CHALLENGES & VOUS
ActiveSummary
CHALLENGES & VOUS has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1,521 and a net result of €8,378. Equity has been growing by about 36% per year since 2023. Its solvency ranks better than 20% of 2,602 sector peers (NACE 85, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 04-07-2023 Normal situation
- Registered office
- 71 active companies are registered at this address 12 started in the 12 months before. Source: KBO register, as of 2 November 2026.
- Activity
- Vocational training NACE 85592and 3 others
- Establishment unit
- 2.348.947.842 7000 Mons, since 04-07-2023
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
- Gross margin
- €10,121
- ▲ 94.6%
- Turnover
- ≈ €37,000
- estimated
- Profit
- €8,378
- ▲ 143%
- Equity
- €1,521
- ▲ 33.0%
- Total assets
- €30,208
- ▲ 74.5%
- 2025 accounts filed 31 days after the deadline
Score breakdownraises riskEquity €1,521 (5.0% of total assets)lowers riskSector: Education (NACE 85)Liquidity: current ratio 1.05, cash €23,848Size: total assets €30,208Show the evidence
Checked score
About 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 85, micro). It does better than 19% of them on solvency, 33% on liquidity, 90% on profitability and 77% on growth.
The bankruptcy probability was computed on 02-11-2026 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.
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 14 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)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 31 days after the deadline Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00456281.
Annual accounts 2025 filed on 31-08-2026 at the NBB all 3 filings
Every figure per financial year
The operating result for 2025 is 95% higher than in 2024 and the highest since 2023. It is the second rise in a row.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Gross operating margin9900 | €416 | €5,200 | €10,121 | ▲ 94.6% |
| Operating profit (loss)9901 | €416 | €5,200 | €10,121 | ▲ 94.6% |
| Financial charges65/66B | €39 | €107 | €95 | ▼ 11.2% |
| Recurring financial charges65 | €39 | €107 | €95 | ▼ 11.2% |
| Profit (loss) for the period before taxes9903 | €377 | €5,093 | €10,027 | ▲ 96.9% |
| Income taxes67/77 | €678 | €1,649 | €1,649 | = |
| Profit (loss) for the period9904 | -€301 | €3,445 | €8,378 | ▲ 143% |
| Profit (loss) for the period to be appropriated9905 | -€301 | €3,445 | €8,378 | ▲ 143% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €12,140 | €17,311 | €30,208 | ▲ 74.5% |
| Current assets29/58 | €12,140 | €17,311 | €30,208 | ▲ 74.5% |
| Amounts receivable within one year40/41 | €202 | €4,127 | €6,056 | ▲ 46.8% |
| Trade receivables40 | €202 | €4,122 | €6,051 | ▲ 46.8% |
| Other amounts receivable41 | - | €5 | €5 | = |
| Cash at bank and in hand54/58 | €11,710 | €12,955 | €23,848 | ▲ 84.1% |
| Deferred charges and accrued income490/1 | €229 | €229 | €304 | ▲ 32.8% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €12,140 | €17,311 | €30,208 | ▲ 74.5% |
| Equity10/15 | €699 | €1,144 | €1,521 | ▲ 33.0% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | = |
| Profit (loss) carried forward14 | -€301 | €144 | €521 | ▲ 263% |
| Amounts payable17/49 | €11,441 | €16,167 | €28,687 | ▲ 77.4% |
| Amounts payable within one year42/48 | €11,441 | €16,167 | €28,687 | ▲ 77.4% |
| Trade debts44 | €943 | €667 | €3,391 | ▲ 409% |
| Suppliers440/4 | €943 | €667 | €3,391 | ▲ 409% |
| Taxes, remuneration and social security45 | €2,499 | €5,316 | €5,426 | ▲ 2.1% |
| Taxes450/3 | €2,499 | €5,316 | €5,426 | ▲ 2.1% |
| Other amounts payable47/48 | €7,999 | €10,185 | €19,870 | ▲ 95.1% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€301 | €3,445 | €8,378 | ▲ 143% |
| Operating cash flow (approximation) | -€301 | €3,445 | €8,378 | ▲ 143% |
| Change in cash | - | €1,245 | €10,893 | ▲ 775% |
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, 2,157 companies had the same profile as CHALLENGES & VOUS has now. Two years later, 94.1% were still going and 3.0% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CHALLENGES & VOUS itself is lower: 0.1% within 12 months. It rests on far more data about CHALLENGES & VOUS 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 2,157 companies, not a prediction for CHALLENGES & VOUS. 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
- AGNEESSENS Ludivine Stéphanie Cécile Marine 100 shares (100%) · €1,000 in cash
Capital transactions
- 06-07-2023 Incorporation · €1,000 · 100 shares
Articles of association
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant moitié acquéreurs proportionnellement aux actions acquises, tenus de solliciter agrément selon mêmes formalités”
Articles of association, deed of 06-07-2023 (in French)
Network & group
CHALLENGES & VOUS shares no director with another company.
