PERSONAL
ActiveFrom the official registers: KBO 2 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
PERSONAL has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€50,439) and a net result of -€58,815. Its solvency ranks better than 20% of 2,862 sector peers (NACE 93, financial year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Overview
Official details
KBO- Status
- Active since 03-07-2023 Normal situation
- Legal form
- Private limited company
- Registered office
- Geerdegemdries 27H, 2800 Mechelen
- Activity
- Fitness centres NACE 93130and 5 others
- Establishment unit
- 2.348.048.217 2800 Mechelen, since 03-07-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 15-04-2025
How it is doing
- Bankruptcy probabilitywithin 12 months
- 1.2%
- Gross margin
- €5,018
- ▼ 94.6%
- Turnover
- ≈ €29,000
- estimated
- Loss
- €58,815
- Equity
- -€50,439
- Total assets
- €330,157
- ▲ 6.4%
Why 53raises riskCapped at 59: negative equityLast filed accounts filed 11 days late; 1 of the last 3 lateNegative equity -€50,439lowers riskSector: Sports, amusement and recreation activities (NACE 93)Size: total assets €330,157Show the evidence
Checked score
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
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 93, micro): better than 20% on solvency, 12% on liquidity, 7% on profitability and 1% on growth.
The bankruptcy probability was computed on 31-10-2026 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
This company filed its last 2 accounts on average 36 days after the deadline; the sector median (NACE 93) for financial year 2024 is 1 day before the deadline, and 42% of those companies filed late.
Searched, nothing found (2)
Financials · financial year 2025, micro format
2025 annual accounts filed late (11 days) Filed on 11 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00391750.
Annual accounts 2025
- Financial year ended
- 31-12-2025
- Filed on
- 11-08-2026
- Format
- micro format
- Reference
- 2026-00391750
Source amounts without an identifiable currency are assumed to be EUR.
2024 to 2025, 2 financial years
The operating result turns negative in 2025: a loss of €45,516 after €41,749 in 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 93, Sports, amusement and recreation activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 7,639 companies that looked in July 2024 the way this one looks now, 8.8% went bankrupt within 24 months and 84.9% are still going.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 1.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 7,639 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €36,258 | €34,235 | ▼ 5.6% |
| Other operating charges640/8 | €15,588 | €16,299 | ▲ 4.6% |
| Gross operating margin9900 | €93,595 | €5,018 | ▼ 94.6% |
| Operating profit (loss)9901 | €41,749 | -€45,516 | - |
| Financial income75/76B | €1 | €1,114 | ▲ 1,041× |
| Recurring financial income75 | €1 | €1,114 | ▲ 1,041× |
| Financial charges65/66B | €14,512 | €14,413 | ▼ 0.7% |
| Recurring financial charges65 | €14,512 | €14,413 | ▼ 0.7% |
| Profit (loss) for the period before taxes9903 | €27,238 | -€58,815 | - |
| Profit (loss) for the period9904 | €27,238 | -€58,815 | - |
| Profit (loss) for the period to be appropriated9905 | €27,238 | -€58,815 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €310,322 | €330,157 | ▲ 6.4% |
| Fixed assets21/28 | €185,586 | €154,222 | ▼ 16.9% |
| Tangible fixed assets22/27 | €185,586 | €154,222 | ▼ 16.9% |
| Plant, machinery and equipment23 | €17,881 | €13,398 | ▼ 25.1% |
| Furniture and vehicles24 | €5,822 | €4,296 | ▼ 26.2% |
| Leasing and similar rights25 | €68,239 | €50,843 | ▼ 25.5% |
| Other tangible fixed assets26 | €93,645 | €85,684 | ▼ 8.5% |
| Current assets29/58 | €124,736 | €175,935 | ▲ 41.0% |
| Amounts receivable within one year40/41 | €68,990 | €157,357 | ▲ 128% |
| Trade receivables40 | €28,097 | €58,472 | ▲ 108% |
| Other amounts receivable41 | €40,893 | €98,885 | ▲ 142% |
| Cash at bank and in hand54/58 | €27,681 | €4,568 | ▼ 83.5% |
| Deferred charges and accrued income490/1 | €28,065 | €14,010 | ▼ 50.1% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €310,322 | €330,157 | ▲ 6.4% |
| Equity10/15 | €8,375 | -€50,439 | - |
| Contributions10/11 | €2,000 | €2,000 | = |
| Reserves13 | €6,375 | €6,375 | = |
| Distributable reserves133 | €6,375 | €6,375 | = |
| Profit (loss) carried forward14 | - | -€58,815 | - |
| Amounts payable17/49 | €301,947 | €380,596 | ▲ 26.0% |
| Amounts payable after more than one year17 | €161,713 | €119,076 | ▼ 26.4% |
| Financial debts170/4 | €161,713 | €119,076 | ▼ 26.4% |
| Amounts payable within one year42/48 | €133,704 | €247,149 | ▲ 84.8% |
