Equity
Equity rose in 2025 from €213,369 to €392,111.
Equity rose in 2025 from €213,369 to €392,111.
The accounts state no turnover.
Of this, €734,543 falls due within a year.
In 2025, 90 people joined and 88 left.
Latest accounts filed late: after the legal deadline.
Higher net result than 92% of companies in education. Sector median €11,310 · 587 companies.
A confirmed filing finding caps the score at 59.
The dashed line is the sector median: < 0.1% across 623 companies (NACE 85, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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, small). It does better than 27% of them on solvency, 7% on liquidity, 99% on profitability and 96% on growth.
The bankruptcy probability was computed on 06-11-2026 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.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
In July 2024, 2,609 companies had the same profile as D Y Patil ABS has now. Each dot stands for 7 companies, two years later.
That fits the bankruptcy probability of D Y Patil ABS itself: 0.1% within 12 months.
The method was tested on the 497,447 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 2,609 companies, not a prediction for D Y Patil ABS. 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.
Liquidity is ample, with a current ratio of 1.67 (1.11 in 2024), above the usual 1.5. Short-term debt is 54.8% and cash 8.8% of total assets. However, 70.8% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 238 days after 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.
| Company | ||||
|---|---|---|---|---|
| D Y Patil ABS Aartselaar | - | - | 29.2% | 35.4 |
| International School Ghent Ghent | - | - | 23.0% | 16.5 |
| British Junior Academy of Brussels Etterbeek | - | - | 24.6% | 49.8 |
| International School of Leuven Leuven | €892,418 | 10.8% | 40.7% | 8.5 |
| VRIJE GESUBSIDIEERDE BASISSCHOOL TERKOEST Alken | €19,854 | 99.3% | 62.9% | - |
| Vrije Rudolf Steinerschool Gent - De Teunisbloem Ghent | - | - | 71.8% | - |
| ONDERWIJS KINDSHEID JESU SCHOTEN Schoten | €406,367 | 29.3% | 63.5% | - |
These companies have their main activity in the same NACE class as D Y Patil ABS: education (NACE 8520). With exactly the same main activity (NACE 85209), too few companies are of comparable size. They are comparable in size and age: total assets between €1.6m and €5.5m, founded between 2004 and 2014.
D Y Patil ABS has existed since 2011. The gross margin grew from €1.5m in 2012 to €2.6m in 2025.
Solvency rose in 2025 from 20.0% to 29.2% because of the retained profit.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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