Collège Sainte - Marie
ActiveCollège Sainte - Marie has been active since 1956 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €6.84M and a net result of €230k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 66% of 806 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability81=
Solvency96▲+1
Growth63▼-1
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 19.55 against 18.81 in 2023; short-term debt: 2.5% and cash: 8.7% of total assets), and 29% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
71%
Return on assets
2.4%
Age of the figures
21 mo
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
201 d late
2022
49 d late
2021
135 d late
2020
53 d early
2019
39 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Turnover
€117k▼ 1.5%
2023 · €119k
2018: €113k
2019: €139k
2020: €68k
2021: €78k
2022: €121k
2023: €119k
2018 → 2024
EBIT margin
183.0%▼ 7.3pp
2023 · 190.3%
2018: 192.3%
2019: 173.0%
2020: 341.2%
2021: 316.8%
2022: 251.8%
2023: 190.3%
2018 → 2024
Net result
€230k▲ 0.7%
2023 · €228k
2018: €223k
2019: €237k
2020: €216k
2021: €230k
2022: €312k
2023: €228k
2018 → 2024
Working capital
€4.56M▲ 5.4%
2023 · €4.32M
2018: €2.34M
2019: €3.10M
2020: €3.22M
2021: €3.63M
2022: €4.06M
2023: €4.32M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€68k-€78k▲ 14.5%€121k▲ 55.8%€119k▼ 2.4%€117k▼ 1.5%
Equity€5.84M-€6.07M▲ 3.9%€6.40M▲ 5.3%€6.61M▲ 3.4%€6.84M▲ 3.5%
Operating result€232k-€247k▲ 6.3%€306k▲ 23.9%€226k▼ 26.2%€214k▼ 5.2%
Net result€216k-€230k▲ 6.6%€312k▲ 35.6%€228k▼ 26.9%€230k▲ 0.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 5% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €9.64M
Fixed assets
€4.84M▼ 1.3%
Current assets
€4.80M▲ 5.2%
Equity and liabilities €9.64M
Equity
€6.84M▲ 3.5%
Debt
€2.80M▼ 2.1%
The debt ratio falls from 30.2% to 29.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€496k▼
2023 · €502k
Cash flow
€511k▲
2023 · €504k
Solvency
71.0%▲
2023 · 69.8%
Current ratio
19.55▲
2023 · 18.81
Quick ratio
19.53▲
2023 · 18.80
Debt / equity
0.41▼
2023 · 0.43
ROE
3.4%▼
2023 · 3.4%
ROA
2.4%▼
2023 · 2.4%
Interest coverage
18.34▼
2023 · 27.27
Debt
€2.80M▼
2023 · €2.86M
Debt ≤ 1 year
€246k▲
2023 · €243k
Debt > 1 year
€2.55M▼
2023 · €2.61M
Staff costs
€8.49M▲
2023 · €8.44M
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€9.47M€9.64M▲
Fixed assets21/28€4.90M€4.84M▼
Intangible fixed assets21-€0
Tangible fixed assets22/27€4.90M€4.84M▼
Land and buildings22€4.71M€4.63M▼
Plant, machinery and equipment23€123k€177k▲
Furniture and vehicles24€58k€32k▼
Assets under construction and advance payments27€14k-
Current assets29/58€4.57M€4.80M▲
Amounts receivable after more than one year29€39k€39k=
Trade receivables290€39k€39k=
Stocks and contracts in progress3€4k€3k▼
Stocks30/36€4k€3k▼
Raw materials and consumables30/31€4k€3k▼
Amounts receivable within one year40/41€329k€319k▼
Trade receivables40€23k€14k▼
Other amounts receivable41€306k€305k▼
Current investments50/53€2.58M€3.56M▲
Cash at bank and in hand54/58€1.61M€839k▼
Deferred charges and accrued income490/1€5k€38k▲
Equity and liabilities
Total equity and liabilities10/49€9.47M€9.64M▲
Equity10/15€6.61M€6.84M▲
Contributions10/11€3.68M€3.68M=
Capital10€3.68M€3.68M=
Reserves13€503k€503k=
Profit (loss) carried forward14€2.43M€2.66M▲
Amounts payable17/49€2.86M€2.80M▼
Amounts payable after more than one year17€2.61M€2.55M▼
Financial debts170/4€2.61M€2.55M▼
Credit institutions173€2.61M€2.55M▼
Amounts payable within one year42/48€243k€246k▲
Current portion of amounts payable after more than one year42€100k€74k▼
Trade debts44€38k€53k▲
Suppliers440/4€38k€53k▲
Advances received on contracts in progress46-€149
Taxes, remuneration and social security45€27k€21k▼
Taxes450/3€1k€29▼
Remuneration and social security454/9€26k€21k▼
Accrued charges and deferred income492/3€2k-
Income statement
Code20232024
Operating income70/76A€9.67M€9.80M▲
Turnover70€119k€117k▼
Own construction capitalised72-€9.61M
Other operating income74€54k€70k▲
Non-recurring operating income76A€13k€6k▼
Operating charges60/66A€9.44M€9.59M▲
Goods for resale, raw materials and consumables60€89k€92k▲
Purchases600/8€87k€92k▲
Change in stocks: decrease (increase)609€2k€942▼
Services and other goods61€639k€712k▲
Remuneration, social security and pensions62€8.44M€8.49M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€276k€282k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-32€801▲
Other operating charges640/8€26k€8k▼
Non-recurring operating charges66A€730€5k▲
Operating profit (loss)9901€226k€214k▼
Financial income75/76B€26k€59k▲
Recurring financial income75€26k€54k▲
Income from financial fixed assets750€10k-
Income from current assets751€15k€52k▲
Other financial income752/9€716€3k▲
Non-recurring financial income76B-€5k
