LEARNING BANK
ActiveLEARNING BANK has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87k and a net result of €21k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 94% of 16974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+8
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 17.32 against 9.66 in 2024; short-term debt: 5.2% and cash: 2.5% of total assets), and 5.2% 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 →
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
94.8%
Return on assets
23.3%
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 13-05-2026, 79 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
79 d early
2024
51 d early
2023
36 d late
2022
49 d early
2021
17 d early
2020
17 d early
2019
18 d early
← 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
€87k▲ 10.6%
2024 · €78k
2018: €66k
2019: €79k
2020: €77k
2021: €79k
2022: €83k
2023: €91k
2024: €78k
2018 → 2025
Total assets
€92k▲ 5.7%
2024 · €87k
2018: €74k
2019: €87k
2020: €86k
2021: €82k
2022: €87k
2023: €96k
2024: €87k
2018 → 2025
Net result
€21k▲ 42.2%
2024 · €15k
2018: €16k
2019: €13k
2020: €-2k
2021: €1k
2022: €5k
2023: €7k
2024: €15k
2018 → 2025
Working capital
€77k▲ 9.4%
2024 · €71k
2018: €66k
2019: €79k
2020: €76k
2021: €73k
2022: €81k
2023: €85k
2024: €71k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€79k-€83k▲ 6.2%€91k▲ 8.9%€78k▼ 13.6%€87k▲ 10.6%
Operating result€3k-€9k▲ 213%€13k▲ 35.6%€23k▲ 81.8%€32k▲ 37.7%
Net result€1k-€5k▲ 300%€7k▲ 53.5%€15k▲ 102%€21k▲ 42.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 38% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €92k
Fixed assets
€9k▲ 22.1%
Current assets
€82k▲ 4.1%
Equity and liabilities €92k
Equity
€87k▲ 10.6%
Debt
€5k▼ 41.9%
The debt ratio falls from 9.4% to 5.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€36k▲
2024 · €25k
Cash flow
€25k▲
2024 · €17k
Solvency
94.8%▲
2024 · 90.6%
Current ratio
17.32▲
2024 · 9.66
Quick ratio
17.32▲
2024 · 9.66
Debt / equity
0.05▼
2024 · 0.10
ROE
24.6%▲
2024 · 19.1%
ROA
23.3%▲
2024 · 17.3%
Interest coverage
215.06▲
2024 · 61.28
Debt
€5k▼
2024 · €8k
Debt ≤ 1 year
€5k▼
2024 · €8k
Income taxes
€10k▲
2024 · €8k
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€87k€92k▲
Fixed assets21/28€8k€9k▲
Tangible fixed assets22/27€8k€9k▲
Plant, machinery and equipment23€503€240▼
Furniture and vehicles24-€4k
Other tangible fixed assets26€7k€5k▼
Current assets29/58€79k€82k▲
Amounts receivable after more than one year29€14k-
Other amounts receivable291€14k-
Amounts receivable within one year40/41€58k€79k▲
Trade receivables40-€359
Other amounts receivable41€58k€79k▲
Cash at bank and in hand54/58€7k€2k▼
Deferred charges and accrued income490/1€526€680▲
Equity and liabilities
Total equity and liabilities10/49€87k€92k▲
Equity10/15€78k€87k▲
Contributions10/11€20k€20k=
Reserves13€43k€52k▲
Distributable reserves133€43k€52k▲
Profit (loss) carried forward14€15k€15k=
Amounts payable17/49€8k€5k▼
Amounts payable within one year42/48€8k€5k▼
Trade debts44€982€37▼
Suppliers440/4€982€37▼
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€7k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€28k€37k▲
Operating profit (loss)9901€23k€32k▲
Financial income75/76B€40-
Recurring financial income75€40-
Financial charges65/66B€410€167▼
Recurring financial charges65€410€167▼
Profit (loss) for the period before taxes9903€23k€32k▲
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€15k€21k▲
Profit (loss) for the period to be appropriated9905€15k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€36k▲
Profit (loss) brought forward from the previous period14P€15k€15k=
Transfer from equity791/2€27k€13k▼
Transfer to equity691/2€15k€21k▲
To other reserves6921€15k€21k▲
Profit to be distributed694/7€27k€13k▼
Return on contributions (dividend)694€27k€13k▼
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
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €21k ▲42.2%
Operating result €32k, net result €21k, both a record.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 36 days late
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 23.24
Current ratio from 9.88 to 23.24; short-term debt falls from €9k to €3k.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-2k ▼116%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Sint-Pieters-Woluwe · 1 establishment unit since 2001
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.
Tortelduivenlaan 221150 Sint-Pieters-WoluweGround area
339 m²
Building footprint
97 m²
Volume, LiDAR
902 m³
Parcel 21684B0059/00D032, Brussels · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Tortelduivenlaan 22, 1150 Sint-Pieters-Woluwe
since 20012.100.236.971
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21684B0059/00D032 | Brussels | 339 m² | 1 · 97 m² | 12.8 m · 3 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.
Similar companies · same sector, comparable size
SYNTEZIS
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Levalto
BE 1010.952.806
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VISUALYS
BE 0888.865.240
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EVRARD CONSULTING
BE 0468.539.890
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NEXT SERVICES INFORMATIQUES
BE 0844.118.645
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,390. 15,583 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-2001
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
62010Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
72220
72300
72400
72600
Sources
Crossroads Bank for EnterprisesNational Bank · 24 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.