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UP-check

Active
Private limited companyfounded 20242 yrs activeRue du Morimont 72, 1341 Ottignies-Louvain-la-Neuve, BelgiumKBO/BCE: BE 1004.337.109
Summary

The computed 12-month bankruptcy probability of UP-check is 3.3% (moderate). The 2024 annual accounts show equity of €7,710 and a net result of €710. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
Axes
Profitability75
Solvency76
Growth-
Track record67
Bankruptcy probability, 12 months
3.3% Moderate
0%0.5%1.5%4%10%≥ 25%
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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies more bankruptcies →
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 2024
Solvency, return and age of the figures
Solvency
50.6%
Return on assets
4.7%
Age of the figures
21 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 15-06-2026, 46 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
46 d early
2024
34 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 40 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

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 months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 8 January 2024, UP-check was incorporated as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2024, micro schema

Equity
€7,710
Total assets
€15,231
Net result
€710
Working capital
€1,955

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €15,231
Fixed assets €5,755
Current assets €9,475
Equity and liabilities €15,231
Equity €7,710
Debt €7,521
Debt finances 49.4% of the balance-sheet total.
Key figures and ratios
2024 value
EBITDA
€3,277
Cash flow
€3,063
Current ratio
1.26
Debt to equity
0.98
ROE
9.2%
ROA
4.7%
Interest coverage
24.66
Debt ≤ 1 year
€7,521
Income taxes
€82

Peer companies

Historical observation

Of the 2,546 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit under 5% of the balance sheet
2.3% went bankrupt
3.1% stopped otherwise
94% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 3.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,546 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 · 35 lines
Balance sheet Code2024
Assets
Total assets20/58€15,231
Fixed assets21/28€5,755
Intangible fixed assets21€5,755
Current assets29/58€9,475
Amounts receivable within one year40/41€4,303
Trade receivables40€4,303
Cash at bank and in hand54/58€4,761
Deferred charges and accrued income490/1€411
Equity and liabilities
Total equity and liabilities10/49€15,231
Equity10/15€7,710
Contributions10/11€7,000
Reserves13€710
Distributable reserves133€710
Amounts payable17/49€7,521
Amounts payable within one year42/48€7,521
Trade debts44€814
Suppliers440/4€814
Taxes, remuneration and social security45€980
Taxes450/3€980
Other amounts payable47/48€5,727
Income statement Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,353
Other operating charges640/8€387
Gross operating margin9900€3,665
Operating profit (loss)9901€925
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€133
Recurring financial charges65€133
Profit (loss) for the period before taxes9903€792
Income taxes67/77€82
Profit (loss) for the period9904€710
Profit (loss) for the period to be appropriated9905€710
Appropriation of the result
Profit (loss) to be appropriated9906€710
Transfer to equity691/2€710
To other reserves6921€710

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,353
Other operating charges640/8€387
Gross operating margin9900€3,665
Operating profit (loss)9901€925
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€133
Recurring financial charges65€133
Profit (loss) for the period before taxes9903€792
Income taxes67/77€82
Profit (loss) for the period9904€710
Profit (loss) for the period to be appropriated9905€710
Line2024
Assets
Total assets20/58€15,231
Fixed assets21/28€5,755
Intangible fixed assets21€5,755
Current assets29/58€9,475
Amounts receivable within one year40/41€4,303
Trade receivables40€4,303
Cash at bank and in hand54/58€4,761
Deferred charges and accrued income490/1€411
Equity and liabilities
Total equity and liabilities10/49€15,231
Equity10/15€7,710
Contributions10/11€7,000
Reserves13€710
Distributable reserves133€710
Amounts payable17/49€7,521
Amounts payable within one year42/48€7,521
Trade debts44€814
Suppliers440/4€814
Taxes, remuneration and social security45€980
Taxes450/3€980
Other amounts payable47/48€5,727
Line2024
Profit (loss) for the period9904€710
+ Depreciation and write-downs630€2,353
Operating cash flow (approximation)€3,063

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
15-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
6,124 m²
Building footprint
272 m²
Parcel 25016A0448/00D002, Wallonia. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
UP-check
Rue du Morimont 72, 1341 Ottignies-Louvain-la-NeuveConstruction of residential and non-residential buildings
since 20242.355.399.233
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25016A0448/00D002 Wallonia 6,124 m² 1 · 272 m² -
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 8,578 companies in sector 43410 we hold annual accounts for 4,369. 1,979 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded08-01-2024
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
41001General construction of residential buildings
62100Computer programming
71209Other technical testing and analysis
81220Other building cleaning and industrial cleaning
Contact
Phone +32474931616
E-mail julien@up-check.beOttignies-Louvain-la-Neuve
E-invoicing
Reachable via Peppol
Peppol ID 0208:1004337109
Also 9925:BE1004337109
Registered 19-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.