Active BE 0456.234.550Private limited company

UP 2 DATE

Kerkstraat 1 ·9255 Buggenhout, Belgium· 30 yrs active

Sector: Certified accountants and tax accountants (69201)

Conclusion Checked

UP 2 DATE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €37k and a net result of €16k. Equity is growing by ~63.8% per year across the filed fiscal years. Its solvency ranks better than 30% of 15374 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€37k
Net result	€16k
Better than sector	30%
Active	30 yrs

Financial profile 5 of 5 axes measured · computed by Checked

89 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 86

Profitability 100

Solvency 80

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.1% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 1995, 30 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2024 · computed

86 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€3k

estimate, not credit advice

Score history

48 2021

76 2022

91 2023

86 2024

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 1.93 (≥ 1.5) +10

Quick ratio Quick ratio 1.93 (≥ 1.0) +5

Leverage Debt/equity 1.59 (< 2.0) +3

Profitability ROE 44% (≥ 10%) +10

Interest coverage Interest coverage 34.0× (≥ 3×) +8

Profit trend Net profit down YoY -3

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview27 NBB filings

Annual accounts filed on 31-10-2025 with the NBB · fiscal year 2024 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~63.8%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 69, Legal and accounting activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	38.6%	59.3%	better than 30% of 15374 sector peers
Net result	€16k	€34k	better than 31% of 15367 sector peers
Equity	€37k	€97k	better than 27% of 15381 sector peers
Gross operating margin	€31k	€70k	better than 25% of 15363 sector peers
Total assets	€95k	€208k	better than 26% of 15382 sector peers

EBITDA

€29k

-5.1% 21-24

Net profit

€16k

-0.8% 21-24

Cash flow

€21k

+0.8% 21-24

Total assets

€95k

+2.2% 21-24

Equity

€37k

+48.7% 21-24

Working capital

€30k

+41.4% 21-24

Staff costs

€-26

- 21-24

Income taxes

€7k

-19.0% 21-24

Debt

€58k

-14.6% 21-24

Debt ≤ 1y

€33k

-10.1% 21-24

Debt > 1y

€26k

-13.7% 21-24

Current ratio

1.93

+21.3% 21-24

Quick ratio

1.93

+21.3% 21-24

Solvency

38.6%

+45.5% 21-24

Debt / equity

1.59

-42.6% 21-24

ROE

43.7%

-33.3% 21-24

ROA

16.9%

-2.9% 21-24

Interest coverage

33.99

+5.7% 21-24

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2024	2023	2022	2021
Deposit	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-
EBITDA	€29k	€30k	€26k	€20k
Net profit	€16k	€16k	€11k	€4k
Cash flow	€21k	€21k	€20k	€15k
Staff costs	-	-	€-26	€87
Income taxes	€7k	€8k	€5k	€4k
Dividends	-	-	-	-
Total assets	€95k	€93k	€84k	€83k
Equity	€37k	€25k	€13k	€1k
Debt	€58k	€68k	€72k	€82k
of which ≤ 1y	€33k	€36k	€36k	€44k
of which > 1y	€26k	€30k	€34k	€38k
Working capital	€30k	€21k	€8k	€-9k
Employees (FTE)	-	-	-	-

Ratios (computed)

	2024	2023	2022	2021
Current ratio	1.93	1.59	1.23	0.79
Quick ratio	1.93	1.59	1.23	0.79
Working capital ratio	31.9%	23.1%	9.9%	-11.3%
Solvency	38.6%	26.5%	14.9%	1.7%
Debt / equity	1.59	2.77	5.70	59.42
Long-term debt ratio	0.70	1.20	2.67	27.20
Interest coverage	33.99	32.16	22.68	22.22
Gross margin	-	-	-	-
Net margin	-	-	-	-
ROA	16.9%	17.4%	13.3%	5.2%
ROE	43.7%	65.4%	89.0%	313.5%
EBITDA margin	-	-	-	-
Days sales outstanding	-	-	-	-
Days payable outstanding	-	-	-	-
Inventory turnover	-	-	-	-
Days inventory (DSI)	-	-	-	-

