UCM Groupe Social et Economique
ActiveUCM Groupe Social et Economique has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.79M and a net result of €0. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69=
Solvency41▲+1
Growth65=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 1.66 against 1.66 in 2024; short-term debt: 44.1% and cash: 19.5% of total assets), but 83.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Ten 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
16.2%
Return on assets
0%
Age of the figures
9 mo
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 19% of 8663 sector peers (2025).
NBB · sector comparisonPosition among 8663 sector peers
Solvency
better than 19%
← weakest
strongest →
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
36 d early
2023
29 d early
2022
25 d early
2021
27 d early
2020
37 d early
2019
45 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.79M=
2024 · €1.79M
2018: €22k
2019: €22k
2020: €22k
2021: €22k
2022: €22k
2023: €1.79M
2024: €1.79M
2018 → 2025
Total assets
€11.04M▼ 5.4%
2024 · €11.67M
2018: €5.44M
2019: €5.84M
2020: €6.68M
2021: €7.11M
2022: €8.15M
2023: €7.95M
2024: €11.67M
2018 → 2025
Net result
€0
2024 · €0
2019: €0
2020: €0
2021: €0
2022: €0
2023: €0
2024: €0
2019 → 2025
Working capital
€3.21M▼ 10.4%
2024 · €3.58M
2018: €-905k
2019: €-1.18M
2020: €1.14M
2021: €1.94M
2022: €1.31M
2023: €1.06M
2024: €3.58M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€22k=€1.79M▲ 7,971%€1.79M=€1.79M=
Operating result€49k-€51k▲ 2.7%€69k▲ 35.9%€74k▲ 7.6%€44k▼ 40.9%
Net result€0-€0€0€0€0
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 41% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.04M
Fixed assets
€2.96M▲ 11.6%
Current assets
€8.08M▼ 10.4%
Equity and liabilities €11.04M
Equity
€1.79M=
Provisions
€13k▲ 9.7%
Debt
€9.23M▼ 6.4%
The debt ratio falls from 84.6% to 83.7%. Debt is lower.
Key figures and ratios
EBITDA
€443k▲
2024 · €392k
Cash flow
€399k▲
2024 · €318k
Solvency
16.2%▲
2024 · 15.3%
Current ratio
1.66=
2024 · 1.66
Quick ratio
1.66=
2024 · 1.66
Debt / equity
5.16▼
2024 · 5.52
ROE
0.0%=
2024 · 0.0%
ROA
0.0%=
2024 · 0.0%
Interest coverage
22.86▲
2024 · 18.39
Debt
€9.23M▼
2024 · €9.87M
Debt ≤ 1 year
€4.87M▼
2024 · €5.44M
Debt > 1 year
€4.36M▼
2024 · €4.43M
Income taxes
€44k▼
2024 · €74k
Staff costs
€22.36M▲
2024 · €21.29M
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€11.67M€11.04M▼
Fixed assets21/28€2.65M€2.96M▲
Intangible fixed assets21€499k€508k▲
Tangible fixed assets22/27€2.09M€2.42M▲
Land and buildings22€1.60M€1.70M▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€370k€365k▼
Assets under construction and advance payments27€114k€353k▲
Financial fixed assets28€58k€27k▼
Other financial fixed assets284/8€58k€27k▼
Amounts receivable and cash guarantees285/8€58k€27k▼
Current assets29/58€9.02M€8.08M▼
Amounts receivable within one year40/41€7.26M€5.81M▼
Trade receivables40€7.24M€5.79M▼
Other amounts receivable41€17k€21k▲
Current investments50/53€12k€13k▲
Cash at bank and in hand54/58€1.61M€2.16M▲
Deferred charges and accrued income490/1€142k€95k▼
Equity and liabilities
Total equity and liabilities10/49€11.67M€11.04M▼
Equity10/15€1.79M€1.79M=
Contributions10/11€1.79M€1.79M=
Capital10€1.79M€1.79M=
Reserves13-€0
Profit (loss) carried forward14€0€0▼
Provisions and deferred taxes16€12k€13k▲
Provisions for liabilities and charges160/5€12k€13k▲
Other liabilities and charges164/5€12k€13k▲
Amounts payable17/49€9.87M€9.23M▼
Amounts payable after more than one year17€4.43M€4.36M▼
Financial debts170/4€4.43M€4.36M▼
Credit institutions173€426k€364k▼
Other loans174€4.00M€4.00M=
Amounts payable within one year42/48€5.44M€4.87M▼
Current portion of amounts payable after more than one year42€62k€62k=
Trade debts44€1.39M€811k▼
Suppliers440/4€1.39M€811k▼
Taxes, remuneration and social security45€3.99M€4.00M▲
Taxes450/3€1.17M€1.10M▼
Remuneration and social security454/9€2.81M€2.90M▲
Accrued charges and deferred income492/3€4k€0▼
Income statement
Code20242025
Operating income70/76A€29.27M€30.61M▲
Other operating income74€29.27M€30.59M▲
Non-recurring operating income76A-€19k
Operating charges60/66A€29.20M€30.57M▲
Services and other goods61€6.74M€6.90M▲
Remuneration, social security and pensions62€21.29M€22.36M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€318k€399k▲
Other operating charges640/8€832k€893k▲
Non-recurring operating charges66A€3k€16k▲
Operating profit (loss)9901€74k€44k▼
Financial income75/76B€307k€546k▲
Recurring financial income75€307k€546k▲
Income from financial fixed assets750€21k€19k▼
Income from current assets751€278k€519k▲
Other financial income752/9€8k€8k▼
Financial charges65/66B€307k€546k▲
Recurring financial charges65€307k€546k▲
Debt charges650€21k€19k▼
Other financial charges652/9€286k€526k▲
Profit (loss) for the period before taxes9903€74k€44k▼
Income taxes67/77€74k€44k▼
Taxes670/3€74k€44k▼
Profit (loss) for the period9904€0€0=
Profit (loss) for the period to be appropriated9905€0€0=
Appropriation of the result
Profit (loss) to be appropriated9906€0€0=
Profit (loss) brought forward from the previous period14P-€0
