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UCMI

Active
Private limited companyfounded 195175 years activeRue Natalis 47, 4020 Liège, BelgiumKBO/BCE: BE 0403.939.078
Summary

UCMI has been active since 1951 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €648,776 and a net result of -€16,471. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 66% of 11,027 sector peers (NACE 68, fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Overview

Activity
Renting and operating of own or leased non-residential real estate, excluding land
NACE 68203Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses NACE 47741
#6 oldest company in Liège, Real estate sector3 sites
Size
€1.3mtotal assets 2025
Staff
5 FTE
Equity
€648,776
Loss
-€16,471
Financial health
95 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Structure
Accounts 22 days early0 of 16 deeds read
Why 95+ Liquidity: current ratio 2.04, cash €301,997+ Founded in 1951+ Size: 5 FTE, total assets €1.3m+ Equity €648,776 (51.8% of total assets)Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 60% of its sector peers (NACE 68, micro)
Financial strength · tick = 2024
Strong
Solvency 77-2
equity 51.8% of total assets
Liquidity 74+30
short-term debt 19.3% · cash 24.1%
Profitability 67-2
return on assets -1.3%
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 0.2% (26,530 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.4%▲ +0.3 percentage points vs 07-2025 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026highest value 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.4%● unchanged vs 06-2026 08-2026: < 0.1%▼ -0.4 percentage points vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value
Credit up to €60,000 at 30 days acceptable
Liquidity ample (current ratio 2.04 against 1.77 in 2024; short-term debt: 19.3% and cash: 24.1% of total assets), and 48.2% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro): better than 66% on solvency, 83% on liquidity, 53% on profitability and 38% on growth.

The bankruptcy probability was computed on 07-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
−lowers risk○neutral
lowers risk · Liquidity: current ratio 2.04, cash €301,997
NBB · annual accounts
lowers risk · Founded in 1951
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
lowers risk · Size: 5 FTE, total assets €1.3m
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
lowers risk · Equity €648,776 (51.8% of total assets)
NBB · annual accounts
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
22 days early
2024
13 days early
2023
15 days early
2022
22 days late
2021
23 days early
2020
31 days late
2019
30 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 7 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

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. Usually files around 17 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
08-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Back to profitnet €3,879

Key points

  • Positive: Oldest company in Liège, Real estate sectorin the Checked rankings #6 View
  • Active since 1951founded 19-06-1951 75 years View
  • Total assets 20256 fiscal years filed €1.3m View

By topic

Financials

Fiscal year
2025
Total assets
€1.3m
Loss
-€16,471
Solvency
51.8%
Total assets▲ 0.7%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 16-07-2024Annual accounts filed
  2. 31-12-2023Weakest financial year
  3. 22-08-2023Annual accounts filed
Go to Timeline

Company details

Sites
3
Legal form
Private limited company
Activity
Renting and operating of own or leased non-residential…NACE 68203
Founded
19-06-1951
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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