Summary
THE COACHING LOOP is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.9m and a net result of €140,973. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 85% of 5585 sector peers (fiscal year 2025). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
13 d early
2023
19 d early
2022
108 d early
2021
30 d early
2020
66 d early
2019
23 d early
← 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 38 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 13 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€1.9m▼ 6.8%
2024 · €2.0m
Net result
€140,973▼ 70.9%
2024 · €485,072
Total assets
€2.1m▼ 9.1%
2024 · €2.3m
Solvency
89.8%▲ 2.2pp
2024 · 87.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€163,566▼ 65.8%€309,486▲ 89.2%€249,917▼ 19.2%€695,757▲ 178%€194,855▼ 72.0%
Net result€113,114above the sector's middle half▼ 67.3%€212,596above the sector's middle half▲ 87.9%€175,294above the sector's middle half▼ 17.5%€485,072above the sector's middle half▲ 177%€140,973within the sector's middle half▼ 70.9%
Equity€1.3mabove the sector's middle half▲ 9.6%€1.5mabove the sector's middle half▲ 16.4%€1.7mabove the sector's middle half▲ 11.6%€2.0mwithin the sector's middle half▲ 21.0%€1.9mabove the sector's middle half▼ 6.8%
Total assets€1.4mabove the sector's middle half▲ 6.7%€1.7mabove the sector's middle half▲ 15.1%€1.9mabove the sector's middle half▲ 16.9%€2.3mwithin the sector's middle half▲ 20.0%€2.1mwithin the sector's middle half▼ 9.1%
Debt€39,776▼ 37.0%€44,007▲ 10.6%€148,540▲ 238%€182,824▲ 23.1%€109,797▼ 39.9%
Working capital€406,645above the sector's middle half▲ 71.5%€686,090above the sector's middle half▲ 68.7%€379,303above the sector's middle half▼ 44.7%€803,475above the sector's middle half▲ 112%€734,750above the sector's middle half▼ 8.6%
Solvency89.9%above the sector's middle half▲ 2.4pp91.0%above the sector's middle half▲ 1.1pp86.9%above the sector's middle half▼ 4.1pp87.6%above the sector's middle half▲ 0.7pp89.8%above the sector's middle half▲ 2.2pp
Current ratio11.22above the sector's middle half▲ 6.4716.59above the sector's middle half▲ 5.373.59within the sector's middle half▼ 13.005.42above the sector's middle half▲ 1.837.87above the sector's middle half▲ 2.45
Return on assets (ROA)7.9%within the sector's middle half▼ 17.8pp12.9%within the sector's middle half▲ 5.0pp9.1%within the sector's middle half▼ 3.8pp20.9%above the sector's middle half▲ 11.8pp6.7%within the sector's middle half▼ 14.2pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2024 Net result +177% on 2023. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 72% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.1m
Fixed assets
€1.3m ▼ 5.0%
Current assets
€841,718 ▼ 14.6%
Equity and liabilities €2.1m
Equity
€1.9m ▼ 6.8%
Provisions
€105,157 =
Debt
€109,797 ▼ 39.9%
Debt's share of the balance-sheet total falls from 7.9% to 5.2%. Equity and debt are lower.
Key figures and ratios
ROE
7.4%▼
2024 · 23.9%
Debt ≤ 1 year
€106,968▼
2024 · €181,727
Income taxes
€77,350▼
2024 · €223,236
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €73,365 | €67,963 | €93,767 | €78,568 | €73,981 | ▼ 5.8% |
| Other operating charges640/8 | €5,522 | €5,318 | €7,075 | €16,182 | €14,980 | ▼ 7.4% |
| Gross operating margin9900 | €242,453 | €382,767 | €350,758 | €790,507 | €283,817 | ▼ 64.1% |
| Operating profit (loss)9901 | €163,566 | €309,486 | €249,917 | €695,757 | €194,855 | ▼ 72.0% |
| Financial income75/76B | €218 | €0 | €5,255 | €12,876 | €24,504 | ▲ 90.3% |
| Recurring financial income75 | €218 | €0 | €5,255 | €12,876 | €24,504 | ▲ 90.3% |
| Financial charges65/66B | €514 | €902 | €365 | €325 | €1,036 | ▲ 219% |
| Recurring financial charges65 | €514 | €902 | €365 | €325 | €1,036 | ▲ 219% |
| Profit (loss) for the period before taxes9903 | €163,270 | €308,584 | €254,806 | €708,308 | €218,323 | ▼ 69.2% |
| Income taxes67/77 | €50,156 | €95,988 | €79,513 | €223,236 | €77,350 | ▼ 65.4% |
| Profit (loss) for the period9904 | €113,114 | €212,596 | €175,294 | €485,072 | €140,973 | ▼ 70.9% |
| Profit (loss) for the period to be appropriated9905 | €113,114 | €212,596 | €175,294 | €485,072 | €140,973 | ▼ 70.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.4m | €1.7m | €1.9m | €2.3m | €2.1m | ▼ 9.1% |
| Fixed assets21/28 | €991,126 | €924,277 | €1.4m | €1.3m | €1.3m | ▼ 5.0% |
| Tangible fixed assets22/27 | €989,226 | €922,377 | €1.4m | €1.3m | €1.3m | ▼ 5.1% |
| Land and buildings22 | €961,500 | €899,805 | €1.4m | €1.3m | €1.2m | ▼ 5.2% |
| Plant, machinery and equipment23 | €13,734 | €9,410 | €6,938 | €4,465 | €2,333 | ▼ 47.8% |
| Furniture and vehicles24 | €3,314 | €2,483 | €4,780 | €8,377 | €11,494 | ▲ 37.2% |
| Other tangible fixed assets26 | €10,678 | €10,678 | €10,678 | €10,678 | €10,678 | = |
| Financial fixed assets28 | €1,900 | €1,900 | €1,900 | €1,900 | €1,900 | = |
| Current assets29/58 | €446,421 | €730,098 | €525,860 | €985,202 | €841,718 | ▼ 14.6% |
| Amounts receivable within one year40/41 | €7,225 | €254,999 | €46,895 | €60,929 | €775,304 | ▲ 1,172% |
| Trade receivables40 | €4,791 | €246,173 | €46,895 | €41,382 | €39,424 | ▼ 4.7% |
| Other amounts receivable41 | €2,434 | €8,826 | €0 | €19,547 | €735,880 | ▲ 3,665% |
| Current investments50/53 | - | - | €400,000 | €850,000 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €438,141 | €471,974 | €34,358 | €36,541 | €56,413 | ▲ 54.4% |
