YourCoach
ActiveFinancials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 15-07-2026 at the NBB all 17 filings
Turnover
≈ €410,000
Estimated: probably between €300,000 and €660,000
Total assets
€1.6m▼ 1.8%
2024 · €1.7m
Net result
€78,045▼ 53.5%
2024 · €167,822
Working capital
€571,511▼ 4.9%
2024 · €601,005
Multi-year overview
2018 to 2025, 8 financial yearsOperating result
€116,052
▼ 53.7%
2025
20182025
Net result
€78,045
▼ 53.5%
2025
middle half of the sector
20182025
Equity
€1.0m
▼ 2.8%
2025
middle half of the sector
20182025
Total assets
€1.6m
▼ 1.8%
2025
middle half of the sector
20182025
Debt
€605,657
▲ 0.1%
2025
20182025
Working capital
€571,511
▼ 4.9%
2025
middle half of the sector
20182025
Solvency
63.3%
▼ 0.7pp
2025
middle half of the sector
20182025
Current ratio
3.20
▼ 0.23
2025
middle half of the sector
20182025
Return on assets (ROA)
4.7%
▼ 5.3pp
2025
middle half of the sector
20182025
Staff (FTE)
2
▲ 17.6%
2025
lowest quarter of the sector
20182025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€0.07m-€0.2m▲ 119%€0.3m▲ 106%€0.3m▼ 20.1%€0.2m▼ 4.7%€0.2m▼ 23.8%€0.3m▲ 33.0%€0.1m▼ 53.7%
Net result€0.05m-€0.1m▲ 142%€0.2mabove the sector's middle half▲ 91.3%€0.2mabove the sector's middle half▼ 19.5%€0.2mabove the sector's middle half▼ 4.9%€0.1mwithin the sector's middle half▼ 25.5%€0.2mabove the sector's middle half▲ 34.5%€0.08mwithin the sector's middle half▼ 53.5%
Equity€0.5m-€0.6m▲ 23.4%€0.8mwithin the sector's middle half▲ 36.3%€0.9mwithin the sector's middle half▲ 4.4%€0.9mwithin the sector's middle half▲ 9.7%€1.0mwithin the sector's middle half▲ 8.2%€1.1mwithin the sector's middle half▲ 5.2%€1.0mwithin the sector's middle half▼ 2.8%
Total assets€1.0m-€1.2m▲ 10.9%€1.4mwithin the sector's middle half▲ 19.8%€1.6mwithin the sector's middle half▲ 12.9%€1.5mwithin the sector's middle half▼ 1.2%€1.5mwithin the sector's middle half▼ 1.3%€1.7mwithin the sector's middle half▲ 9.9%€1.6mwithin the sector's middle half▼ 1.8%
Debt€0.6m-€0.6m=€0.6m▲ 1.8%€0.7m▲ 25.3%€0.6m▼ 14.5%€0.5m▼ 16.2%€0.6m▲ 19.1%€0.6m▲ 0.1%
Working capital€0.1m-€0.07m▼ 50.1%€0.3mwithin the sector's middle half▲ 267%€0.3mwithin the sector's middle half▲ 13.2%€0.4mwithin the sector's middle half▲ 31.7%€0.5mwithin the sector's middle half▲ 19.9%€0.6mwithin the sector's middle half▲ 27.6%€0.6mwithin the sector's middle half▼ 4.9%
Solvency46.8%-52.0%▲ 5.3pp59.2%within the sector's middle half▲ 7.2pp54.8%within the sector's middle half▼ 4.5pp60.8%within the sector's middle half▲ 6.1pp66.7%within the sector's middle half▲ 5.9pp63.9%within the sector's middle half▼ 2.8pp63.3%within the sector's middle half▼ 0.7pp
Current ratio2.40-1.56▼ 0.832.74within the sector's middle half▲ 1.181.96within the sector's middle half▼ 0.782.74within the sector's middle half▲ 0.783.74within the sector's middle half▲ 0.993.43within the sector's middle half▼ 0.303.20within the sector's middle half▼ 0.23
Return on assets (ROA)4.5%-9.9%▲ 5.3pp15.8%above the sector's middle half▲ 5.9pp11.2%above the sector's middle half▼ 4.5pp10.8%above the sector's middle half▼ 0.4pp8.2%above the sector's middle half▼ 2.6pp10.0%above the sector's middle half▲ 1.8pp4.7%within the sector's middle half▼ 5.3pp
Staff (FTE)1.3-1.4▲ 7.7%1.3below the sector's middle half▼ 7.1%1.7below the sector's middle half▲ 30.8%1.8below the sector's middle half▲ 5.9%1.8below the sector's middle half=1.7below the sector's middle half▼ 5.6%2below the sector's middle half▲ 17.6%
above
within
below
The sector band is the middle half of the companies in Education (NACE 85). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 54% lower than in 2024 and the lowest since 2021.
