FORMATION & LEARNING
ActiveSummary
FORMATION & LEARNING has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55,431 and a net result of €51,431. Its solvency ranks better than 79% of 39,102 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
- Equity
- €55,431
- Profit
- €51,431
Why 98raises riskFounded in 2024lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Liquidity: current ratio 5.30, cash €39,783Equity €55,431 (81.7% of total assets)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 70, micro): better than 86% on solvency, 89% on liquidity and 84% on profitability.
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
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointment: RIVIÈRE Katia Jeanne Lucie…
Financials · financial year 2025, micro format
2025 annual accounts filed late (24 days) Filed on 24 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00416280.
Turnover and EBIT margin not published: the micro format does not require them.
Peer companies
Historical observationOf the 11,280 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 96.6% are still going.
- Micro
- under 2 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
For this company itself Checked computes a bankruptcy probability of < 0.1% 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 497,473 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% | 1.8% |
| 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 74.5% 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 11,280 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.
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €750 |
| Other operating charges640/8 | €3,332 |
| Gross operating margin9900 | €72,488 |
| Operating profit (loss)9901 | €68,406 |
| Financial income75/76B | €0 |
| Recurring financial income75 | €0 |
| Financial charges65/66B | €1,660 |
| Recurring financial charges65 | €1,660 |
| Profit (loss) for the period before taxes9903 | €66,746 |
| Income taxes67/77 | €15,315 |
| Profit (loss) for the period9904 | €51,431 |
| Profit (loss) for the period to be appropriated9905 | €51,431 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €67,886 | |
| Fixed assets21/28 | €1,891 | |
| Tangible fixed assets22/27 | €1,891 | |
| Furniture and vehicles24 | €1,891 | |
| Current assets29/58 | €65,995 | |
| Amounts receivable within one year40/41 | €25,495 | |
| Trade receivables40 | €23,414 | |
| Other amounts receivable41 | €2,081 | |
| Cash at bank and in hand54/58 | €39,783 | |
| Deferred charges and accrued income490/1 | €717 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €67,886 | |
| Equity10/15 | €55,431 | |
| Contributions10/11 | €4,000 | |
| Reserves13 | €51,431 | |
| Distributable reserves133 | €51,431 | |
| Amounts payable17/49 | €12,455 | |
| Amounts payable within one year42/48 | €12,455 | |
| Trade debts44 | €175 | |
| Suppliers440/4 | €175 | |
| Taxes, remuneration and social security45 | €12,280 | |
| Taxes450/3 | €12,280 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €51,431 |
| + Depreciation and write-downs630 | €750 |
| Operating cash flow (approximation) | €52,181 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 24-08-2026 | 2026-00416280 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| RIVIÈRE Katia Jeanne Lucie |
|
Owners and capital
Capital and shareholders
- RIVIÈRE Katia Jeanne Lucie 10 shares (100%) · €4,000
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 08-11-2024 Incorporation · €4,000 · 10 shares
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
08-11
Gazette deed
IncorporationAppointment: RIVIÈRE Katia Jeanne Lucie (director) · Permanent representative: RIVIÈRE Katia Jeanne Lucie · Founder9 facts ▸
- Incorporation, 06-11-2024
- Founder, RIVIÈRE Katia Jeanne Lucie (constituante)
- Founding capital, €4,000
- Other provision, “loi, prise d'effet des dispositions finales” (deed in French)
- Registered office clause, “1457 Walhain,Chaussée de Wavre 7” (deed in French)
- Board rule, 1, “fixé pour la première fois” (deed in French)
- Director appointment, RIVIÈRE Katia Jeanne Lucie (director)
- Pre-incorporation commitments, “takeover, engagements,obligations et activités entrepris depuis deux ans par les comparants au nom et pour compte de la société en formation” (deed in French)
- Permanent representative, RIVIÈRE Katia Jeanne Lucie
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 22 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 25109E0017/00K000 | Wallonia | 1,236 m² | 1 · 111 m² | - |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Toute activité de conseil, de création (Design) et de support à la création (mentoring) de formations, d’expérience d’apprentissage actives…” (deed in French)
7 activities (deed in French)
- Toute activité de conseil, de création (Design) et de support à la création (mentoring) de formations, d’expérience d’apprentissage actives et variées (digitales et/ou présentielles) dans les domaines du leadership, du soft skills et des compétences techniques ;
- L’animation de formations afin de devenir formateur actif et digital ; favoriser la rétention de contenu des apprenants.
- L’animation d’atelier de connaissances de soi (et des autres) et de développement personnel ;
- L’animation d’atelier d’amélioration de processus ;
- Toute activité de conseil et de support pour la création de stratégie de formation à l’implémentation et l’utilisation de Learning Management Systems, Learning Expérience Platform et d’outils de design (utilisant l’intelligence artificielle).
- La gestion et la valorisation d'un patrimoine immobilier, notamment : l'achat, la vente, l'échange, la prise en location et en sous-location, ainsi que la cession en location et en sous-location, le tout avec ou sans option d'achat, la construction, la transformation, la mise en valeur, l’aménagement, l’exploitation, la gestion, l’entretien, le lotissement, la division horizontale et la mise en copropriété forcée, le leasing, la prospection, la promotion sous toutes ses formes d’immeubles et droits réels immobiliers (au sens large : maisons, appartements, bureaux, séniories, magasins, fonds de commerce, terrains, terres et domaines), ainsi que toutes opérations de financement liée.
- La gestion et la valorisation d'un patrimoine mobilier, notamment : toutes les opérations relatives à des biens et des droits mobiliers, de quelque nature que ce soit, tels que la vente et l’achat, la location et la prise en location, l’échange, en particulier la gestion et la valorisation de tous biens négociables, actions, obligations, fonds d’État.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- FORMATION & LEARNING
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Déplacement siège en Belgique, région wallonne” (deed in French)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Article 14. Représentation. La société est représentée dans les actes, y compris ceux où interviennent un fonctionnaire public ou un…”
- Board ruleHow the board is made up, meets and takes decisions.
- “Un ou plusieurs administrateurs, fin de mandat pour justes motifs,sans préavis ni indemnité,par décision de l'assemblée générale” (deed in French)“Frais représentation,voyages et déplacements en sus, rémunération des administrateurs” (deed in French)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “10, rémunération des apports” (deed in French)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Moitié à charge du cédant et moitié à charge du ou des acquéreurs proportionnellement au nombre d'actions acquises, écrit adressé par pli…” (deed in French)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- First Monday of June at 18:00
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Assemblée générale dans formes des modifications aux statuts, un ou plusieurs liquidateurs nommés par l'assemblée générale” (deed in French)