Perspectives
ActivePerspectives has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €10k. Equity is shrinking by ~24.8% per year across the filed fiscal years. Its solvency ranks better than 14% of 424 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
84
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+14
Solvency17▼-2
Growth23▲+1
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.2 in 2024), and 94.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eleven 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 85
Relative position
BE, all sectors
reference
Sector 85
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
5.3%
Return on assets
1.6%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 424 sector peers (2025).
NBB · sector comparisonPosition among 424 sector peers
Solvency
better than 14%
← weakest
strongest →
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €33k
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 filingsDeviation from the deadline
2025
22 d early
2024
9 d early
2023
1 d late
2022
25 d early
2021
85 d late
2020
31 d early
2019
55 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€3k▲ 102%
2024 · €1k
2019: €5k
2020: €2k
2021: €3k
2022: €3k
2023: €6k
2024: €1k
2019 → 2025
EBIT margin
397.4%▲ 229.6pp
2024 · 167.8%
2019: -27.2%
2020: -495.4%
2021: -227.9%
2022: -871.0%
2023: 105.8%
2024: 167.8%
2019 → 2025
Net result
€10k▲ 232%
2024 · €3k
2018: €13k
2019: €160
2020: €-11k
2021: €-6k
2022: €-30k
2023: €7k
2024: €3k
2018 → 2025
Working capital
€48k▼ 50.1%
2024 · €96k
2018: €155k
2019: €234k
2020: €223k
2021: €92k
2022: €50k
2023: €122k
2024: €96k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€3k-€3k▲ 26.8%€6k▲ 87.7%€1k▼ 78.2%€3k▲ 102%
Equity€59k-€19k▼ 68.0%€25k▲ 33.7%€26k▲ 2.5%€33k▲ 29.1%
Operating result€-6k-€-30k▼ 384%€7k€2k▼ 65.5%€11k▲ 379%
Net result€-6k-€-30k▼ 375%€7k€3k▼ 55.0%€10k▲ 232%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 379% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €627k
Fixed assets
€7k▼ 54.5%
Current assets
€620k▲ 9.2%
Equity and liabilities €627k
Equity
€33k▲ 29.1%
Debt
€594k▲ 6.5%
The debt ratio falls from 95.6% to 94.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€20k▲
2024 · €12k
Cash flow
€18k▲
2024 · €13k
Solvency
5.3%▲
2024 · 4.4%
Current ratio
1.08▼
2024 · 1.20
Quick ratio
1.08▼
2024 · 1.20
Debt / equity
17.87▼
2024 · 21.65
ROE
29.5%▲
2024 · 11.5%
ROA
1.6%▲
2024 · 0.5%
Interest coverage
12.65▼
2024 · 56.59
Debt
€594k▲
2024 · €558k
Debt ≤ 1 year
€572k▲
2024 · €472k
Staff costs
€1.50M▼
2024 · €1.62M
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€583k€627k▲
Fixed assets21/28€15k€7k▼
Intangible fixed assets21€3k€1k▼
Tangible fixed assets22/27€12k€5k▼
Furniture and vehicles24€12k€5k▼
Financial fixed assets28€770€800▲
Current assets29/58€568k€620k▲
Amounts receivable within one year40/41€555k€605k▲
Trade receivables40€50€618▲
Other amounts receivable41€555k€605k▲
Cash at bank and in hand54/58€2k€3k▲
Deferred charges and accrued income490/1€11k€12k▲
Equity and liabilities
Total equity and liabilities10/49€583k€627k▲
Equity10/15€26k€33k▲
Reserves13€22k€32k▲
Investment grants15€4k€1k▼
Amounts payable17/49€558k€594k▲
Amounts payable within one year42/48€472k€572k▲
Financial debts43-€197k
Credit institutions430/8-€175k
Other loans439-€22k
Trade debts44€67k€104k▲
Suppliers440/4€67k€104k▲
Taxes, remuneration and social security45€405k€255k▼
Taxes450/3€61k€31k▼
Remuneration and social security454/9€344k€224k▼
Accrued charges and deferred income492/3€86k€22k▼
Income statement
Code20242025
Turnover70€1k€3k▲
Non-recurring operating income76A€360€31k▲
Goods, raw materials, services and sundry goods60/61€313k€324k▲
Remuneration, social security and pensions62€1.62M€1.50M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€8k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€4k-