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.6m
Fixed assets
€817,295 ▼ 1.5%
Current assets
€830,884 ▼ 2.0%
Equity and liabilities €1.6m
Equity
€1.0m ▼ 2.8%
Debt
€605,657 ▲ 0.1%
Debt's share of the balance-sheet total rises from 36.1% to 36.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€190,266▼
2024 · €319,399
Cash flow
€152,259▼
2024 · €236,617
Quick ratio
3.20▼
2024 · 3.42
Debt to equity
0.58▲
2024 · 0.56
ROE
7.5%▼
2024 · 15.6%
Interest coverage
23.90▼
2024 · 36.54
Debt ≤ 1 year
€259,373▲
2024 · €247,031
Debt > 1 year
€179,740▼
2024 · €220,798
Income taxes
€31,470▼
2024 · €75,758
Staff costs
€78,816▲
2024 · €66,551
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Staff
| Item | 31-12-2021 | 31-12-2022 | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 2 | 3 | 3 | 3 | 3 |
| full-time | 1 | 1 | 1 | 1 | 2 |
| part-time | 1 | 2 | 2 | 2 | 1 |
| in full-time equivalents | 1.6 | 1.9 | 1.8 | 1.8 | 2.1 |
| Average over the year, in full-time equivalents | 1.7 | 1.8 | 1.8 | 1.7 | 2 |
| On a permanent contract | 2 | 2 | 2 | 2 | 2 |
| Joined | 1 | 4 | 3 | - | 4 |
| Left | 3 | 3 | 2 | - | 3 |
Source: social balance sheet in the 2021 to 2025 annual accounts
Securities and guarantees
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Debts secured on the company's own assets | €375,679 | €338,299 | €300,038 | €260,896 | €220,798 |
| Mortgages, amount registered | €535,000 | €535,000 | €535,000 | €535,000 | €535,000 |
| Carrying value of the mortgaged assets | €855,130 | €890,073 | €852,652 | €811,395 | €756,856 |
Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €40,259 | €44,580 | €26,065 | €14,380 | €61,886 |
| Intangible fixed assets | €10,575 | - | - | - | - |
| Financial fixed assets | - | €75 | - | - | - |
| Depreciation and write-downs of the year | €66,520 | €72,199 | €71,517 | €68,795 | €74,214 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Subsidies and aid
Flemish government
2025 · 1 entry · €1,118 awarded · €1,118 paidPublic contracts
1 award · 2024
Cahier spécial des charges relatif à des services d’accompagnements, d’outplacement et de formations en coaching: Formation coaching de base, niveau 1 & niveau 2 en néerlandais
Source: TED (Tenders Electronic Daily), Publications Office of the European Union. The values are as the buyer published them. For a framework agreement, the value is a ceiling.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €73,287 | €75,646 | €86,465 | €66,551 | €78,816 | ▲ 18.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €102,809 | €61,073 | €69,891 | €66,520 | €72,199 | €71,517 | €68,795 | €74,214 | ▲ 7.9% |
| Other operating charges640/8 | - | - | - | €3,935 | €3,956 | €4,338 | €7,876 | €4,387 | ▼ 44.3% |
| Gross operating margin9900 | €216,640 | €271,210 | €438,433 | €403,207 | €399,147 | €350,782 | €393,826 | €273,469 | ▼ 30.6% |
| Operating profit (loss)9901 | €72,156 | €157,699 | €324,811 | €259,465 | €247,346 | €188,461 | €250,604 | €116,052 | ▼ 53.7% |
| Financial income75/76B | - | - | - | €2,776 | €1,655 | €103 | €1,716 | €1,425 | ▼ 17.0% |
| Recurring financial income75 | €2,715 | €4,528 | €3,841 | €2,776 | €1,655 | €103 | €1,716 | €1,425 | ▼ 17.0% |
