HORIZON TRAINING & COACHING
ActiveSummary
HORIZON TRAINING & COACHING has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €71k and a net result of €-11k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 68% of 2542 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability15▼-55
Solvency92▲+8
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 5.81 against 3.92 in 2023; short-term debt: 12.8% and cash: 49% of total assets), and 33.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 →
raises risk · 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 2024Solvency, return and age of the figures
Solvency
66.6%
Return on assets
-10.6%
Age of the figures
21 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 31-12-2024 was due by 31-07-2025 and was filed on 25-06-2025, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
36 d early
2023
23 d early
2022
48 d early
2021
47 d early
2020
26 d early
2019
24 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€71k▼ 13.7%
2023 · €82k
2018: €46k
2019: €38k
2020: €10k
2021: €23k
2022: €83k
2023: €82k
2018 → 2024
Total assets
€106k▼ 23.8%
2023 · €139k
2018: €100k
2019: €81k
2020: €47k
2021: €44k
2022: €156k
2023: €139k
2018 → 2024
Net result
€-11k
2023 · €2k
2018: €3k
2019: €-8k
2020: €-28k
2021: €13k
2022: €61k
2023: €2k
2018 → 2024
Working capital
€65k▼ 14.0%
2023 · €76k
2018: €38k
2019: €31k
2020: €3k
2021: €22k
2022: €76k
2023: €76k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€10k-€23k▲ 136%€83k▲ 267%€82k▼ 1.6%€71k▼ 13.7%
Operating result€-27k-€14k€84k▲ 482%€5k▼ 94.0%€-10k
Net result€-28k-€13k€61k▲ 364%€2k▼ 96.8%€-11k
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 €10k after €5k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €106k
Fixed assets
€27k ▼ 27.0%
Current assets
€79k ▼ 22.6%
Equity and liabilities €106k
Equity
€71k ▼ 13.7%
Debt
€35k ▼ 38.2%
Debt's share of the balance-sheet total falls from 41.2% to 33.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€1k▼
2023 · €16k
Cash flow
€56▼
2023 · €13k
Current ratio
5.81▲
2023 · 3.92
Debt to equity
0.50▼
2023 · 0.70
ROE
-15.8%▼
2023 · 2.4%
ROA
-10.6%▼
2023 · 1.4%
Interest coverage
1.12▼
2023 · 14.74
Debt ≤ 1 year
€14k▼
2023 · €26k
Debt > 1 year
€21k▼
2023 · €31k
Income taxes
€163▼
2023 · €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 · 2024 against 2023 · 52 lines
Balance sheet
Code20232024
Assets
Total assets20/58€139k€106k▼
Fixed assets21/28€37k€27k▼
Tangible fixed assets22/27€37k€27k▼
Furniture and vehicles24-€860
Leasing and similar rights25€37k€26k▼
Current assets29/58€102k€79k▼
Amounts receivable after more than one year29-€11k
Other amounts receivable291-€11k
Amounts receivable within one year40/41€29k€16k▼
Trade receivables40€17k€15k▼
Other amounts receivable41€11k€559▼
Cash at bank and in hand54/58€73k€52k▼
Deferred charges and accrued income490/1€199€350▲
Equity and liabilities
Total equity and liabilities10/49€139k€106k▼
Equity10/15€82k€71k▼
Contributions10/11€12k€12k=
Reserves13€69k€69k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€67k€67k=
Profit (loss) carried forward14€689€-11k▼
Amounts payable17/49€57k€35k▼
Amounts payable after more than one year17€31k€21k▼
Financial debts170/4€31k€21k▼
Amounts payable within one year42/48€26k€14k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€6k-
Suppliers440/4€6k-
Taxes, remuneration and social security45€9k€4k▼
Taxes450/3€9k€4k▼
Other amounts payable47/48€3k-
Accrued charges and deferred income492/3€500€500=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€598€290▼
Gross operating margin9900€18k€3k▼
Operating profit (loss)9901€5k€-10k▼
Financial income75/76B€3€110▲
Recurring financial income75€3€110▲
Financial charges65/66B€1k€921▼
Recurring financial charges65€1k€921▼
Profit (loss) for the period before taxes9903€4k€-11k▼
Income taxes67/77€2k€163▼
Profit (loss) for the period9904€2k€-11k▼
Profit (loss) for the period to be appropriated9905€2k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-11k▼
Profit (loss) brought forward from the previous period14P€644€689▲
Transfer from equity791/2€3k-
Transfer to equity691/2€2k-
To other reserves6921€2k-
Profit to be distributed694/7€3k-
Return on contributions (dividend)694€3k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €61k ▲364%
Operating result €84k, net result €61k, both a record.
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-28k
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Villers-la-Ville · 1 establishment unit since 2013
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.
Chemin des Dames Avelines 111495 Villers-la-VilleGround area
1,825 m²
Building footprint
93 m²
Parcel 25098A0036/00S004, Wallonia. Linked by address, not a title deed.
1 establishment unit
HORIZON TRAINING AND COACHING
since 20132.221.051.362
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25098A0036/00S004 | Wallonia | 1,825 m² | 1 · 93 m² | - |
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.
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Of 3,017 companies in sector 85592 we hold annual accounts for 987. 725 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
Founded24-06-2013
Fiscal year end31-12
Activities, NACEBEL 2025
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:martine.deprijker@gmail.com
Phone:0476/450.158