B-Languages
ActiveSummary
B-Languages has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €155k and a net result of €27k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 50% of 2053 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▲+1
Solvency69▲+15
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.74 against 1.83 in 2024; short-term debt: 32.3% and cash: 30.5% of total assets), but 55.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Eight 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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
44.1%
Return on assets
7.7%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €155k
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 19-03-2026, 134 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
134 d early
2024
122 d early
2023
100 d early
2022
97 d early
2021
87 d early
2020
22 d early
2019
52 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€155k▲ 21.0%
2024 · €128k
2018: €150k
2019: €167k▲ +11.5% vs 2018highest in 8 years
2020: €92k▼ -44.8% vs 2019lowest in 8 years
2021: €118k▲ +28.3% vs 2020
2022: €106k▼ -10.1% vs 2021
2023: €100k▼ -6.2% vs 2022
2024: €128k▲ +28.5% vs 2023
2025: €155k▲ +21.0% vs 2024
2018 → 2025
Total assets
€352k▼ 20.7%
2024 · €444k
2018: €673khighest in 8 years
2019: €563k▼ -16.4% vs 2018
2020: €543k▼ -3.6% vs 2019
2021: €477k▼ -12.1% vs 2020
2022: €377k▼ -21.0% vs 2021
2023: €420k▲ +11.3% vs 2022
2024: €444k▲ +5.9% vs 2023
2025: €352k▼ -20.7% vs 2024lowest in 8 years
2018 → 2025
Net result
€27k▼ 5.3%
2024 · €28k
2018: €21k
2019: €17k▼ -18.0% vs 2018
2020: €-75k▼ -534% vs 2019lowest in 8 years
2021: €26k▲ +135% vs 2020
2022: €-12k▼ -146% vs 2021
2023: €-7k▲ +45.2% vs 2022
2024: €28k▲ +534% vs 2023highest in 8 years
2025: €27k▼ -5.3% vs 2024
2018 → 2025
Working capital
€198k▲ 6.4%
2024 · €186k
2018: €247khighest in 8 years
2019: €195k▼ -21.0% vs 2018
2020: €197k▲ +1.2% vs 2019
2021: €120k▼ -39.4% vs 2020lowest in 8 years
2022: €124k▲ +3.6% vs 2021
2023: €142k▲ +14.5% vs 2022
2024: €186k▲ +31.1% vs 2023
2025: €198k▲ +6.4% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€118k-€106k▼ 10.1%€100k▼ 6.2%€128k▲ 28.5%€155k▲ 21.0%
2021: €118k
2022: €106k▼ -10.1% vs 2021
2023: €100k▼ -6.2% vs 2022lowest in 5 years
2024: €128k▲ +28.5% vs 2023
2025: €155k▲ +21.0% vs 2024highest in 5 years
Operating result€22k-€-11k€-8k▲ 21.5%€27k€26k▼ 3.3%
2021: €22k
2022: €-11k▼ -148% vs 2021lowest in 5 years
2023: €-8k▲ +21.5% vs 2022
2024: €27k▲ +420% vs 2023highest in 5 years
2025: €26k▼ -3.3% vs 2024
Net result€26k-€-12k€-7k▲ 45.2%€28k€27k▼ 5.3%
2021: €26k
2022: €-12k▼ -146% vs 2021lowest in 5 years
2023: €-7k▲ +45.2% vs 2022
2024: €28k▲ +534% vs 2023highest in 5 years
2025: €27k▼ -5.3% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €352k
Fixed assets
€40k ▲ 20.9%
Current assets
€312k ▼ 24.1%
Equity and liabilities €352k
Equity
€155k ▲ 21.0%
Debt
€197k ▼ 37.7%
Debt's share of the balance-sheet total falls from 71.1% to 55.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€40k▼
2024 · €40k
Cash flow
€41k▼
2024 · €42k
Current ratio
2.74▲
2024 · 1.83
Debt to equity
1.27▼
2024 · 2.46
ROE
17.4%▼
2024 · 22.2%
ROA
7.7%▲
2024 · 6.4%
Interest coverage
38.18▲
2024 · 35.66
Debt ≤ 1 year
€114k▼
2024 · €225k
Income taxes
€836▼
2024 · €1k
Staff costs
€295k▲
2024 · €244k
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 · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€444k€352k▼
Fixed assets21/28€33k€40k▲
Intangible fixed assets21€32k€39k▲
Tangible fixed assets22/27€770€457▼
Plant, machinery and equipment23€770€457▼
Financial fixed assets28€465€465=
Current assets29/58€411k€312k▼
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€88k€156k▲
Trade receivables40€88k€103k▲
Other amounts receivable41€8€53k▲
Current investments50/53€150k€0▼
Cash at bank and in hand54/58€130k€107k▼
Deferred charges and accrued income490/1€43k€48k▲
Equity and liabilities
Total equity and liabilities10/49€444k€352k▼
Equity10/15€128k€155k▲
Contributions10/11€12k€12k=
Capital10€12k€12k=
