U-pendo
ActiveSummary
U-pendo has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18k and a net result of €58k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency39▲+3
Growth78=
Track record94
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 short (current ratio 0.99 against 1.03 in 2024; short-term debt: 75.1% and cash: 14.8% of total assets), and 85.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
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
14.4%
Return on assets
48%
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 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 20%
← weakest
strongest →
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 09-06-2026, 52 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
52 d early
2024
47 d early
2023
18 d early
2022
58 d early
2021
40 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€18k▼ 30.1%
2024 · €25k
2021: €-145
2022: €46k
2023: €107k
2024: €25k
2021 → 2025
Total assets
€122k▼ 46.9%
2024 · €229k
2021: €26k
2022: €77k
2023: €188k
2024: €229k
2021 → 2025
Net result
€58k▼ 8.9%
2024 · €64k
2021: €-1k
2022: €47k
2023: €60k
2024: €64k
2021 → 2025
Working capital
€-566
2024 · €5k
2021: €-14k
2022: €24k
2023: €73k
2024: €5k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-145-€46k€107k▲ 130%€25k▼ 76.5%€18k▼ 30.1%
Operating result€-294-€60k€78k▲ 29.2%€79k▲ 2.2%€80k▲ 0.7%
Net result€-1k-€47k€60k▲ 29.6%€64k▲ 6.1%€58k▼ 8.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 1% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€31k ▼ 24.9%
Current assets
€91k ▼ 51.7%
Equity and liabilities €122k
Equity
€18k ▼ 30.1%
Debt
€104k ▼ 49.0%
Debt's share of the balance-sheet total falls from 89.1% to 85.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€91k▲
2024 · €91k
Cash flow
€70k▼
2024 · €76k
Current ratio
0.99▼
2024 · 1.03
Debt to equity
5.94▼
2024 · 8.14
ROE
332.9%▲
2024 · 255.5%
ROA
48.0%▲
2024 · 28.0%
Interest coverage
60.60▲
2024 · 45.05
Debt ≤ 1 year
€91k▼
2024 · €183k
Debt > 1 year
€13k▼
2024 · €21k
Income taxes
€24k▲
2024 · €18k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€229k€122k▼
Fixed assets21/28€41k€31k▼
Tangible fixed assets22/27€41k€31k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€6k€5k▼
Leasing and similar rights25€31k€22k▼
Current assets29/58€188k€91k▼
Amounts receivable after more than one year29€99k€50k▼
Other amounts receivable291€99k€50k▼
Amounts receivable within one year40/41€21k€21k▼
Trade receivables40€17k€19k▲
Other amounts receivable41€5k€2k▼
Cash at bank and in hand54/58€67k€18k▼
Deferred charges and accrued income490/1€570€2k▲
Equity and liabilities
Total equity and liabilities10/49€229k€122k▼
Equity10/15€25k€18k▼
Contributions10/11€1k€1k=
Reserves13€24k€17k▼
Distributable reserves133€24k€17k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€204k€104k▼
Amounts payable after more than one year17€21k€13k▼
Financial debts170/4€21k€13k▼
Amounts payable within one year42/48€183k€91k▼
Current portion of amounts payable after more than one year42€8k€9k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€26k€13k▼
Taxes450/3€26k€13k▼
Other amounts payable47/48€146k€66k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€2k€719▼
Gross operating margin9900€92k€92k▼
Operating profit (loss)9901€79k€80k▲
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€82k€82k▼
Income taxes67/77€18k€24k▲
Profit (loss) for the period9904€64k€58k▼
Profit (loss) for the period to be appropriated9905€64k€58k▼
Appropriation of the result
Profit (loss) to be appropriated9906€64k€58k▼
Transfer from equity791/2€82k€8k▼
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€146k€66k▼
Return on contributions (dividend)694€146k€66k▼
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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €64k ▲6.1%
Net result €64k, the highest in the series.
13-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €107k ▲130%
2 profitable years in a row build equity to €107k.
03-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €47k
Net result €47k after one loss-making year.
31-12
Financial
Liquidity times 9current ratio 1.90
Current ratio from 0.22 to 1.90.
21-06
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.
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, Kapellen · 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.
Heirust 52950 KapellenGround area
1,539 m²
Building footprint
167 m²
Volume, LiDAR
678 m³
Parcel 11362N0360/00K004, Flanders · tallest building 5.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
U-pendo
since 20202.310.368.665
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11362N0360/00K004 | Flanders | 1,539 m² | 1 · 166 m² | 5.8 m · 1 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 2023 · 2 entries · 1,223 EUR awarded · 1,223 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 885 EUR | 885 EUR |
| 2022 | 1 | 338 EUR | 338 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
MVES MANAGEMENT
BE 0717.794.852
Wavre · Eq €17,559
MindUp Group
BE 1015.288.310
Jette · Eq €17,562
OZSE Invest
BE 1007.938.183
Liège · Eq €17,563
WEAAL
BE 0875.311.073
Gent · Eq €17,556
VERBIS
BE 0896.210.021
Modave · Eq €17,554
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 29,152 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.