| Financial charges65/66B | - | - | - | €11,668 | €11,032 | €9,991 | €8,741 | €7,961 | ▼ 8.9% |
| Recurring financial charges65 | €13,821 | €12,504 | €12,483 | €11,668 | €11,032 | €9,991 | €8,741 | €7,961 | ▼ 8.9% |
| Profit (loss) for the period before taxes9903 | €61,050 | €149,724 | €316,169 | €250,574 | €237,969 | €178,573 | €243,580 | €109,516 | ▼ 55.0% |
| Income taxes67/77 | €13,751 | €35,313 | €97,255 | €74,392 | €70,500 | €53,792 | €75,758 | €31,470 | ▼ 58.5% |
| Profit (loss) for the period9904 | €47,299 | €114,411 | €218,913 | €176,182 | €167,468 | €124,781 | €167,822 | €78,045 | ▼ 53.5% |
| Profit (loss) for the period to be appropriated9905 | €47,299 | €114,411 | €228,016 | €176,182 | €167,468 | €124,781 | €167,822 | €78,045 | ▼ 53.5% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €1.0m | €1.2m | €1.4m | €1.6m | €1.5m | €1.5m | €1.7m | €1.6m | ▼ 1.8% |
| Fixed assets21/28 | €0.8m | €1.0m | €1.0m | €1.0m | €0.9m | €0.9m | €0.8m | €0.8m | ▼ 1.5% |
| Intangible fixed assets21 | €0.01m | €0.02m | €0.02m | €0.02m | €0.01m | €0.006m | €0.003m | €0.001m | ▼ 74.0% |
| Tangible fixed assets22/27 | €0.8m | €0.9m | €1.0m | €0.9m | €0.9m | €0.9m | €0.8m | €0.8m | ▼ 1.2% |
| Land and buildings22 | - | - | - | €0.9m | €0.9m | €0.9m | €0.8m | €0.8m | ▼ 6.7% |
| Plant, machinery and equipment23 | - | - | - | €0.03m | €0.02m | €0.02m | €0.01m | €0.008m | ▼ 27.5% |
| Furniture and vehicles24 | - | - | - | €0.01m | €0.008m | €0.007m | €0.003m | €0.05m | ▲ 15× |
| Financial fixed assets28 | - | - | - | - | €75 | €75 | €75 | €75 | = |
| Current assets29/58 | €0.2m | €0.2m | €0.4m | €0.6m | €0.6m | €0.6m | €0.8m | €0.8m | ▼ 2.0% |
| Stocks and contracts in progress3 | - | €0.007m | €0.005m | €0.004m | €0.001m | €0.003m | €0.002m | €0.001m | ▼ 66.7% |
| Stocks30/36 | - | - | - | €0.004m | €0.001m | €0.003m | €0.002m | €0.001m | ▼ 66.7% |
| Amounts receivable within one year40/41 | €0.08m | €0.1m | €0.1m | €0.1m | €0.04m | €0.09m | €0.09m | €0.1m | ▲ 55.4% |
| Trade receivables40 | - | - | - | €0.06m | €0.04m | €0.08m | €0.09m | €0.1m | ▲ 12.1% |
| Other amounts receivable41 | - | - | - | €0.05m | €0.002m | €0.009m | €5 | €0.04m | ▲ 7,278× |
| Current investments50/53 | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | = |
| Cash at bank and in hand54/58 | €0.1m | €0.05m | €0.3m | €0.5m | €0.5m | €0.5m | €0.7m | €0.7m | ▼ 9.6% |
| Deferred charges and accrued income490/1 | - | - | - | €0.01m | €0.02m | €0.004m | €0.001m | €0.005m | ▲ 510% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €1.0m | €1.2m | €1.4m | €1.6m | €1.5m | €1.5m | €1.7m | €1.6m | ▼ 1.8% |
| Equity10/15 | €0.5m | €0.6m | €0.8m | €0.9m | €0.9m | €1.0m | €1.1m | €1.0m | ▼ 2.8% |
| Contributions10/11 | €0.007m | €0.007m | - | €0.007m | €0.007m | €0.007m | €0.007m | €0.007m | = |
| Reserves13 | €0.3m | €0.4m | €0.6m | €0.7m | €0.7m | €0.8m | €0.9m | €0.8m | ▼ 3.5% |
| Non-distributable reserves130/1 | - | - | - | €0.002m | €0.002m | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €0.002m | €0.002m | - | - | - | - |
| Distributable reserves133 | - | - | - | €0.6m | €0.7m | €0.8m | €0.9m | €0.8m | ▼ 3.5% |
| Profit (loss) carried forward14 | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Amounts payable17/49 | €0.6m | €0.6m | €0.6m | €0.7m | €0.6m | €0.5m | €0.6m | €0.6m | ▲ 0.1% |