Reserves13€2k€2k=
Profit (loss) carried forward14€114k€141k▲
Amounts payable17/49€316k€197k▼
Amounts payable within one year42/48€225k€114k▼
Trade debts44€142k€62k▼
Suppliers440/4€142k€62k▼
Advances received on contracts in progress46€3k€1k▼
Taxes, remuneration and social security45€54k€50k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€51k€48k▼
Accrued charges and deferred income492/3€91k€83k▼
Income statement
Code20242025
Remuneration, social security and pensions62€244k€295k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€287k€336k▲
Operating profit (loss)9901€27k€26k▼
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€30k€28k▼
Income taxes67/77€1k€836▼
Profit (loss) for the period9904€28k€27k▼
Profit (loss) for the period to be appropriated9905€28k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€114k€141k▲
Profit (loss) brought forward from the previous period14P€86k€114k▲
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €0 | - | - | - | - |
| Remuneration, social security and pensions62 | €390k | €167k | €181k | €244k | €295k | ▲ 21.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €33k | €29k | €26k | €14k | €14k | ▲ 0.2% |
| Other operating charges640/8 | €1k | €910 | €1k | €3k | €2k | ▼ 36.3% |
| Gross operating margin9900 | €382k | €187k | €200k | €287k | €336k | ▲ 17.2% |
| Operating profit (loss)9901 | €22k | €-11k | €-8k | €27k | €26k | ▼ 3.3% |
| Financial income75/76B | €6k | €1 | €4k | €4k | €3k | ▼ 27.5% |
| Recurring financial income75 | €1k | €1 | €4k | €4k | €3k | ▼ 27.5% |
| Non-recurring financial income76B | €5k | - | - | - | - | - |
| Financial charges65/66B | €2k | €1k | €873 | €1k | €1k | ▼ 8.5% |
| Recurring financial charges65 | €2k | €1k | €873 | €1k | €1k | ▼ 8.5% |
| Profit (loss) for the period before taxes9903 | €26k | €-12k | €-6k | €30k | €28k | ▼ 6.3% |
| Income taxes67/77 | €209 | €209 | €857 | €1k | €836 | ▼ 29.4% |
| Profit (loss) for the period9904 | €26k | €-12k | €-7k | €28k | €27k | ▼ 5.3% |
| Profit (loss) for the period to be appropriated9905 | €26k | €-12k | €-7k | €28k | €27k | ▼ 5.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €477k | €377k | €420k | €444k | €352k | ▼ 20.7% |
| Fixed assets21/28 | €61k | €43k | €31k | €33k | €40k | ▲ 20.9% |
| Intangible fixed assets21 | €47k | €36k | €30k | €32k | €39k | ▲ 22.6% |
| Tangible fixed assets22/27 | €13k | €6k | €180 | €770 | €457 | ▼ 40.7% |
| Plant, machinery and equipment23 | €1k | €701 | €180 | €770 | €457 | ▼ 40.7% |
| Furniture and vehicles24 | €12k | €5k | €0 | - | - | - |
| Financial fixed assets28 | €465 | €465 | €465 | €465 | €465 | = |
| Current assets29/58 | €416k | €334k | €389k | €411k | €312k | ▼ 24.1% |
| Stocks and contracts in progress3 | €1k | €3k | €2k | €0 | - | - |
| Stocks30/36 | €1k | €3k | €2k | €0 | - | - |
| Amounts receivable within one year40/41 | €110k | €125k | €90k | €88k | €156k | ▲ 76.9% |
| Trade receivables40 | €110k | €125k | €90k | €88k | €103k | ▲ 16.7% |
| Other amounts receivable41 | - | €193 | €533 | €8 | €53k | ▲ 652,991% |
| Current investments50/53 | - | - | €125k | €150k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €296k | €141k | €131k | €130k | €107k | ▼ 17.2% |
| Deferred charges and accrued income490/1 | €8k | €65k | €41k | €43k | €48k | ▲ 12.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €477k | €377k | €420k | €444k | €352k | ▼ 20.7% |
| Equity10/15 | €118k | €106k | €100k | €128k | €155k | ▲ 21.0% |
| Contributions10/11 | - | €12k | €12k | €12k | €12k | = |
| Capital10 | - | €12k | €12k | €12k | €12k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €104k | €92k | €86k | €114k | €141k | ▲ 23.7% |
| Amounts payable17/49 | €359k | €271k | €320k | €316k | €197k | ▼ 37.7% |
| Amounts payable after more than one year17 | €14k | €0 | - | - | - | - |
| Financial debts170/4 | €14k | €0 | - | - | - | - |
| Amounts payable within one year42/48 | €296k | €210k | €247k | €225k | €114k | ▼ 49.4% |
| Current portion of amounts payable after more than one year42 | €30k | €14k | €0 | - | - | - |
