People Coach
ActiveThe annual accounts of People Coach for fiscal year 2025 show a net loss of 67% of total assets. The 2025 annual accounts show equity of €58k and a net result of €-46k. Equity is shrinking by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 85% of 2035 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 5.14 against 16.41 in 2024; short-term debt: 15.7% and cash: 24.6% of total assets), and 15.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 →
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
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
84.3%
Return on assets
-67.2%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-46k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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 filingsDeviation from the deadline
2025
18 d late
2024
29 d late
2023
9 d early
2022
11 d early
2021
30 d late
2020
40 d late
2019
39 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▼ 44.4%
2024 · €104k
2018: €133k
2019: €137k
2020: €139k
2021: €144k
2022: €146k
2023: €134k
2024: €104k
2018 → 2025
Total assets
€69k▼ 37.3%
2024 · €110k
2018: €183k
2019: €208k
2020: €149k
2021: €170k
2022: €159k
2023: €137k
2024: €110k
2018 → 2025
Net result
€-46k▼ 54.6%
2024 · €-30k
2018: €67k
2019: €25k
2020: €2k
2021: €5k
2022: €2k
2023: €-12k
2024: €-30k
2018 → 2025
Working capital
€45k▼ 46.8%
2024 · €84k
2018: €126k
2019: €133k
2020: €138k
2021: €143k
2022: €146k
2023: €131k
2024: €84k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€144k-€146k▲ 1.6%€134k▼ 8.1%€104k▼ 22.3%€58k▼ 44.4%
Operating result€10k-€12k▲ 19.7%€-7k€-29k▼ 341%€-45k▼ 56.6%
Net result€5k-€2k▼ 52.7%€-12k€-30k▼ 154%€-46k▼ 54.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €45k in 2025 against €29k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €69k
Fixed assets
€13k▼ 34.2%
Current assets
€55k▼ 38.0%
Equity and liabilities €69k
Equity
€58k▼ 44.4%
Debt
€11k▲ 98.1%
The debt ratio rises from 5.0% to 15.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-38k▼
2024 · €-26k
Cash flow
€-39k▼
2024 · €-27k
Solvency
84.3%▼
2024 · 95.0%
Current ratio
5.14▼
2024 · 16.41
Quick ratio
5.14▼
2024 · 16.41
Debt / equity
0.19▲
2024 · 0.05
ROE
-79.7%▼
2024 · -28.7%
ROA
-67.2%▼
2024 · -27.3%
Interest coverage
-79.24▼
2024 · -44.04
Debt
€11k▲
2024 · €5k
Debt ≤ 1 year
€11k▲
2024 · €5k
Income taxes
€390▲
2024 · €376
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€110k€69k▼
Fixed assets21/28€20k€13k▼
Tangible fixed assets22/27€20k€13k▼
Furniture and vehicles24€18k€11k▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€89k€55k▼
Amounts receivable after more than one year29€40k€20k▼
Other amounts receivable291€40k€20k▼
Amounts receivable within one year40/41€16k€16k▲
Trade receivables40€7k€12k▲
Other amounts receivable41€9k€4k▼
Cash at bank and in hand54/58€31k€17k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€110k€69k▼
Equity10/15€104k€58k▼
Contributions10/11€6k€6k=
Reserves13€117k€117k=
Distributable reserves133€117k€117k=
Profit (loss) carried forward14€-18k€-65k▼
Amounts payable17/49€5k€11k▲
Amounts payable within one year42/48€5k€11k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€2k€7k▲
Taxes450/3€2k€4k▲
Remuneration and social security454/9-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€7k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€-25k€-37k▼
Operating profit (loss)9901€-29k€-45k▼
Financial income75/76B€36€1▼
Recurring financial income75€36€1▼
Financial charges65/66B€601€485▼
Recurring financial charges65€601€485▼
Profit (loss) for the period before taxes9903€-30k€-46k▼
Income taxes67/77€376€390▲
Profit (loss) for the period9904€-30k€-46k▼
Profit (loss) for the period to be appropriated9905€-30k€-46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-30k€-65k▼
Profit (loss) brought forward from the previous period14P-€-18k
Transfer from equity791/2€11k-
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
Next filing, fiscal year 2026, expected by
2026
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Weakest financial yearnet €-46k
Net result drops to €-46k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 43.95
Current ratio from 12.25 to 43.95; short-term debt falls from €13k to €3k.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
09-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 40 days late
2020
31-12
Financial
Liquidity times 5current ratio 14.21
Current ratio from 2.89 to 14.21; short-term debt falls from €71k to €10k.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Laakdal · 1 establishment unit since 2007
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.
Blaardonk 22431 LaakdalGround area
5,205 m²
Building footprint
480 m²
Volume, LiDAR
3,290 m³
2 parcels, Flanders · tallest building 12.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
People Coach
since 20072.164.746.723
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13008H1440/00C000indicative | Flanders | 3,692 m² | 1 · 216 m² | 12.2 m · 2 fl. |
| 13041A0085/00C000 | Flanders | 1,513 m² | 1 · 264 m² | 10.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 888 EUR awarded · 888 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 690 EUR | 690 EUR |
| 2022 | 1 | 198 EUR | 198 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Quality registration as a provider
1 live approvalQuality registration as a provider
Similar companies · same sector, comparable size
Cyberwayfinder
BE 0836.100.309
Hoeilaart · Eq €58k
GUILLAUME-VAN TULDER
BE 0537.689.707
Elsene · Eq €58k
COMMA CONSULTING
BE 0563.999.372
Rumst · Eq €58k
Hands-on Hero
BE 1012.472.736
Genk · Eq €58k
JBOKS TRAININGEN
BE 0872.404.637
Turnhout · Eq €57k
Of 11,670 companies in sector 85599 we hold annual accounts for 1,329. 1,025 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-08-2007
Fiscal year end31-12
Activities, NACEBEL
80424
85599Other education
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.