Nursing & Coaching

Active

Private limited companyfounded 200818 yrs activeMeredorp 22, 9420 Erpe-Mere, BelgiumKBO/BCE: BE 0897.435.783

Nursing & Coaching has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €356k and a net result of €37k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 90% of 2541 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).

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Checked score

Score 2024

100 / 100

Excellent= vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability52▲+1

Solvency100=

Growth52=

Stability100

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 5.66 against 3.8 in 2023), and 9.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk○neutral

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 →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

90.3%

Return on assets

9.3%

Age of the figures

20 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 10 filings

Deviation from the deadline

2025

not confirmed

2024

61 d late

2023

100 d late

2022

92 d late

2021

86 d late

2020

31 d late

2019

92 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€356k▲ 11.2%

2023 · €320k

2021: €256k 2022: €288k 2023: €320k

2021 → 2024

Total assets

€395k▼ 2.6%

2023 · €405k

2021: €462k 2022: €422k 2023: €405k

2021 → 2024

Net result

€37k▲ 13.1%

2023 · €33k

2021: €63k 2022: €32k 2023: €33k

2021 → 2024

Working capital

€158k▲ 13.2%

2023 · €140k

2021: €68k 2022: €91k 2023: €140k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€256k-€288k▲ 12.3%€320k▲ 11.3%€356k▲ 11.2%

Operating result€103k-€54k▼ 47.9%€56k▲ 5.3%€62k▲ 9.3%

Net result€63k-€32k▼ 48.8%€33k▲ 0.4%€37k▲ 13.1%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed two years in a row; 2024 is 9% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €395k

51.3%

48.7%

Fixed assets €203k▼ 6.1%

Current assets €192k▲ 1.3%

Equity and liabilities €395k

90.3%

10%

Equity €356k▲ 11.2%

Debt €38k▼ 54.8%

The debt ratio falls from 21.0% to 9.7%: equity grows while debt is paid down.

Key figures and ratios

2024 value · change against 2023

EBITDA

€75k▼

2023 · €77k

Cash flow

€50k▼

2023 · €53k

Solvency

90.3%▲

2023 · 79.0%

Current ratio

5.66▲

2023 · 3.80

Quick ratio

5.66▲

2023 · 3.80

Debt / equity

0.11▼

2023 · 0.27

ROE

10.3%▲

2023 · 10.2%

ROA

9.3%▲

2023 · 8.0%

Interest coverage

22.55▲

2023 · 17.25

Debt

€38k▼

2023 · €85k

Debt ≤ 1 year

€34k▼

2023 · €50k

Debt > 1 year

€0▼

2023 · €23k

Income taxes

€21k▲

2023 · €19k

Staff costs

€142k▲

2023 · €121k

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 · 2024 against 2023

Balance sheet Code20232024

Total assets 20/58€405k€395k▼

Fixed assets 21/28€216k€203k▼

Tangible fixed assets 22/27€216k€203k▼

Current assets 29/58€190k€192k▲

Amounts receivable within one year 40/41€10k€4k▼

Cash & bank 54/58€134k€158k▲

Total equity & liabilities 10/49€405k€395k▼

Equity 10/15€320k€356k▲

Contributions / capital 10/11€12k€12k=

Reserves 13€308k€344k▲

Accumulated profits (losses) 14€0€0=

Amounts payable 17/49€85k€38k▼

Amounts payable after one year 17€23k€0▼

Amounts payable within one year 42/48€50k€34k▼

Trade debts payable within one year 44€693€1k▲

Income statement Code20232024

Gross operating margin 9900€200k€218k▲

Operating result 9901€56k€62k▲

Financial income 75€4€0▼

Financial charges 65€4k€3k▼

Result before taxes 9903€52k€58k▲

Income taxes 67/77€19k€21k▲

Net result for the period 9904€33k€37k▲

Result to be appropriated 9905€33k€37k▲

Timeline · acts, filings and financial milestones

All 11Financial 1Filings 10

2025

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

2024

08-11

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 100 days late

2023

31-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 92 days late

2022

31-12

Financial Weakest financial yearnet €32k ▼48.8%

Net result drops to €32k, the lowest in the series; recovery starts the following year.

25-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 86 days late

2021

31-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 31 days late

2020

31-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 92 days late

2019

31-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 31 days late

2018

28-09

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 59 days late

2017

11-10

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 72 days late

2016

31-08

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema · 31 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Comparable companies · same sector, comparable size

Similar companies · same sector, comparable size

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Of 946 companies in sector 85699 we hold annual accounts for 146. 95 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded22-04-2008

Fiscal year end31-12

Activities, NACEBEL

85699Other educational support services

86906Human health activities

86940Nursing and midwifery

Sources

Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers

Data from official sources, last processed on 26-08-2026. Scores and ratios are computed by Checked and are not a credit decision.