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L'École-à-vivre

Active
Non-profit associationfounded 2019active for 7 yearsRue du Monastère, Ermeton-s.-B. 1, 5644 Mettet, BelgiumKBO/BCE: BE 0726.565.137
Summary

L'École-à-vivre has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€327,972) and a net result of -€129,554. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 8% of 2,606 sector peers (NACE 85, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 08-05-2019 Normal situation
Activity
Education NACE 85319
Joint committee
337 Auxiliary committee for the non-profit sector · annual accounts 2025
Establishment unit
2.292.989.037 5644 Mettet, since 12-09-2019
Financial year end
31 December
Peppol
Not found in the Peppol Directory

Board and ownership

Board
  • Delcroix IsabelleDirector · since 08-05-2019
  • Ganty EtienneDirector · since 08-05-2019

Financial position

52 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€203,813
▲ 38.0%
Turnover
≈ €510,000
estimated
Deficit
€129,554
▲ 19.4%
Equity
-€327,972
▼ 65.3%
Total assets
€349,921
▼ 8.5%
Employees on 31-12-2025
8
▲ 33.3%
  • Negative equity on 31-12-2025
Score breakdownraises riskCapped at 59: negative equityNegative equity -€327,972lowers riskLegal form: non-profit associationSector: Education (NACE 85)Size: total assets €349,921Show the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 7% of micro companies in education (NACE 85)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Weak
Solvency 0=
equity -93.7% of total assets
Liquidity 8-2
short-term debt 110.8% · cash 6.4%
Profitability 0=
return on assets -37.0%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (3,823 companies, NACE 85, micro)
Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.2%▲ +0.1 percentage points vs 08-2025highest value 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.2%● unchanged vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: < 0.1%▼ -0.2 percentage points vs 09-2026lowest value 11-2026: < 0.1%● unchanged vs 10-2026lowest value
No credit on open account
Liquidity is insufficient, with a current ratio of 0.43 (0.47 in 2024), below 1. Short-term debt is 110.8% and cash 6.4% of total assets. Equity is negative.
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 85, micro). It does better than 6% of them on solvency, 5% on liquidity, 6% on profitability and 10% on growth.

The bankruptcy probability was computed on 04-11-2026 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).

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Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Legal form: non-profit association
KBO
lowers risk · Sector: Education (NACE 85)
KBO
lowers risk · Size: total assets €349,921
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Negative equity -€327,972
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
2122232425
2021 to 2025 · latest year -€327,972
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 27-07-2026, 4 days ahead of the deadline.
NBB · 5 filings
Deviation from the deadline
2025
4 days early
2024
27 days late
2023
119 days late
2022
13 days early
2021
247 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 5 accounts on average 75 days after the deadline. In the sector (NACE 85), the median for financial year 2024 was 16 days before the deadline, and 32% 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 27 August (4 of the last 5 accounts filed within 93 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€327,972 View
  • Caution: Lower net result than 95% of companies in educationsector median €7,312 · 2,608 companies -€129,554 View
  • Caution: Equity fell in 2025from -€198,418 to -€327,972 ▼ 65.3% View
  • Caution: 2 loss-making years in a rowloss in financial year 2025 -€129,554 View

Recent changes

  1. · Gazette deed Registered office moved from Fosses-la-Ville to Ermeton-sur-BiertNew registered office: Château d'Ermeton, rue du Monastère 1 à 5644 Ermeton-sur-Biert · Previous registered office: Rue de Taravisée 6 à 5070 Fosses-la-Ville
  2. · Gazette deed 2 directors appointed, 1 director resigningResignation: John-Arthur Timsonet (director) · Appointments: Aurore Siquet (treasurer) and Grégory de Fauconval (secretary)
  3. · Gazette deed Incorporation
All 10 events

Comparable companies

These companies have their main activity in the same NACE class as L'École-à-vivre: education (NACE 8531). With exactly the same main activity (NACE 85319), too few companies are of comparable size. They are comparable in size and age: total assets between €68,100 and €3.4m, founded between 2009 and 2022.

CompanyTotal assetsGross margin
L'École-à-vivre Mettet€0.3m€0.2m
SINT IGNATIUS Overijse€0.3m€0.3m
Bogaerts International School - North Campus Uccle€0.2m€2.0m
ACE of Brussels Auderghem€1.0m€1.3m
Enseignement Pour une Société Pluraliste Uccle€0.07m€0.09m
LE VERSEAU Sports and Arts Wavre€1.5m€0.5m
Patrimonium SALCO Leuven€3.4m€0.3m
Full comparison

Key facts about L'École-à-vivre

What is the company number of L'École-à-vivre?
The company number of L'École-à-vivre is 0726.565.137. The VAT number is the same number with BE in front: BE 0726.565.137.
Where is L'École-à-vivre based?
The registered office is at Rue du Monastère, Ermeton-s.-B. 1, 5644 Mettet.Company details
What does L'École-à-vivre do?
According to the KBO register, the main activity is education (NACE 85319).
What is the legal form of L'École-à-vivre?
L'École-à-vivre is a non-profit association (VZW).
When was L'École-à-vivre founded?
L'École-à-vivre was founded on 08-05-2019.
Is L'École-à-vivre still active?
Yes, L'École-à-vivre is an active enterprise in the KBO register.
How many employees does L'École-à-vivre have?
L'École-à-vivre had an average of 6.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does L'École-à-vivre fall under?
In its 2025 annual accounts, L'École-à-vivre states joint committee 337 (Auxiliary committee for the non-profit sector).
What is the turnover of L'École-à-vivre?
The turnover in financial year 2025 is ≈ €510,000. This figure is estimated from the gross margin of €203,813 and 2,216 comparable companies of the same size. It probably lies between €340,000 and €790,000. It is a rough estimate.
Is L'École-à-vivre profitable?
In financial year 2025, L'École-à-vivre made a loss of €129,554.
Where can I find the annual accounts of L'École-à-vivre?
L'École-à-vivre filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of L'École-à-vivre due?
L'École-à-vivre must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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