UPARTNER
ActiveSummary
The computed 12-month bankruptcy probability of UPARTNER is 1.7% (moderate). The 2025 annual accounts show equity of €115,345 and a net result of €32,093. Equity is growing by ~56.1% per year across the filed fiscal years. Its solvency ranks better than 29% of 7114 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability78▼-8
Solvency51▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.22 against 1.31 in 2024; short-term debt: 37.9% and cash: 12.1% of total assets), and 74% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
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
26%
Return on assets
7.2%
Age of the figures
15 mo
raises risk · Filed more than 90 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-06-2026, 129 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 · 5 filingsDeviation from the deadline
2025
129 d late
2024
4 d late
2023
on the day
2022
27 d late
2021
21 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 36 days after the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 21 February (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€187,473▼ 33.3%
2021 · €281,190
EBIT margin
5.2%▼ 7.5pp
2021 · 12.8%
Net result
€32,093▼ 42.5%
2024 · €55,810
Working capital
€36,642▼ 11.8%
2024 · €41,540
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 73, Advertising, market research and public relations activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€281,190-€187,473▼ 33.3%
Operating result€35,943-€9,837▼ 72.6%€7,437▼ 24.4%€83,698▲ 1,025%€50,744▼ 39.4%
Net result€28,795within the sector's middle half-€4,920within the sector's middle half▼ 82.9%€1,726within the sector's middle half▼ 64.9%€55,810above the sector's middle half▲ 3,133%€32,093within the sector's middle half▼ 42.5%
EBIT margin12.8%-5.2%▼ 7.5pp
Equity€20,795within the sector's middle half-€25,715within the sector's middle half▲ 23.7%€27,442within the sector's middle half▲ 6.7%€83,252within the sector's middle half▲ 203%€115,345within the sector's middle half▲ 38.5%
Total assets€164,577within the sector's middle half-€317,312within the sector's middle half▲ 92.8%€378,411above the sector's middle half▲ 19.3%€402,448above the sector's middle half▲ 6.4%€443,024above the sector's middle half▲ 10.1%
Debt€143,782-€291,597▲ 103%€350,969▲ 20.4%€319,196▼ 9.1%€327,679▲ 2.7%
Working capital€41,902within the sector's middle half-€18,358within the sector's middle half▼ 56.2%€26,991within the sector's middle half▲ 47.0%€41,540within the sector's middle half▲ 53.9%€36,642within the sector's middle half▼ 11.8%
Solvency12.6%below the sector's middle half-8.1%below the sector's middle half▼ 4.5pp7.3%below the sector's middle half▼ 0.9pp20.7%below the sector's middle half▲ 13.4pp26.0%within the sector's middle half▲ 5.3pp
Current ratio1.34within the sector's middle half-1.18within the sector's middle half▼ 0.171.19within the sector's middle half▲ 0.011.31within the sector's middle half▲ 0.121.22within the sector's middle half▼ 0.09
Return on assets (ROA)17.5%within the sector's middle half-1.6%within the sector's middle half▼ 15.9pp0.5%within the sector's middle half▼ 1.1pp13.9%within the sector's middle half▲ 13.4pp7.2%within the sector's middle half▼ 6.6pp
Staff (FTE)1.7
above
within
below
the middle half (P25 to P75) of NACE 73, Advertising, market research and public relations activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €443,024
Fixed assets
€238,524 ▲ 5.8%
Current assets
€204,500 ▲ 15.6%
Equity and liabilities €443,024
Equity
€115,345 ▲ 38.5%
Debt
€327,679 ▲ 2.7%
Debt's share of the balance-sheet total falls from 79.3% to 74.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€71,954▼
2024 · €99,481
