deferred income492/3€1k€352k▲
Income statement
Code20232024
Turnover70€28k€9k▼
Non-recurring operating income76A€2k€3k▲
Goods, raw materials, services and sundry goods60/61€137k€169k▲
Remuneration, social security and pensions62€1.23M€1.24M▲
Other operating charges640/8€431€352k▲
Non-recurring operating charges66A€11k€25k▲
Gross operating margin9900€1.24M€1.63M▲
Operating profit (loss)9901€5k€13k▲
Financial charges65/66B€426€770▲
Recurring financial charges65€426€770▲
Profit (loss) for the period before taxes9903€5k€13k▲
Income taxes67/77-€0
Profit (loss) for the period9904€5k€13k▲
Profit (loss) for the period to be appropriated9905€5k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€58k€70k▲
Profit (loss) brought forward from the previous period14P€53k€58k▲
Social balance
Average headcount (FTE)908713.714.0▲
The notes to these accounts (8 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 & appointmentsGeneral meeting · Name change · Director appointment11 facts ▸
State Gazette act
Statutes amendment · Resignations & appointments
General meeting · Name change · Director appointment11 facts ▸
- General meeting, 2026-06-09
- General meeting, 2022-02-01
- Name change
- Director appointment, David Sienaert (administrateur)
- Director appointment, Sébastien Legrain (administrateur)
- Director appointment, Fabrice Oppitz (administrateur)
- Director reappointment, Anne-Sophie Snyers (administrateur)
- Director reappointment, Pierre Nyst (administrateur)
- Board meeting, 2026-06-09
- Director appointment, Fabrice Oppitz (président)
- Director resignation, Rodolphe Gambini (président)
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Liquidity doublescurrent ratio 3.75
Current ratio from 1.85 to 3.75.
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 41 days late
2019
31-12
Financial
Weakest financial yearnet €-30k ▼1758%
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
2016
20-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
2015
07-10
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 68 days late
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 (26360951). 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.
Fabrice Oppitz
CurrentChair · since 09-06-2026
Sébastien Legrain
CurrentDirector · since 09-06-2026
David Sienaert
CurrentDirector · since 01-02-2022
Anne-Sophie Snyers
CurrentDirector
Pierre Nyst
CurrentDirector
09-06-2026
Fabrice Oppitz: Appointed as Chair
09-06-2026
Fabrice Oppitz: Appointed as Director
09-06-2026
Sébastien Legrain: Appointed as Director
09-06-2026
Rodolphe Gambini: Resigned as Chair
01-02-2022
David Sienaert: Appointed as Director
Location & real-estate footprint
Registered office, Namur · 6 establishment units since 2006
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
3.5 ha
Building footprint
7,720 m²
Volume, LiDAR
73,821 m³
6 parcels, Brussels, Wallonia · tallest building 36.5 m, ±11 floors. Linked by address, not a title deed.
6 establishment units
Asbl PME - SERVICE - C.D.T.
since 20062.151.799.104
UCM SERVICES - Evere
since 20222.338.109.081
UCM SERVICES - Liège
since 20232.338.109.279
UCM SERVICES - Louvain-la-Neuve
since 20232.338.109.675
UCM SERVICES - La Louvière
since 20232.338.109.873
UCM SERVICES - Mons
since 20232.338.110.071
6 parcels
Wallonia
5
(83.3%)
Brussels
1
(16.7%)
| 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. |
| 25385B0001/03F000 | Wallonia | 5,453 m² | 1 · 1,545 m² | - |
| 21372C0122/00D000 | Brussels | 2,809 m² | 1 · 1,531 m² | 21.1 m · 5 fl. |
| 55022A0407/00X004 | Wallonia | 1,581 m² | 1 · 344 m² | 14.3 m · 4 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: 5
6 of 6 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
23 connected companiesLinked via shared directors
viaFabrice Oppitz · Director
→
viaDavid Sienaert · Director
→
viaFabrice Oppitz · Director
→
viaSébastien Legrain · Chair
→
Show 19 more companies with a shared director
viaDavid Sienaert · Director
→
viaFabrice Oppitz · Director
→
viaSébastien Legrain · Director
→
viaDavid Sienaert · Director
→
viaDavid Sienaert · Director
→
viaDavid Sienaert · Director
→
viaFabrice Oppitz · Director
→
viaDavid Sienaert · Director
→
viaFabrice Oppitz · Director
→
viaSébastien Legrain · Director
→
viaSébastien Legrain · Director
→
viaDavid Sienaert · Chief strategy officer
→
viaFabrice Oppitz · Director
→
viaSébastien Legrain · Vice président
→
viaDavid Sienaert · Director
→
viaFabrice Oppitz · Director
→
viaSébastien Legrain · Administrateur et membre associé
→
viaFabrice Oppitz · Director
former→
viaFabrice Oppitz · Director
former→
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,404. 7,183 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded25-02-2003
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.