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Perspectives

Active
Non-profit associationfounded 1983active for 43 yearsRue de la Vieille Fosse 1, 4400 Flémalle, BelgiumKBO/BCE: BE 0425.429.330
Summary

Perspectives has been active since 1983 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33,242 and a net result of €9,795, of which €30,836 non-recurring income. Equity is shrinking by about 25% per year across the filed financial years. Its solvency ranks better than 14% of 578 sector peers (NACE 85, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow ReportCompare
PerspectivesActiveChecked score 93/100
Risk analysis ReportCompare

Overview

Activity
Vocational training
NACE 85592
8th fastest staff growth in the province of Liège, Education sector4 sites
Size
€2,827turnover 2025
Staff
25.8 FTE
Equity
€33,242
Surplus
€9,795
Financial health
93 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
Board
6 members
Auditor: VMD réviseurs d'entreprises SRL2025 accounts 22 days early5 of 17 deeds summarised
Why 93raises risk1 change of registered office in 24 monthsEquity €33,242 (5.3% of total assets)Size: turnover €2,827, 25.8 FTE, total assets €627,174lowers riskLegal form: non-profit associationShow the evidence

Checked score

Score 2025
93 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 45% of its sector peers (NACE 85, small)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 30+1
equity 5.3% of total assets
Liquidity 1-5
short-term debt 91.2% · cash 0.4%
Profitability 80=
return on assets 1.6%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median < 0.1% (624 companies, NACE 85, small)
Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%● unchanged vs 11-2024lowest value 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%▲ +0.1 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026highest value 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged 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 09-2026
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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, small): better than 8% on solvency, 0% on liquidity, 79% on profitability and 93% on growth.

The bankruptcy probability was computed on 27-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Seven signals.
lowers riskraises riskneutral
lowers risk · Legal form: non-profit association
KBO
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · Equity €33,242 (5.3% of total assets)
NBB · annual accounts
raises risk · Size: turnover €2,827, 25.8 FTE, total assets €627,174
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 578 sector peers (2025).
NBB · sector comparison
Position among 578 sector peers
Solvency
better than 14%
← weakest strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €33,242
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
22 days early
2024
9 days early
2023
1 day late
2022
25 days early
2021
85 days late
2020
31 days early
2019
55 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 8 days after the deadline; the sector median (NACE 85) for financial year 2024 is 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 22 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
28-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Appointment: VMD réviseurs d'entreprises SRL (commissaire…Permanent representative: Olivier DEFLANDRE ·…
  2. Annual accounts filedfinancial year 2025 · full…
  3. Appointment: VMD réviseurs d'entreprises SRL (commissaire…Permanent representative: Olivier DEFLANDRE ·…

Key points

  • Caution: Among the weakest 15% on solvencysector median 52.9% · 578 companies 5.3% View
  • Wallonia-Brussels supportpaid from 2023 to 2025 €72,288 View
  • Active since 1983founded 18-03-1983 43 years View

By topic

Financials

Financial year
2025
Turnover
€2,827
Profit
€9,795
Solvency
5.3%
Turnover▲ 102%
Net result
20192025
Go to Financials

Board & ownership

Board
6 members
Auditor
VMD réviseurs d'entreprises SRL
  • Daniel VaiserDirector
  • Samuel SzepetiukDirector
  • Jacky BRIANDirector
  • Marc LAFONTAINEDirector
  • Marc SOMBREFFEDirector

and 1 other director

Go to Board & ownership

Timeline

Events
28
Since
2007
Next accounts
by 31-07-2027
  1. 22-07-2025Annual accounts filed
  2. 19-12-2024Admissions: Samuel Szepetiuk (member) and Daniel Vaiser…
  3. 01-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
4
Legal form
Non-profit association
Activity
Vocational trainingNACE 85592
Founded
18-03-1983
Year ends
31-12
Peppol
Not found in the Peppol directory
Go to Company details

Key facts about Perspectives

What is the company number of Perspectives?
0425.429.330. In Belgium the VAT number is the company number with BE in front: BE 0425.429.330.
Where is Perspectives based?
The registered office is at Rue de la Vieille Fosse 1, 4400 Flémalle.Company details
What does Perspectives do?
According to the KBO register, the main activity is vocational training (NACE 85592).
What is the legal form of Perspectives?
Non-profit association (VZW).
When was Perspectives founded?
On 18-03-1983.
Is Perspectives still active?
Yes, Perspectives is an active enterprise in the KBO register.
How many employees does Perspectives have?
On average 25.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of Perspectives?
€2,827 in financial year 2025, according to the filed annual accounts.
Is Perspectives profitable?
In financial year 2025, Perspectives made a profit of €9,795.
Where can I find the annual accounts of Perspectives?
Perspectives filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Perspectives due?
By 31-07-2027, for financial year 2026.Timeline

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