Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 43 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
U-pendo from Kapellen, company number BE0758733406, closed financial year 2025 with a result of € 58,455 after tax. For that financial year U-pendo recorded a gross margin of € 91,796 and equity of € 17,560. Compared with financial year 2024, the result moved from € 64,152 to € 58,455. The company is profitable. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 9, 2026.
€ 17,560
▼ 30% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 58,455
▼ 9% vs 2024
Profit after tax over the fiscal year.
€ 17,966
▼ 73% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 66,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 27,475
▼ 26% vs 2024
Of which on lease € 22,204.
Debts at end 2025
€ 21,358
▼ 28% vs 2024
€ 8,534 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 4,208
▲ 70% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 12,660
▼ 52% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 66,068 | € 90,073 | € 92,414 | € 91,796 | ▼ 1% |
| Profit after taxes | € 46,644 | € 60,454 | € 64,152 | € 58,455 | ▼ 9% |
| Equity | € 46,499 | € 106,953 | € 25,105 | € 17,560 | ▼ 30% |
| Total debts | € 30,709 | € 80,876 | € 204,247 | € 104,226 | ▼ 49% |
| Cash | € 20,900 | € 30,599 | € 67,338 | € 17,966 | ▼ 73% |
| Retained profit | € 45,499 | € 105,953 | € 24,105 | € 16,560 | ▼ 31% |
| Dividend | € 0 | € 0 | € 146,000 | € 66,000 | ▼ 55% |
| Bank debt | € 7,138 | € 41,353 | € 29,485 | € 21,358 | ▼ 28% |
| Balance sheet total | € 77,208 | € 187,829 | € 229,352 | € 121,786 | ▼ 47% |
Key figures of U-pendo, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to U-pendo?
What happened at U-pendo in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 58,455 (▼ 9% vs 2024). Source: NBB ↗
- New establishment in Kapellen. KBO
- Bart Couwels became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 46,644 profit in 2022 to € 58,455 profit in 2025.
Paid € 72,355 in corporate taxes since 2022.
Best year ever: 2024, with € 64,152 profit.
Paid out € 212,000 in dividends to the owners in total.
Management
Behind U-pendo is Bart Couwels. Bart Couwels is also behind Coliberate.
Directors
According to the 2025 annual accounts
since 2020
Establishments
Establishment units
Physical locations of this company
Heirust 5
2950 Kapellen
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0758.733.406
- VAT number
- BE 0758.733.406
- Registered office
- Heirust 5, 2950 Kapellen
- Names & denominations
- U-pendo
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 25 November 2020
- Peppol
- Active · Active since 26 Jul 2024
- Activities · NACE
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering
Overige vormen van onderwijs
Overige zakelijke dienstverlening, neg