In2Learning International
ActiveIn2Learning International has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €209k and a net result of €10k. Equity is growing by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 2034 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-15
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 38.39 against 6.57 in 2024; short-term debt: 1.8% and cash: 24% of total assets), and 1.8% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
98.2%
Return on assets
4.5%
Age of the figures
9 mo
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 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
39 d late
2023
30 d late
2022
4 d early
2021
19 d early
2020
5 d early
2019
6 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
€209k▼ 9.2%
2024 · €230k
2018: €126k
2019: €119k
2020: €68k
2021: €99k
2022: €145k
2023: €189k
2024: €230k
2018 → 2025
Total assets
€213k▼ 17.3%
2024 · €258k
2018: €220k
2019: €188k
2020: €165k
2021: €127k
2022: €167k
2023: €207k
2024: €258k
2018 → 2025
Net result
€10k▼ 76.4%
2024 · €41k
2018: €-61k
2019: €14k
2020: €21k
2021: €31k
2022: €46k
2023: €44k
2024: €41k
2018 → 2025
Working capital
€143k▼ 5.0%
2024 · €151k
2018: €93k
2019: €104k
2020: €51k
2021: €86k
2022: €120k
2023: €164k
2024: €151k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€99k-€145k▲ 46.7%€189k▲ 30.3%€230k▲ 21.6%€209k▼ 9.2%
Operating result€46k-€62k▲ 32.5%€67k▲ 9.1%€61k▼ 8.9%€15k▼ 74.9%
Net result€31k-€46k▲ 49.9%€44k▼ 5.0%€41k▼ 7.0%€10k▼ 76.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 75% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €213k
Fixed assets
€66k▼ 17.2%
Current assets
€147k▼ 17.3%
Equity and liabilities €213k
Equity
€209k▼ 9.2%
Debt
€4k▼ 85.9%
The debt ratio falls from 10.5% to 1.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€40k▼
2024 · €75k
Cash flow
€34k▼
2024 · €55k
Solvency
98.2%▲
2024 · 89.5%
Current ratio
38.39▲
2024 · 6.57
Quick ratio
38.39▲
2024 · 6.57
Debt / equity
0.02▼
2024 · 0.12
ROE
4.6%▼
2024 · 17.8%
ROA
4.5%▼
2024 · 15.9%
Interest coverage
144.91▼
2024 · 191.04
Debt
€4k▼
2024 · €27k
Debt ≤ 1 year
€4k▼
2024 · €27k
Income taxes
€6k▼
2024 · €21k
Staff costs
€40k▼
2024 · €42k
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€258k€213k▼
Fixed assets21/28€79k€66k▼
Tangible fixed assets22/27€79k€65k▼
Land and buildings22€32k€22k▼
Plant, machinery and equipment23€47k€44k▼
Furniture and vehicles24€0€0=
Financial fixed assets28€330€330=
Current assets29/58€178k€147k▼
Amounts receivable within one year40/41€147k€96k▼
Trade receivables40€145k€84k▼
Other amounts receivable41€2k€13k▲
Cash at bank and in hand54/58€32k€51k▲
Equity and liabilities
Total equity and liabilities10/49€258k€213k▼
Equity10/15€230k€209k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€168k€147k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€162k€141k▼
Amounts payable17/49€27k€4k▼
Amounts payable within one year42/48€27k€4k▼
Trade debts44€3k€68▼
Suppliers440/4€3k€68▼
Taxes, remuneration and social security45€23k€4k▼
Taxes450/3€18k€2k▼
Remuneration and social security454/9€6k€2k▼
Other amounts payable47/48€732€130▼
Income statement
Code20242025
Remuneration, social security and pensions62€42k€40k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€25k▲
Other operating charges640/8€2k€694▼
Gross operating margin9900€119k€81k▼
Operating profit (loss)9901€61k€15k▼
Financial income75/76B€833€124▼
Recurring financial income75€833€124▼
Financial charges65/66B€394€277▼
Recurring financial charges65€394€277▼
Profit (loss) for the period before taxes9903€62k€15k▼
Income taxes67/77€21k€6k▼
Profit (loss) for the period9904€41k€10k▼
Profit (loss) for the period to be appropriated9905€41k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€41k€10k▼
Transfer from equity791/2-€31k
Transfer to equity691/2€41k€10k▼
To other reserves6921€41k€10k▼
Profit to be distributed694/7-€31k
Return on contributions (dividend)694-€31k
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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 6current ratio 38.39
Current ratio from 6.57 to 38.39; short-term debt falls from €27k to €4k.
08-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 39 days late
2024
31-12
Financial
Equity above €200kEq €230k ▲21.6%
6 profitable years in a row build equity to €230k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €150kEq €189k ▲30.3%
5 profitable years in a row build equity to €189k.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €46k ▲49.9%
Net result €46k, the highest in the series.
31-12
Financial
Equity above €100kEq €145k ▲46.7%
4 profitable years in a row build equity to €145k.
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 4.06
Current ratio from 1.53 to 4.06; short-term debt falls from €97k to €28k.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
2019
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 36 days late
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Geraardsbergen · 1 establishment unit since 1990
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.
Aalstsesteenweg(Ide) 1759506 GeraardsbergenGround area
1,203 m²
Building footprint
98 m²
Volume, LiDAR
654 m³
Parcel 41031A0074/00H000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
In2Learning International
since 19902.035.924.585
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41031A0074/00H000 | Flanders | 1,203 m² | 1 · 98 m² | 8.6 m · 2 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.
Recognitions · licences · registrations
Quality registration as a provider
1 live approvalQuality registration as a provider
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Of 11,667 companies in sector 85599 we hold annual accounts for 1,329. 940 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded20-06-1986
Fiscal year end31-12
Activities, NACEBEL
85599Other education
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.