UP-CONSULT
ActiveUP-CONSULT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €557k and a net result of €39k. Equity is growing by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 2403 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
on the day
2023
30 d late
2022
2 d late
2021
31 d late
2020
on the day
2019
on the day
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€557k▲ 7.6%
2024 · €518k
2018: €177k
2019: €229k
2020: €292k
2021: €355k
2022: €408k
2023: €463k
2024: €518k
2018 → 2025
Net result
€39k▼ 28.5%
2024 · €55k
2018: €43k
2019: €72k
2020: €8k
2021: €62k
2022: €54k
2023: €54k
2024: €55k
2018 → 2025
Total assets
€723k▲ 10.5%
2024 · €655k
2018: €465k
2019: €436k
2020: €459k
2021: €499k
2022: €614k
2023: €622k
2024: €655k
2018 → 2025
Solvency
77.0%▼ 2.1pp
2024 · 79.1%
2018: 38.1%
2019: 52.4%
2020: 63.6%
2021: 71.1%
2022: 66.5%
2023: 74.4%
2024: 79.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€355k-€408k▲ 15.1%€463k▲ 13.3%€518k▲ 11.9%€557k▲ 7.6%
Operating result€102k-€105k▲ 2.8%€77k▼ 26.5%€67k▼ 13.5%€48k▼ 27.6%
Net result€62k-€54k▼ 13.9%€54k▲ 1.4%€55k▲ 1.2%€39k▼ 28.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 28% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €723k
Fixed assets
€77k▲ 1.2%
Current assets
€647k▲ 11.7%
Equity and liabilities €723k
Equity
€557k▲ 7.6%
Debt
€166k▲ 21.6%
The debt ratio rises from 20.9% to 23.0%: debt grows faster than equity.
Key figures and ratios
Solvency
77.0%▼
2024 · 79.1%
ROE
7.1%▼
2024 · 10.6%
ROA
5.4%▼
2024 · 8.4%
Debt
€166k▲
2024 · €137k
Debt ≤ 1 year
€154k▲
2024 · €113k
Debt > 1 year
€13k▼
2024 · €24k
Income taxes
€19k▼
2024 · €23k
Staff costs
€240▲
2024 · €0
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€655k€723k▲
Fixed assets21/28€76k€77k▲
Tangible fixed assets22/27€76k€77k▲
Land and buildings22€65k€67k▲
Plant, machinery and equipment23€9k€8k▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€579k€647k▲
Amounts receivable after more than one year29€171k€171k=
Other amounts receivable291€171k€171k=
Stocks and contracts in progress3€37k-
Contracts in progress37€37k-
Amounts receivable within one year40/41€321k€419k▲
Trade receivables40€3k€51k▲
Other amounts receivable41€318k€368k▲
Cash at bank and in hand54/58€49k€56k▲
Deferred charges and accrued income490/1€1k€673▼
Equity and liabilities
Total equity and liabilities10/49€655k€723k▲
Equity10/15€518k€557k▲
Contributions10/11€25k€25k=
Reserves13€493k€532k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€493k€532k▲
Amounts payable17/49€137k€166k▲
Amounts payable after more than one year17€24k€13k▼
Financial debts170/4€24k€13k▼
Amounts payable within one year42/48€113k€154k▲
Current portion of amounts payable after more than one year42€18k€12k▼
Financial debts43€17k€14k▼
Credit institutions430/8€17k€14k▼
Trade debts44€3k€36k▲
Suppliers440/4€3k€36k▲
Advances received on contracts in progress46€62k€75k▲
Taxes, remuneration and social security45€14k€16k▲
Taxes450/3€14k€16k▲
Remuneration and social security454/9€0-
Income statement
Code20242025
Non-recurring operating income76A€15k-
Remuneration, social security and pensions62€0€240▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€25k▼
Other operating charges640/8€4k€646▼
Non-recurring operating charges66A€817-
Gross operating margin9900€102k€75k▼
Operating profit (loss)9901€67k€48k▼
Financial income75/76B€21k€16k▼
Recurring financial income75€21k€16k▼
Financial charges65/66B€10k€6k▼
Recurring financial charges65€10k€6k▼
Profit (loss) for the period before taxes9903€78k€58k▼
Income taxes67/77€23k€19k▼
Profit (loss) for the period9904€55k€39k▼
Profit (loss) for the period to be appropriated9905€55k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€55k€39k▼
Transfer to equity691/2€55k€39k▼
To other reserves6921€55k€39k▼
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500kEq €518k ▲11.9%
7 profitable years in a row build equity to €518k.
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-09
Financial
Liquidity doublescurrent ratio 6.38
Current ratio from 3.17 to 6.38; short-term debt falls from €101k to €56k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €8k ▼88.3%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Highest result since 2018net €72k ▲67%
Net result €72k, the highest in the series.
30-09
Financial
Equity above €200kEq €229k ▲29.3%
2 profitable years in a row build equity to €229k.
23-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Beringen · 1 establishment unit since 2009
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.
Reigerstraat 303582 BeringenGround area
1,420 m²
Building footprint
182 m²
Volume, LiDAR
926 m³
Parcel 71029B1464/00C000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
UP-CONSULT
since 20092.177.321.980
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71029B1464/00C000 | Flanders | 1,420 m² | 1 · 182 m² | 7.0 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 850 companies in sector 66210 we hold annual accounts for 511. 356 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-2009
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.