Ecole Sainte-Anne
ActiveEcole Sainte-Anne has been active since 1959 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €598k and a net result of €72k. Equity is shrinking by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 52% of 548 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
100
/ 100
Excellent▲ +13 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability87▲+18
Solvency94▲+8
Growth51▲+1
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.95 against 1.74 in 2023), and 49.3% 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 · 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
lowers risk · Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
NBB · annual accounts 2024Equity per financial year
192021222324
2019 to 2024 · latest year €598k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-07-2025, 20 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
20 d early
2023
327 d late
2022
689 d late
2021
89 d late
2020
25 d early
2019
33 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€304k▲ 7.2%
2023 · €284k
2019: €278k
2020: €144k
2021: €144k
2022: €301k
2023: €284k
2019 → 2024
EBIT margin
22.8%▲ 11.6pp
2023 · 11.2%
2019: -10.6%
2020: -41.9%
2021: -41.9%
2022: 19.0%
2023: 11.2%
2019 → 2024
Net result
€72k▲ 137%
2023 · €30k
2020: €-65k
2021: €-65k
2022: €56k
2023: €30k
2020 → 2024
Working capital
€404k▲ 22.9%
2023 · €329k
2019: €213k
2020: €180k
2021: €180k
2022: €252k
2023: €329k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€144k-€144k=€301k▲ 110%€284k▼ 5.8%€304k▲ 7.2%
Equity€612k-€612k=€532k▼ 13.1%€544k▲ 2.2%€598k▲ 9.9%
Operating result€-60k-€-60k=€57k€32k▼ 44.5%€69k▲ 118%
Net result€-65k-€-65k=€56k€30k▼ 45.3%€72k▲ 137%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 118% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.18M
Fixed assets
€348k▼ 8.7%
Current assets
€831k▲ 7.4%
Equity and liabilities €1.18M
Equity
€598k▲ 9.9%
Debt
€581k▼ 4.9%
The debt ratio falls from 52.9% to 49.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€109k▲
2023 · €97k
Cash flow
€112k▲
2023 · €95k
Solvency
50.7%▲
2023 · 47.1%
Current ratio
1.95▲
2023 · 1.74
Quick ratio
1.95▲
2023 · 1.74
Debt / equity
0.97▼
2023 · 1.12
ROE
12.1%▲
2023 · 5.6%
ROA
6.1%▲
2023 · 2.6%
Interest coverage
86.14▲
2023 · 68.29
Debt
€581k▼
2023 · €611k
Debt ≤ 1 year
€427k▼
2023 · €445k
Debt > 1 year
€123k=
2023 · €123k
Staff costs
€116k▼
2023 · €118k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.15M€1.18M▲
Fixed assets21/28€381k€348k▼
Tangible fixed assets22/27€381k€348k▼
Land and buildings22€336k€317k▼
Plant, machinery and equipment23€4k€4k▼
Furniture and vehicles24€25k€19k▼
Other tangible fixed assets26€16k€8k▼
Current assets29/58€774k€831k▲
Amounts receivable within one year40/41€404k€409k▲
Trade receivables40€10k€16k▲
Other amounts receivable41€394k€394k=
Cash at bank and in hand54/58€370k€422k▲
Equity and liabilities
Total equity and liabilities10/49€1.15M€1.18M▲
Equity10/15€544k€598k▲
Contributions10/11€83k€83k=
Capital10€83k€83k=
Profit (loss) carried forward14€256k€328k▲
Investment grants15€205k€186k▼
Amounts payable17/49€611k€581k▼
Amounts payable after more than one year17€123k€123k=
Financial debts170/4€123k€123k=
Amounts payable within one year42/48€445k€427k▼
Current portion of amounts payable after more than one year42€14k-
Trade debts44€22k€14k▼
Suppliers440/4€22k€14k▼
Taxes, remuneration and social security45€10k€12k▲
Taxes450/3€378€673▲
Remuneration and social security454/9€10k€12k▲
Accrued charges and deferred income492/3€43k€32k▼
Income statement
Code20232024
Turnover70€284k€304k▲
Goods, raw materials, services and sundry goods60/61€406k€414k▲
Remuneration, social security and pensions62€118k€116k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€40k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€232€1k▲
Other operating charges640/8€18k€34k▲
Gross operating margin9900€233k€260k▲
Operating profit (loss)9901€32k€69k▲
Financial income75/76B€17€4k▲
Recurring financial income75€17€4k▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€30k€72k▲
Profit (loss) for the period9904€30k€72k▲
Profit (loss) for the period to be appropriated9905€30k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€256k€328k▲
Profit (loss) brought forward from the previous period14P€226k€256k▲
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
23-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 327 days late
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 689 days late
2024
31-12
Financial
Highest result since 2020net €72k ▲137%
Operating result €69k, net result €72k, both a record.
2022
31-12
Financial
Back to profitnet €56k
Net result €56k after 2 loss-making years.
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 89 days late
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
02-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 33 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
17-06-2025
CAMBERLIN Isabelle: Resigned as Director
17-06-2025
CAUDRON Caroline: Resigned as Director
17-06-2025
CHARLES Michaël: Resigned as Director
17-06-2025
FELLNER Marie-Frédérique: Resigned as Director
17-06-2025
MUYLDERMANS Denis: Resigned as Director
17-06-2025
PUTMANS Yves: Resigned as Director
02-03-2023
GRAVY Serge: Resigned as Director
09-03-2021
FRANCOIS Pol: Resigned as Director
09-03-2021
WEBER Jearn: Resigned as Director
14-06-2018
Marie ERNST: Resigned as Director
14-06-2018
Philippe WILLEMS: Resigned as Director
24-02-2017
CHARLES Michaël: Resigned as Director
24-02-2017
Jean BIERNAUX: Resigned as Director
03-09-2014
CHANOINE Brigitte: Resigned as Director
Location & real-estate footprint
Registered office, Waterloo · 1 establishment unit since 2007
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.
Rue Sainte-Anne 41-431410 WaterlooGround area
1,597 m²
Parcel 25764N0372/00_000, Wallonia. Linked by address, not a title deed.
1 establishment unit
ECOLE LIBRE SUBVENTIONNEE SAINTE-ANNE
since 20072.167.166.377
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25764N0372/00_000indicative | Wallonia | 1,597 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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
Pouvoir organisateur du Collège du Biéreau.Enseignement fondamental maternel et primaire mixte
BE 0412.471.417
Ottignies-Louvain-la-Neuve · Eq €597k
Katholieke Scholen Regio Oosterzele
BE 0423.546.837
Oosterzele · Eq €604k
Ecole Plein Air
BE 0451.081.276
Ukkel · Eq €607k
Communauté des Ecoles libres d'Anderlecht
BE 0414.584.631
Anderlecht · Eq €574k
Comité scolaire des établissements Saint Martin et Saint Joseph
BE 0435.151.304
Orp-Jauche · Eq €623k
Of 605 companies in sector 85204 we hold annual accounts for 183. 168 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded10-12-1959
Fiscal year end31-12
Activities, NACEBEL
85204Subsidised independent mainstream primary education
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.