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Point Fusion

Active
Non-profit associationfounded 200322 yrs activeRue Véroffe 10, 5660 Couvin, BelgiumKBO/BCE: BE 0861.085.331
Summary

Point Fusion has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55,237 and a net result of €31,991. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 22% of 492 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
Point FusionActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
Vocational training
NACE 85592
2 sites
Size
€285,315total assets 2025
Staff
4.4 FTE
Equity
€55,237
Profit
€31,991
Financial health
94 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Board
2 members
Accounts 17 d early1 of 11 deeds read
Why 94- 1 change of registered office in 24 months- Size: 4.4 FTE, total assets €285,315+ Legal form Non-profit association+ Sector Education (NACE 85)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Better than 49% of its sector peers (NACE 85, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 44+10
equity 19.4% of total assets
Liquidity 30-3
short-term debt 66.1% · cash 12.1%
Profitability 83+11
return on assets 11.2%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.1% (3,731 companies)
Last 15 months 08-2025: < 0.1%lowest value 09-2025: < 0.1%● 0.0% vs 08-2025lowest value 10-2025: < 0.1%● 0.0% vs 09-2025lowest value 11-2025: 0.1%▲ +39.5% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -1.9% vs 12-2025 02-2026: 0.1%● 0.0% vs 01-2026 03-2026: 0.1%▼ -1.9% vs 02-2026 04-2026: 0.1%● 0.0% vs 03-2026 05-2026: 0.1%▲ +5.9% vs 04-2026 06-2026: < 0.1%▼ -7.4% vs 05-2026 07-2026: 0.1%▲ +8.0% vs 06-2026 08-2026: 0.1%▲ +3.7% vs 07-2026highest value 09-2026: 0.1%● 0.0% vs 08-2026highest value 10-2026: 0.1%● 0.0% vs 09-2026highest value
  • Legal form Non-profit association lowers the probability
  • 1 change of registered office in 24 months raises the probability
  • Sector Education (NACE 85) lowers the probability
  • Size: 4.4 FTE, total assets €285,315 raises the probability for this profile
Credit up to €5,000 at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.07 in 2024; short-term debt: 66.1% and cash: 12.1% of total assets), and 80.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 85, micro). Better than this share of them on solvency 29%, liquidity 15%, profitability 64%, growth against the median 90%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Legal form Non-profit association
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
lowers risk · Sector Education (NACE 85)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · Size: 4.4 FTE, total assets €285,315
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 492 sector peers (2025).
NBB · sector comparison
Position among 492 sector peers
Solvency
better than 22%
← 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
19202122232425
2019 to 2025 · latest year €55,237
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 14-07-2026, 17 days ahead of the deadline.
NBB · 7 filings
Deviation from the deadline
2025
17 d early
2024
27 d early
2023
54 d late
2022
31 d early
2021
29 d late
2020
11 d early
2019
13 d 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 1 day after the deadline; the sector median for financial year 2024 is 16 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 14 July (4 of the last 5 filed years within 46 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Reappointment: DUBOIS Jean-Pierre (director)Appointment: DELIZEE Jean-Marc (director) ·…
  2. Annual accounts filedfiscal year 2025 · full…
  3. Highest result since 2019net €31,991 ▲295%

Key points

  • Caution: Among the weakest 18% on equitysector median €560,990 · 492 companies €55,237 View
  • New directorslatest change 17-06-2026 · 2 in office 2 joined View
  • Total assets 20256 fiscal years filed €285,315 View

By topic

Financials

Fiscal year
2025
Total assets
€285,315
Profit
€31,991
Solvency
19.4%
Total assets▼ 12.2%
Net result
20192025
Go to Financials

Timeline

Events
11
Since
2020
Next accounts
by 31-07-2027
  1. 28-09-2026Reappointment: DUBOIS Jean-Pierre (director)
  2. 14-07-2026Annual accounts filed
  3. 31-12-2025Highest result since 2019
Go to Timeline

Company details

Sites
2
Legal form
Non-profit association
Activity
Vocational trainingNACE 85592
Founded
15-10-2003
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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