PERSONAL

Active

Private limited companyfounded 20233 yrs activeGeerdegemdries 27H, 2800 Mechelen, BelgiumKBO/BCE: BE 0803.484.256

PERSONAL has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-50k) and a net result of €-59k. Its solvency ranks better than 20% of 2268 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).

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Checked score

Score 2025

29 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-75

Solvency10▼-18

Growth32

Track record94

Bankruptcy probability, 12 months

1.1% Low

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.71 against 0.93 in 2024; short-term debt: 74.9% and cash: 1.4% of total assets), and equity is negative.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

-15.3%

Return on assets

-17.8%

Age of the figures

9 mo

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

2425

2024 to 2025 · latest year €-50k

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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 · 2 filings

Deviation from the deadline

2025

11 d late

2024

61 d late

← before the deadline after the deadline →

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 months

Position in the running window

17-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Source amounts without an identifiable currency are assumed to be EUR.

Equity

€-50k

2024 · €8k

2024: €8k

2024 → 2025

Total assets

€330k▲ 6.4%

2024 · €310k

2024: €310k

2024 → 2025

Net result

€-59k

2024 · €27k

2024: €27k

2024 → 2025

Working capital

€-71k▼ 694%

2024 · €-9k

2024: €-9k

2024 → 2025

Multi-year overview

Available amounts per fiscal year

Line20242025Trend

Equity€8k-€-50k

Operating result€42k-€-46k

Net result€27k-€-59k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €46k after €42k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €330k

46.7%

53.3%

Fixed assets €154k▼ 16.9%

Current assets €176k▲ 41.0%

Key figures and ratios

2025 value · change against 2024

EBITDA

€-11k▼

2024 · €78k

Cash flow

€-25k▼

2024 · €63k

Solvency

-15.3%▼

2024 · 2.7%

Current ratio

0.71▼

2024 · 0.93

Quick ratio

0.71▼

2024 · 0.93

Debt / equity

-7.55▼

2024 · 36.05

ROA

-17.8%▼

2024 · 8.8%

Interest coverage

-0.78▼

2024 · 5.38

Debt

€381k▲

2024 · €302k

Debt ≤ 1 year

€247k▲

2024 · €134k

Debt > 1 year

€119k▼

2024 · €162k

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€310k€330k▲

Fixed assets21/28€186k€154k▼

Tangible fixed assets22/27€186k€154k▼

Plant, machinery and equipment23€18k€13k▼

Furniture and vehicles24€6k€4k▼

Leasing and similar rights25€68k€51k▼

Other tangible fixed assets26€94k€86k▼

Current assets29/58€125k€176k▲

Amounts receivable within one year40/41€69k€157k▲

Trade receivables40€28k€58k▲

Other amounts receivable41€41k€99k▲

Cash at bank and in hand54/58€28k€5k▼

Deferred charges and accrued income490/1€28k€14k▼

Equity and liabilities

Total equity and liabilities10/49€310k€330k▲

Equity10/15€8k€-50k▼

Contributions10/11€2k€2k=

Reserves13€6k€6k=

Distributable reserves133€6k€6k=

Profit (loss) carried forward14-€-59k

Amounts payable17/49€302k€381k▲

Amounts payable after more than one year17€162k€119k▼

Financial debts170/4€162k€119k▼

Amounts payable within one year42/48€134k€247k▲

Current portion of amounts payable after more than one year42€40k€63k▲

Financial debts43-€118

Credit institutions430/8-€118

Trade debts44€60k€165k▲

Suppliers440/4€60k€165k▲

Advances received on contracts in progress46€8k€16k▲

Taxes, remuneration and social security45€5k€3k▼

Taxes450/3€5k€3k▼

Other amounts payable47/48€22k€440▼

Accrued charges and deferred income492/3€7k€14k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€34k▼

Other operating charges640/8€16k€16k▲

Gross operating margin9900€94k€5k▼

Operating profit (loss)9901€42k€-46k▼

Financial income75/76B€1€1k▲

Recurring financial income75€1€1k▲

Financial charges65/66B€15k€14k▼

Recurring financial charges65€15k€14k▼

Profit (loss) for the period before taxes9903€27k€-59k▼

Profit (loss) for the period9904€27k€-59k▼

Profit (loss) for the period to be appropriated9905€27k€-59k▼

Appropriation of the result

Profit (loss) to be appropriated9906€27k€-59k▼

Transfer to equity691/2€6k-

To other reserves6921€6k-

Profit to be distributed694/7€21k-

Directors or managers695€21k-

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

11-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 11 days late

2025

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

NBB filing

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, Mechelen · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Geerdegemdries 27H2800 Mechelen

Ground area

885 m²

Building footprint

108 m²

Volume, LiDAR

120 m³

Parcel 12403E0768/00F005, Flanders · tallest building 5.1 m. Linked by address, not a title deed.

1 establishment unit

PERSONAL

Geerdegemdries 27H, 2800 MechelenRenting and operating of own or leased non-residential real estate, excluding land

since 20232.348.048.217

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
12403E0768/00F005	Flanders	885 m²	1 · 108 m²	5.1 m

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.

Public money · subsidies and aid

Flemish government

2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid

Year	Entries	awarded	paid
2025	1	2,000 EUR	2,000 EUR

Schemes

Hinderpremie bij openbare werken

1 entry · 2,000 EUR · 2,000 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

NXT-U

BE 0768.389.557

Beveren-Kruibeke-Zwijndrecht · Eq €8k

SHARPY COMPANY

BE 0752.800.865

Sint-Pieters-Woluwe · Eq €8k

POWERTEC CONSULTANCY

BE 0808.486.981

Sint-Niklaas · Eq €8k

Of 1,516 companies in sector 93130 we hold annual accounts for 687. 381 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-07-2023

Fiscal year end31-12

Activities, NACEBEL

85510Sports and recreation education

93130Fitness centres

68203Renting and operating of own or leased non-residential real estate, excluding land

86905Human health activities

86951Physiotherapy

93199Other sports activities

96040Personal service activities

96230Day spas, saunas and steam baths

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.