FLOW TRAINING AND CONSULTING
ActiveFLOW TRAINING AND CONSULTING has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €27k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 16511 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency31▼-45
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2025Solvency, return and age of the figures
Solvency
6.2%
Return on assets
39.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 16511 sector peers (2025).
NBB · sector comparisonPosition among 16511 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
32 d early
2024
29 d late
2023
28 d late
2022
30 d late
2021
31 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k▼ 83.5%
2024 · €25k
2021: €4k
2022: €-891
2023: €11k
2024: €25k
2021 → 2025
Total assets
€68k▲ 37.7%
2024 · €49k
2021: €76k
2022: €62k
2023: €51k
2024: €49k
2021 → 2025
Net result
€27k▲ 81.2%
2024 · €15k
2021: €3k
2022: €-4k
2023: €11k
2024: €15k
2021 → 2025
Working capital
€-21k▼ 566%
2024 · €-3k
2021: €-50k
2022: €-47k
2023: €-25k
2024: €-3k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€-891€11k€25k▲ 139%€4k▼ 83.5%
Operating result€4k-€-4k€15k€20k▲ 31.5%€35k▲ 73.8%
Net result€3k-€-4k€11k€15k▲ 28.5%€27k▲ 81.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 74% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €68k
Fixed assets
€25k▼ 11.6%
Current assets
€43k▲ 105%
Equity and liabilities €68k
Equity
€4k▼ 83.5%
Debt
€63k▲ 166%
The debt ratio rises from 48.6% to 93.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€40k▲
2024 · €28k
Cash flow
€33k▲
2024 · €23k
Solvency
6.2%▼
2024 · 51.4%
Current ratio
0.67▼
2024 · 0.87
Quick ratio
0.67▼
2024 · 0.87
Debt / equity
15.21▲
2024 · 0.95
ROE
637.7%▲
2024 · 58.2%
ROA
39.3%▲
2024 · 29.9%
Interest coverage
517.39▲
2024 · 115.11
Debt
€63k▲
2024 · €24k
Debt ≤ 1 year
€63k▲
2024 · €24k
Income taxes
€8k▲
2024 · €5k
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€49k€68k▲
Fixed assets21/28€28k€25k▼
Intangible fixed assets21€27k€22k▼
Tangible fixed assets22/27€2k€3k▲
Furniture and vehicles24€2k€3k▲
Current assets29/58€21k€43k▲
Amounts receivable within one year40/41€4k€5k▲
Trade receivables40€4k€5k▲
Cash at bank and in hand54/58€17k€38k▲
Deferred charges and accrued income490/1€195€105▼
Equity and liabilities
Total equity and liabilities10/49€49k€68k▲
Equity10/15€25k€4k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€24k€3k▼
Amounts payable17/49€24k€63k▲
Amounts payable within one year42/48€24k€63k▲
Current portion of amounts payable after more than one year42-€65
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€11k€16k▲
Taxes450/3€11k€15k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€11k€45k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€6k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€30k€43k▲
Operating profit (loss)9901€20k€35k▲
Financial income75/76B€58-
Recurring financial income75€58-
Financial charges65/66B€247€78▼
Recurring financial charges65€247€78▼
Profit (loss) for the period before taxes9903€20k€34k▲
Income taxes67/77€5k€8k▲
Profit (loss) for the period9904€15k€27k▲
Profit (loss) for the period to be appropriated9905€15k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€51k▲
Profit (loss) brought forward from the previous period14P€10k€24k▲
Profit to be distributed694/7-€48k
Return on contributions (dividend)694-€48k
The notes to these accounts (8 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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €27k ▲81.2%
Operating result €35k, net result €27k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-4k ▼275%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
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, Watermaal-Bosvoorde · 1 establishment unit since 2020
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.
Reigerboslaan 981170 Watermaal-BosvoordeGround area
5,516 m²
Building footprint
807 m²
Volume, LiDAR
31,157 m³
Parcel 21017D0208/00H000, Brussels · tallest building 43.7 m, ±13 floors. Linked by address, not a title deed.
1 establishment unit
fFLOW TRADING AND CONSULTING
since 20202.310.956.605
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21017D0208/00H000 | Brussels | 5,516 m² | 1 · 807 m² | 43.7 m · 13 fl. |
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.
Similar companies · same sector, comparable size
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Praktijk Liv
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Dr. Ivo Tjia
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Orthopedagoog Natalie De Koker
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Londerzeel · Eq €4k
Of 5,524 companies in sector 86931 we hold annual accounts for 550. 269 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2020
Fiscal year end31-12
Activities, NACEBEL
86904Human health activities
86931Psychology services
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
85699Other educational support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.