| Current portion of amounts payable after more than one year42 | €39,639 | €63,007 | ▲ 59.0% |
| Financial debts43 | - | €118 | - |
| Credit institutions430/8 | - | €118 | - |
| Trade debts44 | €60,073 | €164,677 | ▲ 174% |
| Suppliers440/4 | €60,073 | €164,677 | ▲ 174% |
| Advances received on contracts in progress46 | €7,892 | €16,201 | ▲ 105% |
| Taxes, remuneration and social security45 | €4,548 | €2,707 | ▼ 40.5% |
| Taxes450/3 | €4,548 | €2,707 | ▼ 40.5% |
| Other amounts payable47/48 | €21,553 | €440 | ▼ 98.0% |
| Accrued charges and deferred income492/3 | €6,530 | €14,372 | ▲ 120% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €27,238 | -€58,815 | - |
| + Depreciation and write-downs630 | €36,258 | €34,235 | ▼ 5.6% |
| Operating cash flow (approximation) | €63,496 | -€24,579 | - |
| Investment in fixed assets (approximation) | - | -€2,871 | - |
| Change in cash | - | -€23,113 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Similar companies · same sector and region
Subsidies and aid
Flemish government
2025 · 1 entry · €2,000 awarded · €2,000 paidPublic contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| MPC MECHELEN |
|
How the board is organised
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, natuurlijke personen of rechtspersonen”
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Zoals inzake statutenwijziging, algemene vergadering”“Vormen vereist voor statutenwijziging, algemene vergadering”
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Alle machten artikel 2:87 Wetboek van vennootschappen en verenigingen zonder bijzondere machtiging, één of meerdere vereffenaars aanduiden…”
Articles of association, deed of 05-07-2023 (in Dutch)
Owners and capital
Capital and shareholders
- PENEN Sébert 50 shares (50%) · €1,000
- NERINCKX Lara Mira Lilyth 50 shares (50%) · €1,000
- 05-07-2023 Incorporation · €2,000 · 100 shares
Shares according to the articles of association
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Op naam, vruchtgebruiker en blote eigenaar afzonderlijk ingeschreven met vermelding van rechten”
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Voor helft ten laste van overdrager en helft ten laste van koper(s) naar evenredigheid, nietigheid”
Other provisionsRules from the articles on subjects other than the board, the shares, the purpose and the meetings.
Articles of association, deed of 05-07-2023 (in Dutch)
Group and network
Connections & network
1 current directorThe board mandates are listed below; here you explore them as a network.
History
Acts, filings and financial milestones
05-07
Gazette deed
IncorporationAppointment: MPC MECHELEN (director) · Permanent representatives: PENEN Sébert and NERINCKX Lara Mira Lilyth · Founder15 facts ▸
- Incorporation, 30-06-2023
- Founder, PENEN Sébert
- Founder, NERINCKX Lara Mira Lilyth
- Founding capital, €2,000
- Other provision, “statuten van de vennootschap, als volgt” (deed in Dutch)
- Capital
- General meeting, 13-06-2025
- Registered office clause, “2800 Mechelen, Geerdegemdries 27H” (deed in Dutch)
- Board rule, 1, “vergadering” (deed in Dutch)
- Director appointment, MPC MECHELEN (director)
- Permanent representative, PENEN Sébert
- Permanent representative, NERINCKX Lara Mira Lilyth (plaatsvervangende vaste vertegenwoordiger)
- +3 further facts in this act
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Register details
Who it is
KBO recordWhere it is based
What it does
NACEBEL 2025Invoicing and payment
Financial year and general meeting
Accounts at the NBBScores and ratios are computed by Checked and are not a credit decision.
Purpose according to the articles of association
- PurposeThe activities the company may carry out under its articles.
- “Gym op afspraak; Personal training; Kine; Massage; Sportgeneeskunde; Andere niet medische contactberoepen; Groepslessen; Kleinschalige…”
12 activities
- Gym op afspraak
- Personal training
- Kine
- Massage
- Sportgeneeskunde
- Andere niet medische contactberoepen
- Groepslessen
- Kleinschalige sportieve events
- Sportkampen
- Trainingsstages
- Ter beschikking stellen van professionele ruimtes voor sportartsen en kinesitherapie.
- Het organiseren van sportaccommodaties al dan niet in samenloop met personal training.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- PERSONAL
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Alle machten om op authentieke wijze statutenwijziging te doen vaststellen, Vlaams Gewest”
Articles of association, deed of 05-07-2023 (in Dutch)
Environmental permits: No permit applications found in Flanders.
Sites & property
1 establishment unit
Buildings and parcels at the address
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 12403E0768/00F005 | Flanders | 885 m² | 1 · 108 m² | 5.1 m |