Equity
-€401,241
Debts exceed assets in financial year 2025.
Centre d'Orientation et de Formation
Lifetime
16 annual accounts with figures on one time axis, 20 filings since 2006peak €4.8m (2025)
€4.8m▲ 0.8%
lowest -€736,374 (2018)
€135,679▲ 6.8%
peak €318,835 (2012)
-€401,241▲ €111,106
€2.2m▲ 0.2%
peak 81.1 FTE (2018)
71.5 FTE▼ 10.1%
Board40 names since 2003all names
19 directorsClaude Parmentier and 18 others
Documentsfilings and deeds
26-06-202635 days before the deadline
2025financial year
Staff from 79.5 FTE to 71.5 FTE18 directors appointed, 12 resignations 12-123 directors appointed 24-10Appointment: AXYLIUM (réviseur aux comptes) 03-02Equity from -€512,347 to -€401,241Cash from €177,294 to €440,864
Key points
from the 2025 annual accountsDebts
€2.2m 117% of the balance sheet
Financial debts 19%Suppliers 4%Taxes and wages 36%Other 42%
€524,324 of the debts are secured on the company's own assets. In 2021 that was €708,077.
Staff
98 employees on 31-12-2025
In 2025, 24 people joined and 45 left.
Payment terms
34 days to suppliers
Customers pay 32 days earlier.
Board
17 joined · 3 left
Board changed. Latest change 12-12-2025 · 19 in office.
Position in the sector
-21.7%
Lower solvency than 95% of companies in building services and landscaping. Sector median 41.5% · 547 companies.
Checked score
55
Fair
Financially stronger than 44% of medium-sized companies in building services and landscaping (NACE 81)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.3% across 144 companies (NACE 81, medium-sized).
Fewer than 1 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 12-2024
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: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.2%▲ +0.1 percentage points vs 09-2025highest value
11-2025: 0.2%● unchanged vs 10-2025highest value
12-2025: 0.2%● unchanged vs 11-2025highest value
01-2026: 0.2%● unchanged vs 12-2025highest value
02-2026: 0.2%● unchanged vs 01-2026highest value
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.1%▼ -0.1 percentage points vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026lowest value
08-2026: 0.1%● unchanged vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€401,241
Sector: Services to buildings and landscape activities (NACE 81)
lowers risk
Legal form: non-profit association
Liquidity: current ratio 1.14, cash €440,864
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 81, medium-sized). It does better than 4% of them on solvency, 35% on liquidity, 89% on profitability and 48% on growth.
The bankruptcy probability was computed on 06-11-2026 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).
Comparable companies, two years later
In July 2024, 4,136 companies had the same profile as Centre d'Orientation et de Formation has now. Each dot stands for 11 companies, two years later.
91.5%
were still trading
5.2%
stopped another way
2.6%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Centre d'Orientation et de Formation itself is lower: 0.1% within 12 months. It rests on far more data about Centre d'Orientation et de Formation than the profile alone.
Test of the method
The method was tested on the 497,447 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 4,136 companies, not a prediction for Centre d'Orientation et de Formation. 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 tight, with a current ratio of 1.14 (0.88 in 2024), below the usual 1.5. Short-term debt is 80.2% and cash 23.9% 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 5% of 547 sector peers (2025).