Other operating charges640/8€558€778▲
Non-recurring operating charges66A€3k€15k▲
Gross operating margin9900€1.64M€1.53M▼
Operating profit (loss)9901€2k€11k▲
Financial income75/76B€824€105▼
Recurring financial income75€824€105▼
Financial charges65/66B€214€2k▲
Recurring financial charges65€214€2k▲
Profit (loss) for the period before taxes9903€3k€10k▲
Profit (loss) for the period9904€3k€10k▲
Profit (loss) for the period to be appropriated9905€3k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€10k▲
Profit (loss) brought forward from the previous period14P€7k-
To contributions691€10k€10k▲
Social balance
Average headcount (FTE)908728.925.8▼
The notes to these accounts (16 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 1 day late
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after 3 loss-making years.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-30k
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
24-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 85 days late
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €150kEq €154k ▲12.1%
Equity rises from €138k to €154k.
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 55 days late
2019
03-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 34 days late
2018
11-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 133 days late
15-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 288 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2019
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.
18-10-2019
Catherine Megali: Resigned as Director
09-05-2016
André Hourlay: Resigned as Director
09-05-2016
Antoinette Denaro: Resigned as Director
09-05-2016
Marc Wilkin: Resigned as Director
09-05-2016
Susanna Argiolas: Resigned as Director
30-11-2015
Antoinette Denaro: Resigned as Director
30-11-2015
Dominique Leclercqs: Resigned as Director
30-11-2015
Jean-Louis Colsoul: Resigned as Director
30-11-2015
Sabine Maquet: Resigned as Director
Location & real-estate footprint
Registered office, Flémalle · 4 establishment units since 1983
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.
Rue de la Vieille Fosse 14400 FlémalleGround area
6.3 ha
Building footprint
4,039 m²
Volume, LiDAR
6,225 m³
3 parcels, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
4 establishment units
Perspectives
since 19832.160.802.583
Technique Son et lumière
since 20082.213.326.006
Animation et technique radio
since 20082.213.326.994
e-Pôle
since 20182.281.271.635
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62037B0228/00W000indicative | Wallonia | 6.1 ha | 1 · 3,459 m² | 10.4 m |
| 62037A0577/00L000 | Wallonia | 1,233 m² | 1 · 555 m² | 10.9 m · 3 fl. |
| 62073B0590/00F000indicative | Wallonia | 24 m² | 1 · 24 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
1 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Wallonia-Brussels Federation
2023 to 2025 · 6 entries · 72,288 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 2 | 25,000 EUR |
| 2024 | 2 | 25,000 EUR |
| 2023 | 2 | 22,288 EUR |
Budget allocations
Soutien aux projets transversaux et locaux de promotion des droits culturels et de l'interculturalité
Soutien aux projets transversaux et locaux de promotion des droits culturels et de l'interculturalité - Subventions pluriannuelles
Similar companies · same sector, comparable size
Oo2 FORMATIONS
BE 1006.339.465
Sint-Jans-Molenbeek · Eq €33k
ILFERO
BE 0544.838.706
Merchtem · Eq €33k
e-MemoDidac
BE 0521.860.493
Anderlecht · Eq €33k
Lemme Fire Technics
BE 0803.889.973
Drogenbos · Eq €33k
Centre de Formation-Insertion Le Grain, C.E.F.I.G.
BE 0450.429.297
Brussel · Eq €33k
Of 3,006 companies in sector 85592 we hold annual accounts for 984. 645 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded18-03-1983
Fiscal year end31-12
Activities, NACEBEL
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.