Equity
-€5,420
Debts exceed assets in financial year 2025.
Future Coaching
Overview
Lifetime
3 annual accounts with figures on one time axispeak €2,588 (2024)
-€7,532▼ €10,121
lowest -€9,064 (2025)
-€9,064▼ €10,716
peak €3,644 (2024)
-€5,420▼ €9,064
€7,670▼ 29.7%
Board1 name since 2023
1 directorWarmoes An
Documentsfilings and deeds
22-12-202540 days before the deadline
2025micro format
Gross margin from €2,588 to -€7,532Loss of €9,064Equity from €3,644 to -€5,420Debts from €10,907 to €7,670Cash from €2,704 to €755
Key points
from the 2025 annual accountsFilings
3 annual accounts since 2023
The last three annual accounts were filed 15 to 40 days before the end of the period.
Position in the sector
-240.8%
Lower solvency than 95% of companies in real estate. Sector median 28.9% · 17,190 companies.
Turnover not published (micro format)
Checked score
53
Fair
Financially stronger than 12% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025lowest value
08-2025: 0.2%● unchanged vs 07-2025lowest value
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.5%▲ +0.3 percentage points vs 12-2025
02-2026: 0.6%▲ +0.1 percentage points vs 01-2026highest value
03-2026: 0.6%● unchanged vs 02-2026highest value
04-2026: 0.6%● unchanged vs 03-2026highest value
05-2026: 0.6%● unchanged vs 04-2026highest value
06-2026: 0.6%● unchanged vs 05-2026
07-2026: 0.5%▼ -0.1 percentage points vs 06-2026
08-2026: 0.5%● unchanged vs 07-2026
09-2026: 0.5%● unchanged vs 08-2026
10-2026: 0.5%● unchanged vs 09-2026
11-2026: 0.5%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€5,420
Loss of €9,064 (financial year 2025)
lowers risk
Size: total assets €2,251
Sector: Real estate activities (NACE 68)
Calculation
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 68, micro). It does better than 5% of them on solvency, 35% on liquidity, 4% on profitability and 2% on growth.
The bankruptcy probability was computed on 09-11-2026 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 low class on 30-06-2025, 0.8% 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).
Comparable companies, two years later
In July 2024, 6,008 companies had the same profile as Future Coaching has now. Each dot stands for 16 companies, two years later.
83.0%
were still trading
8.4%
stopped another way
7.9%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Future Coaching itself is lower: 0.5% within 12 months. It rests on far more data about Future Coaching than the profile alone.
Test of the method
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 6,008 companies, not a prediction for Future Coaching. 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.
Credit verdict
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
Credit check for an amount and term of your choice
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.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year -€5,420
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
40 days early
2024
15 days early
2023
16 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 24 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 15 January (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Board and ownership
- Warmoes An 95 sharesdeed of 28-04-2023
- Warmoes Claude 5 sharesdeed of 28-04-2023
Recent changes
Change of role: Warmoes An, from manager to director
Legal-form conversion: from limited partnership to private limited company · Warmoes An holds 95 shares · Warmoes Claude holds 5 shares · Gazette deed
Incorporation
published on 16-05-2018 · Gazette deed
First establishment
An Warmoes Vastgoedcoach, Grensstraat 98, Keerbergen
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Future Coaching Keerbergen | €2,251 | -€7,532 | -240.8% | - |
| MADE UNLIMITED Ixelles | €2,810 | -€3,392 | -2321.7% | - |
| HM Projects Invest Wemmel | €1,765 | -€2,526 | -2183.9% | - |
| SNOECKIE Lokeren | €3,094 | -€30,206 | -5206.1% | - |
| AK Consulting Grez-Doiceau | €3,203 | -€14,509 | -619.6% | - |
| HYGGEHUIS Aalst | €2,585 | -€2,114 | -505.6% | - |
| Arias Maasmechelen | €2,325 | -€10,472 | -353.0% | - |
These companies have the same main activity as Future Coaching: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €1,760 and €3,200, founded between 2016 and 2021.
