Financials
- Financial year
- 2025
- Total assets
- €358,253
- Loss
- -€51,591
- Solvency
- 13.5%
BYHAGYM
ActiveSummary
BYHAGYM has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48,409 and a net result of -€51,591. Its solvency ranks better than 26% of 2,538 sector peers (NACE 85, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
Activity
Sports and recreation education
NACE 85510
1 site
Size
€358,253total assets 2025
- Equity
- €48,409
- Loss
- -€51,591
Turnover not published (micro format)
Structure
Accounts filed 60 days late
Why 79raises riskLatest accounts 60 days late; 1 of the last 3 lateLoss of €51,591 (financial year 2025)lowers riskSector: Education (NACE 85)Size: total assets €358,253Show the evidence
Checked score
Score 2025
79
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 20% of its sector peers (NACE 85, micro)
Financial strength
Weak
Solvency
39
equity 13.5% of total assets
Liquidity
41
short-term debt 42.0% · cash 8.8%
Profitability
1
return on assets -14.4%
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
08-2026: 0.4%lowest value
09-2026: 0.4%● unchanged vs 08-2026
10-2026: 0.4%● unchanged vs 09-2026highest value
Credit of up to €3,500 on 30-day terms is acceptable
Liquidity tight (current ratio 1.2, below the usual 1.5; short-term debt: 42% and cash: 8.8% of total assets), and 86.5% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 85, micro): better than 25% on solvency, 22% on liquidity and 13% on profitability.
The bankruptcy probability was computed on 12-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2025, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-09-2026, 60 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
60 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointment: AIT BAYAHYA Sophian Raymond…
Key points
By topic
Timeline
- Events
- 2
- Since
- 2025
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Sports and recreation educationNACE 85510
- Founded
- 15-07-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 40
- Who signs
- Each director alone
- Purpose
- “Toutes activités d’encadrement, de services de coaching et de conseils en direction de…” (deed in French)
- Statutory auditor
- No statutory auditor
Go further with this company
How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark Roughly what is this company worth?Value indication
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.