Betopia
ActiveSummary
Betopia has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38,564 and a net result of €36,564. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 38% of 2067 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency53▼-38
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity tight (current ratio 1.37 against 2.85 in 2024; short-term debt: 71.7% and cash: 86.7% of total assets), and 71.7% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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 · 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
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
28.3%
Return on assets
26.9%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
25 d early
2024
38 d early
2023
37 d early
2022
13 d early
2021
40 d early
2020
40 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 32 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
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€38,564▼ 60.9%
2024 · €98,580
Total assets
€136,154▼ 9.1%
2024 · €149,834
Net result
€36,564▼ 29.3%
2024 · €51,737
Working capital
€36,284▼ 61.8%
2024 · €95,033
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
Operating result€63,405▼ 7.5%€69,994▲ 10.4%€58,509▼ 16.4%€65,814▲ 12.5%€46,382▼ 29.5%
Net result€49,960above the sector's middle half▼ 8.5%€54,750above the sector's middle half▲ 9.6%€44,843above the sector's middle half▼ 18.1%€51,737above the sector's middle half▲ 15.4%€36,564above the sector's middle half▼ 29.3%
Equity€106,575within the sector's middle half▲ 88.2%€161,325above the sector's middle half▲ 51.4%€46,843within the sector's middle half▼ 71.0%€98,580within the sector's middle half▲ 110%€38,564within the sector's middle half▼ 60.9%
Total assets€133,033within the sector's middle half▲ 67.0%€188,034within the sector's middle half▲ 41.3%€134,420within the sector's middle half▼ 28.5%€149,834within the sector's middle half▲ 11.5%€136,154within the sector's middle half▼ 9.1%
Debt€26,458▲ 14.8%€26,709▲ 0.9%€87,577▲ 228%€51,254▼ 41.5%€97,590▲ 90.4%
Working capital€104,079▲ 96.8%€152,844▲ 46.9%€41,416▼ 72.9%€95,033▲ 129%€36,284▼ 61.8%
Solvency80.1%above the sector's middle half▲ 9.0pp85.8%above the sector's middle half▲ 5.7pp34.8%within the sector's middle half▼ 50.9pp65.8%within the sector's middle half▲ 30.9pp28.3%within the sector's middle half▼ 37.5pp
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 falls in 2025; 2025 is 30% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136,154
Fixed assets
€2,279 ▼ 35.7%
Current assets
€133,875 ▼ 8.5%
Equity and liabilities €136,154
Equity
€38,564 ▼ 60.9%
Debt
€97,590 ▲ 90.4%
Debt's share of the balance-sheet total rises from 34.2% to 71.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€48,351▼
2024 · €67,694
Cash flow
€38,532▼
2024 · €53,617
Current ratio
1.37▼
2024 · 2.85
Debt to equity
2.53▲
2024 · 0.52
ROE
94.8%▲
2024 · 52.5%
ROA
26.9%▼
2024 · 34.5%
Interest coverage
506.18▼
2024 · 583.47
Debt ≤ 1 year
€97,590▲
2024 · €51,254
Income taxes
€9,723▼
2024 · €13,961
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,703 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.3% 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 6,703 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,243 | €1,543 | €3,054 | €1,880 | €1,969 | ▲ 4.7% |
| Other operating charges640/8 | €101 | €220 | €694 | €505 | €520 | ▲ 2.8% |
| Gross operating margin9900 | €64,750 | €71,757 | €62,258 | €68,200 | €48,870 | ▼ 28.3% |
| Operating profit (loss)9901 | €63,405 | €69,994 | €58,509 | €65,814 | €46,382 | ▼ 29.5% |
| Financial income75/76B | €16 | €15 | €0 | - | - | - |
| Recurring financial income75 | €16 | €15 | €0 | - | - | - |
| Financial charges65/66B | €34 | €92 | €120 | €116 | €96 | ▼ 17.7% |
| Recurring financial charges65 | €34 | €92 | €120 | €116 | €96 | ▼ 17.7% |
| Profit (loss) for the period before taxes9903 | €63,387 | €69,917 | €58,389 | €65,698 | €46,286 | ▼ 29.5% |
| Income taxes67/77 | €13,428 | €15,167 | €13,547 | €13,961 | €9,723 | ▼ 30.4% |
| Profit (loss) for the period9904 | €49,960 | €54,750 | €44,843 | €51,737 | €36,564 | ▼ 29.3% |
