Uptown Invest
ActiveSummary
The computed 12-month bankruptcy probability of Uptown Invest is 4.4% (elevated). The 2024 annual accounts show equity of €259k and a net result of €-103k. Equity is growing by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 13% of 36375 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
24
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability15▼-50
Solvency32▼-3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
4.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.08 against 1.11 in 2023; short-term debt: 92.6% and cash: 0.1% of total assets), and 92.6% 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.
+raises risk○neutral
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
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
7.4%
Return on assets
-3%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 36375 sector peers (2024).
NBB · sector comparisonPosition among 36375 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-10-2025, 88 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
88 d late
2023
68 d late
2022
21 d late
2021
5 d early
2020
40 d late
2019
68 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€259k▼ 28.6%
2023 · €362k
2019: €3k
2020: €302k
2021: €250k
2022: €307k
2023: €362k
2019 → 2024
Total assets
€3.49M▼ 6.2%
2023 · €3.72M
2019: €996k
2020: €443k
2021: €1.65M
2022: €3.54M
2023: €3.72M
2019 → 2024
Net result
€-103k
2023 · €55k
2019: €-15k
2020: €299k
2021: €-52k
2022: €57k
2023: €55k
2019 → 2024
Working capital
€257k▼ 28.5%
2023 · €360k
2019: €3k
2020: €302k
2021: €250k
2022: €304k
2023: €360k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€302k-€250k▼ 17.1%€307k▲ 22.7%€362k▲ 17.9%€259k▼ 28.6%
Operating result€405k-€-52k€76k€93k▲ 21.6%€-98k
Net result€299k-€-52k€57k€55k▼ 3.0%€-103k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €98k after €93k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.49M
Fixed assets
€1k ▼ 42.8%
Current assets
€3.49M ▼ 6.2%
Equity and liabilities €3.49M
Equity
€259k ▼ 28.6%
Debt
€3.23M ▼ 3.8%
Debt's share of the balance-sheet total rises from 90.3% to 92.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-97k▼
2023 · €94k
Cash flow
€-103k▼
2023 · €56k
Current ratio
1.08▼
2023 · 1.11
Quick ratio
0.05▼
2023 · 0.12
Debt to equity
12.50▲
2023 · 9.28
ROE
-40.0%▼
2023 · 15.2%
ROA
-3.0%▼
2023 · 1.5%
Interest coverage
-19.15▼
2023 · 5.31
Debt ≤ 1 year
€3.23M▼
2023 · €3.36M
Income taxes
€0▼
2023 · €20k
Staff costs
€1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 45 lines
Balance sheet
Code20232024
Assets
Total assets20/58€3.72M€3.49M▼
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€777▼
Furniture and vehicles24€2k€777▼
Financial fixed assets28€450€450=
Current assets29/58€3.72M€3.49M▼
Stocks and contracts in progress3€3.32M€3.34M▲
Stocks30/36€3.32M€3.34M▲
Amounts receivable within one year40/41€206k€145k▼
Trade receivables40€594€7k▲
Other amounts receivable41€206k€139k▼
Cash at bank and in hand54/58€193k€3k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€3.72M€3.49M▼
Equity10/15€362k€259k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€343k€240k▼
Amounts payable17/49€3.36M€3.23M▼
Amounts payable within one year42/48€3.36M€3.23M▼
Current portion of amounts payable after more than one year42€2.32M€2.04M▼
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€11k€13k▲
Suppliers440/4€11k€13k▲
Taxes, remuneration and social security45€20k€25k▲
Taxes450/3€20k€20k▲
Remuneration and social security454/9-€5k
Other amounts payable47/48€1.01M€1.15M▲
Income statement
Code20232024
Non-recurring operating income76A-€21k
Remuneration, social security and pensions62-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€919€919=
Other operating charges640/8€12k€11k▼
Non-recurring operating charges66A-€98
Gross operating margin9900€106k€-85k▼
Operating profit (loss)9901€93k€-98k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€18k€5k▼
Recurring financial charges65€18k€5k▼
Profit (loss) for the period before taxes9903€75k€-103k▼
Income taxes67/77€20k€0▼
Profit (loss) for the period9904€55k€-103k▼
Profit (loss) for the period to be appropriated9905€55k€-103k▼
Appropriation of the result
Profit (loss) to be appropriated9906€343k€240k▼
Profit (loss) brought forward from the previous period14P€288k€343k▲
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
2025
27-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 88 days late
2024
31-12
Financial
Weakest financial yearnet €-103k ▼288%
Net result drops to €-103k, the lowest in the series.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
31-12
Financial
Back to profitnet €57k
Net result €57k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 40 days late
2020
31-12
Financial
Back to profitnet €299k
Net result €299k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.13
Current ratio from 1.00 to 3.13; short-term debt falls from €993k to €142k.
31-12
Financial
Equity above €200kEq €302k ▲9534%
Equity rises from €3k to €302k.
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Elsene · 1 establishment unit since 2018
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.
Louizalaan 541050 ElseneGround area
5,154 m²
Building footprint
3,164 m²
Volume, LiDAR
79,062 m³
2 parcels, Brussels · tallest building 38.1 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Uptown Invest
since 20182.288.778.643
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21822R0226/00W011 | Brussels | 3,529 m² | 1 · 1,878 m² | 38.1 m · 7 fl. |
| 21807G0001/00L000 | Brussels | 1,625 m² | 1 · 1,286 m² | 33.9 m · 9 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,587 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2018
Fiscal year end31-12
Abbreviation FR
"Uptown" ou "Up town" ou "Up Invest"
Activities, NACEBEL 2025
43990Other specialised construction activities
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.