YourCoach
ActiveYourCoach has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.04M and a net result of €78k. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 57% of 678 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-6
Solvency88▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 3.2 against 3.43 in 2024; short-term debt: 15.7% and cash: 39.9% of total assets), and 36.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 85
Relative position
BE, all sectors
reference
Sector 85
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
63.3%
Return on assets
4.7%
Age of the figures
9 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 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
17 d early
2023
27 d early
2022
16 d early
2021
20 d early
2020
26 d early
2019
17 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.04M▼ 2.8%
2024 · €1.07M
2018: €489k
2019: €603k
2020: €822k
2021: €858k
2022: €942k
2023: €1.02M
2024: €1.07M
2018 → 2025
Total assets
€1.65M▼ 1.8%
2024 · €1.68M
2018: €1.04M
2019: €1.16M
2020: €1.39M
2021: €1.57M
2022: €1.55M
2023: €1.53M
2024: €1.68M
2018 → 2025
Net result
€78k▼ 53.5%
2024 · €168k
2018: €47k
2019: €114k
2020: €219k
2021: €176k
2022: €167k
2023: €125k
2024: €168k
2018 → 2025
Working capital
€572k▼ 4.9%
2024 · €601k
2018: €144k
2019: €72k
2020: €263k
2021: €298k
2022: €393k
2023: €471k
2024: €601k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€858k-€942k▲ 9.7%€1.02M▲ 8.2%€1.07M▲ 5.2%€1.04M▼ 2.8%
Operating result€259k-€247k▼ 4.7%€188k▼ 23.8%€251k▲ 33.0%€116k▼ 53.7%
Net result€176k-€167k▼ 4.9%€125k▼ 25.5%€168k▲ 34.5%€78k▼ 53.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 54% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.65M
Fixed assets
€817k▼ 1.5%
Current assets
€831k▼ 2.0%
Equity and liabilities €1.65M
Equity
€1.04M▼ 2.8%
Debt
€606k▲ 0.1%
The debt ratio rises from 36.1% to 36.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€190k▼
2024 · €319k
Cash flow
€152k▼
2024 · €237k
Solvency
63.3%▼
2024 · 63.9%
Current ratio
3.20▼
2024 · 3.43
Quick ratio
3.20▼
2024 · 3.42
Debt / equity
0.58▲
2024 · 0.56
ROE
7.5%▼
2024 · 15.6%
ROA
4.7%▼
2024 · 10.0%
Interest coverage
23.90▼
2024 · 36.54
Debt
€606k▲
2024 · €605k
Debt ≤ 1 year
€259k▲
2024 · €247k
Debt > 1 year
€180k▼
2024 · €221k
Income taxes
€31k▼
2024 · €76k
Staff costs
€79k▲
2024 · €67k
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€1.68M€1.65M▼
Fixed assets21/28€830k€817k▼
Intangible fixed assets21€3k€799▼
Tangible fixed assets22/27€826k€816k▼
Land and buildings22€811k€757k▼
Plant, machinery and equipment23€12k€8k▼
Furniture and vehicles24€3k€51k▲
Financial fixed assets28€75€75=
Current assets29/58€848k€831k▼
Stocks and contracts in progress3€2k€695▼
Stocks30/36€2k€695▼
Amounts receivable within one year40/41€90k€140k▲
Trade receivables40€90k€101k▲
Other amounts receivable41€5€39k▲
Current investments50/53€28k€28k=
Cash at bank and in hand54/58€727k€657k▼
Deferred charges and accrued income490/1€857€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.68M€1.65M▼
Equity10/15€1.07M€1.04M▼
Contributions10/11€7k€7k=
Reserves13€866k€836k▼
Distributable reserves133€866k€836k▼
Profit (loss) carried forward14€199k€199k=
Amounts payable17/49€605k€606k▲
Amounts payable after more than one year17€221k€180k▼
Financial debts170/4€221k€180k▼
Amounts payable within one year42/48€247k€259k▲
Current portion of amounts payable after more than one year42€40k€41k▲
Financial debts43-€24
Credit institutions430/8-€24
Trade debts44€21k€40k▲
Suppliers440/4€21k€40k▲
Taxes, remuneration and social security45€60k€64k▲
Taxes450/3€51k€60k▲
Remuneration and social security454/9€9k€4k▼
Other amounts payable47/48€125k€114k▼
Accrued charges and deferred income492/3€137k€167k▲
Income statement
Code20242025
Remuneration, social security and pensions62€67k€79k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€69k€74k▲
Other operating charges640/8€8k€4k▼
Gross operating margin9900€394k€273k▼
Operating profit (loss)9901€251k€116k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€244k€110k▼
Income taxes67/77€76k€31k▼
Profit (loss) for the period9904€168k€78k▼
Profit (loss) for the period to be appropriated9905€168k€78k▼
Appropriation of the result
Profit (loss) to be appropriated9906€367k€277k▼
Profit (loss) brought forward from the previous period14P€199k€199k=
Transfer from equity791/2€114k€108k▼
Transfer to equity691/2€168k€78k▼
To other reserves6921€168k€78k▼
Profit to be distributed694/7€114k€108k▼
Return on contributions (dividend)694€114k€108k▼
Social balance
Average headcount (FTE)90871.72.0▲
The notes to these accounts (19 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €1MEq €1.02M ▲8.2%
6 profitable years in a row build equity to €1.02M.
15-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €219k ▲91.3%
Operating result €325k, net result €219k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €500kEq €603k ▲23.4%
2 profitable years in a row build equity to €603k.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Gent · 2 establishment units since 2008
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.
Begijnhoflaan 4169000 GentGround area
1,811 m²
Building footprint
1,794 m²
Volume, LiDAR
24,861 m³
2 parcels, Flanders · tallest building 17.4 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Loft 26
since 20082.175.053.962
De Overkant
since 20242.358.464.136
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A2735/00S002 | Flanders | 1,722 m² | 1 · 1,705 m² | 15.9 m · 5 fl. |
| 44815F3635/00Z008 | Flanders | 89 m² | 1 · 89 m² | 17.4 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2025 · 1 entry · 1,118 EUR awarded · 1,118 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,118 EUR | 1,118 EUR |
Schemes
Opleidingscheques voor werknemers
Recognitions · licences · registrations
Quality registration as a provider
1 live approvalQuality registration as a provider
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Of 11,669 companies in sector 85599 we hold annual accounts for 1,329. 511 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-2008
Fiscal year end31-12
Activities, NACEBEL
85599Other education
62900Other information technology and computer services
93199Other sports activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.