CENTRE D'ORIENTATION ET DE DEVELOPPEMENT POUR L'EMPLOI ET LA FORMATION
ActiveCENTRE D'ORIENTATION ET DE DEVELOPPEMENT POUR L'EMPLOI ET LA FORMATION has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €268k and a net result of €31k. Equity is growing by ~19% per year across the filed fiscal years. Its solvency ranks better than 43% of 454 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-10
Solvency78▲+7
Growth73=
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.19 against 2.2 in 2024), but 64.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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 · 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
35.9%
Return on assets
4.2%
Age of the figures
8 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
35 d early
2023
23 d early
2022
28 d early
2021
2 d late
2020
23 d late
2019
22 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€147k▲ 9.3%
2024 · €135k
2022: €113k
2023: €128k
2024: €135k
2022 → 2025
EBIT margin
27.0%▼ 10.8pp
2024 · 37.7%
2022: 32.7%
2023: 25.3%
2024: 37.7%
2022 → 2025
Net result
€31k▼ 21.7%
2024 · €40k
2018: €29k
2019: €19k
2020: €14k
2021: €16k
2022: €36k
2023: €25k
2024: €40k
2018 → 2025
Working capital
€232k▲ 3.0%
2024 · €225k
2018: €120k
2019: €124k
2020: €219k
2021: €164k
2022: €381k
2023: €200k
2024: €225k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€113k€128k▲ 13.0%€135k▲ 5.1%€147k▲ 9.3%
Equity€128k-€164k▲ 28.1%€189k▲ 15.5%€229k▲ 21.1%€268k▲ 16.8%
Operating result€17k-€37k▲ 123%€32k▼ 12.7%€51k▲ 57.0%€40k▼ 21.8%
Net result€16k-€36k▲ 129%€25k▼ 29.5%€40k▲ 57.4%€31k▼ 21.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €746k
Fixed assets
€319k▼ 2.8%
Current assets
€427k▲ 3.4%
Equity and liabilities €746k
Equity
€268k▲ 16.8%
Provisions
€0▼ 100%
Debt
€478k▼ 4.8%
The debt ratio falls from 67.7% to 64.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€71k▼
2024 · €84k
Cash flow
€63k▼
2024 · €73k
Solvency
35.9%▲
2024 · 31.0%
Current ratio
2.19▼
2024 · 2.20
Quick ratio
2.15▼
2024 · 2.17
Debt / equity
1.78▼
2024 · 2.19
ROE
11.7%▼
2024 · 17.4%
ROA
4.2%▼
2024 · 5.4%
Interest coverage
6.96▼
2024 · 7.07
Debt
€478k▼
2024 · €502k
Debt ≤ 1 year
€195k▲
2024 · €188k
Debt > 1 year
€280k▼
2024 · €301k
Staff costs
€1.03M▲
2024 · €1.01M
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€741k€746k▲
Fixed assets21/28€328k€319k▼
Tangible fixed assets22/27€328k€319k▼
Land and buildings22€320k€307k▼
Plant, machinery and equipment23€7k€3k▼
Furniture and vehicles24€883€9k▲
Financial fixed assets28€25€25=
Current assets29/58€413k€427k▲
Stocks and contracts in progress3€7k€8k▲
Stocks30/36€7k€8k▲
Amounts receivable within one year40/41€259k€249k▼
Trade receivables40€11k€6k▼
Other amounts receivable41€248k€243k▼
Cash at bank and in hand54/58€147k€164k▲
Deferred charges and accrued income490/1€770€6k▲
Equity and liabilities
Total equity and liabilities10/49€741k€746k▲
Equity10/15€229k€268k▲
Reserves13€219k€247k▲
Profit (loss) carried forward14€10k€13k▲
Investment grants15-€7k
Provisions and deferred taxes16€10k-
Provisions for liabilities and charges160/5€10k-
Major repairs and maintenance162€10k-
Amounts payable17/49€502k€478k▼
Amounts payable after more than one year17€301k€280k▼
Financial debts170/4€301k€280k▼
Amounts payable within one year42/48€188k€195k▲
Current portion of amounts payable after more than one year42€21k€21k▲
Trade debts44€6k€6k▲
Suppliers440/4€6k€6k▲
Taxes, remuneration and social security45€161k€165k▲
Taxes450/3€13k€13k▲
Remuneration and social security454/9€148k€152k▲
Accrued charges and deferred income492/3€13k€3k▼
Income statement
Code20242025
Turnover70€135k€147k▲
