UPM-Consulting
ActiveUPM-Consulting has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €2k. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 93% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-9
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 10.06 against 5.9 in 2024; short-term debt: 9.3% and cash: 93.5% of total assets), and 10.3% of the assets are financed with debt.
Credit advice 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 43
Relative position
BE, all sectors
reference
Sector 43
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
89.7%
Return on assets
4.7%
Age of the figures
12 mo
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 13-03-2026, 48 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
48 d early
2024
33 d early
2023
40 d early
2022
32 d early
2021
30 d early
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▲ 5.5%
2024 · €35k
2018: €15k
2019: €17k
2020: €10k
2021: €13k
2022: €27k
2023: €30k
2024: €35k
2018 → 2025
Total assets
€41k▼ 1.5%
2024 · €42k
2018: €47k
2019: €33k
2020: €16k
2021: €19k
2022: €34k
2023: €36k
2024: €42k
2018 → 2025
Net result
€2k▼ 62.3%
2024 · €5k
2018: €-6k
2019: €2k
2020: €-7k
2021: €4k
2022: €14k
2023: €3k
2024: €5k
2018 → 2025
Working capital
€35k▲ 10.6%
2024 · €31k
2018: €7k
2019: €9k
2020: €4k
2021: €12k
2022: €27k
2023: €25k
2024: €31k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€27k▲ 103%€30k▲ 11.2%€35k▲ 17.1%€37k▲ 5.5%
Operating result€4k-€15k▲ 289%€4k▼ 70.3%€8k▲ 77.5%€3k▼ 60.4%
Net result€4k-€14k▲ 270%€3k▼ 77.8%€5k▲ 69.8%€2k▼ 62.3%
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 60% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €41k
Fixed assets
€3k▼ 35.0%
Current assets
€39k▲ 2.0%
Equity and liabilities €41k
Equity
€37k▲ 5.5%
Debt
€4k▼ 37.7%
The debt ratio falls from 16.3% to 10.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€5k▼
2024 · €9k
Cash flow
€3k▼
2024 · €7k
Solvency
89.7%▲
2024 · 83.7%
Current ratio
10.06▲
2024 · 5.90
Quick ratio
10.06▲
2024 · 5.90
Debt / equity
0.11▼
2024 · 0.19
ROE
5.2%▼
2024 · 14.6%
ROA
4.7%▼
2024 · 12.3%
Interest coverage
104.31▼
2024 · 267.95
Debt
€4k▼
2024 · €7k
Debt ≤ 1 year
€4k▼
2024 · €6k
Income taxes
€1k▼
2024 · €3k
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€42k€41k▼
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€4k€3k▼
Current assets29/58€38k€39k▲
Stocks and contracts in progress3€0-
Stocks30/36€0-
Contracts in progress37€0-
Amounts receivable within one year40/41€12k€0▼
Trade receivables40€12k€0▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€26k€38k▲
Deferred charges and accrued income490/1€41€98▲
Equity and liabilities
Total equity and liabilities10/49€42k€41k▼
Equity10/15€35k€37k▲
Contributions10/11€6k€6k=
Reserves13€29k€31k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€29k€31k▲
Amounts payable17/49€7k€4k▼
Amounts payable within one year42/48€6k€4k▼
Trade debts44€0-
Suppliers440/4€0-
Taxes, remuneration and social security45€6k€2k▼
Taxes450/3€6k€2k▼
Other amounts payable47/48€611€2k▲
Accrued charges and deferred income492/3€387€400▲
Income statement
Code20242025
Non-recurring operating income76A€5k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€569€585▲
Gross operating margin9900€10k€5k▼
Operating profit (loss)9901€8k€3k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€35€44▲
Recurring financial charges65€35€44▲
Profit (loss) for the period before taxes9903€8k€3k▼
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€5k€2k▼
Profit (loss) for the period to be appropriated9905€5k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€2k▼
Transfer to equity691/2€5k€2k▼
To other reserves6921€5k€2k▼
The notes to these accounts (12 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
13-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €14k ▲270%
Operating result €15k, net result €14k, both a record.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €-7k ▼554%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Essen · 1 establishment unit since 2003
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.
Horendonk 2952910 EssenGround area
1.0 ha
Building footprint
714 m²
Volume, LiDAR
3,103 m³
Parcel 11016A0812/00E000, Flanders · tallest building 18.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
UPM-Consulting
since 20032.134.995.833
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11016A0812/00E000 | Flanders | 1.0 ha | 1 · 714 m² | 18.9 m · 1 fl. |
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.
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JANPOL
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IMMO NIKOS
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VALY CONCEPT
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Of 8,456 companies in sector 43120 we hold annual accounts for 3,233. 2,352 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2003
Fiscal year end30-09
Activities, NACEBEL
43120Site preparation
45112
43130Specialised construction activities
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
71209Other technical testing and analysis
74142
74203
74302
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:03/677 33 66