Action Learning
ActiveSummary
Action Learning has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €463k and a net result of €41k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 89% of 2043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▼-16
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 8.52 against 78.41 in 2024; short-term debt: 11% and cash: 7.7% of total assets), and 11% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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
89%
Return on assets
7.8%
Age of the figures
12 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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €463k
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 07-05-2026, 7 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
7 d late
2024
23 d early
2023
36 d early
2022
130 d early
2021
110 d early
2020
29 d early
2019
100 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€463k▲ 9.7%
2024 · €422k
2018: €296k
2019: €411k
2020: €419k
2021: €405k
2022: €416k
2023: €420k
2024: €422k
2018 → 2025
Total assets
€520k▲ 21.6%
2024 · €428k
2018: €389k
2019: €493k
2020: €575k
2021: €578k
2022: €572k
2023: €559k
2024: €428k
2018 → 2025
Net result
€41k▲ 1,586%
2024 · €2k
2018: €74k
2019: €115k
2020: €8k
2021: €-15k
2022: €12k
2023: €3k
2024: €2k
2018 → 2025
Working capital
€429k▲ 12.6%
2024 · €381k
2018: €231k
2019: €339k
2020: €365k
2021: €360k
2022: €359k
2023: €371k
2024: €381k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€405k-€416k▲ 2.9%€420k▲ 0.8%€422k▲ 0.6%€463k▲ 9.7%
Operating result€-13k-€19k€4k▼ 80.5%€3k▼ 13.7%€14k▲ 345%
Net result€-15k-€12k€3k▼ 72.3%€2k▼ 25.5%€41k▲ 1,586%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 345% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €520k
Fixed assets
€34k ▼ 18.6%
Current assets
€486k ▲ 25.9%
Equity and liabilities €520k
Equity
€463k ▲ 9.7%
Debt
€57k ▲ 935%
Debt's share of the balance-sheet total rises from 1.3% to 11.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€22k▲
2024 · €11k
Cash flow
€49k▲
2024 · €10k
Current ratio
8.52▼
2024 · 78.41
Debt to equity
0.12▲
2024 · 0.01
ROE
8.8%▲
2024 · 0.6%
ROA
7.8%▲
2024 · 0.6%
Interest coverage
2.93▼
2024 · 60.89
Debt ≤ 1 year
€57k▲
2024 · €5k
Income taxes
€16k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€428k€520k▲
Fixed assets21/28€42k€34k▼
Tangible fixed assets22/27€42k€34k▼
Land and buildings22€29k€28k▼
Furniture and vehicles24€13k€6k▼
Current assets29/58€386k€486k▲
Amounts receivable within one year40/41€11k€10▼
Trade receivables40€11k€0▼
Other amounts receivable41€10€10▲
Current investments50/53€270k€446k▲
Cash at bank and in hand54/58€105k€40k▼
Deferred charges and accrued income490/1€130€114▼
Equity and liabilities
Total equity and liabilities10/49€428k€520k▲
Equity10/15€422k€463k▲
Contributions10/11€6k€6k=
Reserves13€395k€436k▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€394k€436k▲
Profit (loss) carried forward14€20k€20k=
Amounts payable17/49€6k€57k▲
Amounts payable within one year42/48€5k€57k▲
Trade debts44€313€0▼
Suppliers440/4€313€0▼
Taxes, remuneration and social security45€1k€17k▲
Taxes450/3€1k€17k▲
Other amounts payable47/48€4k€40k▲
Accrued charges and deferred income492/3€590€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▼
Other operating charges640/8€989€11k▲
Non-recurring operating charges66A€4k€0▼
Gross operating margin9900€16k€34k▲
Operating profit (loss)9901€3k€14k▲
Financial income75/76B€1k€50k▲
Recurring financial income75€1k€50k▲
Financial charges65/66B€182€8k▲
Recurring financial charges65€182€8k▲
Profit (loss) for the period before taxes9903€4k€57k▲
Income taxes67/77€2k€16k▲
Profit (loss) for the period9904€2k€41k▲
Profit (loss) for the period to be appropriated9905€2k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€61k▲
Profit (loss) brought forward from the previous period14P€22k€20k▼
Transfer to equity691/2€4k€41k▲
To other reserves6921€4k€41k▲
The notes to these accounts (5 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
07-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
07-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity times 21current ratio 78.41
Current ratio from 3.67 to 78.41; short-term debt falls from €139k to €5k.
25-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-09
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
10-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €-15k ▼273%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
01-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
21-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Highest result since 2018net €115k ▲56.6%
Operating result €172k, net result €115k, both a record.
03-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2008
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.
Kolveniersgang 1079000 GentGround area
934 m²
Building footprint
807 m²
Volume, LiDAR
9,567 m³
Parcel 44021A0016/00S000, Flanders · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Action Learning
since 20082.171.061.522
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A0016/00S000 | Flanders | 934 m² | 1 · 807 m² | 15.0 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 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
MDBM
BE 0845.057.367
Lubbeek · Eq €465,973
ADVANCED BIOMECHANICAL REHABILITATION BELGIUM
BE 0502.387.942
Hasselt · Eq €466,009
VIA DOCTA
BE 0662.475.059
Sint-Pieters-Woluwe · Eq €457,736
The International Academy of Osteopathy
BE 0459.285.397
Gent · Eq €457,155
BEXPERTISE-Be 4
BE 0876.353.824
Mechelen · Eq €469,039
Of 11,671 companies in sector 85599 we hold annual accounts for 1,329. 757 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-05-2008
Fiscal year end30-09
Activities, NACEBEL 2025
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.