Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of COMMEDUCATION is 0.1% (very low). The 2025 annual accounts show equity of €665k and a net result of €-25k. Equity is shrinking by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 4760 sector peers (fiscal year 2025). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 7 annual accounts.
Signals
2 signals · with evidencePersistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
View the result trend Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 95% of 4760 peers (2025). A comfortable equity buffer.
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-10-2025, 93 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-06-2025 | 31-01-2026 | 30-10-2025 | 93 d early | 2025-00554103 |
| 30-06-2024 | 31-01-2025 | 10-09-2024 | 143 d early | 2024-00457680 |
| 30-06-2023 | 31-01-2024 | 16-01-2024 | 15 d early | 2024-00003735 |
| 30-06-2022 | 31-01-2023 | 05-01-2023 | 26 d early | 2023-20554510 |
| 30-06-2021 | 31-01-2022 | 20-12-2021 | 42 d early | 2021-80900513 |
| 30-06-2020 | 31-01-2021 | 17-12-2020 | 45 d early | 2020-76100223 |
| 30-06-2019 | 31-01-2020 | 13-01-2020 | 18 d early | 2020-00900578 |
| 30-06-2018 | 31-01-2019 | 17-12-2018 | 45 d early | 2018-75100453 |
| 30-06-2017 | 31-01-2018 | 15-01-2018 | 16 d early | 2018-01700451 |
| 30-06-2016 | 31-01-2017 | 25-01-2017 | 6 d early | 2017-02300133 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsLong-established
Founded in 2000, 26 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.1%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Long track record
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-25k+10.1%
Working capital€494k+2.7%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 30-10-2025 with the NBB · fiscal year 2025 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~12.3%/year over 7 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 95.0% | 55.4% | |
| Net result | €-25k | €38k | |
| Equity | €665k | €64k | |
| Gross operating margin | €7k | €61k | |
| Total assets | €700k | €146k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P95
Stable position over 2020-2025
· n=1438-12491
P5
Weakening position over 2020-2025
· n=1438-12493
P95
Stable position over 2020-2025
· n=1441-12499
P14
Weakening position over 2020-2025
· n=1436-12478
Describes the position versus peers, not a forecast.
€3k
-70.8%
19-25
€-25k
+10.1%
19-25
€13k
+29.5%
19-25
€700k
-2.6%
19-25
€665k
-3.7%
19-25
€494k
+2.7%
19-25
€197
-8.6%
19-25
€0
-100.0%
19-25
Show 9 other metrics
€35k
+23.5%
19-25
€35k
+23.5%
19-25
15.16
-15.9%
19-25
15.16
-15.9%
19-25
95.0%
-1.1%
19-25
0.05
+28.2%
19-25
-3.8%
+6.6%
19-25
-3.6%
+7.7%
19-25
28.20
+278.7%
19-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €3k |
| Net profit | €-25k |
| Cash flow | €13k |
| Staff costs | - |
| Income taxes | €197 |
| Dividends | - |
| Total assets | €700k |
| Equity | €665k |
| Debt | €35k |
| of which ≤ 1y | €35k |
| of which > 1y | - |
| Working capital | €494k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 15.16 |
| Quick ratio | 15.16 |
| Working capital ratio | 70.6% |
| Solvency | 95.0% |
| Debt / equity | 0.05 |
| Long-term debt ratio | - |
| Interest coverage | 28.20 |
| Gross margin | - |
| Net margin | - |
| ROA | -3.6% |
| ROE | -3.8% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €700k |
| Fixed assets | 21/28 | €170k |
| Tangible fixed assets | 22/27 | €170k |
| Current assets | 29/58 | €529k |
| Amounts receivable within one year | 40/41 | €20k |
| Investments | 50/53 | €300k |
| Cash & bank | 54/58 | €210k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €700k |
| Equity | 10/15 | €665k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €646k |
| Amounts payable | 17/49 | €35k |
| Amounts payable within one year | 42/48 | €35k |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Gross operating margin | 9900 | €7k |
| Operating result | 9901 | €-35k |
| Financial income | 75 | €10k |
| Financial charges | 65 | €121 |
| Result before taxes | 9903 | €-25k |
| Income taxes | 67/77 | €197 |
| Net result for the period | 9904 | €-25k |
| Result to be appropriated | 9905 | €-25k |
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed78
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Directors
Directors & mandates
1 director4 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
Marie DescheemaekerDirectorState Gazette act 23156797 (07-12-2023)Current01-10-2023 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies(70200) |
| Legal form | Private limited company(610) |
| Incorporation | 02-02-2000 |
| Status | Active |
| Postal code | 1982 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationPastorijstraat 8, 1982 Zemst
since 20002.100.678.322
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,996 m²
Buildings1
Building footprint158 m²
Volume (LiDAR)955 m³
Tallest building9.6 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23092C0041/00G002 | Flanders | 1,996 m² | 1 · 158 m² | 9.6 m · 2 fl. |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 act All acts · 1
updated 2 years ago
2023
07-12-2023 Marie Descheemaeker appointed as director
- Marie Descheemaeker, Bestuurder
Analysis
Financial profile
5 of 5 axes measured62
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
78
Profitability
0
Solvency
100
Growth
32
Stability
100
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 15,459 of the 82,200 companies in this sector. 7,842 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige adviesbureaus op het gebied van bedrijfsvoering en beheer74142
Primary activity highlighted.
Names & trade names
| Legal nameNL | COMMEDUCATION |
Registered office
Pastorijstraat 8
1982 Zemst, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.