Official details
Source: KBO- Status
- Active since 12-05-2018Normal situation
- Activity
- Real estate agency activitiesNACE 68310and 4 others
- Establishment unit
- 2.275.862.3023140 Keerbergen, since 12-05-2018
- Financial year end
- 30 June
- Peppol
- Reachable
Annual accounts to 30-06-2025
- -€7,532
- €9,064
- -€5,420
- €2,251▼ 84.5%
- Filing
- Filed on 22-12-2025, 40 days before the end of the filing period
Insights on Future Coaching
Future Coaching files the micro format. That format states no turnover. The gross margin fell from €231 in 2023 to -€7,532 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 22-12-2025, 40 days before the deadline-€7,532
▼ €10,121
-€8,172
▼ €9,943
-€9,064
▼ €10,716
-€5,420
▼ €9,083
-
-
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €2,251 on 30-06-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
-
Higher than 45% of 19,156 companies in 2024.
-
Higher than 55% of 18,317 companies in 2024.
-
Higher than 80% of 18,795 companies in 2024.
Future Coaching
Middle half of the sector
80% of the sector
Micro accounts in real estate (NACE 68)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
2,251 | 14,551 | 15,274 | |
21/28 |
- | 0 | 189 | |
22/27 |
- | 0 | 189 | |
23 |
- | 0 | 189 | |
29/58 |
2,251 | 14,551 | 15,085 | |
40/41 |
254 | 7,511 | 95 | |
40 |
0 | 7,511 | 95 | |
41 |
254 | - | 0 | |
50/53 |
0 | 3,145 | 3,145 | |
54/58 |
755 | 2,704 | 10,828 | |
490/1 |
1,242 | 1,190 | 1,017 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
2,251 | 14,551 | 15,274 | |
10/15 |
-5,420 | 3,644 | 1,992 | |
10/11 |
2,500 | 2,500 | 2,500 | |
13 |
1,144 | 1,144 | 0 | |
130/1 |
- | - | 0 | |
1311 |
- | - | 0 | |
133 |
1,144 | 1,144 | 0 | |
14 |
-9,064 | 0 | -508 | |
17/49 |
7,670 | 10,907 | 13,282 | |
42/48 |
7,670 | 10,887 | 13,282 | |
44 |
965 | 566 | 2,240 | |
440/4 |
965 | 566 | 2,240 | |
45 |
0 | 969 | 1,558 | |
450/3 |
0 | 969 | 1,558 | |
47/48 |
6,705 | 9,353 | 9,483 | |
492/3 |
0 | 19 | 0 | |
| Income statement | ||||
9900 |
-7,532 | 2,588 | 231 | |
630 |
0 | 189 | 451 | |
640/8 |
640 | 628 | 886 | |
9901 |
-8,172 | 1,771 | -1,106 | |
75/76B |
- | 0 | 0 | |
75 |
- | 0 | 0 | |
65/66B |
120 | 119 | 130 | |
65 |
120 | 119 | 130 | |
9903 |
-8,292 | 1,652 | -1,236 | |
67/77 |
772 | 0 | 217 | |
9904 |
-9,064 | 1,652 | -1,453 | |
9905 |
-9,064 | 1,652 | -1,453 | |
| Appropriation of the result | ||||
9906 |
-9,064 | 1,144 | -1,453 | |
14P |
0 | -508 | - | |
791/2 |
- | 0 | 945 | |
691/2 |
0 | 1,144 | - | |
6921 |
0 | 1,144 | - | |
| Document | ||||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 22-12-2025.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| -8,172 | 1,961 | -655 | ||
| -9,064 | 1,841 | -1,002 | ||
| 0 | 0 | - | ||
| -1,950 | -8,123 | - | ||
| -5,420 | 3,664 | 1,803 | ||
| - | 25.0% | 13.0% | ||
| - | 1.34 | 1.14 | ||
| - | 2.99 | 6.67 | ||
| - | 45.3% | -72.9% | ||
| - | 11.4% | -9.5% | ||
| -67.90 | 16.43 | -5.02 |
The ratios are withheld because a balance sheet total of €2,251 is too small for a meaningful ratio.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on Future Coaching
The operating result for 2025 is a loss of €8,172, after a profit of €1,771 in 2024. It is the lowest result since 2023.
Equity is negative. Debt (€7,670) exceeds the balance-sheet total (€2,251).
