BH & VL Languages
ActiveBH & VL Languages has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55k and a net result of €46k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 40% of 2039 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency55▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.22 against 0.88 in 2024; short-term debt: 67.1% and cash: 49.7% of total assets), and 70% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 85
lower
← 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
30%
Return on assets
25%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-02-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
28 d late
2024
24 d late
2023
3 d early
2022
20 d late
2021
3 d early
2020
on the day
2019
11 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€55k▲ 87.9%
2024 · €29k
2019: €-6k
2020: €-9k
2021: €-11k
2022: €832
2023: €-4k
2024: €29k
2019 → 2025
Total assets
€182k▲ 55.0%
2024 · €118k
2019: €126k
2020: €118k
2021: €109k
2022: €113k
2023: €116k
2024: €118k
2019 → 2025
Net result
€46k▲ 39.2%
2024 · €33k
2019: €-4k
2020: €-2k
2021: €-2k
2022: €12k
2023: €-4k
2024: €33k
2019 → 2025
Working capital
€27k
2024 · €-11k
2019: €-36k
2020: €-45k
2021: €-69k
2022: €-55k
2023: €-46k
2024: €-11k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-11k-€832€-4k€29k€55k▲ 87.9%
Operating result€932-€15k▲ 1,518%€887▼ 94.1%€50k▲ 5,512%€68k▲ 36.7%
Net result€-2k-€12k€-4k€33k€46k▲ 39.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 37% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €182k
Fixed assets
€33k▼ 17.4%
Current assets
€149k▲ 92.3%
Equity and liabilities €182k
Equity
€55k▲ 87.9%
Debt
€128k▲ 44.2%
The debt ratio falls from 75.2% to 70.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€93k▲
2024 · €75k
Cash flow
€70k▲
2024 · €58k
Solvency
30.0%▲
2024 · 24.8%
Current ratio
1.22▲
2024 · 0.88
Quick ratio
1.08▲
2024 · 0.71
Debt / equity
2.33▼
2024 · 3.04
ROE
83.3%▼
2024 · 112.5%
ROA
25.0%▼
2024 · 27.9%
Interest coverage
36.50▲
2024 · 21.13
Debt
€128k▲
2024 · €88k
Debt ≤ 1 year
€122k▲
2024 · €88k
Debt > 1 year
€5k
Income taxes
€21k▲
2024 · €14k
Staff costs
€222k▲
2024 · €184k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€118k€182k▲
Fixed assets21/28€40k€33k▼
Tangible fixed assets22/27€40k€33k▼
Furniture and vehicles24€10k€6k▼
Leasing and similar rights25€1k€13k▲
Other tangible fixed assets26€29k€15k▼
Current assets29/58€78k€149k▲
Stocks and contracts in progress3€15k€18k▲
Stocks30/36€15k€18k▲
Amounts receivable within one year40/41€14k€40k▲
Trade receivables40€5k€8k▲
Other amounts receivable41€9k€32k▲
Cash at bank and in hand54/58€45k€91k▲
Deferred charges and accrued income490/1€4k€962▼
Equity and liabilities
Total equity and liabilities10/49€118k€182k▲
Equity10/15€29k€55k▲
Contributions10/11€50k€50k=
Reserves13-€5k
Distributable reserves133-€5k
Profit (loss) carried forward14€-21k-
Amounts payable17/49€88k€128k▲
Amounts payable after more than one year17-€5k
Financial debts170/4-€5k
Amounts payable within one year42/48€88k€122k▲
Current portion of amounts payable after more than one year42-€5k
Trade debts44€37k€43k▲
Suppliers440/4€37k€43k▲
Taxes, remuneration and social security45€52k€57k▲
Taxes450/3€15k€24k▲
Remuneration and social security454/9€37k€33k▼
Other amounts payable47/48-€17k
Income statement
Code20242025
Non-recurring operating income76A-€2k
Remuneration, social security and pensions62€184k€222k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€25k▼
Other operating charges640/8€384€1k▲
Gross operating margin9900€259k€316k▲
Operating profit (loss)9901€50k€68k▲
Financial income75/76B€376€1k▲
Recurring financial income75€376€1k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€47k€67k▲
Income taxes67/77€14k€21k▲
Profit (loss) for the period9904€33k€46k▲
Profit (loss) for the period to be appropriated9905€33k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-21k€25k▲
Profit (loss) brought forward from the previous period14P€-54k€-21k▲
Transfer to equity691/2-€5k
To other reserves6921-€5k
Profit to be distributed694/7-€20k
Return on contributions (dividend)694-€20k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
30-06
Financial
Highest result since 2019net €46k ▲39.2%
Operating result €68k, net result €46k, both a record.
24-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
2024
30-06
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
28-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-4k ▼138%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
20-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 20 days late
2022
30-06
Financial
Back to profitnet €12k
Net result €12k after 3 loss-making years.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Etterbeek · 1 establishment unit since 2017
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Graystraat 441040 EtterbeekGround area
336 m²
Building footprint
292 m²
Volume, LiDAR
6,469 m³
Parcel 21363B0465/00M040, Brussels · tallest building 25.8 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Kids & Us
since 20172.263.629.018
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21363B0465/00M040 | Brussels | 336 m² | 1 · 292 m² | 25.8 m · 8 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
FVct Coachulting
BE 0766.281.489
Villers-la-Ville · Eq €55k
LIFTDA
BE 0753.948.732
Brugge · Eq €55k
Geldhof Frank
BE 0735.526.452
Sint-Truiden · Eq €55k
SMART WVL
BE 0646.732.751
Kortrijk · Eq €55k
BE SAFE SAFETY
BE 1017.540.094
Eeklo · Eq €55k
Of 11,670 companies in sector 85599 we hold annual accounts for 1,329. 1,020 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-03-2017
Fiscal year end30-06
Activities, NACEBEL
85599Other education
58110Book publishing
85520Cultural education
85699Other educational support services
88912Social work activities without accommodation
90031Arts creation and performing arts activities
90111Literary creation
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.