Coaching-uni-vers-elles

Active

Private limited companyfounded 20223 yrs activeLindestraat 42, 1640 Sint-Genesius-Rode, BelgiumKBO/BCE: BE 0794.313.402

The computed 12-month bankruptcy probability of Coaching-uni-vers-elles is 2.2% (moderate). The 2024 annual accounts show equity of €6k and a net result of €-868. Equity is growing by ~34.6% per year across the filed fiscal years. Its solvency ranks better than 46% of 6162 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

38 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability21▼-69

Solvency45▼-4

Growth78=

Track record94

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Liquidity tight (current ratio 1.16 against 1.18 in 2023; short-term debt: 79.9% and cash: 11.5% of total assets), and 79.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

20.1%

Return on assets

-2.7%

Age of the figures

21 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-10-2025, 63 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 · 3 filings

Deviation from the deadline

2025

not confirmed

2024

63 d late

2023

42 d late

2022

30 d late

← before the deadline after the 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 2024, micro schema

Equity

€6k▼ 12.0%

2023 · €7k

2022: €2k 2023: €7k

2022 → 2024

Total assets

€32k▲ 3.8%

2023 · €31k

2022: €3k 2023: €31k

2022 → 2024

Net result

€-868

2023 · €5k

2022: €-1k 2023: €5k

2022 → 2024

Working capital

€4k▼ 1.0%

2023 · €4k

2022: €2k 2023: €4k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€2k-€7k▲ 269%€6k▼ 12.0%

Operating result€-1k-€7k€-722

Net result€-1k-€5k€-868

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

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2024: a loss of €722 after €7k in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €32k

93.1%

Fixed assets €2k▼ 27.4%

Current assets €29k▲ 7.2%

Equity and liabilities €32k

20.1%

79.9%

Equity €6k▼ 12.0%

Debt €25k▲ 8.7%

The debt ratio rises from 76.3% to 79.9%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€106▼

2023 · €7k

Cash flow

€-40▼

2023 · €6k

Solvency

20.1%▼

2023 · 23.7%

Current ratio

1.16▼

2023 · 1.18

Quick ratio

0.35▼

2023 · 0.55

Debt / equity

3.98▲

2023 · 3.22

ROE

-13.7%▼

2023 · 72.9%

ROA

-2.7%▼

2023 · 17.3%

Interest coverage

0.72▼

2023 · 69.85

Debt

€25k▲

2023 · €23k

Debt ≤ 1 year

€25k▲

2023 · €23k

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€31k€32k▲

Fixed assets21/28€3k€2k▼

Tangible fixed assets22/27€3k€2k▼

Furniture and vehicles24€3k€2k▼

Current assets29/58€27k€29k▲

Stocks and contracts in progress3€15k€21k▲

Stocks30/36€15k€21k▲

Amounts receivable within one year40/41€11k€5k▼

Trade receivables40€11k€5k▼

Other amounts receivable41€49-

Cash at bank and in hand54/58€2k€4k▲

Equity and liabilities

Total equity and liabilities10/49€31k€32k▲

Equity10/15€7k€6k▼

Contributions10/11€3k€3k=

Profit (loss) carried forward14€4k€3k▼

Amounts payable17/49€23k€25k▲

Amounts payable within one year42/48€23k€25k▲

Trade debts44€3k€15▼

Suppliers440/4€3k€15▼

Taxes, remuneration and social security45€3k€1k▼

Taxes450/3€3k€1k▼

Other amounts payable47/48€18k€24k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€337€828▲

Gross operating margin9900€7k€106▼

Operating profit (loss)9901€7k€-722▼

Financial charges65/66B€99€146▲

Recurring financial charges65€99€146▲

Profit (loss) for the period before taxes9903€6k€-868▼

Income taxes67/77€1k-

Profit (loss) for the period9904€5k€-868▼

Profit (loss) for the period to be appropriated9905€5k€-868▼

Appropriation of the result

Profit (loss) to be appropriated9906€4k€3k▼

Profit (loss) brought forward from the previous period14P€-1k€4k▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

2025

02-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 63 days late

2024

11-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 42 days late

2023

31-12

Financial Back to profitnet €5k

Net result €5k after one loss-making year.

30-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 30 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 2024

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.

31-03-2024 Resigned as Director

Location & real-estate footprint

Registered office, Sint-Genesius-Rode · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Lindestraat 421640 Sint-Genesius-Rode

Ground area

317 m²

Building footprint

158 m²

Volume, LiDAR