ready2improve
Activeready2improve has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €548k and a net result of €274k. Equity is growing by ~33.6% per year across the filed fiscal years. Its solvency ranks better than 51% of 2324 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+28
Solvency86▲+28
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 2.14 in 2024; short-term debt: 24.1% and cash: 14.6% of total assets), and 38.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
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
61.4%
Return on assets
30.7%
Age of the figures
15 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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 21-11-2025, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
18 d early
2023
40 d early
2022
on the day
2021
152 d early
2020
85 d early
2019
14 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€548k▲ 97.7%
2024 · €277k
2018: €63k
2019: €-87k
2020: €-105k
2021: €201k
2022: €222k
2023: €255k
2024: €277k
2018 → 2025
Total assets
€893k▲ 6.5%
2024 · €838k
2018: €219k
2019: €402k
2020: €319k
2021: €527k
2022: €487k
2023: €759k
2024: €838k
2018 → 2025
Net result
€274k▲ 1,136%
2024 · €22k
2018: €3k
2019: €-150k
2020: €-19k
2021: €84k
2022: €21k
2023: €37k
2024: €22k
2018 → 2025
Working capital
€92k▼ 59.9%
2024 · €229k
2018: €12k
2019: €107k
2020: €-54k
2021: €194k
2022: €38k
2023: €244k
2024: €229k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€201k-€222k▲ 10.3%€255k▲ 15.1%€277k▲ 8.7%€548k▲ 97.7%
Operating result€86k-€27k▼ 68.2%€43k▲ 56.9%€28k▼ 34.5%€278k▲ 883%
Net result€84k-€21k▼ 75.4%€37k▲ 77.4%€22k▼ 39.4%€274k▲ 1,136%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 883% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €893k
Fixed assets
€586k▲ 43.5%
Current assets
€307k▼ 28.6%
Equity and liabilities €893k
Equity
€548k▲ 97.7%
Debt
€345k▼ 38.6%
The debt ratio falls from 66.9% to 38.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€439k▲
2024 · €153k
Cash flow
€435k▲
2024 · €147k
Solvency
61.4%▲
2024 · 33.1%
Current ratio
1.43▼
2024 · 2.14
Quick ratio
1.43▼
2024 · 2.14
Debt / equity
0.63▼
2024 · 2.02
ROE
50.0%▲
2024 · 8.0%
ROA
30.7%▲
2024 · 2.6%
Interest coverage
120.88▲
2024 · 22.43
Debt
€345k▼
2024 · €561k
Debt ≤ 1 year
€215k▲
2024 · €201k
Debt > 1 year
€48k▼
2024 · €139k
Income taxes
€1k▲
2024 · €588
Staff costs
€153k▲
2024 · €146k
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€838k€893k▲
Fixed assets21/28€408k€586k▲
Intangible fixed assets21€403k€582k▲
Tangible fixed assets22/27€3k€3k▼
Plant, machinery and equipment23€3k€3k▼
Financial fixed assets28€2k€2k=
Current assets29/58€430k€307k▼
Amounts receivable within one year40/41€175k€175k▼
Trade receivables40€175k€175k▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€251k€131k▼
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€838k€893k▲
Equity10/15€277k€548k▲
Contributions10/11€300k€300k=
Reserves13€168€168=
Distributable reserves133€168€168=
Profit (loss) carried forward14€-23k€248k▲
Amounts payable17/49€561k€345k▼
Amounts payable after more than one year17€139k€48k▼
Financial debts170/4€139k€48k▼
Amounts payable within one year42/48€201k€215k▲
Current portion of amounts payable after more than one year42€23k€41k▲
Trade debts44€131k€134k▲
Suppliers440/4€131k€134k▲
Taxes, remuneration and social security45€46k€37k▼
Taxes450/3€25k€13k▼
Remuneration and social security454/9€21k€24k▲
Other amounts payable47/48€0€3k▲
Accrued charges and deferred income492/3€221k€82k▼
Income statement
Code20242025
Remuneration, social security and pensions62€146k€153k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€125k€161k▲
Other operating charges640/8€2k€590▼
Non-recurring operating charges66A€0-
Gross operating margin9900€302k€592k▲
Operating profit (loss)9901€28k€278k▲
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€7k€4k▼
Recurring financial charges65€7k€4k▼
Profit (loss) for the period before taxes9903€23k€275k▲
Income taxes67/77€588€1k▲
Profit (loss) for the period9904€22k€274k▲
Profit (loss) for the period to be appropriated9905€22k€274k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-23k€251k▲
Profit (loss) brought forward from the previous period14P€-45k€-23k▲
Profit to be distributed694/7€0€3k▲
Employees696€0-
Other beneficiaries697-€3k
Social balance
Average headcount (FTE)90873.03.1▲
The notes to these accounts (20 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
2025
21-11
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Highest result since 2018net €274k ▲1136%
Operating result €278k, net result €274k, both a record.
30-06
Financial
Equity above €500kEq €548k ▲97.7%
5 profitable years in a row build equity to €548k.
13-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
01-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Back to profitnet €84k
Net result €84k after 2 loss-making years.
30-06
Financial
Liquidity times 6current ratio 3.14
Current ratio from 0.57 to 3.14; short-term debt falls from €125k to €90k.
30-06
Financial
Equity above €200kEq €201k
Equity rises from €-105k to €201k.
07-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-150k ▼4574%
Net result drops to €-150k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Sint-Truiden · 1 establishment unit since 2009
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.
Fabriekstraat 1013800 Sint-TruidenGround area
534 m²
Building footprint
163 m²
Volume, LiDAR
987 m³
Parcel 71053G0299/00T005, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ready2improve
since 20092.175.666.151
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71053G0299/00T005 | Flanders | 534 m² | 1 · 163 m² | 11.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 11 entries · 289,315 EUR awarded · 234,669 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 2,949 EUR | 8,934 EUR |
| 2024 | 4 | 8,780 EUR | 112,882 EUR |
| 2023 | 2 | 272,798 EUR | 111,152 EUR |
| 2022 | 2 | 4,788 EUR | 1,701 EUR |
Schemes
Ontwikkelingsproject
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Werkbaarheidscheque (stopgezet)
Vlaams opleidingsverlof (VOV)
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Of 10,452 companies in sector 86995 we hold annual accounts for 885. 501 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-2008
Fiscal year end30-06
Abbreviation NL
R21
Activities, NACEBEL
86909Human health activities
86995Nutrition and dietetics services
70200Business and other management consultancy
70220Business consulting
85599Other education
86904Human health activities
86931Psychology services
88994Social work activities without accommodation
88999Other social work without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.