Turnover
≈ €160,000 estimated
The micro format states no turnover.
UPTIMAL
Lifetime
1 annual account with figurespeak €56,181 (2025)
€56,181
peak €35,345 (2025)
€35,345
peak €37,845 (2025)
€37,845
€21,490
Board1 name since 2025
1 directorERNSTBERGER Sacha
Documentsfilings and deeds
31-07-2026on the last day
2025micro format
Incorporation 17-011 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsChecked score
96
Excellent
Financially stronger than 67% of micro companies in human health (NACE 86)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 24,185 companies (NACE 86, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
02-2026: 0.3%
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.4%▲ +0.1 percentage points vs 06-2026highest value
08-2026: < 0.1%▼ -0.4 percentage points vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Sector: Human health activities (NACE 86)
Liquidity: current ratio 2.57, cash €37,074
Size: total assets €59,335
Equity €37,845 (63.8% of total assets)
Calculation
The band follows from the bankruptcy probability. 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 86, micro). It does better than 51% of them on solvency, 69% on liquidity and 80% on profitability.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as UPTIMAL has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of UPTIMAL itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for UPTIMAL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €3,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.57, above the usual 1.5. Short-term debt is 32.1% and cash 62.5% of total assets. 36.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2025, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 31-07-2026, 0 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
on the day
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1018787238
Incorporation
Founding capital of €2,500, 100 shares · Appointment: ERNSTBERGER Sacha, Nissim (director) · Founder: ERNSTBERGER Sacha, Nissim · published on 17-01-2025 · Gazette deed
First establishment
Tenbosstraat 19, Ixelles
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| UPTIMAL Molenbeek-Saint-Jean | €59,335 | €56,181 | 63.8% | - |
| DELAVALLEE THOMAS Leuze-en-Hainaut | €59,524 | €56,635 | 73.9% | - |
| Lieke Maes Hechtel-Eksel | €58,735 | €54,721 | 68.0% | - |
| Eline Van Bel Beveren-Kruibeke-Zwijndrecht | €55,076 | €58,487 | 87.5% | - |
| WYTINCK RUDY Evergem | €59,918 | €56,813 | 65.7% | - |
| MOVE WITH HANNE Malle | €56,538 | €59,576 | 80.8% | - |
| CABINET PARAMEDICAL PHYSIOMED Binche | €65,563 | €55,340 | 66.0% | - |
These companies have the same main activity as UPTIMAL: physiotherapy (NACE 86951). They are comparable in size and age: total assets between €55,100 and €65,600, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 16-01-2025Normal situation
- Registered office
- 24 active companies are registered at this address1 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- PhysiotherapyNACE 86951and 1 other
- Establishment unit
- 2.368.732.2781050 Ixelles, since 16-01-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 05-04-2026
Annual accounts 2025
- €59,335
- Filing
- Filed on 31-07-2026, on the last day of the filing period
Insights on UPTIMAL
UPTIMAL has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37,845 and a net result of €35,345.
Its solvency ranks better than 51% of 20,767 sector peers (NACE 86, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about UPTIMAL
- What is the company number of UPTIMAL?
- The company number of UPTIMAL is 1018.787.238. The VAT number is the same number with BE in front: BE 1018.787.238.
- Where is UPTIMAL based?
- The registered office is at Koolmijnenkaai 68, 1080 Molenbeek-Saint-Jean.Company details
- What does UPTIMAL do?
- According to the KBO register, the main activity is physiotherapy (NACE 86951).
- What is the legal form of UPTIMAL?
- UPTIMAL is a private limited company (BV).
- When was UPTIMAL founded?
- UPTIMAL was founded on 16-01-2025.
- Is UPTIMAL still active?
- Yes, UPTIMAL is an active enterprise in the KBO register.
- What is the turnover of UPTIMAL?
- The turnover in financial year 2025 is ≈ €160,000. This figure is estimated from the gross margin of €56,181 and 33 comparable companies (NACE 869). It probably lies between €100,000 and €230,000.Financials
- Is UPTIMAL profitable?
- In financial year 2025, UPTIMAL made a profit of €35,345.
- Where can I find the annual accounts of UPTIMAL?
- UPTIMAL filed 1 annual account with the National Bank of Belgium, for financial year 2025.
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