Investments
€6,640 7.5 × depreciation
Green is investment, beige is depreciation.
Idiomas
Lifetime
9 annual accounts with figures on one time axispeak €9,557 (2022)
€659▼ 88.3%
lowest -€7,225 (2023)
-€1,338▼ €6,040
peak €26,371 (2022)
€22,510▼ 5.6%
€704▼ 96.7%
Board1 name since 2023
1 directorCSAP Magdolna
Documentsfilings and deeds
31-08-202631 days late
2025abbreviated format
Gross margin from €5,629 to €659Loss of €1,338Debts from €21,502 to €704Cash from €38,142 to €10,647
Key points
from the 2025 annual accountsChecked score
95
Excellent
Financially stronger than 60% of micro companies in publishing (NACE 58)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 1,282 companies (NACE 58, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.1%▼ -0.1 percentage points vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.2%▲ +0.1 percentage points vs 02-2025
04-2025: 0.1%▼ -0.1 percentage points vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.2%▲ +0.1 percentage points vs 06-2025
08-2025: 0.3%▲ +0.1 percentage points vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025highest value
10-2025: 0.1%▼ -0.2 percentage points vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: < 0.1%▼ -0.1 percentage points vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: 0.1%▲ +0.1 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
lowers risk
Sector: Publishing activities (NACE 58)
Liquidity: current ratio 24.80, cash €10,647, halved
Equity €22,510 (97.0% of total assets)
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 58, micro). It does better than 87% of them on solvency, 96% on liquidity, 22% on profitability and 36% 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 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 6,908 companies had the same profile as Idiomas has now. Each dot stands for 18 companies, two years later.
90.9%
were still trading
7.8%
stopped another way
1.1%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Idiomas itself: 0.1% within 12 months.
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 6,908 companies, not a prediction for Idiomas. 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
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 24.8 (2.11 in 2024), above the usual 1.5. Short-term debt is 3% and cash 45.9% of total assets. 3% of the assets are financed with debt and provisions.
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
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 9 filingsDeviation from the deadline
2025
31 days late
2024
29 days late
2023
30 days late
2022
32 days late
2021
397 days late
2020
31 days late
2019
26 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 82 days after the deadline. In the sector (NACE 58), the median for financial year 2024 was 7 days before the deadline, and 37% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0647838848
Appointment: CSAP Magdolna (director)
Permanent representative: CSAP Magdolna · “Plaatsen van tussenwanden en gipsplaten (4332031); Plaatsen van vloer en wandtegels (43331); Aanbrengen in…” (deed in Dutch) · Gazette deed
Incorporation
published on 08-02-2016 · Gazette deed
First establishment
Veldstraat 6, Tessenderlo-Ham
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Idiomas Tessenderlo-Ham | €23,214 | €659 | 97.0% | - |
| PHILAE GRAPH'S Mons | €31,755 | -€5,166 | -71.5% | - |
| P&M EDUCATION Floreffe | €18,449 | -€10,253 | 93.3% | - |
| Art & Design AD Molenbeek-Saint-Jean | €39,182 | -€2,381 | 32.0% | - |
| NOCTE PRODUCTIONS Ottignies-Louvain-la-Neuve | €36,795 | -€2,962 | 65.6% | - |
| IC PHARMA DISTRIBUTION Brussels | €44,635 | €1,198 | -777.2% | - |
| United Card Company Lochristi | €18,051 | -€8,505 | 22.4% | - |
These companies have the same main activity as Idiomas: other publishing activities, excluding software publishing (NACE 58190). They are comparable in size and age: total assets between €18,100 and €44,600, founded between 2008 and 2017.
Official details
Source: KBO- Status
- Active since 04-02-2016Normal situation
- Activity
- Other publishing activities, excluding software publishingNACE 58190and 3 others
- Establishment unit
- 2.253.022.7603945 Tessenderlo-Ham, since 04-02-2016
- Financial year end
- 31 December
- Peppol
- Reachable since 18-11-2025
Insights on Idiomas
Idiomas files the abbreviated format. That format states no turnover. The gross margin fell from €4,224 in 2017 to €659 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Idiomas
- What is the company number of Idiomas?
- The company number of Idiomas is 0647.838.848. The VAT number is the same number with BE in front: BE 0647.838.848.
- Where is Idiomas based?
- The registered office is at Veldstraat 6, 3945 Tessenderlo-Ham.Company details
- What does Idiomas do?
- According to the KBO register, the main activity is other publishing activities, excluding software publishing (NACE 58190).
- What is the legal form of Idiomas?
- Idiomas is a private limited company (BV).
- When was Idiomas founded?
- Idiomas was founded on 04-02-2016.
- Is Idiomas still active?
- Yes, Idiomas is an active enterprise in the KBO register.
- What is the turnover of Idiomas?
- The turnover in financial year 2025 is ≈ €4,500. This figure is estimated from the gross margin of €659 and 2,728 comparable companies of the same size. It probably lies between €1,900 and €11,000. It is a rough estimate.Financials
- Is Idiomas profitable?
- In financial year 2025, Idiomas made a loss of €1,338.
- Where can I find the annual accounts of Idiomas?
- Idiomas filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Idiomas due?
- Idiomas must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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