| Deferred charges and accrued income490/1 | €1,055 | €3,125 | €44,607 | €37,732 | €10,001 | ▼ 73.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.4m | €1.7m | €1.9m | €2.3m | €2.1m | ▼ 9.1% |
| Equity10/15 | €1.3m | €1.5m | €1.7m | €2.0m | €1.9m | ▼ 6.8% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1.3m | €1.5m | €1.7m | €2.0m | €1.9m | ▼ 6.8% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | €1.3m | €1.5m | €1.7m | €2.0m | €1.9m | ▼ 6.8% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Provisions and deferred taxes16 | €105,157 | €105,157 | €105,157 | €105,157 | €105,157 | = |
| Provisions for liabilities and charges160/5 | €105,157 | €105,157 | €105,157 | €105,157 | €105,157 | = |
| Pensions and similar obligations160 | €105,157 | €105,157 | €105,157 | €105,157 | €105,157 | = |
| Amounts payable17/49 | €39,776 | €44,007 | €148,540 | €182,824 | €109,797 | ▼ 39.9% |
| Amounts payable within one year42/48 | €39,776 | €44,007 | €146,557 | €181,727 | €106,968 | ▼ 41.1% |
| Trade debts44 | €5,976 | €1,236 | €8,713 | €5,096 | €77,236 | ▲ 1,416% |
| Suppliers440/4 | €5,976 | €1,236 | €8,713 | €5,096 | €77,236 | ▲ 1,416% |
| Advances received on contracts in progress46 | - | - | €100,000 | €90,000 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | €33,800 | €42,771 | €37,143 | €86,631 | €19,602 | ▼ 77.4% |
| Taxes450/3 | €25,600 | €38,671 | €33,043 | €85,631 | €19,602 | ▼ 77.1% |
| Remuneration and social security454/9 | €8,200 | €4,100 | €4,100 | €1,000 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | - | €701 | €0 | €10,131 | - |
| Accrued charges and deferred income492/3 | - | - | €1,983 | €1,097 | €2,829 | ▲ 158% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €113,114 | €212,596 | €175,294 | €485,072 | €140,973 | ▼ 70.9% |
| + Depreciation and write-downs630 | €73,365 | €67,963 | €93,767 | €78,568 | €73,981 | ▼ 5.8% |
| Operating cash flow (approximation) | €186,479 | €280,559 | €269,061 | €563,640 | €214,954 | ▼ 61.9% |
| Investment in fixed assets (approximation) | - | -€1,114 | -€577,831 | -€6,742 | -€6,550 | ▲ 2.9% |
| Change in cash | - | €33,833 | -€437,616 | €2,184 | €19,871 | ▲ 810% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-09
State Gazette act
General meeting · Director reappointment
Permanent representative · Declaration
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €485,072 ▲177%
Operating result €695,757, net result €485,072, both a record.
31-12
Financial
Equity above €2mEq €2.0m ▲21%
7 profitable years in a row build equity to €2.0m.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €113,114 ▼67.3%
Net result drops to €113,114, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 11.22
Current ratio from 4.75 to 11.22; short-term debt falls from €63,146 to €39,776.
12-08
State Gazette act
General meeting · Board meeting
Director reappointment · Permanent representative
26-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
31-12
Financial
Liquidity times 10current ratio 4.75
Current ratio from 0.50 to 4.75; short-term debt falls from €318,883 to €63,146.
31-12
Financial
Equity above €1mEq €1.2m ▲41.5%
3 profitable years in a row build equity to €1.2m.
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-12
State Gazette act
General meeting · Director resignation
Permanent representative · Director reappointment
19-12
State Gazette act
General meeting · Director resignation
Permanent representative · Director reappointment
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-10
State Gazette act
General meeting · Director appointment
Permanent representative
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
15-03
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2017
25-10
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
15-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2015
14-09
State Gazette act
General meeting · Director reappointment
Permanent representative · Board meeting
2010
26-07
State Gazette act
General meeting · Director resignation
Director discharge · Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Kortrijk · 1 establishment unit since 2002
Ground area
3,760 m²
Building footprint
336 m²
Volume, LiDAR
1,802 m³
Parcel 34354C0901/00E000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TCL
since 20022.116.492.290
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354C0901/00E000 | Flanders | 3,760 m² | 1 · 336 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
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Ownership & control
3 board mandatesBoard mandates of this companythis company sits on their board3
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 1,709 EUR awarded · 1,709 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 1,709 EUR |
| 2024 | 1 | 1,709 EUR | 0 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
9676007YHIEUDK6JVR88
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 11,076 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded11-04-2000
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Contact
Website
www.monikadecrem.be
E-mail
info@monikadecrem.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0471658144
Also
9925:BE0471658144
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.