Equity
€64,218 =
LifeKompas paid out €39,496 in dividends. That is 72% of the 2025 profit.
LifeKompas
Lifetime
10 annual accounts with figures on one time axispeak €79,791 (2025)
€79,791▲ 144%
peak €54,496 (2025)
€54,496▲ 90.6%
peak €64,218 (2024)
€64,218unchanged
€108,210▲ 33.9%
peak 0.7 FTE (2019)
-not published
Board1 name since 2015
-
Documentsfilings and deeds
29-06-202632 days before the deadline
2025micro format
Gross margin from €32,644 to €79,791Result from €28,591 to €54,496Dividend €39,496Debts from €80,788 to €108,210Cash from €40 to €6,765
Key points
from the 2025 annual accountsTurnover
≈ €240,000 estimated
The micro format states no turnover.
Position in the sector
€54,496
Higher net result than 87% of companies in education. Sector median €7,281 · 2,614 companies.
Checked score
93
Excellent
Financially stronger than 47% of micro companies in education (NACE 85)
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 3,825 companies (NACE 85, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.3%▼ -0.1 percentage points vs 02-2025
04-2025: 0.4%▲ +0.1 percentage points vs 03-2025
05-2025: 0.3%▼ -0.1 percentage points vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.4%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 0.3%▼ -0.1 percentage points vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.1%▼ -0.2 percentage points vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 1.59, cash €6,765
lowers risk
Sector: Education (NACE 85)
Size: total assets €172,429
Founded in 2015
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 43% of them on solvency, 11% on liquidity, 90% on profitability and 42% 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, 34,693 companies had the same profile as LifeKompas has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of LifeKompas 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 34,693 companies, not a prediction for LifeKompas. 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 €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.59 (1.77 in 2024), above the usual 1.5. Short-term debt is 62.3% and cash 3.9% of total assets. However, 62.8% 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 riskneutral
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 days early
2024
21 days early
2023
147 days early
2022
34 days early
2021
1 day late
2020
40 days early
2019
37 days early
← 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 44 days before 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 29 June (4 of the last 5 accounts filed within 33 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 0208:0578901938
Company renamed from SDB Training en Consulting to LifeKompas
Change of role: DAL BOSCO, Serge Claude Jean Paul, from manager to director · General meeting of 02-11-2023 · Gazette deed
Incorporation
published on 28-01-2015 · Gazette deed
First establishment
SDB Training & Consulting / LifeKompas / Opleidingskompas, Quinten Matsijslei 29, Antwerp
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LifeKompas Antwerp | €172,429 | €79,791 | 37.2% | - |
| MULTINETH Grobbendonk | €156,408 | €60,109 | -98.4% | - |
| DD&S Kortrijk | €190,910 | €88,998 | 14.4% | - |
| Breinselling Bertem | €167,792 | €85,495 | 11.1% | - |
| ALLEA Ixelles | €175,346 | €61,434 | 92.2% | - |
| Stonebox Consulting Maldegem | €160,650 | €101,421 | 54.9% | 1.1 |
| JEAN-PAUL HÖPPNER Maaseik | €215,068 | €96,506 | 96.3% | - |
These companies have the same main activity as LifeKompas: other education (NACE 85599). They are comparable in size and age: total assets between €156,000 and €215,000, founded between 2014 and 2016.
Official details
Source: KBO- Status
- Active since 26-01-2015Normal situation
- Activity
- Other educationNACE 85599and 1 other
- Establishment unit
- 2.238.868.9752018 Antwerp, since 26-01-2015
- Financial year end
- 31 December
- Peppol
- Reachable since 06-05-2025
Annual accounts 2025
- €172,429▲ 18.9%
- Filing
- Filed on 29-06-2026, 32 days before the end of the filing period
Insights on LifeKompas
LifeKompas files the micro format. That format states no turnover. The gross margin rose from €11,805 in 2016 to €79,791 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 LifeKompas
- What is the company number of LifeKompas?
- The company number of LifeKompas is 0578.901.938. The VAT number is the same number with BE in front: BE 0578.901.938.
- Where is LifeKompas based?
- The registered office is at Quinten Matsijslei 29, 2018 Antwerp.Company details
- What does LifeKompas do?
- According to the KBO register, the main activity is other education (NACE 85599).
- What is the legal form of LifeKompas?
- LifeKompas is a private limited company (BV).
- When was LifeKompas founded?
- LifeKompas was founded on 26-01-2015.
- Is LifeKompas still active?
- Yes, LifeKompas is an active enterprise in the KBO register.
- How many employees does LifeKompas have?
- LifeKompas had an average of 0.7 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
- What is the turnover of LifeKompas?
- The turnover in financial year 2025 is ≈ €240,000. This figure is estimated from the gross margin of €79,791 and 2,667 comparable companies of the same size. It probably lies between €160,000 and €420,000. It is a rough estimate.
- Is LifeKompas profitable?
- In financial year 2025, LifeKompas made a profit of €54,496.
- Where can I find the annual accounts of LifeKompas?
- LifeKompas filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LifeKompas due?
- LifeKompas must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.