| Amounts payable after more than one year17 | €0.4m | €0.4m | €0.4m | €0.3m | €0.3m | €0.3m | €0.2m | €0.2m | ▼ 18.6% |
| Financial debts170/4 | - | - | - | €0.3m | €0.3m | €0.3m | €0.2m | €0.2m | ▼ 18.6% |
| Amounts payable within one year42/48 | €0.1m | €0.1m | €0.2m | €0.3m | €0.2m | €0.2m | €0.2m | €0.3m | ▲ 5.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.04m | €0.04m | €0.04m | €0.04m | €0.04m | ▲ 2.4% |
| Financial debts43 | - | - | - | €0.001m | €0.001m | €0.001m | - | €24 | - |
| Credit institutions430/8 | - | - | - | €0.001m | €0.001m | €0.001m | - | €24 | - |
| Trade debts44 | €0.05m | €0.05m | €0.02m | €0.03m | €0.02m | €0.04m | €0.02m | €0.04m | ▲ 88.3% |
| Suppliers440/4 | - | - | - | €0.03m | €0.02m | €0.04m | €0.02m | €0.04m | ▲ 88.3% |
| Taxes, remuneration and social security45 | - | - | - | €0.1m | €0.08m | €0.04m | €0.06m | €0.06m | ▲ 6.1% |
| Taxes450/3 | - | - | - | €0.1m | €0.07m | €0.02m | €0.05m | €0.06m | ▲ 18.7% |
| Remuneration and social security454/9 | - | - | - | €0.009m | €0.01m | €0.01m | €0.009m | €0.004m | ▼ 61.7% |
| Other amounts payable47/48 | - | - | - | €0.1m | €0.08m | €0.06m | €0.1m | €0.1m | ▼ 8.9% |
| Accrued charges and deferred income492/3 | - | - | - | €0.06m | €0.08m | €0.08m | €0.1m | €0.2m | ▲ 21.3% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €47,299 | €114,411 | €218,913 | €176,182 | €167,468 | €124,781 | €167,822 | €78,045 | ▼ 53.5% |
| + Depreciation and write-downs630 | €102,809 | €61,073 | €69,891 | €66,520 | €72,199 | €71,517 | €68,795 | €74,214 | ▲ 7.9% |
| Operating cash flow (approximation) | €150,108 | €175,483 | €288,804 | €242,702 | €239,668 | €196,298 | €236,617 | €152,259 | ▼ 35.7% |
| Investment in fixed assets (approximation) | - | -€222,982 | -€83,159 | -€50,834 | -€44,655 | -€26,065 | -€14,380 | -€61,886 | ▼ 330% |
| Change in cash | - | -€70,196 | €209,644 | €195,054 | €67,685 | -€12,008 | €212,654 | -€70,043 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 10,904 companies had the same profile as YourCoach has now. Two years later, 95.1% were still going and 0.7% had gone bankrupt.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
95.1%
was still going
4.0%
stopped otherwise
0.7%
went bankrupt
That fits the bankruptcy probability of YourCoach itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 10,904 companies, not a prediction for YourCoach. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Latest 10 of 17 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 15-07-2026 | 2026-00293750 | |
| 31-12-2024 | abbreviated format | 14-07-2025 | 2025-00263034 | |
| 31-12-2023 | abbreviated format | 04-07-2024 | 2024-00205584 | |
| 31-12-2022 | abbreviated format | 15-07-2023 | 2023-00239600 | |
| 31-12-2021 | abbreviated format | 11-07-2022 | 2022-20167577 | |
| 31-12-2020 | abbreviated format | 05-07-2021 | 2021-32300548 | |
| 31-12-2019 | abbreviated format | 14-07-2020 | 2020-30100003 | |
| 31-12-2018 | abbreviated format | 11-07-2019 | 2019-32900183 | |
| 31-12-2017 | abbreviated format | 17-07-2018 | 2018-34200085 | |
| 31-12-2016 | abbreviated format | 21-06-2017 | 2017-20600486 |