| Trade debts44 | €171k | €118k | €204k | €142k | €62k | ▼ 56.0% |
| Suppliers440/4 | €171k | €118k | €204k | €142k | €62k | ▼ 56.0% |
| Advances received on contracts in progress46 | €10k | €12k | €0 | €3k | €1k | ▼ 55.9% |
| Taxes, remuneration and social security45 | €60k | €33k | €43k | €54k | €50k | ▼ 7.3% |
| Taxes450/3 | €5k | €3k | €1k | €3k | €2k | ▼ 28.6% |
| Remuneration and social security454/9 | €55k | €30k | €41k | €51k | €48k | ▼ 6.1% |
| Accrued charges and deferred income492/3 | €48k | €60k | €73k | €91k | €83k | ▼ 8.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26k | €-12k | €-7k | €28k | €27k | ▼ 5.3% |
| + Depreciation and write-downs630 | €33k | €29k | €26k | €14k | €14k | ▲ 0.2% |
| Operating cash flow (approximation) | €59k | €17k | €20k | €42k | €41k | ▼ 3.5% |
| Investment in fixed assets (approximation) | - | €-11k | €-14k | €-16k | €-21k | ▼ 28.0% |
| Change in cash | - | €-155k | €-11k | €-718 | €-22k | ▼ 3,015% |
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
14-09
State Gazette act
Admission: Isabel Hardeman (member)Appointment: Isabel Hardeman (non-statutory director) · Name change · Registered-office move6 facts ▸
State Gazette act
Admission: Isabel Hardeman (member)
Appointment: Isabel Hardeman (non-statutory director) · Name change · Registered-office move6 facts ▸
- General meeting, 20-08-2026
- Name change, B-Languages
- Member admission, Isabel Hardeman (member)
- Director appointment, Isabel Hardeman (non-statutory director)
- Registered-office move, Bischoffsheimlaan 1-8, 1000 Brussel
- Power of attorney, BV Vanhaecke, Devriendt & Rosseel
19-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €155k ▲21%
2 profitable years in a row build equity to €155k.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €128k ▲28.5%
Equity rises from €100k to €128k.
22-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
05-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
31-12
Financial
Equity above €100kEq €118k ▲28.3%
Equity rises from €92k to €118k.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Show earlier events
2020
31-12
Financial
Weakest financial yearnet €-75k
Net result drops to €-75k, the lowest in the series; recovery starts the following year.
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €150kEq €167k ▲11.5%
2 profitable years in a row build equity to €167k.
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 7 acts read
About the unread acts
Of the 7 Belgian State Gazette acts we know for this company, 1 has been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
Isabel Hardeman
CurrentNon-statutory director · since 14-09-2026
14-09-2026
Appointed as Non-statutory director
Not every act has been read: a resignation may be missing here
6 of this company's 7 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Brussel · 3 establishment units since 2014
Ground area
5,616 m²
Building footprint
3,188 m²
Volume, LiDAR
63,068 m³
3 parcels, Brussels, Wallonia · tallest building 29.4 m, ±9 floors. Linked by address, not a title deed.
3 establishment units
-
since 20142.233.766.379
-
since 20142.242.026.524
Bischoffsheimlaan 1, 1000 Brussel
since 20202.326.099.887
3 parcels
Wallonia
1
(33.3%)
Brussels
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62802D0310/00D002 | Wallonia | 3,592 m² | 1 · 1,477 m² | 19.2 m · 5 fl. |
| 21803C0005/00E000 | Brussels | 1,925 m² | 1 · 1,611 m² | 29.4 m · 9 fl. |
| 21803C0244/00A002 | Brussels | 100 m² | 1 · 99 m² | 23.6 m · 8 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Articles of association
Other provisions of the articles (1)
- Name clause: B-Languages
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Of 11,670 companies in sector 85599 we hold annual accounts for 1,330. 987 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formNon-profit association
Founded13-08-2014
Fiscal year end31-12
Activities, NACEBEL 2025
85599Other education
Scores and ratios are computed by Checked and are not a credit decision.