One2Learn
ActiveSummary
One2Learn has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €-11k. Equity is growing by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 50% of 2043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▼-60
Solvency69▼-17
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.79 against 2.55 in 2024; short-term debt: 55.7% and cash: 76.1% of total assets), but 55.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 2025Solvency, return and age of the figures
Solvency
44.3%
Return on assets
-13.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-06-2026, 55 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
55 d early
2024
38 d early
2023
31 d early
2022
44 d early
2021
28 d early
2020
34 d early
2019
19 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-11k
2024 · €2k
2018: €55
2019: €6k
2020: €20k
2021: €25k
2022: €68k
2023: €14k
2024: €2k
2018 → 2025
Working capital
€34k▼ 46.7%
2024 · €64k
2018: €6k
2019: €12k
2020: €43k
2021: €72k
2022: €64k
2023: €66k
2024: €64k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€69k-€69k=€69k=€65k▼ 6.1%€34k▼ 47.0%
Operating result€38k-€93k▲ 146%€19k▼ 79.4%€5k▼ 75.7%€-8k
Net result€25k-€68k▲ 175%€14k▼ 79.1%€2k▼ 84.5%€-11k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €5k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78k
Fixed assets
€140 ▼ 77.1%
Current assets
€78k ▼ 26.6%
Equity and liabilities €78k
Equity
€34k ▼ 47.0%
Debt
€43k ▲ 4.5%
Debt's share of the balance-sheet total rises from 39.0% to 55.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-8k▼
2024 · €7k
Cash flow
€-10k▼
2024 · €4k
Current ratio
1.79▼
2024 · 2.55
Debt to equity
1.26▲
2024 · 0.64
ROE
-31.1%▼
2024 · 3.4%
ROA
-13.8%▼
2024 · 2.1%
Interest coverage
-2.63▼
2024 · 4.93
Debt ≤ 1 year
€43k▲
2024 · €41k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€106k€78k▼
Fixed assets21/28€610€140▼
Intangible fixed assets21€610€140▼
Current assets29/58€106k€78k▼
Amounts receivable within one year40/41€25k€16k▼
Trade receivables40€15k€9k▼
Other amounts receivable41€10k€7k▼
Current investments50/53€20k-
Cash at bank and in hand54/58€60k€59k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€106k€78k▼
Equity10/15€65k€34k▼
Contributions10/11€19k€19k=
Reserves13€46k€26k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€44k€25k▼
Profit (loss) carried forward14-€-11k
Amounts payable17/49€41k€43k▲
Amounts payable within one year42/48€41k€43k▲
Trade debts44€865€437▼
Suppliers440/4€865€437▼
Taxes, remuneration and social security45€2k€2k=
Taxes450/3€2k€2k=
Other amounts payable47/48€39k€41k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€470▼
Other operating charges640/8-€5k
Gross operating margin9900€7k€-2k▼
Operating profit (loss)9901€5k€-8k▼
Financial income75/76B€604€319▼
Recurring financial income75€604€319▼
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€4k€-11k▼
Income taxes67/77€2k-
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€2k€-11k▼
Transfer from equity791/2€4k€20k▲
Profit to be distributed694/7€6k€20k▲
Return on contributions (dividend)694€6k€20k▲
The notes to these accounts (8 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
06-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-11k ▼590%
Net result drops to €-11k, the lowest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €68k ▲175%
Operating result €93k, net result €68k, both a record.
03-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 6 days late
2018
08-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
21-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Thuin · 1 establishment unit since 2015
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.
Rue d'Anderlues(THN) 1036530 ThuinGround area
755 m²
Building footprint
98 m²
Volume, LiDAR
849 m³
Parcel 56078A0271/00C002, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DBR TRAINING
since 20152.246.326.196
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56078A0271/00C002 | Wallonia | 755 m² | 1 · 98 m² | 10.1 m · 3 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 11,671 companies in sector 85599 we hold annual accounts for 1,329. 990 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
Founded05-10-2015
Fiscal year end31-12
Activities, NACEBEL 2025
85599Other education
47120Other non-specialised retail sale
63100Computing infrastructure, data processing, hosting and related activities
64210Activities of holding companies
90393Specialised image, lighting and sound technical services
90111Literary creation
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:damien@dbr-training.eu
Phone:0498/23.51.76