INSIGHT AND COACHING
ActiveINSIGHT AND COACHING has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €63k. Equity is growing by ~19.9% per year across the filed fiscal years. Its solvency ranks better than 29% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+13
Solvency53▼-37
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 2.33 in 2024; short-term debt: 71.5% and cash: 11.6% of total assets), and 71.6% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
28.4%
Return on assets
38.4%
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 12-03-2026, 141 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
141 d early
2024
2 d early
2023
29 d late
2022
40 d early
2021
40 d early
2020
11 d late
2019
4 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€46k▼ 51.4%
2024 · €95k
2019: €24k
2020: €40k
2021: €72k
2022: €100k
2023: €125k
2024: €95k
2019 → 2025
Total assets
€163k▲ 11.5%
2024 · €146k
2019: €26k
2020: €42k
2021: €93k
2022: €117k
2023: €157k
2024: €146k
2019 → 2025
Net result
€63k▲ 198%
2024 · €21k
2019: €11k
2020: €17k
2021: €32k
2022: €28k
2023: €43k
2024: €21k
2019 → 2025
Working capital
€22k▼ 67.4%
2024 · €68k
2019: €21k
2020: €36k
2021: €69k
2022: €82k
2023: €91k
2024: €68k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€100k▲ 38.4%€125k▲ 24.8%€95k▼ 23.6%€46k▼ 51.4%
Operating result€44k-€39k▼ 12.3%€54k▲ 39.1%€25k▼ 53.2%€77k▲ 206%
Net result€32k-€28k▼ 12.9%€43k▲ 54.1%€21k▼ 50.8%€63k▲ 198%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 206% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €163k
Fixed assets
€24k▼ 12.5%
Current assets
€139k▲ 17.1%
Equity and liabilities €163k
Equity
€46k▼ 51.4%
Debt
€117k▲ 129%
The debt ratio rises from 34.9% to 71.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€78k▲
2024 · €26k
Cash flow
€63k▲
2024 · €21k
Solvency
28.4%▼
2024 · 65.1%
Current ratio
1.19▼
2024 · 2.33
Quick ratio
1.19▼
2024 · 2.33
Debt / equity
2.52▲
2024 · 0.54
ROE
135.0%▲
2024 · 22.1%
ROA
38.4%▲
2024 · 14.4%
Interest coverage
198.45▲
2024 · 96.04
Debt
€117k▲
2024 · €51k
Debt ≤ 1 year
€117k▲
2024 · €51k
Income taxes
€16k▲
2024 · €6k
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€146k€163k▲
Fixed assets21/28€28k€24k▼
Tangible fixed assets22/27€28k€24k▼
Furniture and vehicles24€272€0▼
Other tangible fixed assets26€28k€24k▼
Current assets29/58€118k€139k▲
Amounts receivable after more than one year29€15k€5k▼
Other amounts receivable291€15k€5k▼
Amounts receivable within one year40/41€20k€84k▲
Trade receivables40€8k€71k▲
Other amounts receivable41€12k€13k▲
Current investments50/53€26k€29k▲
Cash at bank and in hand54/58€56k€19k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€146k€163k▲
Equity10/15€95k€46k▼
Contributions10/11€19k€19k=
Reserves13€76k€28k▼
Distributable reserves133€76k€28k▼
Profit (loss) carried forward14€572€260▼
Amounts payable17/49€51k€117k▲
Amounts payable within one year42/48€51k€117k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Remuneration and social security454/9€11€0▼
Other amounts payable47/48€46k€112k▲
Accrued charges and deferred income492/3€154€69▼
Income statement
Code20242025
Non-recurring operating income76A-€62k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€434€390▼
Other operating charges640/8€1k€835▼
Gross operating margin9900€27k€78k▲
Operating profit (loss)9901€25k€77k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€267€391▲
Recurring financial charges65€267€391▲
Profit (loss) for the period before taxes9903€27k€79k▲
Income taxes67/77€6k€16k▲
Profit (loss) for the period9904€21k€63k▲
Profit (loss) for the period to be appropriated9905€21k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€63k▲
Profit (loss) brought forward from the previous period14P€26k€572▼
Transfer from equity791/2€10k€49k▲
Profit to be distributed694/7€57k€112k▲
Return on contributions (dividend)694€57k€112k▲
The notes to these accounts (7 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
12-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €63k ▲198%
Operating result €77k, net result €63k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Equity above €100kEq €125k ▲24.8%
5 profitable years in a row build equity to €125k.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 27.67
Current ratio from 8.93 to 27.67; short-term debt falls from €3k to €1k.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 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, Sint-Lambrechts-Woluwe · 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.
de Broquevillelaan 1031200 Sint-Lambrechts-WoluweGround area
1,031 m²
Building footprint
300 m²
Volume, LiDAR
8,867 m³
Parcel 21673D0117/00A026, Brussels · tallest building 35.2 m, ±11 floors. Linked by address, not a title deed.
1 establishment unit
Insight and Coaching
since 20192.283.788.091
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0117/00A026 | Brussels | 1,031 m² | 1 · 299 m² | 35.2 m · 11 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
Legal Entity Identifier
8945005FUMSS1L9JSK30
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 37,725 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-01-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
86904Human health activities
86931Psychology services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:cedric@insightandcoaching.com
Phone:+32472670268
Phone:0472.67.02.68