Skip to content

USTOPE

Active
Graaf Wichmanstraat 19 ·9070 Destelbergen, Belgium
KBO/BCE: BE 0789.800.823
Watch Print / PDF
Age3 yrs
Connections1
Real estate1 parcel · 668 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of USTOPE is 0.4% (very low). The 2025 annual accounts show equity of €3k and a net result of €81k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 4723 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

2 signals · with evidence
Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 4723 sector peers (2025).
View the sector comparison
Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-06-2026, 60 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 01-06-2026 60 d early 2026-00128553
31-12-2024 31-07-2025 03-07-2025 28 d early 2025-00222694
31-12-2023 31-07-2024 26-06-2024 35 d early 2024-00164521
31-12-2022 31-07-2023 19-07-2023 12 d early 2023-00248288

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.4% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€81k+57.3%
Working capital€-30k

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 01-06-2026 with the NBB · fiscal year 2025 · micro
€0€50k€100kOperating result 2022: €13k€13kNet result 2022: €10k€10kOperating result 2023: €60k€60kNet result 2023: €46k€46kOperating result 2024: €66k€66kNet result 2024: €51k€51kOperating result 2025: €101k€101kNet result 2025: €81k€81k2022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile Too volatile to project: the yearly deviation from the trend is ~76% of the level (threshold 35%). We therefore deliberately show no projection line.
€0€50k€100k2022: €13k2023: €59k2024: €110k2025: €3k2022202320242025
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 1.9% 55.5%
better than 10% of 4723 sector peers
Net result €81k €38k
better than 77% of 4722 sector peers
Equity €3k €64k
better than 11% of 4723 sector peers
Gross operating margin €123k €61k
better than 80% of 4715 sector peers
Total assets €156k €146k
better than 53% of 4723 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P10
2022: P31 · n=68462023: P30 · n=100762024: P45 · n=124642025: P10 · n=47232022 2025
Stable position over 2022-2025 · n=4723-12464
Net result P77
2022: P31 · n=68452023: P66 · n=100702024: P66 · n=124662025: P77 · n=47222022 2025
Improving position over 2022-2025 · n=4722-12466
Equity P11
2022: P22 · n=68542023: P54 · n=100832024: P69 · n=124722025: P11 · n=47232022 2025
Improving position over 2022-2025 · n=4723-12472
Gross operating margin P80
2022: P24 · n=68332023: P61 · n=100562024: P68 · n=124522025: P80 · n=47152022 2025
Improving position over 2022-2025 · n=4715-12452
Describes the position versus peers, not a forecast.
EBITDA
€121k
+49.7% 22-25
Net profit
€81k
+57.3% 22-25
Cash flow
€100k
+51.6% 22-25
Total assets
€156k
-20.5% 22-25
Equity
€3k
-97.3% 22-25
Working capital
€-30k
- 22-25
Income taxes
€23k
+62.6% 22-25
Dividends
€188k
- 22-25
Debt
€153k
+77.2% 22-25
Debt ≤ 1y
€121k
+135.2% 22-25
Debt > 1y
€33k
-2.7% 22-25
Current ratio
0.75
-72.3% 22-25
Quick ratio
0.75
-72.3% 22-25
Solvency
1.9%
-96.6% 22-25
Debt / equity
51.13
+6402.7% 22-25
ROE
2684.9%
+5672.7% 22-25
ROA
51.5%
+97.8% 22-25
Interest coverage
52.17
+60.6% 22-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA€121k
Net profit€81k
Cash flow€100k
Staff costs-
Income taxes€23k
Dividends€188k
Total assets€156k
Equity€3k
Debt€153k
of which ≤ 1y€121k
of which > 1y€33k
Working capital€-30k
Employees (FTE)-
Ratios (computed)
2025
Current ratio0.75
Quick ratio0.75
Working capital ratio-19.3%
Solvency1.9%
Debt / equity51.13
Long-term debt ratio10.95
Interest coverage52.17
Gross margin-
Net margin-
ROA51.5%
ROE2684.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€156k
Fixed assets 21/28€66k
Tangible fixed assets 22/27€66k
Current assets 29/58€90k
Amounts receivable within one year 40/41€76k
Cash & bank 54/58€8k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€156k
Equity 10/15€3k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€0
Amounts payable 17/49€153k
Amounts payable after one year 17€33k
Amounts payable within one year 42/48€121k
Trade debts payable within one year 44€5k
Income statement
Gross operating margin 9900€123k
Operating result 9901€101k
Financial income 75€4k
Financial charges 65€2k
Result before taxes 9903€103k
Income taxes 67/77€23k
Net result for the period 9904€81k
Result to be appropriated 9905€81k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
53 / 100 Fair
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Connections & network

1 connected company
Group structure
Lopos
We sit on their board · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Ownership & control

1 party
USTOPEBE 0789.800.823
controls
Where this company holds controlthis company sits on their board1
Lopos
1 location

Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.

Locations & real estate

Registered office

from the Crossroads Bank
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.

Graaf Wichmanstraat 199070 Destelbergen

Establishment units

1 location
USTOPE
Graaf Wichmanstraat 19, 9070 DestelbergenManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.
since 20222.334.980.238
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area668 m²
Buildings1
Building footprint109 m²
Volume (LiDAR)122 m³
Tallest building9.6 m

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44013B0306/00P002 Flanders 668 m² 1 · 109 m² 9.6 m
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health53Profitability100Solvency7Growth58Stability94
62 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 53
Profitability 100
Solvency 7
Growth 58
Stability 94

Ask AI about this company

Checked AI

Soon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.

TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soon

AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 15,322 of the 81,966 companies in this sector. 4,206 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Activiteiten van hoofdkantoren70100Vertalers en tolken74300Activiteiten van vertalers74301Activiteiten van tolken74302Overige menselijke gezondheidszorg, n.e.g.86909Activiteiten op het gebied van voeding86995Andere vormen van maatschappelijke dienstverlening zonder huisvesting, neg88999
Primary activity highlighted.
Names & trade names
Legal nameNL USTOPE
Registered office
Graaf Wichmanstraat 19
9070 Destelbergen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.