Board & ownership
Board
1 director, last change in 2023Director (not named in the articles)
appointed by deed of 28-04-2023
term without a fixed end
earlier manager, until 28-04-2023
listed in the 2025 annual accounts, filed on 22-12-2025
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 28-04-2023
Mandates through the years
1 name, the dashed line is todayWarmoes An
Director (not named in the articles)
Director (not named in the articles)
BoardEarliermandate already running before its first mention
Mandates as a list
- Warmoes An
- Director (not named in the articles), appointed by deed of 28-04-2023, still in office
- Manager, until 28-04-2023
Control
Shareholders
Warmoes An, Warmoes Claude
This company
Future Coaching
Equity -€5,420
Loss €9,064 in 2025
Capital
- Contribution
- €2,500
- Source
- 2025 annual accounts
Articles of association
deed of 28-04-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of December at 20:00
Shareholders
Stated in the deed
deed of 28-04-2023 ↗
- Warmoes An 95 shares
- Warmoes Claude 5 shares
Network & group
No group
Future Coaching has no parent and no holdings in its annual accounts. Warmoes An is the only director. Future Coaching shares no director with another company.
Timeline
Timeline
8 events since 2018Board
Filings
Financial
Establishments
20182020202220242026
Deadline for the 2026 accounts: 31-01-2027
2025
Annual accounts 2025 filed PDFmicro format · 40 days before the deadline
Weakest financial year net -€9,064 The net result drops to -€9,064, the lowest from 2023 to 2025.
Annual accounts 2024 filed PDFmicro format · 15 days before the deadline
2024
Back to profit net €1,652 The net result is €1,652, after one loss-making year.
Annual accounts 2023 filed PDFmicro format · 16 days before the deadline
2023
Change of role: Warmoes An, from manager to directorLegal-form conversion: from limited partnership to private limited company · Warmoes An holds 95 shares · Warmoes Claude holds 5 shares10 points ▸
- Director resignation, Warmoes An (manager)
- Director appointment, Warmoes An (director (not named in the articles))
- Registered office clause, Grensstraat 98, 3140 Keerbergen
- Auditor report, 05-03-2023
- Legal-form conversion, from limited partnership to private limited company
- Warmoes An holds 95 shares
- Warmoes Claude holds 5 shares
- Net-asset statement, 31-12-2022
- Accounting effect, 31-12-2022
- 100 shares
- The deed holds 6 more points.
2018
Incorporation PDFpublished on 16-05-2018
First establishment An Warmoes Vastgoedcoach, Grensstraat 98, Keerbergen
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0695.877.901
- VAT number
- BE 0695.877.901
- Peppol ID
- 0208:0695877901
- Other Peppol ID
- 9925:BE0695877901
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 12-05-2018
- Financial year
- ends on 30 June
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of December at 20:00deed of 28-04-2023 (in Dutch)
- Peppol
- Reachable via PeppolFollow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Future Coaching in Dutch
- Trade name
- An Warmoes Vastgoedcoach in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 28-04-2023 (in Dutch)
- Name clauseThe company operates under this name according to its articles.
- Future Coachingdeed of 28-04-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 28-04-2023 (in Dutch)
Activities
NACEBEL 202568310
Real estate agency activities main activity
85599
Other education
Codes under NACEBEL 2008
68311
Real estate activities main activity
68321
Real estate activities
68322
Real estate activities
70220
Business consulting
74201
Photography, excluding press photography
85599
Other education
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Bemiddeling bij de aankoop,verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis; Beheer van residentieel onroerend…”deed of 28-04-2023 (in Dutch)
31 activities
- Bemiddeling bij de aankoop,verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis
- Beheer van residentieel onroerend goed voor een vast bedrag of op contractbasis
- Beheer van niet-residentieel onroerend goed voor een vast bedrag of op contractbasis
- Handelsbemiddeling gespecialiseerd in andere goederen,voor bemiddeling bij de overdracht van aandelen
- Alle verrichtingen die hetzij rechtstreeks,hetzij onrechtstreeks verband houden met de aankoop,verkoop,huren,verhuren van onroerende en roerende goederen
