Catsch
ActiveSummary
Catsch has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59,644 and a net result of -€9,402. Equity grew by about 44% per year on average since 2023. In 2025 it fell by 13.6%. Its solvency ranks better than 82% of 700 sector peers (NACE 88, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 07-07-2023 Normal situation
- Activity
- Social work activities without accommodation NACE 88109and 3 others
- Establishment unit
- 2.347.706.242 3078 Kortenberg, since 07-07-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 11-07-2025
Board and ownership
- Isabelle SteylsDirector
- Isabelle Steylsfounderdeed of 11-07-2023
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- -€6,967
- Loss
- €9,402
- Equity
- €59,644
- ▼ 13.6%
- Total assets
- €82,916
- ▼ 11.6%
Score breakdownlowers riskSector: Social work activities without accommodation (NACE 88)Liquidity: current ratio 3.36, cash €64,378Size: total assets €82,916Equity €59,644 (71.9% of total assets)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 88, micro). It does better than 81% of them on solvency, 81% on liquidity, 12% on profitability and 19% on growth.
The bankruptcy probability was computed on 04-11-2026 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 very low class on 30-06-2025, 0.1% 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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 3 accounts on average 13 days before the deadline. In the sector (NACE 88), the median for financial year 2024 was 24 days before the deadline, and 25% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 29-07-2026 at the NBB all 3 filings
Every figure per financial year
The operating result for 2025 is a loss of €9,475, after a profit of €51,824 in 2024. It is the lowest result since 2023.
Turnover and EBIT margin are not published. The micro format does not require them.
Investments
| Item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Tangible fixed assets | €1,800 | €8,186 | - |
| Financial fixed assets | - | - | €0 |
| Depreciation and write-downs of the year | €18 | €1,713 | €2,509 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €76 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18 | €1,713 | €2,509 | ▲ 46.5% |
| Other operating charges640/8 | - | €62 | €0 | ▼ 100% |
| Gross operating margin9900 | €33,134 | €53,598 | -€6,967 | - |
| Operating profit (loss)9901 | €33,116 | €51,824 | -€9,475 | - |
| Financial income75/76B | - | - | €50 | - |
| Recurring financial income75 | - | - | €50 | - |
| Financial charges65/66B | €26 | €126 | -€24 | - |
| Recurring financial charges65 | €26 | €126 | -€24 | - |
| Profit (loss) for the period before taxes9903 | €33,090 | €51,698 | -€9,402 | - |
| Income taxes67/77 | €7,223 | €11,518 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €25,867 | €40,180 | -€9,402 | - |
| Profit (loss) for the period to be appropriated9905 | €25,867 | €40,180 | -€9,402 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €47,987 | €93,803 | €82,916 | ▼ 11.6% |
| Fixed assets21/28 | €1,782 | €8,255 | €4,665 | ▼ 43.5% |
| Tangible fixed assets22/27 | €1,782 | €8,255 | €4,665 | ▼ 43.5% |
| Plant, machinery and equipment23 | €1,782 | €2,262 | €582 | ▼ 74.3% |
| Furniture and vehicles24 | - | €5,992 | €4,083 | ▼ 31.9% |
| Current assets29/58 | €46,205 | €85,548 | €78,251 | ▼ 8.5% |
| Amounts receivable after more than one year29 | - | - | €5,150 | - |
| Other amounts receivable291 | - | - | €5,150 | - |
| Amounts receivable within one year40/41 | - | €8,370 | €4,018 | ▼ 52.0% |
| Trade receivables40 | - | €8,370 | €4,003 | ▼ 52.2% |
| Other amounts receivable41 | - | - | €15 | - |
| Cash at bank and in hand54/58 | €46,205 | €76,619 | €64,378 | ▼ 16.0% |
| Deferred charges and accrued income490/1 | - | €559 | €4,705 | ▲ 742% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €47,987 | €93,803 | €82,916 | ▼ 11.6% |
| Equity10/15 | €28,867 | €69,046 | €59,644 | ▼ 13.6% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €25,867 | €66,046 | €66,046 | = |
| Distributable reserves133 | €25,867 | €66,046 | €66,046 | = |
| Profit (loss) carried forward14 | - | - | -€9,402 | - |
| Amounts payable17/49 | €19,121 | €24,756 | €23,272 | ▼ 6.0% |
| Amounts payable within one year42/48 | €16,061 | €24,756 | €23,272 | ▼ 6.0% |
| Trade debts44 | €1,949 | €2,235 | €3,263 | ▲ 46.0% |
| Suppliers440/4 | €1,949 | €2,235 | €3,263 | ▲ 46.0% |
| Advances received on contracts in progress46 | - | - | €1,997 | - |
| Taxes, remuneration and social security45 | €11,193 | €19,228 | €12,259 | ▼ 36.2% |
| Taxes450/3 | €11,193 | €19,228 | €12,259 | ▼ 36.2% |
| Other amounts payable47/48 | €2,919 | €3,293 | €5,753 | ▲ 74.7% |
| Accrued charges and deferred income492/3 | €3,060 | €0 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €25,867 | €40,180 | -€9,402 | - |
| + Depreciation and write-downs630 | €18 | €1,713 | €2,509 | ▲ 46.5% |
| Operating cash flow (approximation) | €25,885 | €41,893 | -€6,894 | - |
| Investment in fixed assets (approximation) | - | -€8,186 | €1,080 | - |
| Change in cash | - | €30,414 | -€12,241 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 3,223 companies had the same profile as Catsch has now. Two years later, 87.8% were still going and 3.4% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Catsch itself is lower: < 0.1% within 12 months. It rests on far more data about Catsch than the profile alone.