NBB · sector comparisonPosition among 547 sector peers
Solvency
better than 5%
← 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 26-06-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 days early
2024
47 days late
2023
40 days early
2022
60 days late
2021
27 days early
2020
83 days late
2019
24 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 9 days after the deadline. In the sector (NACE 81), the median for financial year 2024 was 1 day before the deadline, and 43% 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 4 July (4 of the last 5 accounts filed within 74 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Amendment of the articles
General meeting of 02-03-2026 · Gazette deed
18 directors appointed, 12 resignations
Resignations: Layla BOUAZZA, Jean-Pierre DI BARTOLOMEO, Marija IVANOVIC, Fabrice JACQUEMART, Yves HOUGARDY, Luc HUBERTY and 6 others · Appointments: Marie-Odile CLAUDE, Stéphane DAROT, Philippe DUBOIS, Joseph GEORGE, Yves HOUGARDY, Marija IVANOVIC and 12 others · Withdrawal: Jean-Pierre DI BARTOLOMEO (member) · General meeting of 15-09-2025 · Gazette deed
3 directors appointed
Françoise LEJEUNE (chair), Jean-Luc MARTIN (vice-chair) and Hubert JONET (vice-chair) · Board meeting of 15-09-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0451480758
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Centre d'Orientation et de Formation Amay | €0.9m | 14.5% | -21.7% | 71.5 |
| RELAIS DE LA HAUTE SAMBRE Lobbes | €1.1m | -2.2% | 60.8% | 66.4 |
| VAN VLIERDEN Pelt | - | - | 13.8% | 45.7 |
| Jobs & Milieu Sint-Niklaas | - | - | 73.4% | 46.2 |
| Maatwerkbedrijf De Ploeg Sint-Truiden | €1.7m | 24.9% | 77.1% | 67.3 |
| Sociaal bedrijvencentrum Maasmechelen Maasmechelen | - | - | 81.6% | 49.1 |
| ETABLISSEMENTS JARDIN - NET Chaumont-Gistoux | - | - | 19.3% | 37.1 |
Grey: the largest companies of the sector (building services and landscaping (NACE 81)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as Centre d'Orientation et de Formation: landscape service activities (NACE 81300). They are comparable in size and age: total assets between €2m and €4.5m, founded between 1975 and 1999.
Official details
Source: KBO- Status
- Active since 25-10-1993Normal situation
- Activity
- Landscape service activitiesNACE 81300and 1 other
- Establishment unit
- 2.155.715.8254540 Amay, since 27-07-1994
- Financial year end
- 31 December
- Peppol
- Reachable since 26-05-2025
Annual accounts 2025
- €1.8m▲ 9.2%
- Employeeson 31-12-2025
- 98▼ 19.7%
- Filing
- Filed on 26-06-2026, 35 days before the end of the filing period
Insights on Centre d'Orientation et de Formation
Centre d'Orientation et de Formation has existed since 1993. The gross margin grew from €1.4m in 2009 to €4.8m in 2025 and staff from 34 to 71.5 full-time equivalents.
The gross margin has grown every year since 2022. Solvency rose in 2025 from -30.3% to -21.7% because of the retained profit.
In December 2025, three directors stepped down.
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 Centre d'Orientation et de Formation
- What is the company number of Centre d'Orientation et de Formation?
- The company number of Centre d'Orientation et de Formation is 0451.480.758. The VAT number is the same number with BE in front: BE 0451.480.758.
- Where is Centre d'Orientation et de Formation based?
- The registered office is at Rue du Parc Industriel 6, 4540 Amay.Company details
- What does Centre d'Orientation et de Formation do?
- According to the KBO register, the main activity is landscape service activities (NACE 81300).
- What is the legal form of Centre d'Orientation et de Formation?
- Centre d'Orientation et de Formation is a non-profit association (VZW).
- When was Centre d'Orientation et de Formation founded?
- Centre d'Orientation et de Formation was founded on 25-10-1993.
- Is Centre d'Orientation et de Formation still active?
- Yes, Centre d'Orientation et de Formation is an active enterprise in the KBO register.
- How many employees does Centre d'Orientation et de Formation have?
- Centre d'Orientation et de Formation had an average of 71.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of Centre d'Orientation et de Formation?
- The turnover of Centre d'Orientation et de Formation was €869,818 in financial year 2025, according to the filed annual accounts.
- Is Centre d'Orientation et de Formation profitable?
- In financial year 2025, Centre d'Orientation et de Formation made a profit of €135,679.
- Where can I find the annual accounts of Centre d'Orientation et de Formation?
- Centre d'Orientation et de Formation filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Centre d'Orientation et de Formation due?
- Centre d'Orientation et de Formation must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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