Summary
The Collective Group is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €160k and a net result of €52k. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 20% of 5547 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 18-05-2026, 74 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
74 d early
2024
51 d early
2023
27 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€160k▲ 48.6%
2024 · €108k
2023: €137k
2024: €108k▼ -21.2% vs 2023lowest in 3 years
2025: €160k▲ +48.6% vs 2024highest in 3 years
2023 → 2025
Net result
€52k
2024 · €-29k
2023: €62khighest in 3 years
2024: €-29k▼ -147% vs 2023lowest in 3 years
2025: €52k▲ +281% vs 2024
2023 → 2025
Total assets
€890k▼ 4.4%
2024 · €931k
2023: €998khighest in 3 years
2024: €931k▼ -6.7% vs 2023
2025: €890k▼ -4.4% vs 2024lowest in 3 years
2023 → 2025
Solvency
18.0%▲ 6.4pp
2024 · 11.6%
2023: 13.7%
2024: 11.6%▼ -15.5% vs 2023lowest in 3 years
2025: 18.0%▲ +55.5% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€137k-€108k▼ 21.2%€160k▲ 48.6%
2023: €137k
2024: €108k▼ -21.2% vs 2023lowest in 3 years
2025: €160k▲ +48.6% vs 2024highest in 3 years
Operating result€125k-€10k▼ 91.9%€72k▲ 611%
2023: €125khighest in 3 years
2024: €10k▼ -91.9% vs 2023lowest in 3 years
2025: €72k▲ +611% vs 2024
Net result€62k-€-29k€52k
2023: €62khighest in 3 years
2024: €-29k▼ -147% vs 2023lowest in 3 years
2025: €52k▲ +281% vs 2024
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 611% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €890k
Fixed assets
€820k ▼ 1.0%
Current assets
€70k ▼ 31.7%
Equity and liabilities €890k
Equity
€160k ▲ 48.6%
Debt
€730k ▼ 11.4%
Debt's share of the balance-sheet total falls from 88.4% to 82.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
32.7%▲
2024 · -26.8%
ROA
5.9%▲
2024 · -3.1%
Debt ≤ 1 year
€115k▼
2024 · €169k
Debt > 1 year
€615k=
2024 · €615k
Income taxes
€18k▲
2024 · €50
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€931k€890k▼
Fixed assets21/28€829k€820k▼
Tangible fixed assets22/27€9k€0▼
Furniture and vehicles24€9k€0▼
Financial fixed assets28€820k€820k=
Current assets29/58€103k€70k▼
Amounts receivable within one year40/41€80k€61k▼
Trade receivables40€63k€61k▼
Other amounts receivable41€17k€0▼
Cash at bank and in hand54/58€22k€8k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€931k€890k▼
Equity10/15€108k€160k▲
Contributions10/11€75k€75k=
Reserves13€33k€85k▲
Distributable reserves133€33k€85k▲
Amounts payable17/49€823k€730k▼
Amounts payable after more than one year17€615k€615k=
Other amounts payable178/9€615k€615k=
Amounts payable within one year42/48€169k€115k▼
Trade debts44€134k€95k▼
Suppliers440/4€134k€95k▼
Taxes, remuneration and social security45€61€20k▲
Taxes450/3€61€20k▲
Other amounts payable47/48€35k€0▼
Accrued charges and deferred income492/3€39k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€0▼
Other operating charges640/8€983€1k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€13k€75k▲
Operating profit (loss)9901€10k€72k▲
Financial income75/76B€307€0▼
Recurring financial income75€307€0▼
Financial charges65/66B€39k€2k▼
Recurring financial charges65€39k€2k▼
Profit (loss) for the period before taxes9903€-29k€70k▲
Income taxes67/77€50€18k▲
Profit (loss) for the period9904€-29k€52k▲
Profit (loss) for the period to be appropriated9905€-29k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-29k€52k▲
Transfer from equity791/2€29k€0▼
Transfer to equity691/2€0€52k▲
To other reserves6921€0€52k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €151 | €2k | €0 | ▼ 100% |
| Other operating charges640/8 | €782 | €983 | €1k | ▲ 38.8% |
| Non-recurring operating charges66A | - | - | €2k | - |
| Gross operating margin9900 | €125k | €13k | €75k | ▲ 463% |
| Operating profit (loss)9901 | €125k | €10k | €72k | ▲ 611% |
| Financial income75/76B | €0 | €307 | €0 | ▼ 100% |
| Recurring financial income75 | €0 | €307 | €0 | ▼ 100% |
| Financial charges65/66B | €39k | €39k | €2k | ▼ 96.1% |
| Recurring financial charges65 | €39k | €39k | €2k | ▼ 96.1% |
| Profit (loss) for the period before taxes9903 | €86k | €-29k | €70k | ▲ 343% |
| Income taxes67/77 | €24k | €50 | €18k | ▲ 35,414% |
| Profit (loss) for the period9904 | €62k | €-29k | €52k | ▲ 281% |
| Profit (loss) for the period to be appropriated9905 | €62k | €-29k | €52k | ▲ 281% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €998k | €931k | €890k | ▼ 4.4% |
| Fixed assets21/28 | €831k | €829k | €820k | ▼ 1.0% |
| Tangible fixed assets22/27 | €11k | €9k | €0 | ▼ 100% |
| Furniture and vehicles24 | €11k | €9k | €0 | ▼ 100% |
| Financial fixed assets28 | €820k | €820k | €820k | = |
