STIP UP
ActiveSTIP UP has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €30k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 23% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency49▼-37
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.87 in 2024; short-term debt: 76.1% and cash: 26.8% of total assets), and 76.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
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
23.9%
Return on assets
48.5%
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 23% of 17022 sector peers (2025).
NBB · sector comparisonPosition among 17022 sector peers
Solvency
better than 23%
← 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 24-08-2026, 24 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
24 d late
2024
9 d early
2023
26 d late
2022
31 d late
2021
24 d late
2020
23 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
€15k▼ 20.1%
2024 · €19k
2020: €668
2021: €22k
2022: €19k
2023: €23k
2024: €19k
2020 → 2025
Total assets
€63k▲ 105%
2024 · €31k
2020: €33k
2021: €61k
2022: €40k
2023: €37k
2024: €31k
2020 → 2025
Net result
€30k▼ 66.7%
2024 · €91k
2020: €-14k
2021: €23k
2022: €-3k
2023: €4k
2024: €91k
2020 → 2025
Working capital
€8k▼ 26.1%
2024 · €10k
2020: €-17k
2021: €6k
2022: €5k
2023: €14k
2024: €10k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€19k▼ 13.9%€23k▲ 18.8%€19k▼ 16.8%€15k▼ 20.1%
Operating result€29k-€-1k€7k€116k▲ 1,596%€44k▼ 62.1%
Net result€23k-€-3k€4k€91k▲ 2,459%€30k▼ 66.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 62% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €63k
Fixed assets
€7k▼ 12.5%
Current assets
€55k▲ 151%
Equity and liabilities €63k
Equity
€15k▼ 20.1%
Debt
€48k▲ 305%
The debt ratio rises from 38.6% to 76.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€47k▼
2024 · €122k
Cash flow
€33k▼
2024 · €97k
Solvency
23.9%▼
2024 · 61.4%
Current ratio
1.16▼
2024 · 1.87
Quick ratio
1.16▼
2024 · 1.87
Debt / equity
3.19▲
2024 · 0.63
ROE
203.3%▼
2024 · 487.0%
ROA
48.5%▼
2024 · 298.8%
Interest coverage
92.19▼
2024 · 410.29
Debt
€48k▲
2024 · €12k
Debt ≤ 1 year
€48k▲
2024 · €12k
Income taxes
€13k▼
2024 · €25k
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€31k€63k▲
Formation expenses20€38€0▼
Fixed assets21/28€8k€7k▼
Intangible fixed assets21€160€0▼
Tangible fixed assets22/27€8k€7k▼
Furniture and vehicles24€6k€6k▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€22k€55k▲
Amounts receivable within one year40/41€4k€37k▲
Trade receivables40€290€37k▲
Other amounts receivable41€4k€397▼
Cash at bank and in hand54/58€17k€17k▼
Deferred charges and accrued income490/1€784€1k▲
Equity and liabilities
Total equity and liabilities10/49€31k€63k▲
Equity10/15€19k€15k▼
Contributions10/11€15k€15k=
Reserves13€4k€0▼
Distributable reserves133€4k€0▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€12k€48k▲
Amounts payable within one year42/48€12k€48k▲
Trade debts44€1k€11k▲
Suppliers440/4€1k€11k▲
Taxes, remuneration and social security45€1k€10k▲
Taxes450/3€0€8k▲
Remuneration and social security454/9€1k€1k=
Other amounts payable47/48€10k€28k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€3k▼
Other operating charges640/8€828€788▼
Gross operating margin9900€123k€48k▼
Operating profit (loss)9901€116k€44k▼
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€298€508▲
Recurring financial charges65€298€508▲
Profit (loss) for the period before taxes9903€116k€44k▼
Income taxes67/77€25k€13k▼
Profit (loss) for the period9904€91k€30k▼
Profit (loss) for the period to be appropriated9905€91k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€92k€30k▼
Profit (loss) brought forward from the previous period14P€517€0▼
Transfer from equity791/2€3k€4k▲
Profit to be distributed694/7€95k€34k▼
Return on contributions (dividend)694€88k€34k▼
Directors or managers695€7k€0▼
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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €91k ▲2459%
Operating result €116k, net result €91k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.14
Current ratio from 0.47 to 1.14.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Harelbeke · 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.
Dahlialaan 68531 HarelbekeGround area
957 m²
Building footprint
107 m²
Volume, LiDAR
598 m³
Parcel 34017B0804/00P004, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STIP UP
since 20202.298.261.382
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34017B0804/00P004 | Flanders | 957 m² | 1 · 107 m² | 9.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 3,686 EUR awarded · 3,687 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 1,409 EUR |
| 2023 | 1 | 1,440 EUR | 32 EUR |
| 2022 | 1 | 2,246 EUR | 2,246 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 11,694 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-2020
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.