Equity
-€30,196
Debts exceed assets in financial year 2025.
Personal Training C.I.C.
Lifetime
2 annual accounts with figures on one time axisGross marginpeak €48,676 (2025)
€48,676▲ 516%
Resultlowest -€39,387 (2024)
€6,691▲ €46,079
Equitypeak -€30,196 (2025)
-€30,196▲ €6,691
Debts
€632,803▼ 1.1%
Board1 name since 2023
1 directorCARLIER Robin
Documentsfilings and deeds
06-07-202625 days before the deadline
2025micro format
Gross margin from €7,905 to €48,676Back to profit: €6,691Equity from -€36,887 to -€30,196Cash from €4,414 to €34,577
Key points
from the 2025 annual accountsDebts
€632,803 105% of the balance sheet
Financial debts 12%Suppliers 0%Taxes and wages 0%Other 88%
Of this, €555,891 falls due within a year.
Position in the sector
-€30,196
Less equity than 84% of companies in sports and recreation. Sector median €31,179 · 2,877 companies.
Checked score
55
Fair
Financially stronger than 38% of micro companies in sports and recreation (NACE 93)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.3% across 4,269 companies (NACE 93, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.7%
01-2025: 0.7%● unchanged vs 12-2024
02-2025: 0.8%▲ +0.1 percentage points vs 01-2025
03-2025: 0.8%● unchanged vs 02-2025
04-2025: 0.9%▲ +0.1 percentage points vs 03-2025
05-2025: 1.0%▲ +0.1 percentage points vs 04-2025
06-2025: 1.0%● unchanged vs 05-2025highest value
07-2025: 0.9%▼ -0.1 percentage points vs 06-2025
08-2025: 0.5%▼ -0.4 percentage points vs 07-2025
09-2025: 0.5%● unchanged vs 08-2025
10-2025: 0.5%● unchanged vs 09-2025
11-2025: 0.5%● unchanged vs 10-2025
12-2025: 0.5%● unchanged vs 11-2025
01-2026: 0.5%● unchanged vs 12-2025
02-2026: 0.5%● unchanged vs 01-2026
03-2026: 0.5%● unchanged vs 02-2026
04-2026: 0.6%▲ +0.1 percentage points vs 03-2026
05-2026: 0.6%● unchanged vs 04-2026
06-2026: 0.6%● unchanged vs 05-2026
07-2026: 0.6%● unchanged vs 06-2026
08-2026: 0.3%▼ -0.3 percentage points vs 07-2026lowest value
09-2026: 0.3%● unchanged vs 08-2026lowest value
10-2026: 0.3%● unchanged vs 09-2026lowest value
11-2026: 0.3%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€30,196
lowers risk
Size: total assets €602,607
Sector: Sports, amusement and recreation activities (NACE 93)
Figures for financial year 2025 (filed on 06-07-2026)
Calculation
The band follows from the bankruptcy probability. 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). It does better than 24% of them on solvency, 9% on liquidity, 50% on profitability and 68% on growth.
The bankruptcy probability was computed on 04-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 262 companies had the same profile as Personal Training C.I.C. has now. Each dot is one company, two years later.
97.3%
were still trading
0.8%
stopped another way
1.1%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Personal Training C.I.C. itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 262 companies, not a prediction for Personal Training C.I.C.. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.07 (0.02 in 2024), below 1. Short-term debt is 92.2% and cash 5.7% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 2875 sector peers (2025).
NBB · sector comparisonPosition among 2875 sector peers
Solvency
better than 24%
← weakest
strongest →
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 06-07-2026, 25 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
25 days early
2024
20 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 23 days before the deadline. In the sector (NACE 93), the median for financial year 2024 was 1 day before the deadline, and 42% 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
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1001049304
Incorporation
Founder: CARLIER Robin · 100 shares · Appointment: CARLIER Robin (director) · published on 13-10-2023 · Gazette deed
First establishment
Brusselsesteenweg 557, Ghent
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| Personal Training C.I.C. Ghent | €602,607 | €48,676 | -5.0% | - |
| Sport Art Sint-Niklaas | €392,286 | €59,070 | -9.0% | - |
| Fit on The Move Leuven | €463,492 | €46,547 | 7.5% | - |
| HIDDEN Temse | €629,946 | €97,779 | -5.9% | - |
| Alictivity Incourt | €312,008 | €67,322 | 46.1% | - |
| LFM STUDIOS Sint-Gillis (bij-Brussel) | €601,123 | €129,949 | 17.1% | - |
| Dwars door Vlaanderen Waregem | €635,497 | €115,752 | 39.3% | - |
These companies have the same main activity as Personal Training C.I.C.: other sports activities (NACE 93199). They are comparable in size and age: total assets between €312,000 and €635,000, founded between 2022 and 2024.
Official details
Source: KBO- Status
- Active since 11-10-2023Normal situation
- Activity
- Other sports activitiesNACE 93199
- Establishment unit
- 2.351.263.0739050 Ghent, since 11-10-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 23-07-2024
Annual accounts 2025
- Turnover
- ≈ €200,000estimated
- Total assets
- €602,607=
- Filing
- Filed on 06-07-2026, 25 days before the end of the filing period
Insights on Personal Training C.I.C.
Personal Training C.I.C. has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€30,196) and a net result of €6,691.
Its solvency ranks better than 24% of 2,875 sector peers (NACE 93, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Personal Training C.I.C.
- What is the company number of Personal Training C.I.C.?
- The company number of Personal Training C.I.C. is 1001.049.304. The VAT number is the same number with BE in front: BE 1001.049.304.
- Where is Personal Training C.I.C. based?
- The registered office is at Schooldreef 118, 9050 Ghent.Company details
- What does Personal Training C.I.C. do?
- According to the KBO register, the main activity is other sports activities (NACE 93199).
- What is the legal form of Personal Training C.I.C.?
- Personal Training C.I.C. is a private limited company (BV).
- When was Personal Training C.I.C. founded?
- Personal Training C.I.C. was founded on 11-10-2023.
- Is Personal Training C.I.C. still active?
- Yes, Personal Training C.I.C. is an active enterprise in the KBO register.
- What is the turnover of Personal Training C.I.C.?
- The turnover in financial year 2025 is ≈ €200,000. This figure is estimated from the gross margin of €48,676 and 2,953 comparable companies of the same size. It probably lies between €120,000 and €350,000. It is a rough estimate.Financials
- Is Personal Training C.I.C. profitable?
- In financial year 2025, Personal Training C.I.C. made a profit of €6,691.
- Where can I find the annual accounts of Personal Training C.I.C.?
- Personal Training C.I.C. filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Personal Training C.I.C. due?
- Personal Training C.I.C. must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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