CollectiveUP
ActiveSummary
CollectiveUP has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40k and a net result of €30k. Equity is growing by ~12.9% per year across the filed fiscal years. Its solvency ranks better than 20% of 1906 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability83▲+14
Solvency40▼-5
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.18 against 12.26 in 2024; short-term debt: 44% and cash: 46.8% of total assets), but 85% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
about 52% fewer bankruptcies
← 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
15%
Return on assets
11.2%
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 20% of 1906 sector peers (2025).
NBB · sector comparisonPosition among 1906 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-09-2026, 49 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 · 5 filingsDeviation from the deadline
2025
49 d late
2024
29 d late
2023
23 d late
2022
6 d early
2021
54 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€40k▼ 59.8%
2024 · €99k
Total assets
€265k▼ 47.0%
2024 · €501k
Net result
€30k▲ 13,066%
2024 · €227
Working capital
€138k▼ 69.0%
2024 · €445k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€23k-€702▼ 96.9%€94k▲ 13,249%€3k▼ 97.2%€45k▲ 1,600%
Net result€17k-€-1k€73k€227▼ 99.7%€30k▲ 13,066%
Equity€27k-€26k▼ 4.4%€99k▲ 283%€99k▲ 0.2%€40k▼ 59.8%
Total assets€55k-€77k▲ 39.3%€155k▲ 101%€501k▲ 224%€265k▼ 47.0%
Debt€28k-€51k▲ 81.0%€56k▲ 8.9%€402k▲ 621%€226k▼ 43.9%
Working capital€15k-€28k▲ 84.6%€87k▲ 211%€445k▲ 410%€138k▼ 69.0%
Staff (FTE)0.71▲ 42.9%1=
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,600% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €265k
Fixed assets
€11k ▼ 32.8%
Current assets
€254k ▼ 47.5%
Equity and liabilities €265k
Equity
€40k ▼ 59.8%
Debt
€226k ▼ 43.9%
Debt's share of the balance-sheet total rises from 80.2% to 85.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€51k▲
2024 · €8k
Cash flow
€35k▲
2024 · €6k
Current ratio
2.18▼
2024 · 12.26
Debt to equity
5.66▲
2024 · 4.06
ROE
74.9%▲
2024 · 0.2%
ROA
11.2%▲
2024 · 0.0%
Interest coverage
501.49▲
2024 · 72.18
Debt ≤ 1 year
€117k▲
2024 · €40k
Income taxes
€17k▲
2024 · €2k
Staff costs
€54k▼
2024 · €60k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €39k | €60k | €54k | ▼ 9.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €104 | €3k | €4k | €6k | €5k | ▼ 6.2% |
| Other operating charges640/8 | €629 | €2k | €1k | €1k | €795 | ▼ 24.3% |
| Gross operating margin9900 | €23k | €6k | €138k | €69k | €106k | ▲ 52.9% |
| Operating profit (loss)9901 | €23k | €702 | €94k | €3k | €45k | ▲ 1,600% |
| Financial income75/76B | - | - | - | €125 | €2k | ▲ 1,148% |
| Recurring financial income75 | - | - | - | €125 | €2k | ▲ 1,148% |
| Financial charges65/66B | €52 | €194 | €121 | €116 | €101 | ▼ 12.6% |
| Recurring financial charges65 | €52 | €194 | €121 | €116 | €101 | ▼ 12.6% |
| Profit (loss) for the period before taxes9903 | €23k | €509 | €94k | €3k | €47k | ▲ 1,648% |
| Income taxes67/77 | €6k | €2k | €21k | €2k | €17k | ▲ 592% |
| Profit (loss) for the period9904 | €17k | €-1k | €73k | €227 | €30k | ▲ 13,066% |
| Profit (loss) for the period to be appropriated9905 | €17k | €-1k | €73k | €227 | €30k | ▲ 13,066% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €55k | €77k | €155k | €501k | €265k | ▼ 47.0% |
| Fixed assets21/28 | €12k | €11k | €22k | €16k | €11k | ▼ 32.8% |
| Tangible fixed assets22/27 | €12k | €11k | €22k | €16k | €11k | ▼ 32.8% |
| Plant, machinery and equipment23 | - | €2k | €2k | €928 | €127 | ▼ 86.3% |
| Furniture and vehicles24 | €12k | €9k | €20k | €15k | €11k | ▼ 29.5% |
| Current assets29/58 | €43k | €66k | €133k | €485k | €254k | ▼ 47.5% |
| Amounts receivable within one year40/41 | €9k | €19k | €68 | €11k | €23k | ▲ 102% |
