Human Learning
ActiveHuman Learning has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €2k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 33% of 16974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (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
Profitability72▲+72
Solvency63▲+6
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 1.4 in 2024; short-term debt: 61.7% and cash: 93.8% of total assets), but 61.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 62
Relative position
BE, all sectors
reference
Sector 62
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
38.3%
Return on assets
2.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
19 d late
2024
26 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
91 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€24k▲ 7.3%
2024 · €22k
2020: €14k
2021: €24k
2022: €30k
2023: €36k
2024: €22k
2020 → 2025
Total assets
€63k▼ 11.7%
2024 · €71k
2020: €114k
2021: €119k
2022: €98k
2023: €159k
2024: €71k
2020 → 2025
Net result
€2k
2024 · €-13k
2020: €12k
2021: €9k
2022: €6k
2023: €6k
2024: €-13k
2020 → 2025
Working capital
€23k▲ 17.5%
2024 · €20k
2020: €2k
2021: €7k
2022: €18k
2023: €75k
2024: €20k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€30k▲ 26.9%€36k▲ 19.6%€22k▼ 37.5%€24k▲ 7.3%
Operating result€14k-€10k▼ 26.1%€10k▼ 0.1%€-13k€3k
Net result€9k-€6k▼ 30.6%€6k▼ 7.5%€-13k€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €13k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €63k
Fixed assets
€899▼ 66.8%
Current assets
€62k▼ 9.5%
Equity and liabilities €63k
Equity
€24k▲ 7.3%
Debt
€39k▼ 20.4%
The debt ratio falls from 68.5% to 61.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€5k▲
2024 · €-8k
Cash flow
€3k▲
2024 · €-9k
Solvency
38.3%▲
2024 · 31.5%
Current ratio
1.60▲
2024 · 1.40
Quick ratio
1.60▲
2024 · 1.36
Debt / equity
1.61▼
2024 · 2.17
ROE
6.8%▲
2024 · -59.9%
ROA
2.6%▲
2024 · -18.9%
Interest coverage
13.62▲
2024 · -21.24
Debt
€39k▼
2024 · €49k
Debt ≤ 1 year
€39k▼
2024 · €49k
Income taxes
€875
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€71k€63k▼
Fixed assets21/28€3k€899▼
Tangible fixed assets22/27€3k€749▼
Furniture and vehicles24€1k€218▼
Other tangible fixed assets26€1k€531▼
Financial fixed assets28€150€150=
Current assets29/58€68k€62k▼
Stocks and contracts in progress3€2k-
Stocks30/36€2k-
Amounts receivable within one year40/41€18k€2k▼
Trade receivables40€18k€2k▼
Other amounts receivable41-€387
Cash at bank and in hand54/58€48k€59k▲
Deferred charges and accrued income490/1€69€576▲
Equity and liabilities
Total equity and liabilities10/49€71k€63k▼
Equity10/15€22k€24k▲
Contributions10/11€2k€2k=
Reserves13€31k€31k=
Distributable reserves133€31k€31k=
Profit (loss) carried forward14€-11k€-9k▲
Amounts payable17/49€49k€39k▼
Amounts payable within one year42/48€49k€39k▼
Trade debts44€6k€4k▼
Suppliers440/4€6k€4k▼
Taxes, remuneration and social security45€9k€1k▼
Taxes450/3€9k€1k▼
Other amounts payable47/48€34k€34k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€2k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€12k€-21k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-35k-
Other operating charges640/8€787€478▼
Gross operating margin9900€-31k€-16k▲
Operating profit (loss)9901€-13k€3k▲
Financial income75/76B€0€2▲
Recurring financial income75€0€2▲
Financial charges65/66B€389€342▼
Recurring financial charges65€389€342▼
Profit (loss) for the period before taxes9903€-13k€3k▲
Income taxes67/77-€875
Profit (loss) for the period9904€-13k€2k▲
Profit (loss) for the period to be appropriated9905€-13k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-9k▲
Profit (loss) brought forward from the previous period14P€2k€-11k▼
The notes to these accounts (5 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Weakest financial yearnet €-13k ▼329%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Etterbeek · 1 establishment unit since 2019
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.
Koningsveldstraat 1021040 EtterbeekGround area
237 m²
Building footprint
118 m²
Volume, LiDAR
1,438 m³
Parcel 21364B0190/00Y005, Brussels · tallest building 17.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Human Learning
since 20192.294.973.973
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21364B0190/00Y005 | Brussels | 237 m² | 1 · 118 m² | 17.2 m · 5 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.
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,390. 13,689 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2019
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.