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Up2Study

Active
Private limited companyfounded 2022active for 4 yearsMartelarenplein 20E, 3000 Leuven, Belgium50 active companies are registered at this addressKBO/BCE: BE 0791.924.430
Summary

The annual accounts of Up2Study for financial year 2025 show a net loss of 109% of the equity at the start of that year. The 2025 annual accounts show equity of €6,288 and a net result of -€14,837. Equity is growing by about 42% per year across the filed financial years. Its solvency ranks better than 28% of 2,584 sector peers (NACE 85, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Activity
Other education
NACE 85599
1 site
Size
€40,469total assets 2025
Equity
€6,288
Loss
-€14,837
Turnover not published (micro format)
Financial health
53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Structure
Accounts on time1 of 2 deeds read
Why 53raises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearLoss of €14,837 (financial year 2025)lowers riskSector: Education (NACE 85)Size: total assets €40,469Figures for financial year 2025 (filed 05-05-2026)Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 13% of its sector peers (NACE 85, micro)
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 41-23
equity 15.5% of total assets
Liquidity 17-40
short-term debt 81.5% · cash 9.6%
Profitability 0-100
return on assets -36.7%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (3,809 companies, NACE 85, micro)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.3%▲ +0.1 percentage points vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.3%● unchanged vs 03-2025 05-2025: 0.5%▲ +0.2 percentage points vs 04-2025highest value 06-2025: 0.1%▼ -0.4 percentage points vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025lowest value 11-2025: 0.1%● unchanged vs 10-2025lowest value 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.2%▲ +0.1 percentage points vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.2%● unchanged vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity insufficient (current ratio 0.99, compared with 1.1 in 2024, below 1; short-term debt: 81.5% and cash: 9.6% of total assets), and 84.5% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 85, micro): better than 26% on solvency, 9% on liquidity, 6% on profitability and 12% on growth.

The bankruptcy probability was computed on 22-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Sector: Education (NACE 85)
KBO
lowers risk · Size: total assets €40,469
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Loss of €14,837 (financial year 2025)
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed 05-05-2026)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
on the day
2024
1 day early
2023
4 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 2 days before the deadline; the sector median (NACE 85) for financial year 2024 is 16 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 29 April (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-09-2026 year end23-10-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2022.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Resignation: Michelle Thewissen (director)Director discharge
  3. Weakest financial yearnet -€14,837

Key points

  • Caution: Among the weakest 11% on net resultsector median €7,312 · 2,586 companies -€14,837 View
  • Total assets 20253 financial years filed €40,469 View
  • Active since 2022founded 05-10-2022 4 years View

By topic

Financials

Financial year
2025
Total assets
€40,469
Loss
-€14,837
Solvency
15.5%
Total assets▲ 16.4%
Net result
20232025
Go to Financials

Timeline

Events
6
Since
2024
Next accounts
by 30-04-2027
  1. 29-04-2025Annual accounts filed
  2. 30-09-2024Back to profit
  3. 26-04-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other educationNACE 85599
Founded
05-10-2022
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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