UCM GUICHET D'ENTREPRISES AGREE
ActiveSummary
UCM GUICHET D'ENTREPRISES AGREE has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €66k and a net result of €16k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 6% of 273 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-1
Solvency30▲+3
Growth54▲+2
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.13 in 2024; short-term debt: 88.2% and cash: 15.1% of total assets), and 95.3% of the assets are financed with debt.
Credit check 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 94
Relative position
BE, all sectors
reference
Sector 94
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 2025Solvency, return and age of the figures
Solvency
4.7%
Return on assets
1.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 273 sector peers (2025).
NBB · sector comparisonPosition among 273 sector peers
Solvency
better than 6%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €66k
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
50 d early
2023
28 d early
2022
32 d early
2021
24 d early
2020
25 d early
2019
45 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€2.91M▲ 10.7%
2024 · €2.63M
2018: €2.24M
2019: €2.26M
2020: €2.21M
2021: €2.37M
2022: €2.42M
2023: €2.44M
2024: €2.63M
2018 → 2025
EBIT margin
0.8%▼ 1.1pp
2024 · 1.9%
2018: 2.0%
2019: 3.7%
2020: -6.5%
2021: -3.1%
2022: 0.6%
2023: 0.4%
2024: 1.9%
2018 → 2025
Net result
€16k▼ 54.6%
2024 · €36k
2018: €14k
2019: €10k
2020: €-179k
2021: €-109k
2022: €713
2023: €195
2024: €36k
2018 → 2025
Working capital
€167k▼ 39.2%
2024 · €274k
2018: €778k
2019: €606k
2020: €408k
2021: €325k
2022: €256k
2023: €233k
2024: €274k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.37M-€2.42M▲ 2.3%€2.44M▲ 0.7%€2.63M▲ 7.8%€2.91M▲ 10.7%
Equity€13k-€14k▲ 5.4%€14k▲ 1.4%€50k▲ 251%€66k▲ 32.5%
Operating result€-73k-€15k€10k▼ 31.0%€49k▲ 389%€23k▼ 52.6%
Net result€-109k-€713€195▼ 72.6%€36k▲ 18,132%€16k▼ 54.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 53% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.41M
Fixed assets
€431 ▼ 57.7%
Current assets
€1.41M ▼ 40.2%
Equity and liabilities €1.41M
Equity
€66k ▲ 32.5%
Debt
€1.35M ▼ 41.7%
Debt's share of the balance-sheet total falls from 97.9% to 95.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€24k▼
2024 · €50k
Cash flow
€17k▼
2024 · €37k
Current ratio
1.13▲
2024 · 1.13
Debt to equity
20.46▼
2024 · 46.51
ROE
24.5%▼
2024 · 71.5%
ROA
1.1%▼
2024 · 1.5%
Interest coverage
9.31▲
2024 · 7.17
Debt ≤ 1 year
€1.25M▼
2024 · €2.09M
Income taxes
€5k▼
2024 · €6k
Staff costs
€15k▲
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.37M€1.41M▼
Fixed assets21/28€1k€431▼
Tangible fixed assets22/27€589€0▼
Land and buildings22€589€0▼
Furniture and vehicles24€0-
Financial fixed assets28€431€431=
Other financial fixed assets284/8€431€431=
Amounts receivable and cash guarantees285/8€431€431=
Current assets29/58€2.36M€1.41M▼
Amounts receivable after more than one year29€244k€235k▼
Other amounts receivable291€244k€235k▼
Amounts receivable within one year40/41€1.12M€652k▼
Trade receivables40€454k€313k▼
Other amounts receivable41€668k€339k▼
Cash at bank and in hand54/58€198k€214k▲
Deferred charges and accrued income490/1€800k€314k▼
Equity and liabilities
Total equity and liabilities10/49€2.37M€1.41M▼
Equity10/15€50k€66k▲
Contributions10/11€30k€30k=
Capital10€30k€30k=
Profit (loss) carried forward14€20k€36k▲
Amounts payable17/49€2.32M€1.35M▼
Amounts payable within one year42/48€2.09M€1.25M▼
Current portion of amounts payable after more than one year42€70k-
Trade debts44€1.81M€1.11M▼
Suppliers440/4€1.81M€1.11M▼
Advances received on contracts in progress46€173k€90k▼
Taxes, remuneration and social security45€1k€16k▲
Taxes450/3€1k€16k▲
Accrued charges and deferred income492/3€225k€101k▼
Income statement
Code20242025
Operating income70/76A€4.31M€4.55M▲
Turnover70€2.63M€2.91M▲
Other operating income74€380k€356k▼
Non-recurring operating income76A€108€102k▲
Operating charges60/66A€4.26M€4.53M▲
Services and other goods61€4.22M€4.47M▲
Remuneration, social security and pensions62€12k€15k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€589▼
Other operating charges640/8€26k€33k▲
Non-recurring operating charges66A€6k€7k▲
Operating profit (loss)9901€49k€23k▼
Financial income75/76B€29€17▼
Recurring financial income75€29€17▼
Income from current assets751€29€17▼
Financial charges65/66B€7k€3k▼
Recurring financial charges65€7k€3k▼
Debt charges650€7k€3k▼
Profit (loss) for the period before taxes9903€42k€21k▼
Income taxes67/77€6k€5k▼
Taxes670/3€6k€5k▼
Profit (loss) for the period9904€36k€16k▼
Profit (loss) for the period to be appropriated9905€36k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€36k▲
