PME COACHING
ActivePME COACHING has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €547k and a net result of €24k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 48% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
64
/ 100
Healthy▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▲+22
Solvency63▲+1
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity short (current ratio 0.42 against 0.17 in 2024), and 46.9% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
53.1%
Return on assets
2.3%
Age of the figures
8 mo
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 · 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 €547k
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
5 d late
2023
65 d early
2022
17 d early
2021
31 d late
2020
31 d late
2019
84 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€547k▲ 4.6%
2024 · €523k
2018: €403k
2019: €392k
2020: €342k
2021: €321k
2022: €333k
2023: €317k
2024: €523k
2018 → 2025
Total assets
€1.03M▼ 0.2%
2024 · €1.03M
2018: €889k
2019: €862k
2020: €1.09M
2021: €1.07M
2022: €1.04M
2023: €1.04M
2024: €1.03M
2018 → 2025
Net result
€24k
2024 · €-9k
2018: €6k
2019: €-11k
2020: €-51k
2021: €-20k
2022: €12k
2023: €-16k
2024: €-9k
2018 → 2025
Working capital
€-126k▲ 33.8%
2024 · €-190k
2018: €-88k
2019: €-193k
2020: €-280k
2021: €-294k
2022: €-256k
2023: €-261k
2024: €-190k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€321k-€333k▲ 3.7%€317k▼ 4.9%€523k▲ 65.3%€547k▲ 4.6%
Operating result€487-€31k▲ 6,294%€7k▼ 76.2%€12k▲ 63.9%€42k▲ 247%
Net result€-20k-€12k€-16k€-9k▲ 45.7%€24k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 247% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.03M
Fixed assets
€940k▼ 5.4%
Current assets
€90k▲ 135%
Equity and liabilities €1.03M
Equity
€547k▲ 4.6%
Debt
€483k▼ 5.1%
The debt ratio falls from 49.3% to 46.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€98k▲
2024 · €60k
Cash flow
€79k▲
2024 · €39k
Solvency
53.1%▲
2024 · 50.7%
Current ratio
0.42▲
2024 · 0.17
Quick ratio
0.42▲
2024 · 0.17
Debt / equity
0.88▼
2024 · 0.97
ROE
4.4%▲
2024 · -1.7%
ROA
2.3%▲
2024 · -0.9%
Interest coverage
5.43▲
2024 · 2.88
Debt
€483k▼
2024 · €509k
Debt ≤ 1 year
€216k▼
2024 · €228k
Debt > 1 year
€176k▼
2024 · €203k
Income taxes
€141▲
2024 · €140
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€1.03M€1.03M▼
Fixed assets21/28€994k€940k▼
Tangible fixed assets22/27€992k€939k▼
Land and buildings22€925k€890k▼
Plant, machinery and equipment23€6k€6k▲
Furniture and vehicles24€62k€43k▼
Financial fixed assets28€1k€1k=
Current assets29/58€38k€90k▲
Amounts receivable within one year40/41€13k€16k▲
Trade receivables40€13k€16k▲
Other amounts receivable41€80€739▲
Cash at bank and in hand54/58€25k€73k▲
Deferred charges and accrued income490/1€543€600▲
Equity and liabilities
Total equity and liabilities10/49€1.03M€1.03M▼
Equity10/15€523k€547k▲
Contributions10/11€319k€319k=
Reserves13€230k€230k=
Tax-exempt reserves132€18k€18k=
Distributable reserves133€212k€212k=
Profit (loss) carried forward14€-25k€-1k▲
Amounts payable17/49€509k€483k▼
Amounts payable after more than one year17€203k€176k▼
Financial debts170/4€203k€176k▼
Amounts payable within one year42/48€228k€216k▼
Current portion of amounts payable after more than one year42€27k€27k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€2k€500▼
Taxes450/3€2k€500▼
Other amounts payable47/48€198k€186k▼
Accrued charges and deferred income492/3€77k€91k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€55k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-2k-
Other operating charges640/8€10k€7k▼
Non-recurring operating charges66A€4k-
Gross operating margin9900€73k€105k▲
Operating profit (loss)9901€12k€42k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€21k€18k▼
Recurring financial charges65€21k€18k▼
Profit (loss) for the period before taxes9903€-9k€24k▲
Income taxes67/77€140€141▲
Profit (loss) for the period9904€-9k€24k▲
Profit (loss) for the period to be appropriated9905€-9k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-25k€-1k▲
Profit (loss) brought forward from the previous period14P€-16k€-25k▼
The notes to these accounts (11 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €24k
Net result €24k after 2 loss-making years.
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
31-12
Financial
Equity above €500kEq €523k ▲65.3%
Equity rises from €317k to €523k.
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €12k
Net result €12k after 3 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-51k
Net result drops to €-51k, the lowest in the series; recovery starts the following year.
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Malmedy · 1 establishment unit since 2010
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.
Boussire - Route d'Espérance 634960 Malmedy1 establishment unit
PME COACHING
since 20102.193.648.862
Similar companies · same sector, comparable size
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OFFIMGEST
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MAGIS
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 33,815 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded31-07-2009
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46190Agents in non-specialised wholesale trade
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82190Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filings
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.