Test of the method
The method was tested on the 497,446 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 3,223 companies, not a prediction for Catsch. 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.
Board & ownership
Directors
Owners and capital
Shareholders
- Isabelle Steyls sole founder · 100% at incorporation
Capital transactions
- 11-07-2023 Incorporation · €3,000 · 100 shares
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Helft overdrager,helft kopers naar evenredigheid aantal, nietigheid”
Articles of association, deed of 11-07-2023 (in Dutch)
Network & group
Catsch shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of Catsch. Every other company they run is a node.
Timeline
Deeds, filings and financial milestones
11-07
Gazette deed
IncorporationFounding capital of €3,000, 100 shares · Founder: Isabelle Steyls · Appointment: Isabelle Steyls (director)6 points ▸
- Registered office clause, Twee Leeuwenstraat 20A
- Board rule, 1
- Director appointment, Isabelle Steyls
- Incorporation, 03-07-2023
- Founder, Isabelle Steyls
- Founding capital, €3,000, 100 shares
- The deed holds 1 more point.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
12 activities
- Het verlenen van diensten en HR consultancy in bedrijven;
- Het ter beschikking stellen van personeel;
- Het ondersteunen van administratie bij bedrijven,huisartsenpraktijken,etc;
- Het verlenen van diensten op vlak van auti-coaching,narcisme coaching,etc;
- Het geven van les,ondersteunen in het onderwijs,jobcoaching,etc
- Het verwerven door koop,huur of anderszins van onroerende en roerende goederen en de terbeschikkingstelling ervan aan haar bestuurders;
- Het uitsluitend voor eigen rekening beheren van alle soorten rechten,beleggingen en financiële instrumenten,zoals ondermeer,zonder dat deze opsomming beperkend is,auteursrechten en andere roerende rechten,kunstvoorwerpen,kasbons,aandelen,obligaties,opties,en andere;
- In het algemeen mag zij zowel in België als in het buitenland roerende,onroerende,financiële en commerciële activiteiten verrichten die rechtstreeks of onrechtstreeks dienstig zijn om haar activiteiten uit te oefenen of uit te breiden,zonder dat deze opsomming beperkend is.
- Zij heeft in het algemeen de volle rechtsbekwaamheid om alle handelingen en verrichtingen te voltrekken die een rechtstreeks of onrechtstreeks verband houden met haar voorwerp of welke van die aard zouden zijn dat zij de verwezenlijking van dit voorwerp,rechtstreeks of onrechtstreeks,geheel of ten dele vergemakkelijken.
- Zij kan belangen nemen door associatie,inbreng,fusie,financiële tussenkomst of op gelijk welke andere wijze,in alle vennootschappen,verenigingen of ondernemingen met een identiek,gelijklopend of samenhangend voorwerp met het hare of die van aard kunnen zijn de ontwikkeling van haar onderneming te begunstigen of een bron van afzetten te vormen.
- Zij kan de functies van bestuurder of vereffenaar uitoefenen in andere vennootschappen.
- In het geval de verrichting van bepaalde handelingen zou onderworpen zijn aan voorafgaande voorwaarden inzake toegang tot het beroep,zal de vennootschap haar optreden,wat betreft de verrichting van deze handelingen,aan de vervulling van deze voorwaarden ondergeschikt maken.
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 24026B0023/00H014 | Flanders | 272 m² | 1 · 84 m² | 4.9 m |