STAND UP
ActiveThe computed 12-month bankruptcy probability of STAND UP is 2.7% (moderate). The 2025 annual accounts show equity of €37k and a net result of €32k. Equity is growing by ~45% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▲+38
Solvency53▲+10
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.04 against 0.36 in 2024; short-term debt: 44% and cash: 24.8% of total assets), and 72.1% 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.
−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 · 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
27.9%
Return on assets
23.9%
Age of the figures
9 mo
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 27-07-2026, 4 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
4 d early
2024
52 d early
2023
128 d early
2022
25 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▲ 114%
2024 · €17k
2022: €10k
2023: €21k
2024: €17k
2022 → 2025
Total assets
€133k▲ 36.5%
2024 · €98k
2022: €37k
2023: €55k
2024: €98k
2022 → 2025
Net result
€32k
2024 · €-3k
2022: €7k
2023: €11k
2024: €-3k
2022 → 2025
Working capital
€2k
2024 · €-21k
2022: €-16k
2023: €-42
2024: €-21k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€10k-€21k▲ 108%€17k▼ 16.5%€37k▲ 114%
Operating result€10k-€15k▲ 48.0%€-1k€48k
Net result€7k-€11k▲ 54.2%€-3k€32k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €48k after a loss of €1k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €133k
Fixed assets
€72k▼ 15.6%
Current assets
€61k▲ 408%
Equity and liabilities €133k
Equity
€37k▲ 114%
Debt
€96k▲ 19.8%
The debt ratio falls from 82.2% to 72.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€62k▲
2024 · €14k
Cash flow
€46k▲
2024 · €11k
Solvency
27.9%▲
2024 · 17.8%
Current ratio
1.04▲
2024 · 0.36
Quick ratio
1.04▲
2024 · 0.36
Debt / equity
2.59▼
2024 · 4.62
ROE
86.0%▲
2024 · -19.7%
ROA
23.9%▲
2024 · -3.5%
Interest coverage
18.22▲
2024 · 5.63
Debt
€96k▲
2024 · €80k
Debt ≤ 1 year
€59k▲
2024 · €33k
Debt > 1 year
€38k▼
2024 · €47k
Income taxes
€13k▲
2024 · €-97
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€98k€133k▲
Fixed assets21/28€86k€72k▼
Tangible fixed assets22/27€80k€67k▼
Plant, machinery and equipment23€154€34▼
Furniture and vehicles24€13k€8k▼
Other tangible fixed assets26€67k€58k▼
Financial fixed assets28€6k€6k=
Current assets29/58€12k€61k▲
Amounts receivable within one year40/41€2k€25k▲
Trade receivables40€2k€25k▲
Cash at bank and in hand54/58€10k€33k▲
Deferred charges and accrued income490/1€49€3k▲
Equity and liabilities
Total equity and liabilities10/49€98k€133k▲
Equity10/15€17k€37k▲
Contributions10/11€3k€3k=
Reserves13€14k€34k▲
Distributable reserves133€14k€34k▲
Amounts payable17/49€80k€96k▲
Amounts payable after more than one year17€47k€38k▼
Financial debts170/4€47k€38k▼
Amounts payable within one year42/48€33k€59k▲
Current portion of amounts payable after more than one year42€7k€8k▲
Trade debts44€84€19k▲
Suppliers440/4€84€19k▲
Taxes, remuneration and social security45€1k€11k▲
Taxes450/3€1k€11k▲
Other amounts payable47/48€25k€21k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€397€2k▲
Gross operating margin9900€14k€64k▲
Operating profit (loss)9901€-1k€48k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-4k€45k▲
Income taxes67/77€-97€13k▲
Profit (loss) for the period9904€-3k€32k▲
Profit (loss) for the period to be appropriated9905€-3k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€32k▲
Transfer from equity791/2€3k-
Transfer to equity691/2-€20k
To other reserves6921-€20k
Profit to be distributed694/7-€12k
Return on contributions (dividend)694-€12k
The notes to these accounts (7 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.04
Current ratio from 0.36 to 1.04.
09-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-3k ▼132%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
25-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 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, Fernelmont · 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.
Rue de Namur, Pont. 345380 FernelmontGround area
752 m²
Building footprint
119 m²
Parcel 92100B0011/00Z000, Wallonia. Linked by address, not a title deed.
1 establishment unit
STAND UP
since 20212.326.260.433
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92100B0011/00Z000 | Wallonia | 752 m² | 1 · 119 m² | - |
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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2021
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.standuphysio.be
E-mail:t.lallemand@live.be