Companies at the same address
70 other companies- BAHASSI SOLUTIONS Registered office · since 2026 1040653711
- ODEZI Registered office · since 2026 1040455256
- Moury, Lionel (sole trader) Establishment · since 2026 1038722520
- Alou, Michel (sole trader) Establishment · since 2026 1039623630
- La victoire Europe ASBL Registered office · since 2026 1036784795
- BEKA PATRIMONIUM Registered office · since 2026 1033284085
- HOLDERBAUM, BRIGHTON (sole trader) Establishment · since 2026 0699590526
- HOLDERBAUM, RUDY (sole trader) Establishment · since 2026 0539956042
- Medikb Registered office · since 2025 1031914704
- Mriia Solutions Registered office · since 2025 1031530266
Connections & network
1 current directorThe network starts from the directors of CHALLENGES & VOUS. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
06-07
Gazette deed
IncorporationStarting capital €1,000 · Appointment: AGNEESSENS Ludivine Stéphanie Cécile Marine (administratricenonstatutaire) · Founder15 points ▸
- Founder, AGNEESSENS Ludivine Stéphanie Cécile Marine
- Incorporation, “CHALLENGES & VOUS” (deed in French)
- Founding capital, €1,000
- AGNEESSENS Ludivine Stéphanie Cécile Marine holds all the shares
- Other provision, “plan financier, capitaux propres de départ” (deed in French)
- Declaration, “responsabilité_fondateurs_faillite_trois_ans, faillite dans les trois ans de la constitution” (deed in French)
- Bank account, 1000, “BE82.7320.7049.1668” (deed in French)
- Other provision, “arrêt_statuts” (deed in French)
- Capital
- Other provision, “priseffetdécisionsfinales, loi” (deed in French)
- Registered office clause, “7000MonsBoulevardSainctelette39” (deed in French)
- Board rule, 1
- The act holds 3 more points.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
On 4 July 2023, CHALLENGES & VOUS was incorporated as a private limited company by one natural person, with a starting capital of €1,000.12 AGNEESSENS Ludivine Stéphanie Cécile Marine is administratricenonstatutaire of the company, appointed in the act of 06-07-2023.2 Total assets went from €12,140 in 2023 to €30,208 in 2025.3
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
12 activities
- Le coaching,la formation et la consultance en matière de sales(commerce,ventes,grande ou petite distribution food et non-food),marketing,management etc
- Mentoring et accompagnement des dirigeants
- Conseils en général aux entreprises
- Conseils pour les affaires et autres conseils de gestion
- Conseils et assistance aux entreprises et aux services publics en matière de planification,d’organisation,de recherche du rendement etc
- Autres activités de soutien aux entreprises
- Aide à la personne en général et plus particulièrement dans la connaissance de soi,orientation professionnelle et privée,prise de décision,… grâce à différents outils(numérologie,Methode Disc,com colors,etc)
- Gestion d’un patrimoine immobilier et mobilier
- Autres formes d’enseignement
- Autres services personnels
- Formations aux étudiants & adultes
- Prise de participations dans toutes entreprises et sociétés(activité de holding)
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 |
|---|---|---|---|---|
| 53053D0025/00G054 | Wallonia | 1,618 m² | 1 · 516 m² | 24.9 m · 7 |