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COMPETENCES ET EQUILIBRE

Active
Private limited companyfounded 2008active for 18 yearsAvenue Schattens (Adolphe) 65, 1410 Waterloo, BelgiumKBO/BCE: BE 0806.997.438
Summary

COMPETENCES ET EQUILIBRE has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63,707 and a net result of €22,380. Equity is growing by about 3.7% per year across the filed financial years. Its solvency ranks better than 51% of 20,589 sector peers (NACE 86, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Activity
Human health activities
NACE 86932
1 site
Size
€93,725turnover 2025
Equity
€63,707
Profit
€22,380
Financial health
92 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
Accounts 3 days early0 of 3 deeds read
Why 92raises riskSize: turnover €93,725, total assets €98,779lowers riskLiquidity: current ratio 1.17, cash €16,322Equity €63,707 (64.5% of total assets)Founded in 2008Show the evidence

Checked score

Score 2025
92 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 62% of its sector peers (NACE 72, micro)
Financial strength · tick = 2024
Strong
Solvency 89+1
equity 64.5% of total assets
Liquidity 59-26
short-term debt 28.8% · cash 16.5%
Profitability 98+13
return on assets 22.7%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (934 companies, NACE 72, micro)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025lowest value 03-2025: 0.1%● unchanged vs 02-2025lowest value 04-2025: 0.1%● unchanged vs 03-2025lowest value 05-2025: 0.1%● unchanged vs 04-2025lowest value 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: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged 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 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026highest value
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.17, compared with 2.65 in 2024, below the usual 1.5; short-term debt: 28.8% and cash: 16.5% of total assets), and 35.5% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 72, micro): better than 56% on solvency, 47% on liquidity, 79% on profitability and 63% on growth.

The bankruptcy probability was computed on 22-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 1.17, cash €16,322
NBB · annual accounts
raises risk · Size: turnover €93,725, total assets €98,779
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Equity €63,707 (64.5% of total assets)
NBB · annual accounts
lowers risk · Founded in 2008
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
3 days early
2024
8 days early
2023
42 days early
2022
39 days early
2021
20 days early
2020
6 days early
2019
4 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 17 days before the deadline; the sector median (NACE 86) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 11 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end23-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Highest result from 2019 to 2025net €22,380 ▲277%
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Turnover 20256 financial years filed €93,725 View
  • Active since 2008founded 07-10-2008 18 years View

By topic

Financials

Financial year
2025
Turnover
€93,725
Profit
€22,380
Solvency
64.5%
Turnover▼ 4.6%
Net result
20192025
Go to Financials

Timeline

Events
20
Since
2010
Next accounts
by 31-01-2027
  1. 20-12-2023Annual accounts filed
  2. 30-06-2023Back to profit
  3. 23-12-2022Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Human health activitiesNACE 86932
Founded
07-10-2008
Year ends
30-06
Peppol
Not found in the Peppol directory
Go to Company details

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