Comite Scolaire N-D de Lourdes
ActiveComite Scolaire N-D de Lourdes has been active since 1959 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.98M and a net result of €219k. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 60% of 674 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+26
Solvency100=
Growth61▼-1
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 3.74 against 3.3 in 2024), and 34.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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
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
65.6%
Return on assets
2.9%
Age of the figures
8 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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
7 d early
2023
26 d early
2022
24 d late
2021
31 d late
2020
26 d early
2019
105 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€715k▼ 8.5%
2024 · €782k
2018: €802k
2019: €800k
2020: €495k
2021: €597k
2022: €645k
2023: €799k
2024: €782k
2018 → 2025
EBIT margin
33.8%▲ 27.0pp
2024 · 6.8%
2018: -1.5%
2019: 41.8%
2020: 35.5%
2021: 37.3%
2022: 37.7%
2023: 26.1%
2024: 6.8%
2018 → 2025
Net result
€219k▲ 708%
2024 · €27k
2018: €-55k
2019: €276k
2020: €154k
2021: €222k
2022: €244k
2023: €194k
2024: €27k
2018 → 2025
Working capital
€1.13M▲ 18.3%
2024 · €959k
2018: €861k
2019: €910k
2020: €878k
2021: €283k
2022: €646k
2023: €1.05M
2024: €959k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€597k-€645k▲ 7.9%€799k▲ 24.0%€782k▼ 2.2%€715k▼ 8.5%
Equity€3.07M-€4.14M▲ 34.9%€4.80M▲ 15.9%€4.98M▲ 3.8%€4.98M▲ 0.1%
Operating result€223k-€243k▲ 9.0%€208k▼ 14.3%€53k▼ 74.3%€242k▲ 352%
Net result€222k-€244k▲ 10.0%€194k▼ 20.5%€27k▼ 86.0%€219k▲ 708%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 352% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.60M
Fixed assets
€6.05M▼ 3.4%
Current assets
€1.55M▲ 12.5%
Equity and liabilities €7.60M
Equity
€4.98M▲ 0.1%
Provisions
€0▼ 100%
Debt
€2.61M▲ 1.1%
The debt ratio rises from 33.8% to 34.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€552k▲
2024 · €355k
Cash flow
€530k▲
2024 · €329k
Solvency
65.6%▲
2024 · 65.2%
Current ratio
3.74▲
2024 · 3.30
Quick ratio
3.74▲
2024 · 3.30
Debt / equity
0.52▲
2024 · 0.52
ROE
4.4%▲
2024 · 0.5%
ROA
2.9%▲
2024 · 0.4%
Interest coverage
25.83▲
2024 · 14.16
Debt
€2.61M▲
2024 · €2.58M
Debt ≤ 1 year
€414k▼
2024 · €417k
Debt > 1 year
€2.19M▲
2024 · €2.16M
Staff costs
€7.36M▲
2024 · €7.24M
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€7.64M€7.60M▼
Fixed assets21/28€6.26M€6.05M▼
Tangible fixed assets22/27€6.26M€6.05M▼
Land and buildings22€4.69M€4.54M▼
Furniture and vehicles24€113k€106k▼
Other tangible fixed assets26€1.45M€1.39M▼
Assets under construction and advance payments27-€2k
Financial fixed assets28€3k€3k=
Other financial fixed assets284/8€3k€3k=
Amounts receivable and cash guarantees285/8€3k€3k=
Current assets29/58€1.38M€1.55M▲
Amounts receivable within one year40/41€523k€275k▼
Trade receivables40€148k€145k▼
Other amounts receivable41€375k€130k▼
Cash at bank and in hand54/58€383k€794k▲
Deferred charges and accrued income490/1€470k€480k▲
Equity and liabilities
Total equity and liabilities10/49€7.64M€7.60M▼
Equity10/15€4.98M€4.98M▲
Reserves13€188k€188k=
Profit (loss) carried forward14€2.27M€2.49M▲
Investment grants15€2.52M€2.31M▼
Provisions and deferred taxes16€75k-
Provisions for liabilities and charges160/5€75k-
Other liabilities and charges164/5€75k-
Amounts payable17/49€2.58M€2.61M▲
Amounts payable after more than one year17€2.16M€2.19M▲
Financial debts170/4€2.16M€2.19M▲
Credit institutions173€1.83M€1.88M▲
Other loans174€335k€303k▼
Amounts payable within one year42/48€417k€414k▼
Current portion of amounts payable after more than one year42€110k€121k▲
Trade debts44€116k€94k▼
Suppliers440/4€116k€94k▼
Taxes, remuneration and social security45€57k€66k▲
Remuneration and social security454/9€57k€66k▲
Accrued charges and deferred income492/3€5k€12k▲
Income statement
Code20242025
Operating income70/76A€9.03M€9.03M=
Turnover70€782k€715k▼
Other operating income74€32k€26k▼
Non-recurring operating income76A€15k€17k▲
Operating charges60/66A€8.98M€8.79M▼
Goods for resale, raw materials and consumables60€352k€300k▼
Purchases600/8€352k€300k▼
Services and other goods61€1.01M€855k▼