| Profit (loss) for the period to be appropriated9905 | €49,960 | €54,750 | €44,843 | €51,737 | €36,564 | ▼ 29.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €133,033 | €188,034 | €134,420 | €149,834 | €136,154 | ▼ 9.1% |
| Fixed assets21/28 | €2,496 | €8,481 | €5,426 | €3,546 | €2,279 | ▼ 35.7% |
| Tangible fixed assets22/27 | €2,496 | €8,481 | €5,426 | €3,546 | €2,279 | ▼ 35.7% |
| Plant, machinery and equipment23 | €111 | €4,854 | €3,828 | €2,802 | €1,797 | ▼ 35.9% |
| Furniture and vehicles24 | €2,385 | €3,627 | €1,598 | €744 | €483 | ▼ 35.2% |
| Current assets29/58 | €130,537 | €179,553 | €128,994 | €146,287 | €133,875 | ▼ 8.5% |
| Amounts receivable within one year40/41 | €34,881 | €68,060 | €44,121 | €41,939 | €15,780 | ▼ 62.4% |
| Trade receivables40 | €34,881 | €37,617 | €36,501 | €40,900 | €9,720 | ▼ 76.2% |
| Other amounts receivable41 | - | €30,443 | €7,620 | €1,039 | €6,060 | ▲ 483% |
| Cash at bank and in hand54/58 | €95,656 | €111,343 | €82,594 | €104,348 | €118,095 | ▲ 13.2% |
| Deferred charges and accrued income490/1 | - | €150 | €2,278 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €133,033 | €188,034 | €134,420 | €149,834 | €136,154 | ▼ 9.1% |
| Equity10/15 | €106,575 | €161,325 | €46,843 | €98,580 | €38,564 | ▼ 60.9% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | €104,575 | €159,325 | €44,843 | €96,580 | €36,564 | ▼ 62.1% |
| Amounts payable17/49 | €26,458 | €26,709 | €87,577 | €51,254 | €97,590 | ▲ 90.4% |
| Amounts payable within one year42/48 | €26,458 | €26,709 | €87,577 | €51,254 | €97,590 | ▲ 90.4% |
| Trade debts44 | €1,001 | €1,583 | €1,632 | - | €724 | - |
| Suppliers440/4 | €1,001 | €1,583 | €1,632 | - | €724 | - |
| Taxes, remuneration and social security45 | €24,912 | €25,126 | €10,520 | €13,948 | €9,348 | ▼ 33.0% |
| Taxes450/3 | €21,312 | €23,176 | €8,570 | €9,398 | €7,248 | ▼ 22.9% |
| Remuneration and social security454/9 | €3,600 | €1,950 | €1,950 | €4,550 | €2,100 | ▼ 53.8% |
| Other amounts payable47/48 | €545 | - | €75,426 | €37,306 | €87,519 | ▲ 135% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €49,960 | €54,750 | €44,843 | €51,737 | €36,564 | ▼ 29.3% |
| + Depreciation and write-downs630 | €1,243 | €1,543 | €3,054 | €1,880 | €1,969 | ▲ 4.7% |
| Operating cash flow (approximation) | €51,203 | €56,293 | €47,897 | €53,617 | €38,532 | ▼ 28.1% |
| Investment in fixed assets (approximation) | - | -€7,527 | €0 | €0 | -€702 | - |
| Change in cash | - | €15,688 | -€28,749 | €21,754 | €13,747 | ▼ 36.8% |
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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €36,564 ▼29.3%
Net result drops to €36,564, the lowest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €54,750 ▲9.6%
Operating result €69,994, net result €54,750, both a record.
31-12
Financial
Equity above €150,000Eq €161,325 ▲51.4%
3 profitable years in a row build equity to €161,325.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100,000Eq €106,575 ▲88.2%
2 profitable years in a row build equity to €106,575.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Bonheiden · 1 establishment unit since 2020
Ground area
1,768 m²
Building footprint
200 m²
Volume, LiDAR
1,078 m³
Parcel 12005C0174/00B002, Flanders · tallest building 20.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Betopia
since 20202.297.321.571
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12005C0174/00B002 | Flanders | 1,768 m² | 1 · 200 m² | 20.2 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.
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Of 11,672 companies in sector 85599 we hold annual accounts for 1,330. 993 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
85599Other education
47770Retail sale of watches and jewellery
70200Business and other management consultancy
85510Sports and recreation education
85520Cultural education
96220Beauty care and other beauty treatments
Contact
Website
www.betopia.eu
E-mail
yinan.liu@betopia.eu
E-invoicing
Reachable via Peppol
Peppol ID
0208:0740691109
Also
9925:BE0740691109
Registered
22-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.