EDUC'ACTIF
ActiveSummary
EDUC'ACTIF has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16,834 and a net result of €61,793. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 45% of 18626 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency54▲+54
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity tight (current ratio 1.46 against 0.51 in 2024; short-term debt: 68.6% and cash: 22.4% of total assets), and 71.4% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 30-06-2025 was due by 31-01-2026 and was filed on 26-02-2026, 26 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
26 d late
2024
21 d late
2023
28 d late
2022
28 d late
2021
36 d late
2020
18 d late
2019
60 d late
← 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 31 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 28 February (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Turnover
€13,395
EBIT margin
-12.8%
Net result
€61,793▲ 16.3%
2024 · €53,124
Working capital
€18,474
2024 · -€43,321
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result€414€13,076▲ 3,058%€33,011▲ 152%€54,402▲ 64.8%€62,858▲ 15.5%
Net result-€2,000below the sector's middle half▲ 71.6%€11,443within the sector's middle half€31,507above the sector's middle half▲ 175%€53,124above the sector's middle half▲ 68.6%€61,793above the sector's middle half▲ 16.3%
EBIT margin
Equity-€141,033below the sector's middle half▼ 1.4%-€129,590below the sector's middle half▲ 8.1%-€98,083below the sector's middle half▲ 24.3%-€44,959below the sector's middle half▲ 54.2%€16,834within the sector's middle half
Total assets€3,202below the sector's middle half▲ 67.7%€1,384below the sector's middle half▼ 56.8%€5,760below the sector's middle half▲ 316%€44,666below the sector's middle half▲ 675%€58,820within the sector's middle half▲ 31.7%
Debt€144,235▲ 2.3%€130,974▼ 9.2%€103,843▼ 20.7%€89,625▼ 13.7%€41,986▼ 53.2%
Working capital-€140,832below the sector's middle half▼ 1.5%-€128,656below the sector's middle half▲ 8.6%-€97,408below the sector's middle half▲ 24.3%-€43,321below the sector's middle half▲ 55.5%€18,474within the sector's middle half
Solvency-100.7%below the sector's middle half28.6%within the sector's middle half▲ 129.3pp
Current ratio0.06below the sector's middle half0.51below the sector's middle half▲ 0.451.46within the sector's middle half▲ 0.95
Return on assets (ROA)547.0%above the sector's middle half118.9%above the sector's middle half▼ 428.1pp105.1%above the sector's middle half▼ 13.9pp
Staff (FTE)10.3▼ 70.0%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 16% above 2024 and is the highest result in the available series.
Balance-sheet composition
Equity and liabilities €58,820
Equity
€16,834
Debt
€41,986
Debt finances 71.4% of the balance-sheet total.
Key figures and ratios
Debt to equity
2.49▲
2024 · -1.99
ROE
367.1%
Debt ≤ 1 year
€40,346▼
2024 · €87,987
Income taxes
€2,614
Staff costs
€957▼
2024 · €3,994
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,053 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.4%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,053 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €3,994 | €957 | ▼ 76.0% |
| Other operating charges640/8 | - | €1,244 | €1,885 | €1,433 | €1,325 | ▼ 7.5% |
| Gross operating margin9900 | €596 | €14,320 | €34,896 | €59,829 | €65,140 | ▲ 8.9% |
| Operating profit (loss)9901 | €414 | €13,076 | €33,011 | €54,402 | €62,858 | ▲ 15.5% |
| Financial income75/76B | - | - | - | €5 | €1,716 | ▲ 34,220% |
| Recurring financial income75 | - | - | - | €5 | €1,716 | ▲ 34,220% |
| Financial charges65/66B | - | €1,633 | €1,504 | €1,283 | €167 | ▼ 87.0% |
| Recurring financial charges65 | €2,414 | €1,633 | €1,504 | €1,283 | €167 | ▼ 87.0% |
| Profit (loss) for the period before taxes9903 | -€2,000 | €11,443 | €31,507 | €53,124 | €64,407 | ▲ 21.2% |
| Income taxes67/77 | - | - | - | - | €2,614 | - |
| Profit (loss) for the period9904 | -€2,000 | €11,443 | €31,507 | €53,124 | €61,793 | ▲ 16.3% |
| Profit (loss) for the period to be appropriated9905 | -€2,000 | €11,443 | €31,507 | €53,124 | €61,793 | ▲ 16.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3,202 | €1,384 | €5,760 | €44,666 | €58,820 | ▲ 31.7% |
| Current assets29/58 | €3,202 | €1,384 | €5,760 | €44,666 | €58,820 | ▲ 31.7% |