| Current assets29/58 | €167k | €103k | €70k | ▼ 31.7% |
| Amounts receivable within one year40/41 | €145k | €80k | €61k | ▼ 24.0% |
| Trade receivables40 | €145k | €63k | €61k | ▼ 3.3% |
| Other amounts receivable41 | €57 | €17k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €21k | €22k | €8k | ▼ 63.6% |
| Deferred charges and accrued income490/1 | €1k | €1k | €2k | ▲ 27.1% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €998k | €931k | €890k | ▼ 4.4% |
| Equity10/15 | €137k | €108k | €160k | ▲ 48.6% |
| Contributions10/11 | €75k | €75k | €75k | = |
| Reserves13 | €62k | €33k | €85k | ▲ 160% |
| Distributable reserves133 | €62k | €33k | €85k | ▲ 160% |
| Amounts payable17/49 | €861k | €823k | €730k | ▼ 11.4% |
| Amounts payable after more than one year17 | €650k | €615k | €615k | = |
| Other amounts payable178/9 | €650k | €615k | €615k | = |
| Amounts payable within one year42/48 | €188k | €169k | €115k | ▼ 32.1% |
| Trade debts44 | €127k | €134k | €95k | ▼ 29.2% |
| Suppliers440/4 | €127k | €134k | €95k | ▼ 29.2% |
| Taxes, remuneration and social security45 | €26k | €61 | €20k | ▲ 32,279% |
| Taxes450/3 | €26k | €61 | €20k | ▲ 32,279% |
| Other amounts payable47/48 | €35k | €35k | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €23k | €39k | €0 | ▼ 100% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €62k | €-29k | €52k | ▲ 281% |
| + Depreciation and write-downs630 | €151 | €2k | €0 | ▼ 100% |
| Operating cash flow (approximation) | €62k | €-27k | €52k | ▲ 296% |
| Investment in fixed assets (approximation) | - | €0 | €9k | - |
| Change in cash | - | €906 | €-14k | ▼ 1,617% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-09
State Gazette act
Resignations: SOJO BV (bestuurder) and VH CONSULTING & TRAINING BV (bestuurder)Appointments: SOJO BV, HSKNS COMMV and VH CONSULTING & TRAINING BV8 facts ▸
State Gazette act
Resignations: SOJO BV (bestuurder) and VH CONSULTING & TRAINING BV (bestuurder)
Appointments: SOJO BV, HSKNS COMMV and VH CONSULTING & TRAINING BV8 facts ▸
- General meeting, 24-06-2026
- Director resignation, SOJO BV ((dagelijks) bestuurder)
- Director resignation, VH CONSULTING & TRAINING BV ((dagelijks) bestuurder)
- Director appointment, SOJO BV (director)
- Director appointment, HSKNS COMMV (director)
- Board meeting, 24-06-2026
- Director appointment, VH CONSULTING & TRAINING BV (day-to-day manager)
- Director appointment, SOJO BV (managing director)
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €52k
Net result €52k after one loss-making year.
31-12
Financial
Equity above €150kEq €160k ▲48.6%
Equity rises from €108k to €160k.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
under verification, last change in 2026
This board is reconstructed from a single act (26117456). 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.
HSKNS
CurrentDirector · since 24-06-2026 · Limited partnership
SoJo
CurrentDirector · since 24-06-2026 · Private limited company
VH Consulting & Training
CurrentDay-to-day manager · since 24-06-2026 · Private limited company
24-06-2026
HSKNS: Appointed as Director
24-06-2026
SoJo: Resigned as (dagelijks) bestuurder
24-06-2026
SoJo: Appointed as Director
24-06-2026
SoJo: Appointed as Managing director
24-06-2026
VH Consulting & Training: Resigned as (dagelijks) bestuurder
Not every act has been read: a resignation may be missing here
3 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Zele · 1 establishment unit since 2022
Ground area
4,529 m²
Building footprint
1,304 m²
Volume, LiDAR
17,124 m³
Parcel 42028B0738/00B000, Flanders · tallest building 31.6 m, ±4 floors. Linked by address, not a title deed.
9
companies at this address
See who is registered here
1 establishment unit
The Collective Group
since 20222.343.576.517
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42028B0738/00B000 | Flanders | 4,529 m² | 1 · 1,304 m² | 31.6 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Articles of association
Other provisions of the articles (8)
- Other provision: Louis Hoet
- Other provision: Silke Chantrain
- Other provision: Thibaud De Bie
- Other provision: Otto Pieters
- Other provision: Fleur Dufour
- Other provision: Argo Law BV
- Other provision: Ad-Ministerie BV
- 1 more provision in the deed
Structure & network
Connections & network
6 connected companiesThis company
Company
Director
Shareholding
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 13,333 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68321Property management for co-owned buildings (syndics)
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.