CLB Het Kompas
ActiveCLB Het Kompas has been active since 1948 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €4.23M and a net result of €-7k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 91% of 803 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
70
/ 100
Healthy▼ -24 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-11
Solvency100=
Growth49▼-13
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €300k at 30 days acceptable
Liquidity ample (current ratio 9.41 against 9.04 in 2023), and 9.8% 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
40 d early
2022
40 d early
2021
41 d early
2020
52 d early
2019
39 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Turnover
€1.11M▲ 22.7%
2021 · €907k
2018: €655k
2019: €673k
2020: €795k
2021: €907k
2018 → 2022
EBIT margin
-0.4%▼ 5.3pp
2021 · 4.9%
2018: 16.0%
2019: 11.9%
2020: 14.8%
2021: 4.9%
2018 → 2022
Net result
€-7k
2023 · €92k
2018: €593k
2019: €78k
2020: €63k
2021: €42k
2022: €-6k
2023: €92k
2018 → 2024
Working capital
€1.87M▲ 6.8%
2023 · €1.75M
2018: €1.30M
2019: €1.31M
2020: €1.45M
2021: €1.74M
2022: €1.78M
2023: €1.75M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€795k-€907k▲ 14.0%€1.11M▲ 22.7%
Equity€4.31M-€4.30M▼ 0.2%€4.25M▼ 1.3%€4.29M▲ 1.0%€4.23M▼ 1.3%
Operating result€118k-€45k▼ 61.9%€-4k€60k€-63k
Net result€63k-€42k▼ 33.2%€-6k€92k€-7k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €63k after €60k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.70M
Fixed assets
€2.60M▼ 7.1%
Current assets
€2.09M▲ 6.3%
Equity and liabilities €4.70M
Equity
€4.23M▼ 1.3%
Debt
€462k▼ 3.6%
The debt ratio falls from 10.1% to 9.8%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€156k▼
2023 · €297k
Cash flow
€212k▼
2023 · €328k
Solvency
90.2%▲
2023 · 89.9%
Current ratio
9.41▲
2023 · 9.04
Quick ratio
9.41▲
2023 · 9.04
Debt / equity
0.11▼
2023 · 0.11
ROE
-0.2%▼
2023 · 2.1%
ROA
-0.2%▼
2023 · 1.9%
Interest coverage
59.40▼
2023 · 87.36
Debt
€462k▼
2023 · €479k
Debt ≤ 1 year
€222k▲
2023 · €218k
Debt > 1 year
€63k▼
2023 · €94k
Staff costs
€74k▲
2023 · €73k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€4.77M€4.70M▼
Fixed assets21/28€2.80M€2.60M▼
Intangible fixed assets21-€952
Tangible fixed assets22/27€2.80M€2.60M▼
Land and buildings22€2.70M€2.53M▼
Plant, machinery and equipment23€15k€9k▼
Furniture and vehicles24€82k€54k▼
Leasing and similar rights25€5k€5k▼
Financial fixed assets28€1k€1k=
Current assets29/58€1.97M€2.09M▲
Amounts receivable within one year40/41€197k€185k▼
Trade receivables40€18k€12k▼
Other amounts receivable41€179k€173k▼
Current investments50/53€1.59M€1.59M=
Cash at bank and in hand54/58€122k€303k▲
Deferred charges and accrued income490/1€59k€14k▼
Equity and liabilities
Total equity and liabilities10/49€4.77M€4.70M▼
Equity10/15€4.29M€4.23M▼
Reserves13€3.65M€3.64M▼
Profit (loss) carried forward14€0-
Investment grants15€642k€593k▼
Amounts payable17/49€479k€462k▼
Amounts payable after more than one year17€94k€63k▼
Financial debts170/4€93k€61k▼
Other amounts payable178/9€1k€1k=
Amounts payable within one year42/48€218k€222k▲
Current portion of amounts payable after more than one year42€35k€31k▼
Trade debts44€175k€184k▲
Suppliers440/4€175k€184k▲
Taxes, remuneration and social security45€6k€5k▼
Remuneration and social security454/9€6k€5k▼
Accrued charges and deferred income492/3€168k€177k▲
Income statement
Code20232024
Goods, raw materials, services and sundry goods60/61€738k€790k▲
Remuneration, social security and pensions62€73k€74k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€236k€219k▼
Other operating charges640/8€21k€26k▲
Gross operating margin9900€390k€257k▼
Operating profit (loss)9901€60k€-63k▼
Financial income75/76B€35k€58k▲
Recurring financial income75€35k€58k▲
Non-recurring financial income76B€343€536▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€92k€-7k▼
Profit (loss) for the period9904€92k€-7k▼
Profit (loss) for the period to be appropriated9905€92k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€86k€-7k▼
Profit (loss) brought forward from the previous period14P€-6k-
From contributions791-€7k
To contributions691€86k-
Social balance
Average headcount (FTE)90871.61.7▲
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-7k ▼108%
Net result drops to €-7k, the lowest in the series.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €92k
Net result €92k after one loss-making year.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity doublescurrent ratio 31.00
Current ratio from 12.86 to 31.00; short-term debt falls from €122k to €58k.
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-07-2025
Ann Jespers: Resigned as Chair
31-07-2025
Linde Van den Wyngaert: Resigned as Director
31-07-2025
Stefaan Van Hoof: Resigned as Director
Location & real-estate footprint
Registered office, Mechelen · 3 establishment units since 2004
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.
Vijfhoek 12800 MechelenGround area
2,194 m²
Building footprint
1,565 m²
Volume, LiDAR
6,219 m³
3 parcels, Flanders · tallest building 13.5 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
Hoofdzetel van :Centrum voor leerlingenbegeleiding Het Kompas
since 20042.157.472.317
Vestigingsplaats van :Centrum voor leerlingenbegeleiding Het Kompas
since 20122.207.875.101
Vestigingsplaats van : Centrum voor leerlingenbe geleiding Het Kompas
since 20122.207.875.396
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11045A0258/00G005 | Flanders | 956 m² | 1 · 506 m² | 13.5 m · 2 fl. |
| 12025C0650/00D000 | Flanders | 713 m² | 1 · 604 m² | - |
| 12014K0623/00D003 | Flanders | 525 m² | 1 · 455 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 89 companies in sector 85691 we hold annual accounts for 26. 23 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded01-01-1948
Fiscal year end31-12
Activities, NACEBEL
85691Education
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.