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Complete company report
Generated 14-08-2026
Active BE 1017.731.324Private limited company

GUBERNA EDUCATION & SERVICES

Havenlaan 86C ·1000 Brussel, Belgium· 1 yrs active
Sector: Beroepsopleiding (85592)
Conclusion Checked

The computed 12-month bankruptcy probability of GUBERNA EDUCATION & SERVICES is 0.4% (very low). The 2025 annual accounts show equity of €204k and a net result of €4k. Its solvency ranks better than 38% of 279 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €204k
Net result €4k
Better than sector 38%
Active 1 yrs
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health71Profitability11Solvency57Growth-Stability67
52 / 100

Mixed profile: strong on health, weaker on profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 71
Profitability 11
Solvency 57
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
0.4% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Higher-failure-rate region +Young company +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2025 · computed
71 / 100 Healthy
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 22-05-2026 with the NBB · fiscal year 2025 · verkort
Sector comparison
Fiscal year 2025 · NACE 85 · compared across all schema types (micro, abbreviated and full combined)
Metric This company Sector median Position in the sector
Solvency 30.1% 43.1%
better than 38% of 279 sector peers
Net result €4k €13k
better than 35% of 278 sector peers
Equity €204k €28k
better than 86% of 279 sector peers
Gross operating margin €8k €33k
better than 25% of 274 sector peers
Total assets €680k €90k
better than 90% of 279 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2025
Depositverkort
Revenue-
EBITDA€7k
Net profit€4k
Cash flow€5k
Staff costs-
Income taxes€2k
Dividends-
Total assets€680k
Equity€204k
Debt€475k
of which ≤ 1y€465k
of which > 1y-
Working capital€212k
Employees (FTE)-
Ratios (computed)
2025
Current ratio1.46
Quick ratio1.46
Working capital ratio31.2%
Solvency30.1%
Debt / equity2.32
Long-term debt ratio-
Interest coverage20.48
Gross margin-
Net margin-
ROA0.7%
ROE2.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€680k
Formation expenses 20€3k
Current assets 29/58€677k
Amounts receivable within one year 40/41€579k
Cash & bank 54/58€96k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€680k
Equity 10/15€204k
Contributions / capital 10/11€200k
Accumulated profits (losses) 14€4k
Amounts payable 17/49€475k
Amounts payable within one year 42/48€465k
Trade debts payable within one year 44€465k
Income statement
Gross operating margin 9900€8k
Operating result 9901€7k
Financial income 75€10
Financial charges 65€363
Result before taxes 9903€6k
Income taxes 67/77€2k
Net result for the period 9904€4k
Result to be appropriated 9905€4k
Ratios computed by Checked.
Directors & mandates 5 directors
Current directors & mandates
  • Hans De Cuyper
    Director
    State Gazette act 25067845 (28-05-2025)
    Current
    28-05-2025 → present
  • Philippe Leroy
    Director
    State Gazette act 25067845 (28-05-2025)
    Current
    28-05-2025 → present
  • Sandra Gobert
    Managing director
    State Gazette act 25078926 (24-06-2025)
    Current
    20-12-2024 → present
Former directors (2)
  • Chantal DE VRIEZE
    Director
    State Gazette act 25067845 (28-05-2025)
    Former
    - → 28-05-2025
  • Paul Dujardin
    Director
    State Gazette act 25067845 (28-05-2025)
    Former
    - → 28-05-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Statutory auditor 1 auditor
Statutory auditor IRE/IBR number Tenure
Peter VandewalleCurrent
Statutory auditor
 - 23-10-2025 → present
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Legal Structure
NACE primary Beroepsopleiding(85592)
Legal form Private limited company(610)
Incorporation20-12-2024
StatusActive
Postal code1000
Establishment units 2 locations
GUBERNA EDUCATION & SERVICES
Havenlaan 86C, 1000 BrusselOrganisatie van congressen en beurzen
since 20252.372.325.931
GUBERNA EDUCATION & SERVICES
Reep 1, 9000 GentOrganisatie van congressen en beurzen
since 20252.375.058.658
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
21814P0141/00A002 Brussels 1.1 ha 1 · 1.1 ha 34.6 m · 7 fl.
44804D1420/00E000 Flanders 7,398 m² 1 · 5,069 m² 23.9 m · 6 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 8 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
01-06-2026
State Gazette act Director changes
22-05-2026
NBB filing Annual accounts filed
fiscal year 2025 · verkort
2025
04-12-2025
State Gazette act Director changes
v3.2
23-10-2025
State Gazette act Director changes
v3.2
24-06-2025
State Gazette act Director changes
v3.2
28-05-2025
State Gazette act Director changes
v3.2
2024
24-12-2024
State Gazette act Incorporation
oprichting
24-12-2024
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 7 acts
All acts · 7 updated 2 months ago
2026
01-06-2026 2 directors appointed, 3 resigning, 3 reappointed Director changes
  • Francis Deprez, Bestuurder
  • Liesbeth De Ridder, Secretaris
  • Julie Bynens, Bestuurder
  • Philippe Masset, Bestuurder
  • Françoise Roels, Bestuurder
  • Olivier Hamoir, Bestuurder
  • Pierre-Henri D'haene, Bestuurder
  • Katrin Geyskens, Bestuurder
Technical details 
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        "name": "Julie Bynens",
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    {
      "kind": "director_out",
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        "name": "Philippe Masset",
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    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Fran\u00E7oise Roels",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "end_of_term",
