B.H - Personal Training
ActiveB.H - Personal Training has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €3k. Equity is growing by ~26.8% per year across the filed fiscal years. Its solvency ranks better than 31% of 2025 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability66▼-34
Solvency12▲+1
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.5 against 0.14 in 2024), and 81.4% 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
18.6%
Return on assets
2.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 3 filingsDeviation from the deadline
2025
3 d late
2024
29 d late
2023
30 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▲ 15.3%
2024 · €18k
2023: €11k
2024: €18k
2023 → 2025
Total assets
€113k▼ 1.9%
2024 · €116k
2023: €139k
2024: €116k
2023 → 2025
Net result
€3k▼ 60.2%
2024 · €7k
2023: €6k
2024: €7k
2023 → 2025
Working capital
€-12k▲ 31.7%
2024 · €-17k
2023: €-27k
2024: €-17k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€11k-€18k▲ 62.1%€21k▲ 15.3%
Operating result€10k-€13k▲ 27.5%€8k▼ 39.6%
Net result€6k-€7k▲ 11.6%€3k▼ 60.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €113k
Fixed assets
€101k▼ 10.0%
Current assets
€12k▲ 328%
Equity and liabilities €113k
Equity
€21k▲ 15.3%
Debt
€92k▼ 5.1%
The debt ratio falls from 84.2% to 81.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€19k▼
2024 · €24k
Cash flow
€14k▼
2024 · €18k
Solvency
18.6%▲
2024 · 15.8%
Current ratio
0.50▲
2024 · 0.14
Quick ratio
0.50▲
2024 · 0.14
Debt / equity
4.38▼
2024 · 5.32
ROE
13.2%▼
2024 · 38.3%
ROA
2.5%▼
2024 · 6.1%
Interest coverage
5.77▼
2024 · 6.75
Debt
€92k▼
2024 · €97k
Debt ≤ 1 year
€24k▲
2024 · €20k
Debt > 1 year
€68k▼
2024 · €77k
Income taxes
€2k▼
2024 · €2k
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€116k€113k▼
Formation expenses20€1k€747▼
Fixed assets21/28€112k€101k▼
Tangible fixed assets22/27€112k€101k▼
Land and buildings22€80k€77k▼
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€2k€1k▼
Leasing and similar rights25€16k€12k▼
Other tangible fixed assets26€4k€3k▼
Current assets29/58€3k€12k▲
Amounts receivable within one year40/41€226€686▲
Trade receivables40€182€388▲
Other amounts receivable41€44€298▲
Cash at bank and in hand54/58€2k€11k▲
Deferred charges and accrued income490/1€373€733▲
Equity and liabilities
Total equity and liabilities10/49€116k€113k▼
Equity10/15€18k€21k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€13k€16k▲
Amounts payable17/49€97k€92k▼
Amounts payable after more than one year17€77k€68k▼
Financial debts170/4€77k€68k▼
Amounts payable within one year42/48€20k€24k▲
Current portion of amounts payable after more than one year42€8k€9k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48€7k€12k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k=
Other operating charges640/8€1k€1k▼
Gross operating margin9900€26k€21k▼
Operating profit (loss)9901€13k€8k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€9k€4k▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€7k€3k▼
Profit (loss) for the period to be appropriated9905€7k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€16k▲
Profit (loss) brought forward from the previous period14P€6k€13k▲
The notes to these accounts (5 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
31-12
Financial
Weakest financial yearnet €3k ▼60.2%
Net result drops to €3k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2023net €7k ▲11.6%
Operating result €13k, net result €7k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sainte-Ode · 1 establishment unit since 2023
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 de Le Jardin 186680 Sainte-OdeGround area
507 m²
Building footprint
392 m²
Volume, LiDAR
5,965 m³
Parcel 82302B0208/00C000, Wallonia · tallest building 17.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
B.H - Personal Training
since 20232.343.696.875
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82302B0208/00C000 | Wallonia | 507 m² | 1 · 392 m² | 17.7 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 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 13,474 companies in sector 85510 we hold annual accounts for 714. 587 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-03-2023
Fiscal year end31-12
Activities, NACEBEL
85510Sports and recreation education
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:bhpersonaltraining@outlook.com
Phone:+32479839731