UP TWO DATE
ActiveSummary
UP TWO DATE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €301k and a net result of €4k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 42% of 3674 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▲+51
Solvency47▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.7 against 2.32 in 2024; short-term debt: 15.6% and cash: 3.4% of total assets), but 77.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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
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
22.2%
Return on assets
0.3%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
28 d late
2023
27 d early
2022
66 d late
2021
31 d late
2020
31 d late
2019
38 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4k
2024 · €-57k
2018: €39k
2019: €38k
2020: €285k
2021: €-32k
2022: €-39k
2023: €76k
2024: €-57k
2018 → 2025
Working capital
€359k▲ 2.0%
2024 · €352k
2018: €215k
2019: €253k
2020: €799k
2021: €402k
2022: €412k
2023: €450k
2024: €352k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€447k-€329k▼ 26.2%€386k▲ 17.2%€298k▼ 22.9%€301k▲ 1.2%
Operating result€-33k-€-38k▼ 13.7%€93k€-53k€44k
Net result€-32k-€-39k▼ 23.6%€76k€-57k€4k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €44k after a loss of €53k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.36M
Fixed assets
€786k ▼ 4.9%
Current assets
€571k ▼ 7.7%
Equity and liabilities €1.36M
Equity
€301k ▲ 1.2%
Provisions
€358k ▼ 1.3%
Debt
€698k ▼ 11.1%
Debt's share of the balance-sheet total falls from 54.3% to 51.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€89k▲
2024 · €-3k
Cash flow
€48k▲
2024 · €-7k
Current ratio
2.70▲
2024 · 2.32
Debt to equity
2.32▼
2024 · 2.64
ROE
1.2%▲
2024 · -19.3%
ROA
0.3%▲
2024 · -4.0%
Interest coverage
5.56▲
2024 · -0.14
Debt ≤ 1 year
€211k▼
2024 · €266k
Debt > 1 year
€482k▼
2024 · €517k
Income taxes
€30k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 61 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.45M€1.36M▼
Fixed assets21/28€827k€786k▼
Tangible fixed assets22/27€818k€777k▼
Land and buildings22€772k€743k▼
Plant, machinery and equipment23€34€2k▲
Furniture and vehicles24€34k€23k▼
Other tangible fixed assets26€12k€10k▼
Financial fixed assets28€9k€9k=
Current assets29/58€619k€571k▼
Amounts receivable after more than one year29€383k€383k=
Other amounts receivable291€383k€383k=
Amounts receivable within one year40/41€181k€134k▼
Trade receivables40€63k€47k▼
Other amounts receivable41€118k€87k▼
Cash at bank and in hand54/58€41k€46k▲
Deferred charges and accrued income490/1€14k€9k▼
Equity and liabilities
Total equity and liabilities10/49€1.45M€1.36M▼
Equity10/15€298k€301k▲
Reserves13€339k€343k▲
Tax-exempt reserves132€265k€251k▼
Distributable reserves133€75k€92k▲
Profit (loss) carried forward14€-42k€-42k=
Provisions and deferred taxes16€363k€358k▼
Provisions for liabilities and charges160/5€276k€276k=
Pensions and similar obligations160€276k€276k=
Deferred taxes168€86k€82k▼
Amounts payable17/49€786k€698k▼
Amounts payable after more than one year17€517k€482k▼
Financial debts170/4€517k€482k▼
Amounts payable within one year42/48€266k€211k▼
Current portion of amounts payable after more than one year42€35k€35k▲
Trade debts44€109k€16k▼
Suppliers440/4€109k€16k▼
Taxes, remuneration and social security45€28k€40k▲
Taxes450/3€26k€40k▲
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€94k€121k▲
Accrued charges and deferred income492/3€2k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€45k▼
Other operating charges640/8€11k€8k▼
Gross operating margin9900€8k€98k▲
Operating profit (loss)9901€-53k€44k▲
Financial income75/76B€11k€35▼
Recurring financial income75€11k€35▼
Non-recurring financial income76B€0-
Financial charges65/66B€17k€16k▼
Recurring financial charges65€17k€16k▼
Profit (loss) for the period before taxes9903€-60k€28k▲
Transfer from deferred taxes780€5k€5k▼
Income taxes67/77€3k€30k▲
Profit (loss) for the period9904€-57k€4k▲
Transfer from tax-exempt reserves789€16k€14k▼
Profit (loss) for the period to be appropriated9905€-42k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-42k€-24k▲
Profit (loss) brought forward from the previous period14P€0€-42k▼
Transfer from equity791/2€31k€0▼
Transfer to equity691/2€0€17k▲
To other reserves6921€0€17k▲
Profit to be distributed694/7€31k€0▼
Return on contributions (dividend)694€31k€0▼
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (20 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-57k ▼176%
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €76k
Net result €76k after 2 loss-making years.
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €285k ▲647%
Operating result €418k, net result €285k, both a record.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ham-sur-Heure-Nalinnes · 2 establishment units since 1995
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.
Chemin des Trois Arbres(HSH) 866120 Ham-sur-Heure-NalinnesGround area
8,591 m²
Building footprint
994 m²
Volume, LiDAR
5,564 m³
3 parcels, Wallonia · tallest building 16.2 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
LE NAUTILUS
since 19952.073.212.870
UP TWO DATE
since 20122.213.968.976
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56034A0080/00C000 | Wallonia | 7,059 m² | 1 · 759 m² | 7.1 m · 1 fl. |
| 56004A0576/00A000 | Wallonia | 1,390 m² | 1 · 109 m² | 10.2 m · 2 fl. |
| 52011B0239/00H129 | Wallonia | 143 m² | 1 · 126 m² | 16.2 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
WILLY'S MOUSTACHE
BE 0449.913.516
Willebroek · Eq €301,285
VAN BURG
BE 0430.323.771
Burg-Reuland · Eq €300,803
SALITO BEACH
BE 0870.503.734
Blankenberge · Eq €300,287
MAKMICH
BE 0865.078.365
Hastière · Eq €302,066
SHAMROCK
BE 0452.206.080
Leuven · Eq €299,715
Of 14,018 companies in sector 56301 we hold annual accounts for 4,891. 2,623 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-07-1995
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.