Up&Co
ActiveThe computed 12-month bankruptcy probability of Up&Co is 1.7% (moderate). For Up&Co, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show negative equity (€-1.51M) and a net result of €-290k. Equity is shrinking by ~28.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 6143 sector peers (fiscal year 2023). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability1▼-12
Solvency0=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
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 · 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 2023Solvency, return and age of the figures
Solvency
-72.1%
Return on assets
-13.8%
Age of the figures
33 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 8 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline23-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 15-07-2024, 16 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
16 d early
2022
35 d early
2021
2 d late
2020
5 d early
2019
24 d early
← before the deadline
after the deadline →
Financials · fiscal year 2023, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-290k▼ 137%
2022 · €-122k
2018: €-254k
2019: €-425k
2020: €-535k
2021: €-169k
2022: €-122k
2018 → 2023
Working capital
€-1.58M▼ 20.1%
2022 · €-1.31M
2018: €-154k
2019: €-560k
2020: €-1.06M
2021: €-1.22M
2022: €-1.31M
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Equity€-398k-€-933k▼ 134%€-1.10M▼ 18.1%€-1.22M▼ 11.1%€-1.51M▼ 23.7%
Operating result€-400k-€-507k▼ 26.7%€-147k▲ 70.9%€-87k▲ 40.9%€-211k▼ 143%
Net result€-425k-€-535k▼ 25.9%€-169k▲ 68.4%€-122k▲ 27.6%€-290k▼ 137%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €211k in 2023 against €87k in 2022; the loss grows.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €2.10M
Fixed assets
€71k▼ 26.4%
Current assets
€2.03M▼ 13.7%
Key figures and ratios
EBITDA
€-186k▼
2022 · €-60k
Cash flow
€-265k▼
2022 · €-95k
Solvency
-72.1%▼
2022 · -50.0%
Current ratio
0.56▼
2022 · 0.64
Quick ratio
0.56▲
2022 · 0.54
Debt / equity
-2.39▲
2022 · -3.00
ROA
-13.8%▼
2022 · -5.0%
Interest coverage
-2.37▼
2022 · -1.79
Debt
€3.61M▼
2022 · €3.67M
Debt ≤ 1 year
€3.61M▼
2022 · €3.67M
Income taxes
€0▼
2022 · €2k
Staff costs
€563k▼
2022 · €606k
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€2.45M€2.10M▼
Fixed assets21/28€96k€71k▼
Intangible fixed assets21€89k€64k▼
Tangible fixed assets22/27€4k€3k▼
Furniture and vehicles24€4k€3k▼
Financial fixed assets28€3k€3k=
Current assets29/58€2.35M€2.03M▼
Stocks and contracts in progress3€387k€0▼
Stocks30/36€387k€0▼
Amounts receivable within one year40/41€1.88M€1.72M▼
Trade receivables40€1.88M€1.72M▼
Other amounts receivable41€550€0▼
Cash at bank and in hand54/58€67k€308k▲
Deferred charges and accrued income490/1€15k€6k▼
Equity and liabilities
Total equity and liabilities10/49€2.45M€2.10M▼
Equity10/15€-1.22M€-1.51M▼
Contributions10/11€20k€22k▲
Reserves13€2k€0▼
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Profit (loss) carried forward14€-1.25M€-1.54M▼
Amounts payable17/49€3.67M€3.61M▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€3.67M€3.61M▼
Current portion of amounts payable after more than one year42€238€0▼
Trade debts44€1.33M€944k▼
Suppliers440/4€1.33M€944k▼
Taxes, remuneration and social security45€88k€68k▼
Taxes450/3€26k€22k▼
Remuneration and social security454/9€61k€46k▼
Other amounts payable47/48€2.25M€2.60M▲
Accrued charges and deferred income492/3€7k€7k▲
Income statement
Code20222023
Remuneration, social security and pensions62€606k€563k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€25k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-7k
Other operating charges640/8€10k€11k▲
Gross operating margin9900€557k€381k▼
Operating profit (loss)9901€-87k€-211k▼
Financial income75/76B€93€0▼
Recurring financial income75€93€0▼
Financial charges65/66B€33k€78k▲
Recurring financial charges65€33k€78k▲
Profit (loss) for the period before taxes9903€-120k€-290k▼
Income taxes67/77€2k€0▼
Profit (loss) for the period9904€-122k€-290k▼
Profit (loss) for the period to be appropriated9905€-122k€-290k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-1.25M€-1.54M▼
Profit (loss) brought forward from the previous period14P€-1.12M€-1.25M▼
Social balance
Average headcount (FTE)908714.310.4▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 2 days late
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-535k
Net result drops to €-535k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Wavre · 1 establishment unit since 2015
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 du Manège 181301 WavreGround area
4,062 m²
Building footprint
1,881 m²
Volume, LiDAR
11,176 m³
Parcel 25006D0182/00H000, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Up&Co
since 20152.239.913.607
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25006D0182/00H000 | Wallonia | 4,062 m² | 1 · 1,881 m² | 8.9 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.
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Of 227 companies in sector 46497 we hold annual accounts for 101. 53 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-03-2015
Fiscal year end31-12
Activities, NACEBEL
46497Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@upandco.be
Phone:081841660