Remuneration, social security and pensions62€7.24M€7.36M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€301k€310k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€27k€21k▼
Other operating charges640/8€12k€12k▼
Non-recurring operating charges66A€131€7k▲
Operating profit (loss)9901€53k€242k▲
Financial income75/76B€651€455▼
Recurring financial income75€651€455▼
Income from financial fixed assets750€651€455▼
Financial charges65/66B€27k€23k▼
Recurring financial charges65€27k€23k▼
Debt charges650€25k€21k▼
Other financial charges652/9€2k€2k▼
Profit (loss) for the period before taxes9903€27k€219k▲
Profit (loss) for the period9904€27k€219k▲
Profit (loss) for the period to be appropriated9905€27k€219k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.27M€2.49M▲
Profit (loss) brought forward from the previous period14P€2.24M€2.27M▲
Social balance
Average headcount (FTE)908714.415.6▲
The notes to these accounts (52 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
14-08
State Gazette act
Resignations & appointmentsGeneral meeting · Member admission · Director appointment25 facts ▸
State Gazette act
Resignations & appointments
General meeting · Member admission · Director appointment25 facts ▸
- General meeting, 06/07/2026
- Member admission, Iazzag Tahar
- Member admission, Coumont Julie
- Director appointment, Iazzag Tahar (délégué à la gestion journalière)
- Director appointment, Coumont Julie (délégué à la gestion journalière)
- Member resignation, Szyja Yanneck
- Member resignation, Pasteger Jean
- Member resignation, Licata Silvana
- Member resignation, Matheus Laurence
- Member resignation, Beerens Laurence
- Member resignation, Bergers Laetitia
- Member resignation, Ferooz Corine
- +13 further facts in this act
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity triplescurrent ratio 4.56
Current ratio from 1.70 to 4.56; short-term debt falls from €927k to €295k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
13-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 105 days late
2019
31-12
Financial
Back to profitnet €276k
Net result €276k after one loss-making year.
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 16 days late
2018
03-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 64 days late
2017
17-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 78 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2026
This board is reconstructed from a single act (26104771). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Coumont Julie
CurrentDaily management delegate · since 17-08-2026
Bermard De Roover
CurrentChair · since 14-08-2026
BOUHY Marc
CurrentDaily management delegate · since 14-08-2026
Francis Gilain
CurrentDirector · since 14-08-2026
Francis Martiat
CurrentDirector · since 14-08-2026
Isabel Bentin
CurrentSecrétaire · since 14-08-2026
+ 5 not shown in this overview
17-08-2026
Coumont Julie: Appointed as Daily management delegate
14-08-2026
Bermard De Roover: Appointed as Chair
14-08-2026
BOUHY Marc: Appointed as Daily management delegate
14-08-2026
Francis Gilain: Appointed as Director
14-08-2026
Francis Martiat: Appointed as Director
14-08-2026
Isabel Bentin: Appointed as Secrétaire
14-08-2026
Luc Vandersmissen: Appointed as Treasurer
14-08-2026
Michelle POTVIN: Appointed as Director
14-08-2026
Mine Bilge: Appointed as Daily management delegate
14-08-2026
Véronique Van Cutsem: Appointed as Daily management delegate
02-09-2024
DONNEAUX Marie-Noëlle: Resigned as Director
03-06-2024
Iazzag Tahar: Appointed as Daily management delegate
08-07-2023
Gaël FONTESSE: Resigned as Managing director
15-04-2023
François Marc: Resigned as Director
04-10-2021
Florence Bertand: Resigned as Daily management
05-11-2018
Lauwens Joëlle: Resigned as Director
05-03-2018
Wauthy Luc: Resigned as Director
31-08-2016
Van Dongen: Resigned as Manager
11-04-2016
De Ryck Michel: Resigned as Director
11-04-2016
Raitano Fani: Resigned as Manager
16-09-2013
Cardyn Chantal: Resigned as Director
16-09-2013
Debroek Jean-Claude: Resigned as Director
16-09-2013
Dendoncker Jocelyne: Resigned as Director
16-09-2013
Favresse Andrė: Resigned as Director
+ 1 not shown in this overview
Location & real-estate footprint
Registered office, Jette · 6 establishment units 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.
