KY TRAINING & SERVICES
ActiveSummary
KY TRAINING & SERVICES has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €28k. Equity is growing by ~27.4% per year across the filed fiscal years. Its solvency ranks better than 27% of 2043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+85
Solvency38▲+9
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.32 against 0.54 in 2024; short-term debt: 86.6% and cash: 6.8% of total assets), and 86.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
13.4%
Return on assets
19.2%
Age of the figures
9 mo
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 21-07-2026, 10 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
10 d early
2024
7 d early
2023
31 d late
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▲ 350%
2024 · €4k
2023: €13k
2024: €4k
2023 → 2025
Total assets
€148k▲ 50.8%
2024 · €98k
2023: €23k
2024: €98k
2023 → 2025
Net result
€28k
2024 · €-8k
2023: €-2k
2024: €-8k
2023 → 2025
Working capital
€-86k▼ 99.5%
2024 · €-43k
2023: €4k
2024: €-43k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€13k-€4k▼ 65.6%€20k▲ 350%
Operating result€-2k-€-8k▼ 272%€30k
Net result€-2k-€-8k▼ 273%€28k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €30k after a loss of €8k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €148k
Fixed assets
€106k ▲ 123%
Current assets
€41k ▼ 17.4%
Equity and liabilities €148k
Equity
€20k ▲ 350%
Debt
€128k ▲ 36.8%
Debt's share of the balance-sheet total falls from 95.5% to 86.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€46k▲
2024 · €-5k
Cash flow
€44k▲
2024 · €-5k
Current ratio
0.32▼
2024 · 0.54
Debt to equity
6.47▼
2024 · 21.27
ROE
143.6%▲
2024 · -190.5%
ROA
19.2%▲
2024 · -8.6%
Interest coverage
23.67▲
2024 · -73.09
Debt ≤ 1 year
€128k▲
2024 · €93k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€98k€148k▲
Fixed assets21/28€48k€106k▲
Intangible fixed assets21-€55k
Tangible fixed assets22/27€48k€51k▲
Furniture and vehicles24€48k€51k▲
Current assets29/58€50k€41k▼
Amounts receivable within one year40/41€38k€15k▼
Trade receivables40€23k€11k▼
Other amounts receivable41€15k€3k▼
Cash at bank and in hand54/58€6k€10k▲
Deferred charges and accrued income490/1€6k€17k▲
Equity and liabilities
Total equity and liabilities10/49€98k€148k▲
Equity10/15€4k€20k▲
Contributions10/11€15k€15k=
Profit (loss) carried forward14€-11k€5k▲
Amounts payable17/49€93k€128k▲
Amounts payable within one year42/48€93k€128k▲
Trade debts44€25k€2k▼
Suppliers440/4€25k€2k▼
Taxes, remuneration and social security45-€5k
Remuneration and social security454/9-€5k
Other amounts payable47/48€69k€121k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€16k▲
Other operating charges640/8€3k€5k▲
Non-recurring operating charges66A€14k€6k▼
Gross operating margin9900€13k€57k▲
Operating profit (loss)9901€-8k€30k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€62€2k▲
Recurring financial charges65€62€2k▲
Profit (loss) for the period before taxes9903€-8k€28k▲
Profit (loss) for the period9904€-8k€28k▲
Profit (loss) for the period to be appropriated9905€-8k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€18k▲
Profit (loss) brought forward from the previous period14P€-2k€-11k▼
Profit to be distributed694/7-€13k
Directors or managers695-€13k
The notes to these accounts (9 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
04-09
State Gazette act
Resignation: Mohammed Ettayebi (director)Appointments: Sabri Gharbi (director) and Mohamed Arrass (director) · Mandate compensation · Share transfer9 facts ▸
State Gazette act
Resignation: Mohammed Ettayebi (director)
Appointments: Sabri Gharbi (director) and Mohamed Arrass (director) · Mandate compensation · Share transfer9 facts ▸
- General meeting, 27-08-2026
- Director resignation, Mohammed Ettayebi (director)
- Director appointment, Sabri Gharbi (director)
- Mandate compensation, Sabri Gharbi
- Director appointment, Mohamed Arrass (director)
- Mandate compensation, Mohamed Arrass
- Share transfer, Mohammed Ettayebi → Kadi Yassine
- Share transfer, Kadi Yassine → Sabri Gharbi
- Share transfer, Kadi Yassine → Mohamed Arrass
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
10-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
Mohamed Arrass
CurrentDirector · since 01-09-2026
Sabri Gharbi
CurrentDirector · since 01-09-2026
01-09-2026
Mohamed Arrass: Appointed as Director
01-09-2026
Sabri Gharbi: Appointed as Director
01-09-2026
Mohammed Ettayebi: Resigned as Director
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2022
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.
Frans Vekemansstraat 1151120 BrusselGround area
342 m²
Building footprint
255 m²
Volume, LiDAR
1,871 m³
Parcel 21819D0191/00Z004, Brussels · tallest building 14.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KY TRAINING & SERVICES
since 20222.337.203.122
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21819D0191/00Z004 | Brussels | 342 m² | 1 · 255 m² | 14.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Capital and shareholders
Shareholders according to the acts
Share transfer
act of 04-09-2026 ↗
- Mohammed Ettayebi to Kadi Yassine 1 share
- Kadi Yassine to Sabri Gharbi 1 share
- Kadi Yassine to Mohamed Arrass 1 share
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
Similar companies · same sector, comparable size
FASTER SOLUTION
BE 1014.473.609
Mons · Eq €19,780
PAPILLONS
BE 1003.627.128
La Hulpe · Eq €19,654
ACTing-ACT
BE 0779.981.849
Gembloux · Eq €19,572
Osteopaat Vlaanderen
BE 0718.695.764
Gent · Eq €19,547
SYGMA-D
BE 0877.938.882
Nivelles · Eq €20,035
Of 3,017 companies in sector 85592 we hold annual accounts for 987. 580 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-10-2022
Fiscal year end31-12
Activities, NACEBEL 2025
49330On-demand passenger transport by chauffeured vehicle
85592Vocational training
49310Scheduled passenger transport by road
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.