SCHEL'UP
ActiveSCHEL'UP has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-52k) and a net result of €-56k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
22
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0▼-31
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.28 against 0.92 in 2024; short-term debt: 193.2% and cash: 2.3% of total assets), and equity is negative.
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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
-93.2%
Return on assets
-100.6%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €-52k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 6 filingsDeviation from the deadline
2025
30 d late
2024
31 d late
2023
2 d early
2022
53 d late
2021
68 d late
2020
26 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-52k
2024 · €4k
2020: €769
2021: €29k
2022: €60k
2023: €32k
2024: €4k
2020 → 2025
Total assets
€56k▼ 12.3%
2024 · €63k
2020: €18k
2021: €78k
2022: €103k
2023: €136k
2024: €63k
2020 → 2025
Net result
€-56k▼ 102%
2024 · €-28k
2020: €2k
2021: €29k
2022: €28k
2023: €10k
2024: €-28k
2020 → 2025
Working capital
€-78k▼ 1,523%
2024 · €-5k
2020: €-684
2021: €26k
2022: €52k
2023: €24k
2024: €-5k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€60k▲ 109%€32k▼ 47.2%€4k▼ 87.1%€-52k
Operating result€43k-€39k▼ 8.0%€21k▼ 47.4%€-36k€-56k▼ 56.0%
Net result€29k-€28k▼ 1.4%€10k▼ 63.7%€-28k€-56k▼ 102%
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 €56k in 2025 against €36k 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 €56k
Fixed assets
€26k▲ 189%
Current assets
€30k▼ 45.2%
Key figures and ratios
EBITDA
€-48k▼
2024 · €-31k
Cash flow
€-48k▼
2024 · €-23k
Solvency
-93.2%▼
2024 · 6.5%
Current ratio
0.28▼
2024 · 0.92
Quick ratio
0.28▼
2024 · 0.92
Debt / equity
-2.07▼
2024 · 14.42
ROA
-100.6%▼
2024 · -43.8%
Interest coverage
-136.32▼
2024 · -45.43
Debt
€107k▲
2024 · €59k
Debt ≤ 1 year
€107k▲
2024 · €59k
Income taxes
€219▲
2024 · €-8k
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€63k€56k▼
Fixed assets21/28€9k€26k▲
Tangible fixed assets22/27€8k€25k▲
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€4k€20k▲
Financial fixed assets28€960€1k▲
Current assets29/58€54k€30k▼
Amounts receivable after more than one year29€7k€2k▼
Other amounts receivable291€7k€2k▼
Amounts receivable within one year40/41€30k€24k▼
Trade receivables40€4k€3k▼
Other amounts receivable41€26k€21k▼
Cash at bank and in hand54/58€16k€1k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€63k€56k▼
Equity10/15€4k€-52k▼
Contributions10/11€3k€3k=
Reserves13€29k€29k=
Distributable reserves133€29k€29k=
Profit (loss) carried forward14€-28k€-84k▼
Amounts payable17/49€59k€107k▲
Amounts payable within one year42/48€59k€107k▲
Trade debts44-€4k
Suppliers440/4€0€4k▲
Taxes, remuneration and social security45€2k€823▼
Taxes450/3€2k€823▼
Other amounts payable47/48€58k€103k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€8k▲
Other operating charges640/8€126€639▲
Gross operating margin9900€-31k€-47k▼
Operating profit (loss)9901€-36k€-56k▼
Financial income75/76B€1k€715▼
Recurring financial income75€1k€715▼
Financial charges65/66B€685€351▼
Recurring financial charges65€684€351▼
Non-recurring financial charges66B€1-
Profit (loss) for the period before taxes9903€-35k€-56k▼
Income taxes67/77€-8k€219▲
Profit (loss) for the period9904€-28k€-56k▼
Profit (loss) for the period to be appropriated9905€-28k€-56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€-84k▼
Profit (loss) brought forward from the previous period14P-€-28k
The notes to these accounts (8 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Weakest financial yearnet €-56k
Net result drops to €-56k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 53 days late
2022
07-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 68 days late
2021
31-12
Financial
Highest result since 2020net €29k ▲1741%
Operating result €43k, net result €29k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Evere · 1 establishment unit since 2020
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.
Friulilaan 361140 EvereGround area
2,421 m²
Building footprint
1,025 m²
Volume, LiDAR
14,955 m³
Parcel 21372D0129/00V000, Brussels · tallest building 18.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
SCHEL'UP
since 20202.300.339.954
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21372D0129/00V000 | Brussels | 2,421 m² | 1 · 1,025 m² | 18.8 m · 5 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.
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 13,756 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-03-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:patrice.schellekens@skynet.be