NextStep coaching
ActiveNextStep coaching has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €218k and a net result of €39k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 61% of 1587 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▼-10
Solvency97▼-1
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 2.64 against 4.11 in 2024), and 43.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
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
56.2%
Return on assets
10.2%
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
340 d late
2023
31 d late
2022
5 d early
2021
30 d late
2020
31 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
08-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€218k▼ 8.3%
2024 · €238k
2020: €143k
2021: €187k
2022: €144k
2023: €182k
2024: €238k
2020 → 2025
Total assets
€388k▼ 7.3%
2024 · €419k
2020: €384k
2021: €360k
2022: €310k
2023: €346k
2024: €419k
2020 → 2025
Net result
€39k▼ 29.8%
2024 · €56k
2020: €50k
2021: €43k
2022: €-36k
2023: €37k
2024: €56k
2020 → 2025
Working capital
€147k▼ 21.2%
2024 · €186k
2020: €66k
2021: €116k
2022: €77k
2023: €147k
2024: €186k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€187k-€144k▼ 22.6%€182k▲ 26.0%€238k▲ 30.9%€218k▼ 8.3%
Operating result€63k-€-37k€37k€78k▲ 113%€54k▼ 31.5%
Net result€43k-€-36k€37k€56k▲ 49.7%€39k▼ 29.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €388k
Fixed assets
€152k▼ 12.2%
Current assets
€236k▼ 3.9%
Equity and liabilities €388k
Equity
€218k▼ 8.3%
Debt
€170k▼ 6.0%
The debt ratio rises from 43.2% to 43.8%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€75k▼
2024 · €98k
Cash flow
€61k▼
2024 · €76k
Solvency
56.2%▼
2024 · 56.8%
Current ratio
2.64▼
2024 · 4.11
Quick ratio
2.64▼
2024 · 4.11
Debt / equity
0.78▲
2024 · 0.76
ROE
18.1%▼
2024 · 23.6%
ROA
10.2%▼
2024 · 13.4%
Interest coverage
33.97▼
2024 · 315.17
Debt
€170k▼
2024 · €181k
Debt ≤ 1 year
€90k▲
2024 · €60k
Debt > 1 year
€80k▼
2024 · €121k
Income taxes
€17k▼
2024 · €24k
Staff costs
€77k▲
2024 · €71k
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€419k€388k▼
Fixed assets21/28€173k€152k▼
Tangible fixed assets22/27€173k€152k▼
Land and buildings22€158k€141k▼
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€4k€2k▼
Financial fixed assets28€50€50=
Current assets29/58€246k€236k▼
Amounts receivable within one year40/41€18k€43k▲
Trade receivables40€13k€39k▲
Other amounts receivable41€5k€4k▼
Current investments50/53€160k€99k▼
Cash at bank and in hand54/58€64k€71k▲
Deferred charges and accrued income490/1€4k€23k▲
Equity and liabilities
Total equity and liabilities10/49€419k€388k▼
Equity10/15€238k€218k▼
Contributions10/11€110€100▼
Reserves13€236k€217k▼
Non-distributable reserves130/1-€10
Reserves not available under the articles1311-€10
Distributable reserves133€236k€217k▼
Profit (loss) carried forward14€1k€1k=
Amounts payable17/49€181k€170k▼
Amounts payable after more than one year17€121k€80k▼
Other amounts payable178/9€121k€80k▼
Amounts payable within one year42/48€60k€90k▲
Trade debts44€43k€38k▼
Suppliers440/4€43k€38k▼
Taxes, remuneration and social security45€17k€41k▲
Taxes450/3€11k€32k▲
Remuneration and social security454/9€6k€9k▲
Other amounts payable47/48-€10k
Accrued charges and deferred income492/3€413-
Income statement
Code20242025
Remuneration, social security and pensions62€71k€77k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€21k▲
Other operating charges640/8€7k€3k▼
Gross operating margin9900€177k€154k▼
Operating profit (loss)9901€78k€54k▼
Financial income75/76B€2k€5k▲
Recurring financial income75€25€5k▲
Non-recurring financial income76B€2k-
Financial charges65/66B€312€2k▲
Recurring financial charges65€312€2k▲
Profit (loss) for the period before taxes9903€80k€57k▼
Income taxes67/77€24k€17k▼
Profit (loss) for the period9904€56k€39k▼
Profit (loss) for the period to be appropriated9905€56k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€41k▼
Profit (loss) brought forward from the previous period14P€1k€1k=
Transfer to equity691/2€56k€39k▼
To other reserves6921€56k€39k▼
Social balance
Average headcount (FTE)90871.51.4▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
06-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 340 days late
2024
31-12
Financial
Highest result since 2020net €56k ▲49.7%
Operating result €78k, net result €56k, both a record.
31-12
Financial
Equity above €200kEq €238k ▲30.9%
2 profitable years in a row build equity to €238k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
31-12
Financial
Back to profitnet €37k
Net result €37k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 17.68
Current ratio from 4.06 to 17.68; short-term debt falls from €25k to €9k.
31-12
Financial
Equity above €150kEq €182k ▲26%
Equity rises from €144k to €182k.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-36k ▼183%
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 6.13
Current ratio from 1.91 to 6.13; short-term debt falls from €73k to €23k.
31-12
Financial
Equity above €150kEq €187k ▲30.2%
2 profitable years in a row build equity to €187k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Merelbeke-Melle · 1 establishment unit since 2013
Ground area
1,521 m²
Building footprint
144 m²
Volume, LiDAR
583 m³
Parcel 44010A0206/00G002, Flanders · tallest building 7.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Propel
since 20132.217.128.208
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44010A0206/00G002 | Flanders | 1,521 m² | 1 · 143 m² | 7.7 m · 1 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.
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Of 82,127 companies in sector 70200 we hold annual accounts for 52,337. 39,334 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-01-2013
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
85699Other educational support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.