PROTEC UP
ActiveThe computed 12-month bankruptcy probability of PROTEC UP is 2.5% (moderate). The 2025 annual accounts show equity of €31k and a net result of €-8k. Equity is shrinking by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 94% of 4477 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 8.49; short-term debt: 11% and cash: 43.5% of total assets), and 11% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
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
89%
Return on assets
-24%
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
2122232425
2021 to 2025 · latest year €-8k
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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
2 d early
2023
19 d late
2022
3 d early
2021
6 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€31k▼ 21.2%
2024 · €39k
2021: €45k
2022: €67k
2023: €81k
2024: €39k
2021 → 2025
Total assets
€35k▼ 11.5%
2024 · €39k
2021: €45k
2022: €67k
2023: €81k
2024: €39k
2021 → 2025
Net result
€-8k▲ 79.7%
2024 · €-41k
2021: €43k
2022: €22k
2023: €14k
2024: €-41k
2021 → 2025
Working capital
€29k
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€67k▲ 49.6%€81k▲ 20.5%€39k▼ 51.2%€31k▼ 21.2%
Operating result€43k-€22k▼ 47.9%€14k▼ 37.2%€-32k€-3k▲ 92.0%
Net result€43k-€22k▼ 48.1%€14k▼ 38.2%€-41k€-8k▲ 79.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €32k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €35k
Fixed assets
€2k▼ 40.0%
Current assets
€33k▼ 8.5%
Equity and liabilities €35k
Equity
€31k
Debt
€4k
Debt finances 11.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€-1k▲
2024 · €-31k
Cash flow
€-7k▲
2024 · €-40k
Solvency
89.0%▼
2024 · 100.0%
Current ratio
8.49
Quick ratio
8.49
Debt / equity
0.12
ROE
-27.0%▲
2024 · -104.9%
ROA
-24.0%▲
2024 · -104.9%
Interest coverage
-3.77▲
2024 · -81.69
Debt
€4k
Debt ≤ 1 year
€4k
Income taxes
€6k▼
2024 · €9k
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€39k€35k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€36k€33k▼
Amounts receivable within one year40/41€20k€17k▼
Trade receivables40€11k€12k▲
Other amounts receivable41€9k€6k▼
Cash at bank and in hand54/58€15k€15k▲
Equity and liabilities
Total equity and liabilities10/49€39k€35k▼
Equity10/15€39k€31k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€37k€29k▼
Amounts payable17/49-€4k
Amounts payable within one year42/48-€4k
Trade debts44-€4k
Suppliers440/4-€4k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€750€2k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€44k-
Other operating charges640/8-€449
Non-recurring operating charges66A€100€246▲
Gross operating margin9900€13k€-316▼
Operating profit (loss)9901€-32k€-3k▲
Financial charges65/66B€376€268▼
Recurring financial charges65€376€268▼
Profit (loss) for the period before taxes9903€-32k€-3k▲
Income taxes67/77€9k€6k▼
Profit (loss) for the period9904€-41k€-8k▲
Profit (loss) for the period to be appropriated9905€-41k€-8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€37k€29k▼
Profit (loss) brought forward from the previous period14P€79k€37k▼
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
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-41k ▼401%
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
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.
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, Vilvoorde · 1 establishment unit since 2021
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.
Guldenschaapstraat 61800 VilvoordeGround area
8,069 m²
Building footprint
1,872 m²
Volume, LiDAR
725 m³
2 parcels, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PROTEC UP
since 20212.317.940.209
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23094D0041/00F000 | Flanders | 7,975 m² | 1 · 1,789 m² | - |
| 23642D0866/00X000 | Flanders | 93 m² | 1 · 82 m² | 11.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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SCHIPHOEK
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Of 1,280 companies in sector 81100 we hold annual accounts for 677. 321 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-04-2021
Fiscal year end31-12
Activities, NACEBEL
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:bentato1030@gmail.com