To contributions691-€0
Social balance
Average headcount (FTE)9087275.0286.0▲
The notes to these accounts (79 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
18-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment · Director reappointment9 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment · Director reappointment9 facts ▸
- General meeting, 2026-06-09
- Director appointment, Olivier Bialek (administrateur)
- Director appointment, Sébastien Legrain (administrateur)
- Director reappointment, François Collard (administrateur)
- Director reappointment, Fabrice Oppitz (administrateur)
- Director reappointment, François Bersez (administrateur)
- Director reappointment, David Sienaert (administrateur)
- Director resignation, Gérard Leplat (administrateur)
- Director resignation, Philippe Laduron (administrateur)
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €1MEq €1.79M ▲7971%
Equity rises from €22k to €1.79M.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €0
Net result drops to €0, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 45 days late
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
12-07
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 (26353765). 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
David Sienaert
CurrentDirector
Fabrice Oppitz
CurrentDirector
François Bersez
CurrentDirector
François Collard
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
05-09-2022
Julie Paternotte: Resigned as Director
26-03-2021
Philippe LEDENT: Resigned as Director
21-09-2020
Philippe PUISSANT: Resigned as Director
31-03-2020
LEPLAT Gérard: Resigned as Director
Location & real-estate footprint
Registered office, Namur · 16 establishment units since 2012
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
5.2 ha
Building footprint
1.2 ha
Volume, LiDAR
122,183 m³
13 parcels, Brussels, Wallonia · tallest building 36.5 m, ±11 floors. Linked by address, not a title deed.
16 establishment units
UCM Wierde
since 20122.204.767.339
UCM La Louvière
since 20122.205.310.044
UCM Nivelles
since 20122.205.310.242
UCM Charleroi
since 20122.205.310.341
UCM Mons
since 20122.205.310.539
UCM Tournai
since 20122.205.310.638
Show 10 more locations
UCM Bruxelles
since 20122.205.310.836
UCM Louvain-la-Neuve
since 20122.205.311.331
UCM Arlon
since 20122.205.311.529
UCM Philippeville
since 20122.205.312.024
UCM Libramont
since 20122.205.312.321
GSE UCM Groupe Social Economique - Bruxelles
since 20152.246.933.833
GSE UCM Groupe Social Economique - Huy
since 20192.285.654.748
GSE UCM Groupe Social Economique - Liège 1
since 20192.285.655.243
GSE UCM Groupe Social Economique - Verviers
since 20192.285.656.629
GSE UCM Groupe Social Economique - Saint Vith
since 20192.285.658.213
13 parcels
Wallonia
11
(84.6%)
Brussels
2
(15.4%)
| 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. |
| 25099D0046/00P000 | Wallonia | 6,499 m² | 1 · 1,434 m² | 7.5 m · 2 fl. |
| 25385B0001/03F000 | Wallonia | 5,453 m² | 1 · 1,545 m² | - |
| 57463L0182/00D002 | Wallonia | 2,864 m² | 1 · 94 m² | 8.1 m · 2 fl. |
| 21372C0122/00D000 | Brussels | 2,809 m² | 1 · 1,531 m² | 21.1 m · 5 fl. |
| 52011B0239/00F177 | Wallonia | 2,193 m² | 1 · 1,807 m² | 20.5 m · 5 fl. |
| 81001A1840/00R019indicative | Wallonia | 1,831 m² | 1 · 329 m² | - |
| 55022A0407/00X004 | Wallonia | 1,581 m² | 1 · 344 m² | 14.3 m · 4 fl. |
| 93056B0412/00W000 | Wallonia | 1,363 m² | 1 · 198 m² | - |
| 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. |
| 21807G0180/00P004 | Brussels | 420 m² | 1 · 419 m² | 26.2 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 12
12 of 13 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
28 connected companiesLinked via shared directors
viaFabrice Oppitz · Director
→
viaFrançois Collard · Director
→
viaDavid Sienaert · Director
→
viaFabrice Oppitz · Director
→
Show 24 more companies with a shared director
viaOlivier Bialek · Director
→
viaSébastien Legrain · Chair
→
viaDavid Sienaert · Director
→
viaFabrice Oppitz · Director
→
viaSébastien Legrain · Director
→
viaDavid Sienaert · Director
→
viaDavid Sienaert · Director
→
viaFrançois Collard · Director
→
viaDavid Sienaert · Director
→
viaFabrice Oppitz · Director
→
viaOlivier Bialek · Director
→
viaSébastien Legrain · Director
→
viaDavid Sienaert · Director
→
viaFabrice Oppitz · Chair
→
viaSébastien Legrain · Director
→
viaFrançois Collard · Chair
→
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→
Acquisitions and mergers
2 transactionsReceived a contribution from:UNION DES CLASSES MOYENNES DE LA PROVINCE DE LIEGE
Received a contribution from:UNION DES CLASSES MOYENNES DE LA PROVINCE DE NAMUR
Recognitions · licences · registrations
Legal Entity Identifier
98450063F666L570FD27
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Of 5,700 companies in sector 70100 we hold annual accounts for 3,495. 1,656 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded27-10-2011
Fiscal year end31-12
Abbreviation FR
UCM GSE
Activities, NACEBEL
70100Activities of head offices
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.