TOP BEHAVIOR

Active

Private limited companyfounded 20242 yrs activeRue Adrien Bidoul,Dion-V. 21, 1325 Chaumont-Gistoux, BelgiumKBO/BCE: BE 1007.712.313

Summary

TOP BEHAVIOR has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €32k. Its solvency ranks better than 65% of 2053 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysis Watch Report Compare

TOP BEHAVIORActiveChecked score 82/100

Risk analysis Report Compare

Checked score

Score 2025

82 / 100

Excellent

Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency87▲+7

Growth52

Track record82

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days only on tighter terms

Liquidity ample (current ratio 2.51 against 2.17 in 2024; short-term debt: 38.2% and cash: 15.9% of total assets), and 38.2% of the assets are financed with debt.

Credit check for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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

Education (NACE 85)

about 77% fewer bankruptcies

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

61.8%

Return on assets

26.8%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 2 filings

Deviation from the deadline

2025

31 d late

2024

27 d late

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

25-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€74k▲ 73.4%

2024 · €43k

2024: €43k 2025: €74k▲ +73.4% vs 2024

2024 → 2025

Total assets

€120k▲ 53.2%

2024 · €79k

2024: €79k 2025: €120k▲ +53.2% vs 2024

2024 → 2025

Net result

€32k▼ 20.7%

2024 · €41k

2024: €41k 2025: €32k▼ -20.7% vs 2024

2024 → 2025

Working capital

€70k▲ 67.0%

2024 · €42k

2024: €42k 2025: €70k▲ +67.0% vs 2024

2024 → 2025

Trend over the years

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€43k-€74k▲ 73.4% 2024: €43k 2025: €74k▲ +73.4% vs 2024

Operating result€58k-€48k▼ 17.4% 2024: €58k 2025: €48k▼ -17.4% vs 2024

Net result€41k-€32k▼ 20.7% 2024: €41k 2025: €32k▼ -20.7% vs 2024

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 17% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €120k

96.1%

Fixed assets €5k ▲ 298%

Current assets €116k ▲ 49.5%

Equity and liabilities €120k

61.8%

38.2%

Equity €74k ▲ 73.4%

Debt €46k ▲ 29.0%

Debt's share of the balance-sheet total falls from 45.4% to 38.2%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€48k▼

2024 · €58k

Cash flow

€33k▼

2024 · €41k

Current ratio

2.51▲

2024 · 2.17

Debt to equity

0.62▼

2024 · 0.83

ROE

43.4%▼

2024 · 95.0%

ROA

26.8%▼

2024 · 51.9%

Interest coverage

17.62▼

2024 · 225.89

Debt ≤ 1 year

€46k▲

2024 · €36k

Income taxes

€13k▼

2024 · €17k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

As filed By statement

Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines

Balance sheet Code20242025

Assets

Total assets20/58€79k€120k▲

Fixed assets21/28€1k€5k▲

Tangible fixed assets22/27€1k€5k▲

Furniture and vehicles24-€4k

Other tangible fixed assets26€1k€1k▼

Current assets29/58€77k€116k▲

Amounts receivable after more than one year29€35k€63k▲

Other amounts receivable291€35k€63k▲

Amounts receivable within one year40/41€32k€25k▼

Trade receivables40€32k€25k▼

Cash at bank and in hand54/58€10k€19k▲

Deferred charges and accrued income490/1€396€8k▲

Equity and liabilities

Total equity and liabilities10/49€79k€120k▲

Equity10/15€43k€74k▲

Contributions10/11€3k€3k=

Reserves13€40k€71k▲

Distributable reserves133€40k€71k▲

Amounts payable17/49€36k€46k▲

Amounts payable within one year42/48€36k€46k▲

Trade debts44€6k€4k▼

Suppliers440/4€6k€4k▼

Taxes, remuneration and social security45€26k€24k▼

Taxes450/3€26k€24k▼

Other amounts payable47/48€4k€19k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€73€803▲

Other operating charges640/8€1k€1k▲

Gross operating margin9900€59k€50k▼

Operating profit (loss)9901€58k€48k▼

Financial income75/76B-€980

Recurring financial income75-€980

Financial charges65/66B€255€3k▲

Recurring financial charges65€255€3k▲

Profit (loss) for the period before taxes9903€57k€46k▼

Income taxes67/77€17k€13k▼

Profit (loss) for the period9904€41k€32k▼

Profit (loss) for the period to be appropriated9905€41k€32k▼

Appropriation of the result

Profit (loss) to be appropriated9906€41k€32k▼

Profit (loss) brought forward from the previous period14P-€0

Transfer to equity691/2€40k€31k▼

To other reserves6921€40k€31k▼

Profit to be distributed694/7€859€833▼

Return on contributions (dividend)694€859€833▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Accounts by statement