Goods, raw materials, services and sundry goods60/61€136k€136k▼
Remuneration, social security and pensions62€1.01M€1.03M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€31k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€1.10M€1.09M▼
Operating profit (loss)9901€51k€40k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€12k€10k▼
Recurring financial charges65€12k€10k▼
Profit (loss) for the period before taxes9903€40k€31k▼
Profit (loss) for the period9904€40k€31k▼
Profit (loss) for the period to be appropriated9905€40k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€41k▼
Profit (loss) brought forward from the previous period14P€6k€10k▲
To contributions691€36k€28k▼
Social balance
Average headcount (FTE)908714.113.9▼
The notes to these accounts (12 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
02-09
State Gazette act
General meeting · Member admissionGeneral meeting · Member admission · Director appointment4 facts ▸
State Gazette act
General meeting · Member admission
General meeting · Member admission · Director appointment4 facts ▸
- General meeting, 2026-06-19
- Member admission, Amélie Paquet
- Director appointment, Amélie Paquet (administratrice)
- Director reappointment, Pascal Delculée (administrateur)
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €40k ▲57.4%
Operating result €51k, net result €40k, both a record.
31-12
Financial
Equity above €200kEq €229k ▲21.1%
7 profitable years in a row build equity to €229k.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €150kEq €164k ▲28.1%
5 profitable years in a row build equity to €164k.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 2 days late
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 23 days late
2020
31-12
Financial
Weakest financial yearnet €14k ▼30.1%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €112k ▲13.7%
3 profitable years in a row build equity to €112k.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
05-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 36 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 directors, no change since 2026
Amélie Paquet
CurrentDirector · since 19-06-2026
DELCULEE Pascal
CurrentDirector
19-06-2026
Amélie Paquet: Appointed as Director
15-07-2024
Danielle Wynants: Resigned as Director
15-07-2024
Giovanni Claes: Resigned as Director
09-06-2021
Tanguy Dardenne: Resigned as Director
02-06-2020
Michel LEBRUN: Resigned as Director
27-06-2016
COLLET Fabian: Resigned as Director
27-06-2016
DEFOIN Adelin: Resigned as Director
27-06-2016
DEPRAETERE Marie: Resigned as Director
22-09-2015
PAROCHE Alain: Resigned as Director
Location & real-estate footprint
Registered office, Viroinval · 1 establishment unit since 1992
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 Jean-Chot, Olloy 395670 Viroinval1 establishment unit
CENTRE D'ORIENTATION ET DE DEVELOPPEMENT POUR L'EMPLOI ET LA FORMATION
since 19922.162.111.588
Similar companies · same sector, comparable size
PWL Construct
BE 0669.746.396
Herselt · Eq €268k
Compagno
BE 0824.892.453
Wijnegem · Eq €268k
LUVACO
BE 0478.699.651
Hasselt · Eq €268k
HORTUS GANDA
BE 0893.655.555
Gavere · Eq €269k
DUMAY OLIVIER
BE 0643.757.128
Genappe · Eq €269k
Of 21,156 companies in sector 81300 we hold annual accounts for 4,345. 3,185 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded05-11-1992
Fiscal year end31-12
Abbreviation FR
C.O.D.E.F.
Activities, NACEBEL
81300Landscape service activities
85592Vocational training
78200Temporary employment agencies and other provision of personnel
78300Employment activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filings
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.