Leopold I straat 3621090 JetteGround area
5,503 m²
Building footprint
1,966 m²
Volume, LiDAR
18,344 m³
5 parcels, Brussels · tallest building 18.4 m, ±5 floors. Linked by address, not a title deed.
6 establishment units
ECOLE FONDAMENTALE LIBRE SUBVENTIONNEE SAINT-MICHEL
since 20072.167.103.427
ECOLE FONDAMENTALE LIBRE SUBVENTIONNEE NOTRE-DAME DE LOURDES
since 20072.167.103.526
ECOLE FONDAMENTALE LIBRE SUBVENTIONNEE PRES VERTS
since 20072.167.103.625
Ecole fondamentale libre Notre-Dame de Lourdes(Primaire ordinaire)
since 20082.224.189.214
Ecole fondamentale libre Notre-Dame de Lourdes (maternel ordinaire)
since 20132.224.301.258
Ecole fondamentale libre Saint- Michel – Cycle 2,5 – 8
since 20142.239.247.077
5 parcels
Brussels
5
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21463D0405/00T002 | Brussels | 2,791 m² | 1 · 1,135 m² | 11.8 m · 3 fl. |
| 21464D0130/00A010 | Brussels | 973 m² | 1 · 554 m² | 18.4 m · 5 fl. |
| 21010A0072/00E000 | Brussels | 933 m² | 1 · 225 m² | 0.7 m |
| 21464D0129/00G007 | Brussels | 754 m² | - | - |
| 21463D0283/00W015indicative | Brussels | 52 m² | 1 · 52 m² | 10.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 4
4 of 5 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Statutory auditor
1 auditor| DGST & Partners Reviseurs d'entreprisesCurrent Auditor · represented by Fabio CRISI | 14-08-2026 → present |
Structure & network
Connections & network
1 connected companyLinked via shared directors
viaBOUHY Marc · Director
former→
Public money · subsidies and aid
Wallonia-Brussels Federation
2021 to 2025 · 384 entries · 5,362,596 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 154 | 1,495,839 EUR |
| 2024 | 92 | 1,986,465 EUR |
| 2023 | 53 | 569,475 EUR |
| 2022 | 83 | 1,198,232 EUR |
| 2021 | 2 | 112,585 EUR |
Budget allocations
Subventions forfaitaires dans le fondamental
Programme prioritaire de travaux PPT
Dépenses de toute nature relatives au soutien du travail des directeurs d'établissements scolaires
Dépenses de toute nature relatives au renforcement de la gratuité scolaire
Subventions forfaitaires - Enseignement de plein exercice
Show 8 more
Dépenses relatives aux moyens complémentaires alloués aux projets des écoles et implantations bénéficiant de l'encadrement différencié
Subventions pour les surveillances de midi dans les établissements fondamental de l'ELS
Financement d’urgence visant à soutenir les secteurs dépendant de la Fédération Wallonie-Bruxelles suite à la crise du coût de l'énergie
Sub. - PV : AES 1
Dépenses de toute nature relative à l'acquisition des manuels scolaires, de logiciels scolaires, d'outils pédagogiques et de livrespour la jeunesse
Subventions forfaitaires
Stratégie numérique pour l'enseignement
Mise en œuvre du PECA
Recognitions · licences · registrations
Food safety, FASFC
1 siteJette2.167.103.427
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Of 605 companies in sector 85204 we hold annual accounts for 183. 146 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded25-04-1959
Fiscal year end31-12
Activities, NACEBEL
85204Subsidised independent mainstream primary education
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.