Financial charges65/66B€23k€44k▲
Recurring financial charges65€23k€44k▲
Debt charges650€18k€27k▲
Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651€-795€-4k▼
Other financial charges652/9€6k€21k▲
Profit (loss) for the period before taxes9903€228k€230k▲
Profit (loss) for the period9904€228k€230k▲
Profit (loss) for the period to be appropriated9905€228k€230k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.43M€2.66M▲
Profit (loss) brought forward from the previous period14P€2.20M€2.43M▲
Social balance
Average headcount (FTE)90878.2-
The notes to these accounts (29 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
17-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 201 days late
2023
18-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 49 days late
2022
31-12
Financial
Highest result since 2018net €312k ▲35.6%
Operating result €306k, net result €312k, both a record.
13-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 135 days late
2021
23-07
State Gazette act
General meeting · Director resignation
Director appointment · Power of attorney
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €216k ▼9%
Net result drops to €216k, the lowest in the series; recovery starts the following year.
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 39 days late
2019
31-12
Financial
Liquidity quadruplescurrent ratio 37.65
Current ratio from 9.56 to 37.65; short-term debt falls from €274k to €85k.
10-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
18-03
State Gazette act
General meeting · Director resignation
Member resignation · Director appointment
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
08-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 281 days late
2016
08-12
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 130 days late
20-04
State Gazette act
General meeting · Director resignation
Director reappointment · Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
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.
12-07-2023
ES Yvon: Resigned as Director
14-12-2022
Henri CHANTRY: Resigned as Director
03-06-2015
CULOT Pierre: Resigned as Director
Location & real-estate footprint
Registered office, Saint-Ghislain · 3 establishment units since 2006
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.
Rue du Port(SG) 115-1277330 Saint-GhislainGround area
5,507 m²
Building footprint
1,200 m²
Volume, LiDAR
12,316 m³
3 parcels, Wallonia · tallest building 13.8 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
Collège Sainte - Marie
since 20062.151.925.204
ECOLE FONDAMENTALE LIBRE SUBVENTIONNEE COLLEGE SAINTE-MARIE
since 20072.167.086.007
COLLEGE SAINTE-MARIE
since 20072.167.086.106
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53014A0781/00F000 | Wallonia | 2,815 m² | 1 · 826 m² | 13.3 m · 4 fl. |
| 53070C0048/00P018 | Wallonia | 2,566 m² | 1 · 316 m² | 13.8 m · 4 fl. |
| 53070C0044/00H014 | Wallonia | 127 m² | 1 · 58 m² | - |
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.
Structure & network
Ownership & control
1 partyCollège Sainte - MarieBE 0410.225.866
controls
Where this company holds controlthis company sits on their board1
2 subsidiaries · 3 locations
Public money · subsidies and aid
Wallonia-Brussels Federation
2022 to 2025 · 119 entries · 5,046,531 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 23 | 1,357,653 EUR |
| 2024 | 38 | 1,342,208 EUR |
| 2023 | 22 | 1,030,600 EUR |
| 2022 | 36 | 1,316,071 EUR |
Budget allocations
Subventions forfaitaires - Enseignement de plein exercice
Subventions forfaitaires dans le fondamental
Dépenses de toute nature relatives au renforcement de la gratuité scolaire
Financement d’urgence visant à soutenir les secteurs dépendant de la Fédération Wallonie-Bruxelles suite à la crise du coût de l'énergie
Dépenses de toute nature relatives au soutien du travail des directeurs d'établissements scolaires
Show 5 more
Dépenses de toute nature relative à l'acquisition des manuels scolaires, de logiciels scolaires, d'outils pédagogiques et de livrespour la jeunesse
Subventions pour les surveillances de midi dans les établissements fondamental de l'ELS
Subventions forfaitaires
Stratégie numérique pour l'enseignement
Matériel sanitaire
Recognitions · licences · registrations
Food safety, FASFC
3 sitesBoussu2.167.086.007
Saint-Ghislain2.151.925.204
Saint-Ghislain2.167.086.106
Legal Entity Identifier
894500ALDO9WGIC1O122
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Of 612 companies in sector 85314 we hold annual accounts for 422. 376 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded17-10-1956
Fiscal year end31-12
Activities, NACEBEL
80214
85314Education
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.