- Projectontwikkeling en promotie van onroerende en roerende goederen (o.a. residentiële en niet-residentiële bouwprojecten,
- Het verwerven,vervreemden,beheren,uitbaten,lease,valoriseren,verkavelen,ordenen,huren en verhuren,het doen bouwen of verbouwen,promotie van en makelen in roerende goederen en/of verrichtingen in de meest brede zin
- Transacties betreffende onroerende goederen in de meest ruime zin van het woord,met inbegrip van onroerende leasing
- Het coördineren van bedrijvigheden die betrekking hebben op de gehele of gedeeltelijke uitvoering van voltooïngswerken door onderaannemers
- Fotografie,met uitzondering van persfotografen
- Het geven,organiseren en/of begeleiden van workshops,opleidingen,trainingen,congressen en beurzen,zowel nationaal als internationaal
- De aan- en verkoop,in- en uitvoer,commissiehandel en vertegenwoordiging van om het even welke goederen,in ’t kort tussenpersoon in de handel: groot- of kleinhandel,prestaties als tussenpersoon en/of commissionair
- Handelsbemiddeling gespecialiseerd in andere goederen
- Overige rechtskundige dienstverlening
- Overige onderwijsondersteunende dienstverlening
- Overig adviesbureau op het gebied van bedrijfsbeheer en bedrijfsvoering
- Overige ondersteunde activiteiten in verband met financiële diensten,met uitzondering van vermogensbeheer of beleggingsadvies zoals bedoeld in de Wet van 4 december 1990 op de financiële transacties en de financiële markten en het KB over het vermogensbeheer en het beleggingsadvies van 5 augustus 1991
- Beheer van patrimonium- en bestuursmandaten.
- Kredieten en leningen aangaan en toestaan,zich borg stellen door haar goederen en hypotheek of in pand te geven,inclusief de eigen handelszaak.
- De vennootschap handelt voor eigen rekening,in commissie,als tussenpersoon of als vertegenwoordiger.
- Zij kan deelnemen of zich op een andere wijze interesseren in allerhande vennootschappen,ondernemingen of organisaties die een gelijkaardig of aanverwant voorwerp nastreven of die de verwezenlijking van het voorwerp vergemakkelijken.
- Zij mag de functie van bestuurder of vereffenaar van andere vennootschappen uitoefenen.
- Het verlenen van adviezen en hulp,het verschaffen van informatie aan publiekrechtelijke en het verlenen van adviezen en hulp,het verschaffen privaatrechtelijke bedrijven,instanties,vennootschappen,verenigingen,particulieren en de overheid op het gebied van planning,organisatie,efficiëntie,toezicht en beheer.
- Het uitbaten van concessies,licenties en andere immateriële rechten en activa.
- Het verwerven door koop,huur of anderszins van onroerende en roerende goederen en de terbeschikkingstelling ervan aan haar zaakvoerders.
- Het uitsluitend voor eigen rekening beheren van alle soorten rechten,beleggingen en financiële instrumenten,zoals ondermeer,zonder dat deze opsomming beperkend is,auteursrechten en andere roerende rechten,kunstvoorwerpen,kasbons,aandelen,obligaties,opties,en andere.
- In het algemeen mag zij zowel in België als in het buitenland roerende,onroerende,financiële en commerciële activiteiten verrichten die rechtstreeks of onrechtstreeks dienstig zijn om haar activiteiten uit te oefenen of uit te breiden,zonder dat deze opsomming beperkend is.
- De vennootschap mag optreden als lasthebber,bestuurder,zaakvoerder en/of vereffenaar van alle rechtspersonen.
- De vennootschap mag participaties nemen en investeringen doen,onder welke vorm ook,in andere vennootschappen.
- De vennootschap mag alle burgerlijke,industriële,financiële en commerciële handelingen verrichten,roerende en onroerende goederen aankopen en verkopen,in huur nemen en geven en alle bewerkingen verrichten rechtstreeks of onrechtstreeks,geheel of gedeeltelijk in verband met haar voorwerp of die de verwezenlijking ervan kunnen bevorderen.
- Kortom zij mag alles doen wat verband houdt met bovengenoemd voorwerp of wat van aard is de verwezenlijking ervan te bevorderen.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| An Warmoes Vastgoedcoach registered office Grensstraat 98, 3140 Keerbergen | 12-05-2018 | 2.275.862.302 |
Buildings and parcels at the address
- Ground area
- 884 m²
- Buildings
- 160 m²
- Volume, LiDAR
- 1,073 m³
- Tallest building
- 18.9 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 24048D0216/00P000 | 884 m² | 1 · 160 m² | 18.9 m · 2 |