COACH & CONSULT
ActiveCOACH & CONSULT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €248k and a net result of €129k. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 32% of 2283 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability52▼-18
Solvency50▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 1.84 against 2.12 in 2023; short-term debt: 32.7% and cash: 9.9% of total assets), but 74.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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 · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-08-2025, 12 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
12 d late
2023
5 d early
2022
38 d late
2021
4 d early
2020
25 d late
2019
118 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€248k▲ 109%
2023 · €118k
2018: €80k
2019: €80k
2020: €92k
2021: €97k
2022: €107k
2023: €118k
2018 → 2024
Total assets
€988k▲ 11.9%
2023 · €883k
2018: €648k
2019: €662k
2020: €865k
2021: €792k
2022: €945k
2023: €883k
2018 → 2024
Net result
€129k▲ 1,009%
2023 · €12k
2018: €69
2019: €305
2020: €12k
2021: €5k
2022: €10k
2023: €12k
2018 → 2024
Working capital
€271k▲ 16.9%
2023 · €232k
2018: €105k
2019: €92k
2020: €243k
2021: €182k
2022: €133k
2023: €232k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€92k-€97k▲ 5.5%€107k▲ 10.0%€118k▲ 10.9%€248k▲ 109%
Operating result€24k-€15k▼ 37.5%€18k▲ 21.0%€23k▲ 28.9%€-25k
Net result€12k-€5k▼ 56.7%€10k▲ 91.1%€12k▲ 20.0%€129k▲ 1,009%
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 €25k after €23k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €988k
Fixed assets
€394k▼ 11.4%
Current assets
€594k▲ 35.6%
Equity and liabilities €988k
Equity
€248k▲ 109%
Debt
€740k▼ 3.2%
The debt ratio falls from 86.6% to 74.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▼
2023 · €85k
Cash flow
€188k▲
2023 · €73k
Solvency
25.1%▲
2023 · 13.4%
Current ratio
1.84▼
2023 · 2.12
Quick ratio
1.84▼
2023 · 2.12
Debt / equity
2.99▼
2023 · 6.46
ROE
52.2%▲
2023 · 9.9%
ROA
13.1%▲
2023 · 1.3%
Interest coverage
2.08▼
2023 · 8.81
Debt
€740k▼
2023 · €764k
Debt ≤ 1 year
€323k▲
2023 · €207k
Debt > 1 year
€410k▼
2023 · €554k
Income taxes
€-169k▼
2023 · €2k
Staff costs
€122k▲
2023 · €24k
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€883k€988k▲
Fixed assets21/28€444k€394k▼
Intangible fixed assets21€8k-
Tangible fixed assets22/27€436k€394k▼
Land and buildings22€359k€334k▼
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€75k€57k▼
Other tangible fixed assets26€750€750=
Current assets29/58€438k€594k▲
Amounts receivable after more than one year29€55k€82k▲
Other amounts receivable291€55k€82k▲
Amounts receivable within one year40/41€250k€385k▲
Trade receivables40€136k€259k▲
Other amounts receivable41€114k€126k▲
Cash at bank and in hand54/58€134k€98k▼
Deferred charges and accrued income490/1€131€30k▲
Equity and liabilities
Total equity and liabilities10/49€883k€988k▲
Equity10/15€118k€248k▲
Contributions10/11€19k€19k=
Reserves13€100k€229k▲
Distributable reserves133€100k€229k▲
Amounts payable17/49€764k€740k▼
Amounts payable after more than one year17€554k€410k▼
Financial debts170/4€554k€410k▼
Amounts payable within one year42/48€207k€323k▲
Current portion of amounts payable after more than one year42€27k€38k▲
Trade debts44€99k€151k▲
Suppliers440/4€99k€151k▲
Taxes, remuneration and social security45€15k€41k▲
Taxes450/3€15k€31k▲
Remuneration and social security454/9-€9k
Other amounts payable47/48€66k€94k▲
Accrued charges and deferred income492/3€4k€7k▲
Income statement
Code20232024
Remuneration, social security and pensions62€24k€122k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€62k€58k▼
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A€19k-
Gross operating margin9900€132k€160k▲
Operating profit (loss)9901€23k€-25k▼
Financial income75/76B€463€1k▲
Recurring financial income75€463€1k▲
Financial charges65/66B€10k€16k▲
Recurring financial charges65€10k€16k▲
Profit (loss) for the period before taxes9903€14k€-40k▼
Income taxes67/77€2k€-169k▼
Profit (loss) for the period9904€12k€129k▲
Profit (loss) for the period to be appropriated9905€12k€129k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€129k▲
Transfer to equity691/2€12k€129k▲
To other reserves6921€12k€129k▲
Social balance
Average headcount (FTE)9087-1.2
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 12 days late
2024
31-12
Financial
Highest result since 2018net €129k ▲1009%
Net result €129k, the highest in the series.
31-12
Financial
Equity above €200kEq €248k ▲109%
7 profitable years in a row build equity to €248k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
07-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 38 days late
2022
31-12
Financial
Equity above €100kEq €107k ▲10%
5 profitable years in a row build equity to €107k.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 25 days late
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 118 days late
2019
04-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 126 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 59 days late
2017
16-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 77 days late
28-02
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 212 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Niklaas · 1 establishment unit since 2008
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.
Casinostraat 159100 Sint-NiklaasGround area
542 m²
Building footprint
225 m²
Volume, LiDAR
2,510 m³
Parcel 46443E0362/00K007, Flanders · tallest building 15.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
COACH & CONSULT
since 20082.175.005.561
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46443E0362/00K007 | Flanders | 542 m² | 1 · 225 m² | 15.9 m · 4 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 6,990 EUR awarded · 6,990 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 5,790 EUR |
| 2023 | 1 | 6,990 EUR | 1,200 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,501 companies in sector 82990 we hold annual accounts for 9,399. 6,738 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2008
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
60310News agency activities
63910Computing infrastructure, data processing, hosting and other information service activities
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
73110Advertising agencies
74901Other professional, scientific and technical activities
74991Agents and managers of artists, athletes and other public figures
77400Rental and leasing activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
86909Human health activities
86995Nutrition and dietetics services
96040Personal service activities
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.