Equity
-€209
Debts exceed assets in financial year 2025.
BehaviourMaps BV
Lifetime
4 annual accounts with figures on one time axispeak €6,105 (2025)
€6,105▲ €6,479
lowest -€2,649 (2022)
€2,310▲ €4,731
peak -€98 (2023)
-€209▲ €2,310
€58,521▲ 77.3%
Board1 name since 2021
1 directorKELLENS Tom Luc
Documentsfilings and deeds
25-06-202636 days before the deadline
2025micro format
Gross margin from -€373 to €6,105Back to profit: €2,310Equity from -€2,519 to -€209Debts from €33,005 to €58,521Investments €2,394Cash from €1,904 to €5,831
Key points
from the 2025 annual accountsTurnover
≈ €22,000 estimated
The micro format states no turnover.
Debts
€58,521 100% of the balance sheet
Financial debts 12%Suppliers 77%Taxes and wages 2%Other 9%
Of this, €51,521 falls due within a year.
Investments
€2,394 2.4 × depreciation
Green is investment, beige is depreciation.
Filings
4 annual accounts since 2022
The last four annual accounts were filed 29 to 36 days before the end of the period.
Position in the sector
-0.4%
Lower solvency than 82% of companies in education. Sector median 43.8% · 2,612 companies.
Checked score
55
Fair
Financially stronger than 40% of micro companies in education (NACE 85)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 3,825 companies (NACE 85, micro).
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024lowest value
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.3%▲ +0.2 percentage points vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.9%▲ +0.6 percentage points vs 03-2026
05-2026: 0.9%● unchanged vs 04-2026
06-2026: 1.0%▲ +0.1 percentage points vs 05-2026highest value
07-2026: 0.6%▼ -0.4 percentage points vs 06-2026
08-2026: 0.6%● unchanged vs 07-2026
09-2026: 0.6%● unchanged vs 08-2026
10-2026: 0.6%● unchanged vs 09-2026
11-2026: 0.6%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
1 change of registered office in 24 months
Negative equity -€209
lowers risk
Sector: Education (NACE 85)
Size: total assets €58,313
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 85, micro). It does better than 16% of them on solvency, 7% on liquidity, 48% on profitability and 90% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 906 companies had the same profile as BehaviourMaps BV has now. Each dot stands for 3 companies, two years later.
89.4%
were still trading
4.1%
stopped another way
6.1%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BehaviourMaps BV itself is lower: 0.6% within 12 months. It rests on far more data about BehaviourMaps BV than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 906 companies, not a prediction for BehaviourMaps BV. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 1.0 (0.96 in 2024), below 1. Short-term debt is 88.4% and cash 10% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 2612 sector peers (2025).
NBB · sector comparisonPosition among 2612 sector peers
Solvency
better than 17%
← weakest
strongest →
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 25-06-2026, 36 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
36 days early
2024
29 days early
2023
30 days early
2022
34 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 32 days before the deadline. In the sector (NACE 85), the median for financial year 2024 was 16 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 June (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- TOPS Dimitri Filip 60 sharesdeed of 12-11-2021
- KELLENS Tom Luc 60 sharesdeed of 12-11-2021
Recent changes
Registered office moved within Hasselt
New registered office: Heksenheide 11, 3511 Hasselt · Previous registered office: Valeriaanstraat 71, 3512 Hasselt · Board meeting of 31-12-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0776944165
Incorporation
Founding capital of €2,200, 120 shares · Founders: TOPS Dimitri Filip and KELLENS Tom Luc · Appointment: KELLENS Tom Luc (director) · published on 12-11-2021 · Gazette deed
First establishment
Heksenheide 11, Hasselt
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BehaviourMaps BV Hasselt | €58,313 | €6,105 | -0.4% | - |
| Learn Dutch Online Dilsen-Stokkem | €48,765 | €7,848 | 41.6% | - |
| VANTRICHT SOLUTIONS Willebroek | €63,057 | €6,682 | -13.8% | - |
| Inspiration4You Lanaken | €59,917 | €8,677 | 25.6% | - |
| IEI77 Hechtel-Eksel | €42,862 | €4,605 | -14.1% | - |
| QSME De Haan | €55,655 | €8,334 | 8.0% | - |
| Digital Currency Academy Ghent | €56,543 | €8,844 | 60.5% | - |
These companies have the same main activity as BehaviourMaps BV: other education (NACE 85599). They are comparable in size and age: total assets between €42,900 and €63,100, founded between 2021 and 2022.
Official details
Source: KBO- Status
- Active since 09-11-2021Normal situation
- Activity
- Other educationNACE 85599
- Establishment unit
- 2.324.299.3503511 Hasselt, since 09-11-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 21-03-2025
Annual accounts 2025
- €58,313▲ 91.3%
- Filing
- Filed on 25-06-2026, 36 days before the end of the filing period
Insights on BehaviourMaps BV
BehaviourMaps BV files the micro format. That format states no turnover. The gross margin rose from -€2,300 in 2022 to €6,105 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BehaviourMaps BV
- What is the company number of BehaviourMaps BV?
- The company number of BehaviourMaps BV is 0776.944.165. The VAT number is the same number with BE in front: BE 0776.944.165.
- Where is BehaviourMaps BV based?
- The registered office is at Heksenheide 11, 3511 Hasselt.Company details
- What does BehaviourMaps BV do?
- According to the KBO register, the main activity is other education (NACE 85599).
- What is the legal form of BehaviourMaps BV?
- BehaviourMaps BV is a private limited company (BV).
- When was BehaviourMaps BV founded?
- BehaviourMaps BV was founded on 09-11-2021.
- Is BehaviourMaps BV still active?
- Yes, BehaviourMaps BV is an active enterprise in the KBO register.
- What is the turnover of BehaviourMaps BV?
- The turnover in financial year 2025 is ≈ €22,000. This figure is estimated from the gross margin of €6,105 and 42 comparable companies (NACE 855). It probably lies between €15,000 and €45,000. It is a rough estimate.Financials
- Is BehaviourMaps BV profitable?
- In financial year 2025, BehaviourMaps BV made a profit of €2,310.
- Where can I find the annual accounts of BehaviourMaps BV?
- BehaviourMaps BV filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BehaviourMaps BV due?
- BehaviourMaps BV must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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