Ande
ActiveSummary
Ande has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€42,815) and a net result of -€7,618. Equity is shrinking by ~48.4% per year across the filed fiscal years. Its solvency ranks better than 5% of 2067 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth55▲+6
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer bankruptcies
← 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 2025Age of the figures
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year -€42,815
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 01-07-2026, 30 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
30 d early
2024
38 d early
2023
2 d late
2022
45 d early
2021
26 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 27 days before the deadline; the sector median for financial year 2024 is 16 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€23,101▲ 77.3%
2024 · €13,031
EBIT margin
-32.5%▲ 76.6pp
2024 · -109.1%
Net result
-€7,618▲ 46.8%
2024 · -€14,323
Working capital
-€46,488▼ 11.7%
2024 · -€41,605
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 85, Education, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€8,615-€4,209▼ 51.1%€1,992▼ 52.7%€13,031▲ 554%€23,101▲ 77.3%
Operating result-€4,827--€8,366▼ 73.3%-€8,952▼ 7.0%-€14,215▼ 58.8%-€7,516▲ 47.1%
Net result-€4,827below the sector's middle half--€8,466below the sector's middle half▼ 75.4%-€9,081below the sector's middle half▼ 7.3%-€14,323below the sector's middle half▼ 57.7%-€7,618below the sector's middle half▲ 46.8%
EBIT margin-56.0%--198.8%▼ 142.7pp-449.4%▼ 250.6pp-109.1%▲ 340.3pp-32.5%▲ 76.6pp
Equity-€3,327below the sector's middle half--€11,793below the sector's middle half▼ 254%-€20,874below the sector's middle half▼ 77.0%-€35,198below the sector's middle half▼ 68.6%-€42,815below the sector's middle half▼ 21.6%
Total assets€16,626below the sector's middle half-€14,026below the sector's middle half▼ 15.6%€11,009below the sector's middle half▼ 21.5%€7,789below the sector's middle half▼ 29.3%€4,132below the sector's middle half▼ 47.0%
Debt€19,954-€25,819▲ 29.4%€31,883▲ 23.5%€42,986▲ 34.8%€46,947▲ 9.2%
Working capital-€15,011--€23,870▼ 59.0%-€30,116▼ 26.2%-€41,605▼ 38.1%-€46,488▼ 11.7%
Solvency-20.0%below the sector's middle half--84.1%below the sector's middle half▼ 64.1pp-189.6%below the sector's middle half▼ 105.5pp-451.9%below the sector's middle half▼ 262.3pp
above
within
below
the middle half (P25 to P75) of NACE 85, Education, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7,516 in 2025 against €14,215 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4,132
Fixed assets
€3,673 ▼ 42.7%
Current assets
€458 ▼ 66.8%
Key figures and ratios
EBITDA
-€4,782▲
2024 · -€11,380
Cash flow
-€4,884▲
2024 · -€11,488
Interest coverage
-46.93▲
2024 · -104.99
Debt ≤ 1 year
€46,947▲
2024 · €42,986
Ratios withheld: a balance sheet total of €4,132 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,035 companies that looked in July 2024 the way this one looks now, 7.2% went bankrupt within 24 months and 82% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a loss of 10% of the balance sheet or more
7.2%
went bankrupt
8.2%
stopped otherwise
82%
still going
A further 2.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,035 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €8,615 | €4,209 | €1,992 | €13,031 | €23,101 | ▲ 77.3% |
| Goods, raw materials, services and sundry goods60/61 | €9,248 | €9,073 | €7,627 | €24,884 | €27,227 | ▲ 9.4% |
| Remuneration, social security and pensions62 | €0 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,816 | €2,722 | €2,835 | €2,835 | €2,734 | ▼ 3.6% |
| Other operating charges640/8 | €379 | €554 | €482 | €517 | €656 | ▲ 26.8% |
| Non-recurring operating charges66A | - | €226 | €0 | - | - | - |
| Gross operating margin9900 | -€632 | -€4,864 | -€5,635 | -€10,863 | -€4,126 | ▲ 62.0% |