Balance-sheet composition 2024

Assets

Fixed assets €32k · 33.8% Current assets €63k · 66.2%

Equity & liabilities

Equity €37k · 38.6% Debt €58k · 61.4%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€95k	€93k	€84k	€83k
Fixed assets	21/28	€32k	€35k	€39k	€49k
Tangible fixed assets	22/27	€32k	€35k	€39k	€49k
Current assets	29/58	€63k	€58k	€45k	€35k
Amounts receivable within one year	40/41	€44k	€50k	€39k	€31k
Cash & bank	54/58	€15k	€3k	€2k	€2k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€95k	€93k	€84k	€83k
Equity	10/15	€37k	€25k	€13k	€1k
Contributions / capital	10/11	€8k	€8k	€6k	€6k
Reserves	13	€38k	€26k	€15k	€5k
Accumulated profits (losses)	14	€-9k	€-9k	€-9k	€-10k
Amounts payable	17/49	€58k	€68k	€72k	€82k
Amounts payable after one year	17	€26k	€30k	€34k	€38k
Amounts payable within one year	42/48	€33k	€36k	€36k	€44k
Trade debts payable within one year	44	€3k	€2k	€3k	€3k
Income statement
Gross operating margin	9900	€31k	€32k	€28k	€21k
Operating result	9901	€24k	€25k	€17k	€9k
Financial income	75	-	-	€1	-
Financial charges	65	€845	€941	€1k	€886
Result before taxes	9903	€23k	€25k	€16k	€8k
Income taxes	67/77	€7k	€8k	€5k	€4k
Net result for the period	9904	€16k	€16k	€11k	€4k
Result to be appropriated	9905	€16k	€16k	€11k	€4k

Directors & mandates 3 directors

Directors derived from a single State Gazette act, under verification

All 3 current directors first appear in the same act (23435803). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.

Current directors & mandates

HEYVAERT Karin Tine Jo
Statutair bestuurder
State Gazette act 23435803 (24-11-2023)

Current
24-11-2023 → present
JANSSEN Ellen
Statutair bestuurder
State Gazette act 23435803 (24-11-2023)

Current
24-11-2023 → present
JANSSEN Louise
Statutair bestuurder
State Gazette act 23435803 (24-11-2023)

Current
24-11-2023 → present

Legal Structure

NACE primary	Certified accountants and tax accountants(69201)
Legal form	Private limited company(610)
Incorporation	10-10-1995
Status	Active
Postal code	9255

Establishment units 1 location

Up 2 Date BVBA

Kerkstraat 1, 9255 BuggenhoutLegal and accounting activities

since 20172.302.138.216

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
42004B0255/00R006	Flanders	221 m²	1 · 184 m²	9.3 m · 1 fl.

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.

Updates 11 events

All 12Financial 1Gazette 1Filings 10

2025

31-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 92 days late

2024

12-12

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 134 days late

2023

31-12

Financial Highest result since 2021net €16k ▲44%

Operating result €25k, net result €16k, both a record.

24-11

State Gazette act Director changes

Sabine Van Buggenhout

09-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 70 days late

2022

30-11

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 122 days late

14-02

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 198 days late

2019

31-10

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 92 days late

2018

24-09

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 55 days late

2017

28-09

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 59 days late

2016

04-10

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema · 65 days late

2015

29-09

NBB filing Annual accounts filed

fiscal year 2014 · abbreviated schema · 60 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2023

24-11-2023 3 directors appointed Director changes·Sabine Van Buggenhout

HEYVAERT Karin Tine Jo, Statutair bestuurder
JANSSEN Ellen, Statutair bestuurder
JANSSEN Louise, Statutair bestuurder

Notary: Sabine Van Buggenhout · Meise

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Certified accountants and tax accountants69201Legal and accounting activities6920274121

Names & trade names

Legal nameNL

UP 2 DATE

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