| Amounts receivable after more than one year29 | - | - | - | €302 | - | - |
| Trade receivables290 | - | - | - | €302 | - | - |
| Amounts receivable within one year40/41 | €3,202 | €1,259 | €4,059 | €25,651 | €45,497 | ▲ 77.4% |
| Trade receivables40 | - | €1,259 | €4,059 | €6,445 | €8,065 | ▲ 25.1% |
| Other amounts receivable41 | - | - | - | €19,206 | €37,432 | ▲ 94.9% |
| Cash at bank and in hand54/58 | - | - | €1,701 | €18,573 | €13,179 | ▼ 29.0% |
| Deferred charges and accrued income490/1 | - | €125 | - | €140 | €144 | ▲ 2.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3,202 | €1,384 | €5,760 | €44,666 | €58,820 | ▲ 31.7% |
| Equity10/15 | -€141,033 | -€129,590 | -€98,083 | -€44,959 | €16,834 | ▲ 137% |
| Contributions10/11 | - | €10,150 | €10,150 | €10,150 | €10,150 | = |
| Profit (loss) carried forward14 | -€151,183 | -€139,740 | -€108,233 | -€55,109 | €6,684 | ▲ 112% |
| Amounts payable17/49 | €144,235 | €130,974 | €103,843 | €89,625 | €41,986 | ▼ 53.2% |
| Amounts payable within one year42/48 | €144,034 | €130,040 | €103,168 | €87,987 | €40,346 | ▼ 54.1% |
| Financial debts43 | - | €8,030 | €5,456 | €5,231 | €4,431 | ▼ 15.3% |
| Credit institutions430/8 | - | €8,030 | €5,456 | €5,231 | €4,431 | ▼ 15.3% |
| Trade debts44 | €2,068 | €3,021 | €3,524 | €2,788 | €3,613 | ▲ 29.6% |
| Suppliers440/4 | - | €3,021 | €3,524 | - | €2,821 | - |
| Bills of exchange payable441 | - | - | - | €2,788 | €792 | ▼ 71.6% |
| Taxes, remuneration and social security45 | - | - | - | €795 | €2,642 | ▲ 232% |
| Taxes450/3 | - | - | - | - | €2,614 | - |
| Remuneration and social security454/9 | - | - | - | €795 | €28 | ▼ 96.5% |
| Other amounts payable47/48 | - | €118,989 | €94,188 | €79,173 | €29,660 | ▼ 62.5% |
| Accrued charges and deferred income492/3 | - | €934 | €675 | €1,638 | €1,640 | ▲ 0.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,000 | €11,443 | €31,507 | €53,124 | €61,793 | ▲ 16.3% |
| Operating cash flow (approximation) | -€2,000 | €11,443 | €31,507 | €53,124 | €61,793 | ▲ 16.3% |
| Change in cash | - | - | - | €16,872 | -€5,394 | ▼ 132% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
30-06
Financial
Highest result since 2019net €61,793 ▲16.3%
Operating result €62,858, net result €61,793, both a record.
30-06
Financial
Liquidity triplescurrent ratio 1.46
Current ratio from 0.51 to 1.46; short-term debt falls from €87,987 to €40,346.
21-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
28-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
30-06
Financial
Back to profitnet €11,443
Net result €11,443 after 3 loss-making years.
08-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 36 days late
2021
18-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 18 days late
2020
30-06
Financial
Weakest financial yearnet -€7,045
Net result drops to -€7,045, the lowest in the series; recovery starts the following year.
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 60 days late
2019
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
01-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
03-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 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, Bassenge · 1 establishment unit since 2021
Ground area
274 m²
Building footprint
86 m²
Volume, LiDAR
674 m³
Parcel 62011B0244/00E000, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
EDUC'ACTIF
since 20212.316.965.952
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62011B0244/00E000 | Wallonia | 274 m² | 1 · 86 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
DVA Management
BE 1005.689.664
Gerpinnes · Eq €16,928
The Golferie
BE 0803.800.297
Lommel · Eq €16,667
CIRCUS JOJO WORKSHOPS
BE 0474.038.208
Hasselt · Eq €16,655
SPORTS DISTRIBUTION
BE 0634.928.346
Trooz · Eq €16,639
REWILD OUTFIT
BE 0797.205.188
Waremme · Eq €16,526
Of 2,102 companies in sector 47640 we hold annual accounts for 907. 530 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-10-2009
Fiscal year end30-06
Activities, NACEBEL 2025
47640Retail sale of games and toys
85599Other education
90111Literary creation
Contact
E-mail
danielle.bronsart@gmail.comBassenge
Phone
0477.49.23.66Bassenge
E-invoicing
Reachable via Peppol
Peppol ID
0208:0819431749
Registered
30-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.