Income statement Balance sheet Cash flow

Line	2024	2025	Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630	€73	€803	▲ 1,001%
Other operating charges640/8	€1k	€1k	▲ 11.3%
Gross operating margin9900	€59k	€50k	▼ 15.6%
Operating profit (loss)9901	€58k	€48k	▼ 17.4%
Financial income75/76B	-	€980	-
Recurring financial income75	-	€980	-
Financial charges65/66B	€255	€3k	▲ 975%
Recurring financial charges65	€255	€3k	▲ 975%
Profit (loss) for the period before taxes9903	€57k	€46k	▼ 20.1%
Income taxes67/77	€17k	€13k	▼ 18.7%
Profit (loss) for the period9904	€41k	€32k	▼ 20.7%
Profit (loss) for the period to be appropriated9905	€41k	€32k	▼ 20.7%

Line	2024	2025	Change
Assets
Total assets20/58	€79k	€120k	▲ 53.2%
Fixed assets21/28	€1k	€5k	▲ 298%
Tangible fixed assets22/27	€1k	€5k	▲ 298%
Furniture and vehicles24	-	€4k	-
Other tangible fixed assets26	€1k	€1k	▼ 10.6%
Current assets29/58	€77k	€116k	▲ 49.5%
Amounts receivable after more than one year29	€35k	€63k	▲ 80.0%
Other amounts receivable291	€35k	€63k	▲ 80.0%
Amounts receivable within one year40/41	€32k	€25k	▼ 21.8%
Trade receivables40	€32k	€25k	▼ 21.8%
Cash at bank and in hand54/58	€10k	€19k	▲ 97.0%
Deferred charges and accrued income490/1	€396	€8k	▲ 2,007%
Equity and liabilities
Total equity and liabilities10/49	€79k	€120k	▲ 53.2%
Equity10/15	€43k	€74k	▲ 73.4%
Contributions10/11	€3k	€3k	=
Reserves13	€40k	€71k	▲ 78.9%
Distributable reserves133	€40k	€71k	▲ 78.9%
Amounts payable17/49	€36k	€46k	▲ 29.0%
Amounts payable within one year42/48	€36k	€46k	▲ 29.0%
Trade debts44	€6k	€4k	▼ 39.6%
Suppliers440/4	€6k	€4k	▼ 39.6%
Taxes, remuneration and social security45	€26k	€24k	▼ 7.9%
Taxes450/3	€26k	€24k	▼ 7.9%
Other amounts payable47/48	€4k	€19k	▲ 372%

Line	2024	2025	Change
Profit (loss) for the period9904	€41k	€32k	▼ 20.7%
+ Depreciation and write-downs630	€73	€803	▲ 1,001%
Operating cash flow (approximation)	€41k	€33k	▼ 18.9%
Investment in fixed assets (approximation)	-	€-4k	-
Change in cash	-	€9k	-

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

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

27-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 27 days late

NBB filing

0 of 1 act read

About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors

1 act for this company is 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, Chaumont-Gistoux · 1 establishment unit since 2024

seat establishment The establishment unit on the map

Ground area

1,521 m²

Building footprint

106 m²

Volume, LiDAR

788 m³

Parcel 25025C0066/00K003, Wallonia · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

TOP BEHAVIOR

Rue Adrien Bidoul,Dion-V. 21, 1325 Chaumont-GistouxVocational training

since 20242.360.358.903

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25025C0066/00K003	Wallonia	1,521 m²	1 · 106 m²	9.3 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.

Similar companies · same sector, comparable size

CPDG Consult

BE 0473.464.225

Fernelmont · Eq €74,474

FITNESS EDUCATION ACADEMY

Le Hublot (Centre de formation professionnelle Nouveau Saint-Servais)

BE 0421.446.291

Namur · Eq €74,882

Of 3,018 companies in sector 85592 we hold annual accounts for 987. 728 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

Founded28-03-2024

Fiscal year end31-12

Activities, NACEBEL 2025

85592Vocational training

70200Business and other management consultancy

Scores and ratios are computed by Checked and are not a credit decision.