| Operating profit (loss)9901 | -€4,827 | -€8,366 | -€8,952 | -€14,215 | -€7,516 | ▲ 47.1% |
| Financial charges65/66B | - | €100 | €129 | €108 | €102 | ▼ 6.0% |
| Recurring financial charges65 | - | €100 | €129 | €108 | €102 | ▼ 6.0% |
| Profit (loss) for the period before taxes9903 | -€4,827 | -€8,466 | -€9,081 | -€14,323 | -€7,618 | ▲ 46.8% |
| Profit (loss) for the period9904 | -€4,827 | -€8,466 | -€9,081 | -€14,323 | -€7,618 | ▲ 46.8% |
| Profit (loss) for the period to be appropriated9905 | -€4,827 | -€8,466 | -€9,081 | -€14,323 | -€7,618 | ▲ 46.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €16,626 | €14,026 | €11,009 | €7,789 | €4,132 | ▼ 47.0% |
| Formation expenses20 | €0 | - | - | - | - | - |
| Fixed assets21/28 | €11,684 | €12,077 | €9,242 | €6,407 | €3,673 | ▼ 42.7% |
| Intangible fixed assets21 | €9,105 | €10,957 | €8,529 | €6,101 | €3,673 | ▼ 39.8% |
| Tangible fixed assets22/27 | €2,578 | €1,120 | €713 | €306 | €0 | ▼ 100% |
| Plant, machinery and equipment23 | €2,578 | €1,120 | €713 | €306 | €0 | ▼ 100% |
| Current assets29/58 | €4,943 | €1,949 | €1,767 | €1,381 | €458 | ▼ 66.8% |
| Amounts receivable within one year40/41 | - | €338 | €0 | - | - | - |
| Other amounts receivable41 | - | €338 | €0 | - | - | - |
| Cash at bank and in hand54/58 | €4,943 | €1,016 | €695 | €1,206 | €275 | ▼ 77.2% |
| Deferred charges and accrued income490/1 | - | €595 | €1,072 | €176 | €183 | ▲ 4.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €16,626 | €14,026 | €11,009 | €7,789 | €4,132 | ▼ 47.0% |
| Equity10/15 | -€3,327 | -€11,793 | -€20,874 | -€35,198 | -€42,815 | ▼ 21.6% |
| Contributions10/11 | €1,500 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Profit (loss) carried forward14 | -€4,827 | -€13,293 | -€22,374 | -€36,698 | -€44,315 | ▼ 20.8% |
| Provisions and deferred taxes16 | €0 | - | - | - | - | - |
| Amounts payable17/49 | €19,954 | €25,819 | €31,883 | €42,986 | €46,947 | ▲ 9.2% |
| Amounts payable within one year42/48 | €19,954 | €25,819 | €31,883 | €42,986 | €46,947 | ▲ 9.2% |
| Trade debts44 | €1,848 | - | €19 | €363 | €722 | ▲ 99.1% |
| Suppliers440/4 | €1,848 | - | €19 | €363 | €722 | ▲ 99.1% |
| Taxes, remuneration and social security45 | €20 | - | - | €244 | €462 | ▲ 89.4% |
| Taxes450/3 | €20 | - | - | €244 | €462 | ▲ 89.4% |
| Other amounts payable47/48 | €18,086 | €25,819 | €31,864 | €42,379 | €45,763 | ▲ 8.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€4,827 | -€8,466 | -€9,081 | -€14,323 | -€7,618 | ▲ 46.8% |
| + Depreciation and write-downs630 | €3,816 | €2,722 | €2,835 | €2,835 | €2,734 | ▼ 3.6% |
| Operating cash flow (approximation) | -€1,011 | -€5,744 | -€6,246 | -€11,488 | -€4,884 | ▲ 57.5% |
| Investment in fixed assets (approximation) | - | -€3,115 | €0 | -€0 | €0 | ▲ 100% |
| Change in cash | - | -€3,927 | -€321 | €511 | -€931 | ▼ 282% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€14,323
Net result drops to -€14,323, the lowest in the series; recovery starts the following year.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Kortrijk · 1 establishment unit since 2021
Ground area
2,757 m²
Building footprint
186 m²
Volume, LiDAR
993 m³
Parcel 34026B0411/00Y000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ande
since 20212.313.302.124
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34026B0411/00Y000 | Flanders | 2,757 m² | 1 · 186 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 1,230 EUR awarded · 1,230 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 990 EUR | 990 EUR |
| 2022 | 1 | 240 EUR | 240 EUR |
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 13,507 companies in sector 85510 we hold annual accounts for 720. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
85510Sports and recreation education
Contact
E-mail
anneleen@jouwkinderwenscoach.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0762647652
Registered
20-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.