ENTENDRE ET COMPRENDRE
ActiveENTENDRE ET COMPRENDRE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113k and a net result of €25k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 91% of 11323 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 12.94 against 21.31 in 2024; short-term debt: 7.7% and cash: 87.2% of total assets), and 7.7% 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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
92.3%
Return on assets
20.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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 · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €113k
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
3 d late
2024
3 d early
2023
27 d early
2022
41 d early
2021
20 d early
2020
5 d early
2019
25 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€113k▲ 24.1%
2024 · €91k
2018: €86k
2019: €97k
2020: €90k
2021: €86k
2022: €72k
2023: €75k
2024: €91k
2018 → 2025
Total assets
€122k▲ 28.3%
2024 · €95k
2018: €90k
2019: €101k
2020: €94k
2021: €88k
2022: €75k
2023: €84k
2024: €95k
2018 → 2025
Net result
€25k▲ 58.3%
2024 · €16k
2018: €-4k
2019: €12k
2020: €-7k
2021: €-5k
2022: €5k
2023: €8k
2024: €16k
2018 → 2025
Working capital
€112k▲ 24.9%
2024 · €90k
2018: €84k
2019: €97k
2020: €90k
2021: €83k
2022: €70k
2023: €73k
2024: €90k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€86k-€72k▼ 15.6%€75k▲ 3.7%€91k▲ 21.0%€113k▲ 24.1%
Operating result€-4k-€7k€13k▲ 85.1%€22k▲ 65.3%€33k▲ 51.6%
Net result€-5k-€5k€8k▲ 54.1%€16k▲ 86.4%€25k▲ 58.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 52% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€99▼ 84.4%
Current assets
€122k▲ 29.0%
Equity and liabilities €122k
Equity
€113k▲ 24.1%
Debt
€9k▲ 113%
The debt ratio rises from 4.7% to 7.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€34k▲
2024 · €23k
Cash flow
€25k▲
2024 · €17k
Solvency
92.3%▼
2024 · 95.3%
Current ratio
12.94▼
2024 · 21.31
Quick ratio
12.94▼
2024 · 21.31
Debt / equity
0.08▲
2024 · 0.05
ROE
22.1%▲
2024 · 17.3%
ROA
20.4%▲
2024 · 16.5%
Interest coverage
88.77▲
2024 · 64.70
Debt
€9k▲
2024 · €4k
Debt ≤ 1 year
€9k▲
2024 · €4k
Income taxes
€8k▲
2024 · €6k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€95k€122k▲
Fixed assets21/28€635€99▼
Tangible fixed assets22/27€635€99▼
Furniture and vehicles24€635€99▼
Current assets29/58€94k€122k▲
Amounts receivable within one year40/41€2k€15k▲
Trade receivables40€1k€11k▲
Other amounts receivable41€489€4k▲
Cash at bank and in hand54/58€93k€106k▲
Deferred charges and accrued income490/1€82€83▲
Equity and liabilities
Total equity and liabilities10/49€95k€122k▲
Equity10/15€91k€113k▲
Contributions10/11€6k€6k=
Reserves13€84k€106k▲
Distributable reserves133€84k€106k▲
Amounts payable17/49€4k€9k▲
Amounts payable within one year42/48€4k€9k▲
Trade debts44€584€2k▲
Suppliers440/4€584€2k▲
Taxes, remuneration and social security45€4k€4k▲
Taxes450/3€4k€4k▲
Other amounts payable47/48€287€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€536▼
Other operating charges640/8€387€400▲
Gross operating margin9900€24k€34k▲
Operating profit (loss)9901€22k€33k▲
Financial income75/76B€336€475▲
Recurring financial income75€336€475▲
Financial charges65/66B€360€381▲
Recurring financial charges65€360€381▲
Profit (loss) for the period before taxes9903€22k€33k▲
Income taxes67/77€6k€8k▲
Profit (loss) for the period9904€16k€25k▲
Profit (loss) for the period to be appropriated9905€16k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€25k▲
Transfer to equity691/2€16k€22k▲
To other reserves6921€16k€22k▲
Profit to be distributed694/7-€3k
Directors or managers695-€3k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
31-12
Financial
Highest result since 2018net €25k ▲58.3%
Operating result €33k, net result €25k, both a record.
31-12
Financial
Equity above €100kEq €113k ▲24.1%
4 profitable years in a row build equity to €113k.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 21.31
Current ratio from 8.69 to 21.31; short-term debt falls from €9k to €4k.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-7k ▼162%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Gembloux · 1 establishment unit since 2010
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 Feroobu, Beuzet 245030 GemblouxGround area
771 m²
Building footprint
81 m²
Parcel 92011C0243/00R000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Feroobu, Beuzet 24, 5030 Gembloux
since 20102.188.063.048
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92011C0243/00R000 | Wallonia | 771 m² | 1 · 81 m² | - |
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.
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Of 4,422 companies in sector 46180 we hold annual accounts for 1,886. 1,415 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-03-2010
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
32500Manufacture of medical and dental instruments and supplies
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.