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ActivePhone Languages has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €2k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 28% of 674 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
79
/ 100
Excellent▲ +10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▲+3
Solvency47▲+6
Growth58=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.26 in 2024), and 73.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
26.2%
Return on assets
2.4%
Age of the figures
8 mo
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 €26k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
69 d early
2023
30 d late
2022
30 d late
2021
30 d late
2020
30 d late
2019
91 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€2k▲ 16.4%
2024 · €2k
2018: €-6k
2019: €-7k
2020: €6k
2021: €-720
2022: €-7k
2023: €1k
2024: €2k
2018 → 2025
Working capital
€23k▲ 21.5%
2024 · €19k
2018: €25k
2019: €18k
2020: €25k
2021: €15k
2022: €10k
2023: €13k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€20k▼ 25.4%€22k▲ 6.1%€24k▲ 9.5%€26k▲ 10.0%
Operating result€509-€-8k€3k€5k▲ 61.8%€4k▼ 10.5%
Net result€-720-€-7k▼ 865%€1k€2k▲ 63.3%€2k▲ 16.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €99k
Fixed assets
€3k▼ 32.6%
Current assets
€96k▲ 3.1%
Equity and liabilities €99k
Equity
€26k▲ 10.0%
Debt
€73k▼ 1.3%
The debt ratio falls from 75.8% to 73.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€6k▼
2024 · €9k
Cash flow
€4k▼
2024 · €6k
Solvency
26.2%▲
2024 · 24.2%
Current ratio
1.32▲
2024 · 1.26
Quick ratio
1.32▲
2024 · 1.26
Debt / equity
2.81▼
2024 · 3.13
ROE
9.1%▲
2024 · 8.6%
ROA
2.4%▲
2024 · 2.1%
Interest coverage
24.63▼
2024 · 33.74
Debt
€73k▼
2024 · €74k
Debt ≤ 1 year
€73k▼
2024 · €74k
Income taxes
€2k▼
2024 · €3k
Staff costs
€35k▲
2024 · €34k
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€98k€99k▲
Fixed assets21/28€5k€3k▼
Intangible fixed assets21€863€527▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€387€208▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€1k€1k▼
Current assets29/58€93k€96k▲
Amounts receivable within one year40/41€51k€63k▲
Trade receivables40€45k€58k▲
Other amounts receivable41€6k€6k▼
Cash at bank and in hand54/58€41k€32k▼
Deferred charges and accrued income490/1€820€765▼
Equity and liabilities
Total equity and liabilities10/49€98k€99k▲
Equity10/15€24k€26k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€3k€6k▲
Amounts payable17/49€74k€73k▼
Amounts payable within one year42/48€74k€73k▼
Trade debts44€14k€14k▼
Suppliers440/4€14k€14k▼
Advances received on contracts in progress46€49k€47k▼
Taxes, remuneration and social security45€12k€11k▼
Taxes450/3€8k€6k▼
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48-€1k
Accrued charges and deferred income492/3-€238
Income statement
Code20242025
Remuneration, social security and pensions62€34k€35k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€1k▼
Other operating charges640/8€355€1k▲
Gross operating margin9900€43k€42k▼
Operating profit (loss)9901€5k€4k▼
Financial income75/76B€96€1▼
Recurring financial income75€96€1▼
Financial charges65/66B€257€306▲
Recurring financial charges65€257€237▼
Non-recurring financial charges66B-€69
Profit (loss) for the period before taxes9903€5k€4k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€2k€2k▲
Profit (loss) for the period to be appropriated9905€2k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€6k▲
Profit (loss) brought forward from the previous period14P€1k€3k▲
The notes to these accounts (10 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 20 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Waterloo · 1 establishment unit since 1986
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.
Avenue Tondeur (Valentin) 381410 Waterloo1 establishment unit
Avenue Tondeur (Valentin) 38, 1410 Waterloo
since 19862.035.458.292
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Of 3,006 companies in sector 85592 we hold annual accounts for 984. 614 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-03-1985
Fiscal year end31-12
Activities, NACEBEL
80421
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filings
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.phonelanguages.com
E-mail:info@phonelanguages.com