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    },
    {
      "kind": "delegation_dagelijks_bestuur_in",
      "role": "secretaris",
      "person": {
        "rrn": null,
        "name": "Liesbeth De Ridder",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
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      "compensated": null,
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      "decharge_status": null,
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  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Brussel",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2026-06-01",
    "filing_date": "2026-05-22",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "enig_aandeelhouder_schriftelijk",
      "date": "2026-04-22",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "1017.731.324",
    "name_full": "GUBERNA EDUCATION \u0026 SERVICES",
    "legal_form": "BESLOTEN VENNOOTSCHAP"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Liesbeth De Ridder",
    "org_rep_person_name": null,
    "person_role_at_subject": "Secretaris-generaal"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2025
04-12-2025 Change in the board of directors Director changes
Summary: v3.2
Technical details 
{
  "events": [],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "1017.731.324",
    "name_full": "GUBERNA EDUCATION \u0026 SERVICES",
    "legal_form": "BV"
  }
}
23-10-2025 Peter Vandewalle appointed as statutory auditor Director changes
  • Peter Vandewalle, Commissaris
Summary: v3.2
Technical details 
{
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      "role": "commissaris",
      "person": {
        "rrn": null,
        "name": "Peter Vandewalle",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "De Algemene Vergadering besluit tot benoeming van de commissaris Peter Vandewalle van VGD Bedrijfsrevisoren voor een mandaat van 3 jaar (...)."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
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  "subject_company": {
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    "legal_form": "BV"
  }
}
24-06-2025 Sandra Gobert appointed as managing director Director changes
  • Sandra Gobert, Gedelegeerd bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Sandra Gobert",
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      },
      "effective_date": "2024-12-20",
      "evidence_quote": "Conform artikel 18 van de statuten vertrouwt de Raad van Bestuur het dagelijks bestuur van de vennootschap toe aan mevrouw Sandra Gobert, vanaf 20 december 2024 en voor onbepaalde duur."
    }
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28-05-2025 1 director appointed, 2 resigning, 1 reappointed Director changes
  • Hans De Cuyper, Bestuurder
  • Chantal De Vrieze, Bestuurder
  • Paul Dujardin, Bestuurder
  • Philippe Leroy, Bestuurder
Summary: v3.2
Technical details 
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      "kind": "director_out",
      "role": "bestuurder",
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      },
      "effective_date": "2025-05-28",
      "evidence_quote": "De Algemene Vergadering stelt het ontslag als bestuurder vast van mevr. Chantal De Vrieze en van dhr. Paul Dujardin, wiens mandaten op vandaag een einde nemen."
    },
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      "kind": "director_out",
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        "rrn": null,
        "name": "Paul Dujardin",
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      "effective_date": "2025-05-28",
      "evidence_quote": "De Algemene Vergadering stelt het ontslag als bestuurder vast van mevr. Chantal De Vrieze en van dhr. Paul Dujardin, wiens mandaten op vandaag een einde nemen."
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        "name": "Hans De Cuyper",
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      },
      "effective_date": "2025-05-28",
      "evidence_quote": "De Algemene Vergadering besluit tot het benoemen van Hans De Cuyper als bestuurder voor een mandaat van 4 jaar, dat een einde zal nemen op de Algemene Vergadering van 2029."
    },
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        "name": "Philippe Leroy",
        "address": null,
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      },
      "effective_date": "2025-05-28",
      "evidence_quote": "De Algemene Vergadering besluit tot het herbenoemen van Philippe Leroy als bestuurder voor een mandaat van 4 jaar, dat een einde zai nemen op de Algemene Vergadering van 2029."
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}
2024
24-12-2024 Incorporation of a new SRL Incorporation
Summary: oprichting
Technical details 
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  "seat": "1000 Bruxelles, Avenue du Port 86C bo\u00EEte 318",
  "schema": "v3.2",
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      "kind": "rechtspersoon",
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  "incorporation_date": "2024-12-19",
  "post_incorporation_mandates": []
}
24-12-2024 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
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  "initial_directors": [],
  "incorporation_date": "2024-12-19",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Beroepsopleiding85592Beroepsopleiding85592Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameFR GUBERNA EDUCATION & SERVICES
Legal nameNL GUBERNA EDUCATION & SERVICES
Registered office
Havenlaan 86C bus 318
1000 Brussel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative