UPAQ Immo

Active

Private limited companyfounded 20242 yrs activeBoulevard Mairaux(L.L) 29, 7100 La Louvière, BelgiumKBO/BCE: BE 1010.393.570

Summary

The computed 12-month bankruptcy probability of UPAQ Immo is 2.4% (moderate). The 2024 annual accounts show equity of €46,827 and a net result of €43,827. Its solvency ranks better than 82% of 19384 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

UPAQ ImmoActiveChecked score 56/100

Risk analysis Report Compare

Activity

Buying and selling of own real estate

NACE 68110

1 site

Size

€61,181total assets 2024

Equity: €46,827
Profit: €43,827

Turnover not published (abridged schema)

Financial health

56 Fair Checked score 2024

Bankruptcy chance 12 m: 2.4%

Structure

Accounts filed 262 d late1 of 3 deeds read

Why 56- 1 financial year not filed after the legal deadline; latest accounts 262 days late; 1 of the last 3 late- Founded in 2024+ Sector Real estate activities (NACE 68)+ No annual accounts with figuresShow the evidence

Checked score

Score 2024

56 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 92% of its sector peers (NACE 68, without accounts)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 100

equity 76.5% of total assets

Liquidity 83

short-term debt 23.5%

Profitability 100

return on assets 71.6%

Bankruptcy probability, 12 months

2.4% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (2,945 companies)

Last 24 months 07-2025: 0.6%lowest value 08-2025: 0.7%▲ +3.1% vs 07-2025 09-2025: 0.7%▲ +0.1% vs 08-2025 10-2025: 0.7%▲ +11.5% vs 09-2025 11-2025: 0.8%▲ +0.5% vs 10-2025 12-2025: 0.8%▲ +12.4% vs 11-2025 01-2026: 0.9%▲ +11.4% vs 12-2025 02-2026: 1.0%▲ +2.2% vs 01-2026 03-2026: 0.9%▼ -3.7% vs 02-2026 04-2026: 0.9%▼ -1.3% vs 03-2026 05-2026: 2.3%▲ +149% vs 04-2026 06-2026: 2.4%▲ +4.5% vs 05-2026 07-2026: 2.4%▲ +1.1% vs 06-2026highest value 08-2026: 2.4%● 0.0% vs 07-2026highest value 09-2026: 2.4%● 0.0% vs 08-2026highest value 10-2026: 2.4%● 0.0% vs 09-2026highest value

1 financial year not filed after the legal deadline; latest accounts 262 days late; 1 of the last 3 late raises the probability
Sector Real estate activities (NACE 68) lowers the probability
Founded in 2024 raises the probability for this profile
No annual accounts with figures lowers the probability

Credit up to €2,500 at 30 days only on tighter terms

Liquidity ample (current ratio 4.26; short-term debt: 23.5% of total assets), and 23.5% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, without accounts). Better than this share of them on solvency 94%, liquidity 91%, profitability 92%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk

1 financial year not filed after the legal deadline; latest accounts 262 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Sector Real estate activities (NACE 68)

In the bankruptcy model this factor lowers the probability.

KBO

Founded in 2024

In the bankruptcy model this factor raises the probability for this profile.

KBO

No annual accounts with figures

In the bankruptcy model this factor lowers the probability.

NBB · filings

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-04-2026, 262 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 1 filing

Deviation from the deadline

2024

262 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 262 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

04-06-26 MiscellaneousCourt decision · Director in…
19-04-26 Annual accounts filedfiscal year 2024 · micro…
25-03-26 Judicial dissolution, liquidator appointedTribunal de l’entreprise du Hainaut…

Key points

Caution: Latest accounts filed lateafter the legal deadline 262 d View
Positive: Among the best 18% on solvencysector median 31.1% · 19,384 companies 76.5% View
Total assets 2024first fiscal year filed €61,181 View