| Trade receivables40 | €9k | €9k | €0 | €260 | €3k | ▲ 967% |
| Other amounts receivable41 | - | €10k | €68 | €11k | €20k | ▲ 81.2% |
| Cash at bank and in hand54/58 | €9k | €28k | €71k | €423k | €124k | ▼ 70.6% |
| Deferred charges and accrued income490/1 | €25k | €19k | €62k | €51k | €108k | ▲ 113% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €55k | €77k | €155k | €501k | €265k | ▼ 47.0% |
| Equity10/15 | €27k | €26k | €99k | €99k | €40k | ▼ 59.8% |
| Contributions10/11 | €10k | €10k | €10k | €10k | €10k | = |
| Reserves13 | - | - | - | - | €30k | - |
| Distributable reserves133 | - | - | - | - | €30k | - |
| Profit (loss) carried forward14 | €17k | €16k | €89k | €89k | €0 | ▼ 100% |
| Amounts payable17/49 | €28k | €51k | €56k | €402k | €226k | ▼ 43.9% |
| Amounts payable within one year42/48 | €28k | €38k | €45k | €40k | €117k | ▲ 195% |
| Trade debts44 | - | €17k | €8k | €10k | €6k | ▼ 42.7% |
| Suppliers440/4 | - | €17k | €8k | €10k | €6k | ▼ 42.7% |
| Advances received on contracts in progress46 | - | - | - | - | €3k | - |
| Taxes, remuneration and social security45 | €6k | €7k | €18k | €9k | €11k | ▲ 27.2% |
| Taxes450/3 | €6k | €5k | €13k | €961 | €682 | ▼ 29.1% |
| Remuneration and social security454/9 | - | €1k | €5k | €8k | €11k | ▲ 33.9% |
| Other amounts payable47/48 | €22k | €14k | €19k | €21k | €97k | ▲ 370% |
| Accrued charges and deferred income492/3 | - | €14k | €10k | €362k | €109k | ▼ 69.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17k | €-1k | €73k | €227 | €30k | ▲ 13,066% |
| + Depreciation and write-downs630 | €104 | €3k | €4k | €6k | €5k | ▼ 6.2% |
| Operating cash flow (approximation) | €17k | €2k | €77k | €6k | €35k | ▲ 496% |
| Investment in fixed assets (approximation) | - | €-2k | €-14k | €0 | €0 | - |
| Change in cash | - | €18k | €43k | €352k | €-299k | ▼ 185% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 49 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity quadruplescurrent ratio 12.26
Current ratio from 2.92 to 12.26; short-term debt falls from €45k to €40k.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Back to profitnet €73k
Net result €73k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-1k
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
10 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, Gent · 1 establishment unit since 2021
Ground area
233 m²
Building footprint
106 m²
Volume, LiDAR
625 m³
Parcel 44432C0256/00Z002, Flanders · tallest building 12.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CollectiveUP
since 20212.315.629.728
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44432C0256/00Z002 | Flanders | 233 m² | 1 · 106 m² | 12.2 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 3 entries · 395,347 EUR awarded · 105,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 0 EUR | 0 EUR |
| 2024 | 1 | 395,347 EUR | 105,000 EUR |
Schemes
Onderzoeksproject
European Union, budget
2024 · 1 entry · 429,081 EUR in total| Year | Entries | awarded |
|---|---|---|
| 2024 | 1 | 429,081 EUR |
Projects
DIGISET - DIGITAL GROWTH INITIATIVES FOR SOCIAL ECONOMY TRANSFORMATION
European research
1 project · 36,300 EUR EU contributionProgrammes
Horizon Europe
Projects
EIT Culture & Creativity
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Of 2,727 companies in sector 63100 we hold annual accounts for 1,269. 890 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
63100Computing infrastructure, data processing, hosting and related activities
62900Other information technology and computer services
72200Scientific research and development
73200Market research and public opinion polling
74999Other professional, scientific and technical activities
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.