Financials
- Financial year
- 2025
- Total assets
- €679,703
- Profit
- €4,458
- Solvency
- 30.1%
GUBERNA EDUCATION & SERVICES
ActiveSummary
GUBERNA EDUCATION & SERVICES has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €204,458 and a net result of €4,458. Its solvency ranks better than 29% of 832 sector peers (NACE 85, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Activity
Vocational training
NACE 85592
2 sites
Size
€679,703total assets 2025
- Equity
- €204,458
- Profit
- €4,458
Turnover not published (abbreviated format)
Structure
- Parent
- Instituut voor Bestuurders - l'Institut des Administrateurs · 100%
- Board
- 4 members
Auditor: Peter VandewalleAccounts 70 days early
Why 91raises riskFounded in 2024lowers riskSector: Education (NACE 85)Size: total assets €679,703Figures for financial year 2025 (filed 22-05-2026)Show the evidence
Checked score
Score 2025
91
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 31% of its sector peers (NACE 85, micro)
Financial strength
Average
Solvency
55
equity 30.1% of total assets
Liquidity
31
short-term debt 68.4% · cash 14.1%
Profitability
70
return on assets 0.7%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 0.4%
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.5%▲ +0.1 percentage points vs 03-2026
05-2026: 0.5%● unchanged vs 04-2026highest value
06-2026: 0.1%▼ -0.4 percentage points vs 05-2026lowest value
07-2026: 0.1%● unchanged vs 06-2026lowest value
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
Credit of up to €18,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity tight (current ratio 1.46, below the usual 1.5; short-term debt: 68.4% and cash: 14.1% of total assets), and 69.9% of the assets are financed with debt and provisions.
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 85, micro): better than 38% on solvency, 16% on liquidity and 41% on profitability.
The bankruptcy probability was computed on 16-10-2026 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
Five signals.
lowers riskraises riskneutral
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 22-05-2026, 70 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
70 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
- Permanent representatives: Peter Vandewalle and Tom…Gazette deed
- Appointment: Francis Deprez (director)Reappointments: Olivier Hamoir, Pierre-Henri D'haene…
- Annual accounts filedfinancial year 2025 · abbreviated…
Key points
By topic
Board & ownership
- Board
- 4 members
- Parent
- Instituut voor Bestuurders -… · 100%
- Auditor
- Peter Vandewalle
- Francis DeprezDirector
- Katrin GeyskensDirector
- Olivier HamoirDirector
- Pierre-Henri D'haeneDirector
Network & group
- Connected companies
- 19
Timeline
- Events
- 8
- Since
- 2024
- 04-12-2025Resignation: Julie Bynens (director)
- 23-10-2025Appointment: Peter Vandewalle (statutory auditor)
- 24-06-2025Appointment: Sandra Gobert (gedelegeerd/dagelijks bestuurder)
Company details
- Sites
- 2
- Legal form
- Private limited company
- Activity
- Vocational trainingNACE 85592
- Founded
- 20-12-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 36
- Who signs
- Two directors jointly
- Annual meeting
- Last Thursday of April at 19:00
- Purpose
- “De professionalisering van de raden van bestuur en hun bestuurders/bestuursters bevorderen…” (deed in Dutch)
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