Simplicité
ActiveSimplicité has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €154k and a net result of €188k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 63% of 2021 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +75 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▲+65
Growth78▲+46
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 2.73 against 0.0 in 2024), and 40.1% 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
59.9%
Return on assets
73.3%
Age of the figures
8 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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
60 d late
2023
180 d late
2022
109 d early
2021
61 d late
2020
81 d late
2019
68 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€154k
2024 · €-17k
2018: €35k
2019: €20k
2020: €5k
2021: €7k
2022: €2k
2023: €-2k
2024: €-17k
2018 → 2025
Total assets
€257k▲ 48.8%
2024 · €172k
2018: €216k
2019: €220k
2020: €193k
2021: €177k
2022: €195k
2023: €207k
2024: €172k
2018 → 2025
Net result
€188k
2024 · €-16k
2018: €-620
2019: €-15k
2020: €-15k
2021: €2k
2022: €-5k
2023: €-4k
2024: €-16k
2018 → 2025
Working capital
€162k
2024 · €-129k
2018: €-102k
2019: €-110k
2020: €-129k
2021: €-143k
2022: €-147k
2023: €-131k
2024: €-129k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€2k▼ 71.5%€-2k€-17k▼ 987%€154k
Operating result€5k-€-2k€5k€-11k€254k
Net result€2k-€-5k€-4k▲ 29.8%€-16k▼ 328%€188k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €254k after a loss of €11k in 2024, the highest year so far.
Balance-sheet composition
Equity and liabilities €257k
Equity
€154k
Debt
€103k
Debt finances 40.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€268k▲
2024 · €20k
Cash flow
€202k▲
2024 · €15k
Solvency
59.9%▲
2024 · -10.1%
Current ratio
2.73▲
2024 · 0.00
Quick ratio
2.73▲
2024 · 0.00
Debt / equity
0.67▲
2024 · -10.91
ROE
122.4%▲
2024 · 90.8%
ROA
73.3%▲
2024 · -9.2%
Interest coverage
93.96▲
2024 · 4.59
Debt
€103k▼
2024 · €190k
Debt ≤ 1 year
€94k▼
2024 · €129k
Debt > 1 year
€9k▼
2024 · €57k
Income taxes
€63k▲
2024 · €590
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€172k€257k▲
Fixed assets21/28€172k-
Tangible fixed assets22/27€172k-
Land and buildings22€158k-
Furniture and vehicles24€14k-
Current assets29/58€0€257k▲
Amounts receivable within one year40/41-€257k
Other amounts receivable41-€257k
Cash at bank and in hand54/58€0-
Equity and liabilities
Total equity and liabilities10/49€172k€257k▲
Equity10/15€-17k€154k▲
Contributions10/11€8k€8k=
Reserves13€17k€145k▲
Tax-exempt reserves132€17k-
Distributable reserves133-€145k
Profit (loss) carried forward14€-43k€597▲
Amounts payable17/49€190k€103k▼
Amounts payable after more than one year17€57k€9k▼
Financial debts170/4€57k€9k▼
Amounts payable within one year42/48€129k€94k▼
Current portion of amounts payable after more than one year42€12k€8k▼
Financial debts43€2k€1k▼
Credit institutions430/8€2k€1k▼
Trade debts44-€4k
Suppliers440/4-€4k
Taxes, remuneration and social security45€5k€65k▲
Taxes450/3€5k€65k▲
Other amounts payable47/48€110k€16k▼
Accrued charges and deferred income492/3€4k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€14k▼
Other operating charges640/8€735€6k▲
Gross operating margin9900€21k€274k▲
Operating profit (loss)9901€-11k€254k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€-15k€252k▲
Income taxes67/77€590€63k▲
Profit (loss) for the period9904€-16k€188k▲
Profit (loss) for the period to be appropriated9905€-16k€188k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-43k€146k▲
Profit (loss) brought forward from the previous period14P€-27k€-43k▼
Transfer from equity791/2-€17k
Transfer to equity691/2-€145k
To other reserves6921-€145k
Profit to be distributed694/7-€17k
Return on contributions (dividend)694-€17k
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
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €188k
Net result €188k after 3 loss-making years.
31-12
Financial
Liquidity times 2701037current ratio 2.73
Current ratio from 0.00 to 2.73; short-term debt falls from €129k to €94k.
31-12
Financial
Equity above €150kEq €154k
Equity rises from €-17k to €154k.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
27-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 180 days late
2024
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
2023
13-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after 3 loss-making years.
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 81 days late
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
29-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2018
Pascal BOURGEOIS
Not recently confirmedManaging director · since 01-10-2018
01-10-2018
Appointed as Managing director
Location & real-estate footprint
Registered office, Namur · 1 establishment unit since 2011
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 des Aubépines(EP) 105101 NamurGround area
639 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Serendipity & Synchronicity
since 20112.200.754.608
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92039A0117/00E000 | Wallonia | 319 m² | - | - |
| 92039A0117/00F000 | Wallonia | 319 m² | - | - |
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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
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Of 3,006 companies in sector 85592 we hold annual accounts for 984. 751 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-04-2011
Fiscal year end31-12
Activities, NACEBEL
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.
Contact details
2 entriesE-mail:steph.piret@hotmail.com
Phone:0499/20.30.63