Display Magento sub categories

 $currentCat = Mage::registry('current_category');

    if ( $currentCat->getParentId() == Mage::app()->getStore()->getRootCategoryId() )
    {
        // current category is a toplevel category
        $loadCategory = $currentCat;
    }
    else
    {
        // current category is a sub-(or subsub-, etc...)category of a toplevel category
        // load the parent category of the current category
        $loadCategory = Mage::getModel('catalog/category')->load($currentCat->getParentId());
    }
    $subCategories = explode(',', $loadCategory->getChildren());

    foreach ( $subCategories as $subCategoryId )
    {
        $cat = Mage::getModel('catalog/category')->load($subCategoryId);

        if($cat->getIsActive())
        {


            echo $cat->getURL().$cat->getName();
            echo $cat->getDescription();
            echo $cat->getImage();
       }
    }