Cash flow
€53,303▼
2024 · €71,593
Quick ratio
1.10▼
2024 · 1.18
Debt to equity
2.84▼
2024 · 3.83
ROE
27.8%▼
2024 · 67.0%
Interest coverage
10.74▼
2024 · 13.77
Debt ≤ 1 year
€167,858▲
2024 · €135,411
Debt > 1 year
€159,821▼
2024 · €183,785
Income taxes
€17,249▼
2024 · €22,485
Staff costs
€245,478▲
2024 · €159,912
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,713 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.8%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,713 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €281,190 | €187,473 | - | - | - | - |
| Non-recurring operating income76A | - | €11,500 | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €146,803 | - | - | - | - |
| Remuneration, social security and pensions62 | - | €57,013 | €66,365 | €159,912 | €245,478 | ▲ 53.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €420 | €1,290 | €8,846 | €15,782 | €21,210 | ▲ 34.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €1,222 | - | - | - | - |
| Other operating charges640/8 | - | €1,005 | €1,854 | €4,468 | €7,598 | ▲ 70.0% |
| Gross operating margin9900 | €71,551 | €70,369 | €84,501 | €263,861 | €325,030 | ▲ 23.2% |
| Operating profit (loss)9901 | €35,943 | €9,837 | €7,437 | €83,698 | €50,744 | ▼ 39.4% |
| Financial income75/76B | - | €47 | €48 | €1,821 | €5,299 | ▲ 191% |
| Recurring financial income75 | €17 | €47 | €48 | €1,821 | €5,299 | ▲ 191% |
| Financial charges65/66B | - | €2,912 | €4,811 | €7,224 | €6,701 | ▼ 7.2% |
| Recurring financial charges65 | €2,048 | €2,912 | €4,811 | €7,224 | €6,701 | ▼ 7.2% |
| Profit (loss) for the period before taxes9903 | €33,912 | €6,973 | €2,673 | €78,295 | €49,342 | ▼ 37.0% |
| Income taxes67/77 | €5,117 | €2,052 | €947 | €22,485 | €17,249 | ▼ 23.3% |
| Profit (loss) for the period9904 | €28,795 | €4,920 | €1,726 | €55,810 | €32,093 | ▼ 42.5% |
| Profit (loss) for the period to be appropriated9905 | €28,795 | €4,920 | €1,726 | €55,810 | €32,093 | ▼ 42.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €164,577 | €317,312 | €378,411 | €402,448 | €443,024 | ▲ 10.1% |
| Fixed assets21/28 | €1,009 | €196,546 | €206,751 | €225,497 | €238,524 | ▲ 5.8% |
| Intangible fixed assets21 | - | - | - | - | €4,408 | - |
| Tangible fixed assets22/27 | €780 | €196,318 | €206,472 | €225,219 | €230,837 | ▲ 2.5% |
| Land and buildings22 | - | €195,073 | €188,540 | €200,440 | €200,785 | ▲ 0.2% |
| Plant, machinery and equipment23 | - | €540 | €16,680 | €16,732 | €11,730 | ▼ 29.9% |
| Furniture and vehicles24 | - | €704 | €1,252 | €8,046 | €18,322 | ▲ 128% |
| Financial fixed assets28 | €229 | €229 | €279 | €279 | €3,279 | ▲ 1,077% |
| Current assets29/58 | €163,569 | €120,766 | €171,660 | €176,951 | €204,500 | ▲ 15.6% |
| Amounts receivable after more than one year29 | - | - | - | €70,914 | €25,603 | ▼ 63.9% |
| Other amounts receivable291 | - | - | - | €70,914 | €25,603 | ▼ 63.9% |
| Stocks and contracts in progress3 | €68,235 | €75,693 | €8,000 | €17,668 | €20,168 | ▲ 14.1% |
| Stocks30/36 | - | €75,693 | - | €17,668 | €20,168 | ▲ 14.1% |
| Contracts in progress37 | - | - | €8,000 | - | - | - |
| Amounts receivable within one year40/41 | €86,753 | €35,910 | €101,203 | €66,496 | €95,448 | ▲ 43.5% |
| Trade receivables40 | - | €35,910 | €101,203 | €66,448 | €86,130 | ▲ 29.6% |
| Other amounts receivable41 | - | - | - | €48 | €9,319 | ▲ 19,428% |
| Current investments50/53 | - | - | €32,000 | - | - | - |
| Cash at bank and in hand54/58 | €8,581 | €4,435 | €24,885 | €6,141 | €53,457 | ▲ 771% |
| Deferred charges and accrued income490/1 | - | €4,729 | €5,571 | €15,733 | €9,824 | ▼ 37.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €164,577 | €317,312 | €378,411 | €402,448 | €443,024 | ▲ 10.1% |
