UP learning Belgium
ActiveUP learning Belgium has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43k and a net result of €66k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
81
/ 100
Excellent▲ +35 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency41▼-26
Growth58=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.08 against 3.92 in 2024), but 88.2% of the assets are financed with debt.
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
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
11.8%
Return on assets
18.4%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 31527 sector peers (2025).
NBB · sector comparisonPosition among 31527 sector peers
Solvency
better than 18%
← 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 04-06-2026, 57 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
57 d early
2024
47 d early
2023
57 d early
2022
56 d early
2021
80 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k
2024 · €-24k
2021: €46k
2022: €-43k
2023: €-52k
2024: €-24k
2021 → 2025
Total assets
€361k▼ 25.7%
2024 · €486k
2021: €57k
2022: €43k
2023: €609k
2024: €486k
2021 → 2025
Net result
€66k▲ 135%
2024 · €28k
2021: €14k
2022: €-89k
2023: €-9k
2024: €28k
2021 → 2025
Working capital
€124k▼ 44.1%
2024 · €222k
2021: €46k
2022: €-43k
2023: €121k
2024: €222k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€-43k€-52k▼ 20.9%€-24k▲ 54.4%€43k
Operating result€16k-€-89k€-9k▲ 90.0%€29k€67k▲ 132%
Net result€14k-€-89k€-9k▲ 89.9%€28k€66k▲ 135%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 132% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €361k
Fixed assets
€123k▼ 34.9%
Current assets
€238k▼ 19.8%
Equity and liabilities €361k
Equity
€43k
Debt
€318k
Debt finances 88.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€133k▼
2024 · €235k
Cash flow
€132k▼
2024 · €235k
Solvency
11.8%▲
2024 · -4.9%
Current ratio
2.08▼
2024 · 3.92
Quick ratio
2.08▼
2024 · 3.92
Debt / equity
7.44▲
2024 · -21.54
ROE
155.3%▲
2024 · -119.4%
ROA
18.4%▲
2024 · 5.8%
Interest coverage
1303.95▼
2024 · 2677.96
Debt
€318k▼
2024 · €509k
Debt ≤ 1 year
€115k▲
2024 · €76k
Income taxes
€496▼
2024 · €556
Staff costs
€168k▲
2024 · €165k
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€486k€361k▼
Fixed assets21/28€188k€123k▼
Intangible fixed assets21€188k€123k▼
Current assets29/58€298k€238k▼
Amounts receivable within one year40/41€132k€214k▲
Trade receivables40€129k€17k▼
Other amounts receivable41€3k€197k▲
Cash at bank and in hand54/58€152k€24k▼
Deferred charges and accrued income490/1€13k-
Equity and liabilities
Total equity and liabilities10/49€486k€361k▼
Equity10/15€-24k€43k▲
Contributions10/11€40k€40k=
Reserves13€6k€6k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€-70k€-3k▲
Amounts payable17/49€509k€318k▼
Amounts payable after more than one year17€159k-
Financial debts170/4€159k-
Amounts payable within one year42/48€76k€115k▲
Trade debts44€35k€84k▲
Suppliers440/4€35k€84k▲
Taxes, remuneration and social security45€41k€30k▼
Taxes450/3-€7k
Remuneration and social security454/9€41k€23k▼
Accrued charges and deferred income492/3€275k€204k▼
Income statement
Code20242025
Remuneration, social security and pensions62€165k€168k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€206k€66k▼
Gross operating margin9900€401k€301k▼
Operating profit (loss)9901€29k€67k▲
Financial charges65/66B€88€102▲
Recurring financial charges65€88€102▲
Profit (loss) for the period before taxes9903€29k€67k▲
Income taxes67/77€556€496▼
Profit (loss) for the period9904€28k€66k▲
Profit (loss) for the period to be appropriated9905€28k€66k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-70k€-3k▲
Profit (loss) brought forward from the previous period14P€-98k€-70k▲
The notes to these accounts (4 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €66k ▲135%
Operating result €67k, net result €66k, both a record.
14-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 5current ratio 2.31
Current ratio from 0.50 to 2.31.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-89k ▼749%
Net result drops to €-89k, the lowest in the series; recovery starts the following year.
12-05
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
2 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, Antwerpen · 1 establishment unit since 2021
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.
Borsbeeksebrug 342600 AntwerpenGround area
2.4 ha
Building footprint
2,702 m²
Parcel 11302A0095/00E008, Flanders. Linked by address, not a title deed.
1 establishment unit
UP learning Belgium
since 20212.314.808.691
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11302A0095/00E008 | Flanders | 2.4 ha | 1 · 2,702 m² | - |
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.
Similar companies · same sector, comparable size
LARSA
BE 0805.888.173
Hasselt · Eq €43k
NRR ADVISORY
BE 1027.608.201
Charleroi · Eq €43k
Cusdigix
BE 0833.968.089
Waremme · Eq €43k
Mahecon
BE 1024.071.362
Lubbeek · Eq €43k
SODENO
BE 0772.905.106
Waterloo · Eq €43k
Of 82,241 companies in sector 70200 we hold annual accounts for 52,386. 37,032 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.