Padel Club Bayards
ActivePadel Club Bayards has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €196k and a net result of €42k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 36% of 898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▼-29
Solvency42▼-38
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.2 against 1.4 in 2024; short-term debt: 18.5% and cash: 2.9% of total assets), and 82.6% 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
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sector 93
lower
← fewer bankruptcies
more bankruptcies →
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
17.4%
Return on assets
3.7%
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 16-07-2026, 15 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
15 d early
2024
13 d early
2023
30 d late
2022
30 d late
2021
31 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€196k▲ 27.4%
2024 · €154k
2021: €100k
2022: €109k
2023: €142k
2024: €154k
2021 → 2025
Total assets
€1.12M▲ 301%
2024 · €280k
2021: €139k
2022: €182k
2023: €208k
2024: €280k
2021 → 2025
Net result
€42k▲ 277%
2024 · €11k
2021: €20k
2022: €9k
2023: €33k
2024: €11k
2021 → 2025
Working capital
€-166k
2024 · €50k
2021: €96k
2022: €87k
2023: €107k
2024: €50k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€100k-€109k▲ 9.5%€142k▲ 30.4%€154k▲ 7.8%€196k▲ 27.4%
Operating result€25k-€12k▼ 50.6%€42k▲ 239%€17k▼ 58.0%€91k▲ 422%
Net result€20k-€9k▼ 52.1%€33k▲ 252%€11k▼ 66.4%€42k▲ 277%
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 recovers in 2025; 2025 is 422% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.12M
Fixed assets
€1.08M▲ 944%
Current assets
€41k▼ 76.5%
Equity and liabilities €1.12M
Equity
€196k▲ 27.4%
Debt
€927k▲ 635%
The debt ratio rises from 45.1% to 82.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€113k▲
2024 · €27k
Cash flow
€64k▲
2024 · €20k
Solvency
17.4%▼
2024 · 54.9%
Current ratio
0.20▼
2024 · 1.40
Quick ratio
0.18▼
2024 · 1.28
Debt / equity
4.74▲
2024 · 0.82
ROE
21.5%▲
2024 · 7.3%
ROA
3.7%▼
2024 · 4.0%
Interest coverage
2.46▼
2024 · 5.97
Debt
€927k▲
2024 · €126k
Debt ≤ 1 year
€208k▲
2024 · €126k
Debt > 1 year
€719k
Income taxes
€3k▲
2024 · €2k
Staff costs
€23k▲
2024 · €19k
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€280k€1.12M▲
Fixed assets21/28€104k€1.08M▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€104k€182k▲
Land and buildings22€67k€147k▲
Plant, machinery and equipment23€35k€29k▼
Furniture and vehicles24€772€432▼
Assets under construction and advance payments27-€5k
Financial fixed assets28-€900k
Current assets29/58€176k€41k▼
Amounts receivable after more than one year29€100k-
Trade receivables290€100k-
Stocks and contracts in progress3€14k€5k▼
Stocks30/36€14k€5k▼
Amounts receivable within one year40/41€18k€4k▼
Trade receivables40€11k-
Other amounts receivable41€7k€4k▼
Cash at bank and in hand54/58€42k€32k▼
Deferred charges and accrued income490/1€3k€42▼
Equity and liabilities
Total equity and liabilities10/49€280k€1.12M▲
Equity10/15€154k€196k▲
Contributions10/11€80k€80k=
Profit (loss) carried forward14€74k€116k▲
Amounts payable17/49€126k€927k▲
Amounts payable after more than one year17-€719k
Financial debts170/4-€719k
Amounts payable within one year42/48€126k€208k▲
Current portion of amounts payable after more than one year42-€113k
Trade debts44€103k€73k▼
Suppliers440/4€103k€73k▼
Taxes, remuneration and social security45€23k€22k▼
Taxes450/3€16k€18k▲
Remuneration and social security454/9€7k€4k▼
Other amounts payable47/48€12€314▲
Accrued charges and deferred income492/3-€844
Income statement
Code20242025
Remuneration, social security and pensions62€19k€23k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€22k▲
Other operating charges640/8€18k€528▼
Gross operating margin9900€64k€137k▲
Operating profit (loss)9901€17k€91k▲
Financial income75/76B€50€8▼
Recurring financial income75€50€8▼
Financial charges65/66B€4k€46k▲
Recurring financial charges65€4k€46k▲
Profit (loss) for the period before taxes9903€13k€45k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€11k€42k▲
Profit (loss) for the period to be appropriated9905€11k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€74k€116k▲
Profit (loss) brought forward from the previous period14P€62k€74k▲
Social balance
Average headcount (FTE)9087-0.4
The notes to these accounts (12 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2021net €42k ▲277%
Operating result €91k, net result €42k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €154k ▲7.8%
4 profitable years in a row build equity to €154k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €9k ▼52.1%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €109k ▲9.5%
2 profitable years in a row build equity to €109k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 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, Liège · 1 establishment unit since 2021
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 des Bayards 354000 LiègeGround area
3,703 m²
Building footprint
66 m²
Volume, LiDAR
559 m³
Parcel 62810B0245/00Z000, Wallonia · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Padel Club Bayards
since 20212.345.544.429
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62810B0245/00Z000 | Wallonia | 3,703 m² | 1 · 66 m² | 11.9 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLiège2.345.544.429
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Of 3,292 companies in sector 93110 we hold annual accounts for 1,495. 1,119 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2021
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
93110Operation of sports facilities
85510Sports and recreation education
93130Fitness centres
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.