Add UP architect
ActiveAdd UP architect has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €-4k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 47% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▼-4
Solvency77▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.54 against 2.1 in 2024; short-term debt: 38.4% and cash: 55.8% of total assets), and 48.5% 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 71
Relative position
BE, all sectors
reference
Sector 71
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.5%
Return on assets
-5.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-4k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
29 d late
2022
25 d late
2021
3 d early
2020
24 d late
2019
49 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, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-4k▼ 53.4%
2024 · €-3k
2018: €-7k
2019: €21k
2020: €12k
2021: €-1k
2022: €574
2023: €3k
2024: €-3k
2018 → 2025
Working capital
€41k▼ 7.5%
2024 · €44k
2018: €29k
2019: €45k
2020: €60k
2021: €59k
2022: €60k
2023: €46k
2024: €44k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€53k▲ 1.1%€43k▼ 20.4%€40k▼ 6.3%€36k▼ 10.3%
Operating result€-1k-€1k€5k▲ 294%€-2k€-4k▼ 57.1%
Net result€-1k-€574€3k▲ 443%€-3k€-4k▼ 53.4%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €2k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €69k
Fixed assets
€2k▼ 30.5%
Current assets
€68k▼ 20.2%
Equity and liabilities €69k
Equity
€36k▼ 10.3%
Debt
€34k▼ 29.1%
The debt ratio falls from 54.3% to 48.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-3k▼
2024 · €-2k
Cash flow
€-3k▼
2024 · €-2k
Solvency
51.5%▲
2024 · 45.7%
Current ratio
2.54▲
2024 · 2.10
Quick ratio
2.54▲
2024 · 2.10
Debt / equity
0.94▼
2024 · 1.19
ROE
-11.5%▼
2024 · -6.7%
ROA
-5.9%▼
2024 · -3.1%
Interest coverage
-70.70▼
2024 · -15.02
Debt
€34k▼
2024 · €47k
Debt ≤ 1 year
€27k▼
2024 · €40k
Debt > 1 year
€7k=
2024 · €7k
Income taxes
€210▲
2024 · €122
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€87k€69k▼
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€183€46▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€85k€68k▼
Amounts receivable within one year40/41€41k€28k▼
Trade receivables40€36k€22k▼
Other amounts receivable41€4k€6k▲
Cash at bank and in hand54/58€43k€39k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€87k€69k▼
Equity10/15€40k€36k▼
Contributions10/11€12k€12k=
Reserves13€31k€31k=
Distributable reserves133€31k€31k=
Profit (loss) carried forward14€-4k€-8k▼
Amounts payable17/49€47k€34k▼
Amounts payable after more than one year17€7k€7k=
Other amounts payable178/9€7k€7k=
Amounts payable within one year42/48€40k€27k▼
Trade debts44€9k€1k▼
Suppliers440/4€9k€1k▼
Taxes, remuneration and social security45€18k€12k▼
Taxes450/3€4k€578▼
Remuneration and social security454/9€14k€12k▼
Other amounts payable47/48€14k€13k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€926€777▼
Other operating charges640/8€955€924▼
Gross operating margin9900€-577€-2k▼
Operating profit (loss)9901€-2k€-4k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€102€44▼
Recurring financial charges65€102€44▼
Profit (loss) for the period before taxes9903€-3k€-4k▼
Income taxes67/77€122€210▲
Profit (loss) for the period9904€-3k€-4k▼
Profit (loss) for the period to be appropriated9905€-3k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-8k▼
Profit (loss) brought forward from the previous period14P€-840€-4k▼
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Back to profitnet €574
Net result €574 after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 24 days late
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 49 days late
2019
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Namur · 1 establishment unit since 2013
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.
Rue Saint-Calixte(JB) 205100 NamurGround area
533 m²
Building footprint
113 m²
Volume, LiDAR
886 m³
Parcel 92322G0191/00A000, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Saint-Calixte(JB) 20, 5100 Namur
since 20132.216.866.209
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92322G0191/00A000 | Wallonia | 533 m² | 1 · 113 m² | 10.4 m · 3 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.
Similar companies · same sector, comparable size
MO-zaïek
BE 1011.005.462
Lier · Eq €36k
IADF
BE 0642.635.886
Leuven · Eq €36k
ARCHITECT POL PETERS
BE 0475.371.561
Dilsen-Stokkem · Eq €36k
LEEV-ARCHITECTUUR
BE 0681.470.827
Turnhout · Eq €36k
PATERNOTTE & VANBRABANT
BE 0794.816.020
Sint-Truiden · Eq €36k
Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,088 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-02-2013
Fiscal year end31-12
Abbreviation FR
Add UP
Activities, NACEBEL
71111Activities of building architects
71121Engineering and related technical consultancy, excluding land surveyors
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.