Financials
- Financial year
- 2025
- Total assets
- €28,639
- Profit
- €4,463
- Solvency
- 10.7%
Total assets▲ 48.6%
Net result
20242025
Kalem Training
ActiveSummary
Kalem Training has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3,072 and a net result of €4,463. Its solvency ranks better than 24% of 2,552 sector peers (NACE 85, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Driving schools for cars and motorcycles
NACE 85531
1 site
Size
€28,639total assets 2025
- Equity
- €3,072
- Profit
- €4,463
Turnover not published (micro format)
Structure
Accounts 51 days early1 of 2 deeds read
Why 88raises risk1 change of registered office in 24 monthslowers riskSector: Education (NACE 85)Liquidity: current ratio 0.31, cash €7,031Size: total assets €28,639Show the evidence
Checked score
Score 2025
88
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 52% of its sector peers (NACE 85, micro)
Financial strength · tick = 2024
Average
Solvency
36+10
equity 10.7% of total assets
Liquidity
31-19
short-term debt 89.3% · cash 24.5%
Profitability
88+73
return on assets 15.6%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
06-2025: 0.4%highest value
07-2025: 0.1%▼ -0.3 percentage points vs 06-2025lowest value
08-2025: 0.1%● unchanged vs 07-2025lowest value
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.2%▲ +0.1 percentage points vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.3%▲ +0.1 percentage points vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.2%▼ -0.1 percentage points vs 06-2026
08-2026: 0.2%● unchanged vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
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 23% on solvency, 16% on liquidity, 71% on profitability and 99% on growth.
The bankruptcy probability was computed on 08-10-2026 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).
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Signals
Seven signals.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 2552 sector peers (2025).
NBB · sector comparisonPosition among 2552 sector peers
Solvency
better than 24%
← weakest
strongest →
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 10-06-2026, 51 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
51 days early
2024
55 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 53 days before the deadline; the sector median (NACE 85) for financial year 2024 is 16 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
09-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Back to profitnet €4,463
- Resignations: CELI (director) and INVESTHO (director)Permanent representatives: LINDEN Cédric and…
Key points
By topic
Timeline
- Events
- 4
- Since
- 2025
- Next accounts
- by 31-07-2027
- 06-06-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Driving schools for cars and motorcyclesNACE 85531
- Founded
- 14-05-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 4
- Who signs
- Each director alone
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