Profit (loss) brought forward from the previous period14P€-16k€20k▲
The notes to these accounts (33 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-09
State Gazette act
Appointments: Jean-Benoît Le Boulengé, Olivier Bialek and Sébastien LegrainReappointments: Fabrice Oppitz, Fabrice Ceola and 5 others · Resignations: Gérard Leplat (director) and Philippe Laduron (director)29 facts ▸
State Gazette act
Appointments: Jean-Benoît Le Boulengé, Olivier Bialek and Sébastien Legrain
Reappointments: Fabrice Oppitz, Fabrice Ceola and 5 others · Resignations: Gérard Leplat (director) and Philippe Laduron (director)29 facts ▸
- General meeting, 04-06-2024
- Director appointment, Jean-Benoît Le Boulengé (director)
- General meeting, 09-06-2026
- Director appointment, Olivier Bialek (director)
- Director appointment, Sébastien Legrain (director)
- Director reappointment, Fabrice Oppitz (director)
- Director reappointment, Fabrice Ceola (director)
- Director reappointment, Rodolfo Gambini (director)
- Director reappointment, Jean-Michel Sturbois (director)
- Director reappointment, François Bersez (director)
- Director reappointment, David Sienaert (director)
- Auditor reappointment, Guy Cremer (commissaire aux comptes)
- +17 further facts in this act
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €36k ▲18132%
Net result €36k, the highest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €713
Net result €713 after 2 loss-making years.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-179k ▼1805%
Net result drops to €-179k, the lowest in the series; recovery starts the following year.
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 45 days late
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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 (26364112). 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
CurrentDirector · since 09-06-2026
LE BOULENGÉ Jean-Benoît
CurrentDirector · since 04-06-2024
CÉOLA Fabrice
CurrentDirector
David Sienaert
CurrentDirector
Fabrice Oppitz
CurrentDirector
3 other directors
François Bersez
CurrentDirector
Jean-Michel Sturbois
CurrentDirector
Rodolfo Gambini
CurrentDirector
09-06-2026
Olivier Bialek: Appointed as Director
09-06-2026
Sébastien Legrain: Appointed as Director
09-06-2026
LEPLAT Gérard: Resigned as Director
09-06-2026
Philippe LADURON: Resigned as Director
04-06-2024
LE BOULENGÉ Jean-Benoît: Appointed as Director
Location & real-estate footprint
Registered office, Namur
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(JB) 6375100 NamurGround area
1.1 ha
Building footprint
1,103 m²
Volume, LiDAR
13,155 m³
Parcel 92136A0143/00F006, Wallonia · tallest building 15.6 m, ±4 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92136A0143/00F006 | Wallonia | 1.1 ha | 1 · 1,103 m² | 15.6 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Statutory auditor
1 auditor| Guy CremerCurrent Commissaire aux comptes | 22-09-2026 → present |
Structure & network
Connections & network
18 connected companiesLinked via shared directors
via Fabrice Oppitz · Director
→
via LE BOULENGÉ Jean-Benoît · Director
→
via LE BOULENGÉ Jean-Benoît and David Sienaert · Director
→
via CÉOLA Fabrice, LE BOULENGÉ Jean-Benoît and 4 others · Director
→
Show 14 more companies with a shared director
via LE BOULENGÉ Jean-Benoît, David Sienaert and 2 others · Director
→
via LE BOULENGÉ Jean-Benoît · Director
→
via LE BOULENGÉ Jean-Benoît and David Sienaert · Director
→
via LE BOULENGÉ Jean-Benoît · Director
→
→
via CÉOLA Fabrice, LE BOULENGÉ Jean-Benoît and 2 others · Director
→
via CÉOLA Fabrice, LE BOULENGÉ Jean-Benoît and 4 others · Director
→
via David Sienaert, Fabrice Oppitz and 2 others · Director
→
→
→
via LE BOULENGÉ Jean-Benoît, David Sienaert and 2 others
→
via CÉOLA Fabrice, LE BOULENGÉ Jean-Benoît and 3 others
→
via Fabrice Oppitz · Director
former→
via Fabrice Oppitz · Director
former→
Similar companies · same sector, comparable size
Associatie van Interieurarchitecten van België - Association des Architectes d'Intérieur de Belgique
BE 0443.257.930
Brussel · Eq €67k
ASSOCIATION OF EUROPEAN PERFOMERS ORGANISATION ASBL A.E.P.O.
BE 0850.825.008
Brussel · Eq €68k
GLOBAL FORUM FORMEDIA DEVELOPMENT
BE 0837.611.925
Brussel · Eq €63k
Fédération Européenne des Académies de Médecine
BE 0455.764.396
Brussel · Eq €72k
Union Pharmaceutique des Arrondissements Judiciaire de Verviers et Eupen
BE 0407.633.689
Verviers · Eq €73k
Of 1,008 companies in sector 94120 we hold annual accounts for 350. 154 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded20-03-2003
Fiscal year end31-12
Abbreviation FR
UCM - GE
Activities, NACEBEL 2025
94120Activities of professional membership organisations
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.