| Equity10/15 | €20,795 | €25,715 | €27,442 | €83,252 | €115,345 | ▲ 38.5% |
| Contributions10/11 | - | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Reserves13 | €5,000 | €9,920 | €11,647 | €67,457 | €99,550 | ▲ 47.6% |
| Distributable reserves133 | - | €9,920 | €11,647 | €67,457 | €99,550 | ▲ 47.6% |
| Profit (loss) carried forward14 | €5,795 | €5,795 | €5,795 | €5,795 | €5,795 | = |
| Amounts payable17/49 | €143,782 | €291,597 | €350,969 | €319,196 | €327,679 | ▲ 2.7% |
| Amounts payable after more than one year17 | €22,016 | €189,189 | €206,300 | €183,785 | €159,821 | ▼ 13.0% |
| Financial debts170/4 | - | €189,189 | €206,300 | €183,785 | €159,821 | ▼ 13.0% |
| Amounts payable within one year42/48 | €121,667 | €102,409 | €144,668 | €135,411 | €167,858 | ▲ 24.0% |
| Current portion of amounts payable after more than one year42 | - | €14,828 | €26,891 | €47,202 | €43,782 | ▼ 7.2% |
| Trade debts44 | €52,044 | €51,303 | €74,701 | €12,476 | €38,006 | ▲ 205% |
| Suppliers440/4 | - | €51,303 | €74,701 | €12,476 | €38,006 | ▲ 205% |
| Advances received on contracts in progress46 | - | - | €8,483 | €19,063 | - | - |
| Taxes, remuneration and social security45 | - | €24,101 | €32,077 | €56,549 | €75,274 | ▲ 33.1% |
| Taxes450/3 | - | €14,596 | €17,064 | €13,449 | €28,879 | ▲ 115% |
| Remuneration and social security454/9 | - | €9,505 | €15,013 | €43,100 | €46,395 | ▲ 7.6% |
| Other amounts payable47/48 | - | €12,177 | €2,517 | €121 | €10,796 | ▲ 8,822% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €28,795 | €4,920 | €1,726 | €55,810 | €32,093 | ▼ 42.5% |
| + Depreciation and write-downs630 | €420 | €1,290 | €8,846 | €15,782 | €21,210 | ▲ 34.4% |
| Operating cash flow (approximation) | €29,215 | €6,211 | €10,572 | €71,593 | €53,303 | ▼ 25.5% |
| Investment in fixed assets (approximation) | - | -€196,828 | -€19,050 | -€34,529 | -€34,237 | ▲ 0.8% |
| Change in cash | - | -€4,146 | €20,450 | -€18,744 | €47,316 | ▲ 352% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 129 days late
2025
30-06
Financial
Equity above €100,000Eq €115,345 ▲38.5%
5 profitable years in a row build equity to €115,345.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
30-06
Financial
Highest result since 2021net €55,810 ▲3,133%
Operating result €83,698, net result €55,810, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €1,726 ▼64.9%
Net result drops to €1,726, the lowest in the series; recovery starts the following year.
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
21-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Namur · 2 establishment units since 2020
Ground area
1,844 m²
Building footprint
483 m²
Volume, LiDAR
5,026 m³
2 parcels, Wallonia · tallest building 17.5 m, ±5 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
2 establishment units
UPARTNER
since 20202.300.234.442
UPartner
since 20222.334.841.468
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302E0009/00E004 | Wallonia | 1,420 m² | 1 · 372 m² | 17.4 m · 5 fl. |
| 92121A0924/00C008 | Wallonia | 423 m² | 1 · 111 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,863 companies in sector 73110 we hold annual accounts for 3,759. 3,016 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-03-2020
Fiscal year end30-06
Activities, NACEBEL 2025
62900Other information technology and computer services
73110Advertising agencies
70200Business and other management consultancy
85599Other education
Contact
Website
www.upartner.be/
E-mail
michael@upartner.be
Phone
071/12 88 07
E-mail
info@upartner.beSambreville
E-invoicing
Reachable via Peppol
Peppol ID
0208:0745352948
Also
9925:BE0745352948
Registered
26-11-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.