S & K TRAINING
ActiveThe annual accounts of S & K TRAINING for fiscal year 2024 show a net loss of 50% of total assets. The 2024 annual accounts show equity of €5k and a net result of €-3k. Equity is shrinking by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 87% of 2542 sector peers (fiscal year 2024). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-81
Solvency100▲+2
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 6.15 against 3.23 in 2023; short-term debt: 12.9% and cash: 65.6% of total assets), and 12.9% 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 · 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 2024Solvency, return and age of the figures
Solvency
87.1%
Return on assets
-50.3%
Age of the figures
21 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-07-2025, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
30 d early
2023
23 d early
2022
11 d early
2021
24 d early
2020
26 d early
2019
29 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€5k▼ 36.6%
2023 · €8k
2018: €8k
2019: €7k
2020: €7k
2021: €7k
2022: €7k
2023: €8k
2018 → 2024
Total assets
€6k▼ 46.5%
2023 · €11k
2018: €11k
2019: €9k
2020: €9k
2021: €8k
2022: €8k
2023: €11k
2018 → 2024
Net result
€-3k
2023 · €1k
2018: €47
2019: €-956
2020: €14
2021: €23
2022: €-265
2023: €1k
2018 → 2024
Working capital
€4k▼ 39.8%
2023 · €7k
2018: €8k
2019: €7k
2020: €7k
2021: €7k
2022: €7k
2023: €7k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€7k-€7k▲ 0.3%€7k▼ 3.6%€8k▲ 16.1%€5k▼ 36.6%
Operating result€474-€472▼ 0.5%€309▼ 34.5%€2k▲ 632%€-3k
Net result€14-€23▲ 63.4%€-265€1k€-3k
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 2024: a loss of €3k after €2k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €6k
Fixed assets
€1k▼ 23.4%
Current assets
€5k▼ 50.3%
Equity and liabilities €6k
Equity
€5k▼ 36.6%
Debt
€787▼ 73.9%
The debt ratio falls from 26.5% to 12.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-3k▼
2023 · €3k
Cash flow
€-3k▼
2023 · €1k
Solvency
87.1%▲
2023 · 73.5%
Current ratio
6.15▲
2023 · 3.23
Quick ratio
6.15▲
2023 · 3.23
Debt / equity
0.15▼
2023 · 0.36
ROE
-57.7%▼
2023 · 13.8%
ROA
-50.3%▼
2023 · 10.2%
Interest coverage
-19.99▼
2023 · 18.19
Debt
€787▼
2023 · €3k
Debt ≤ 1 year
€787▼
2023 · €3k
Income taxes
€0▼
2023 · €968
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€11k€6k▼
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€2k€1k▼
Current assets29/58€10k€5k▼
Amounts receivable within one year40/41€230€785▲
Trade receivables40€230€410▲
Other amounts receivable41-€375
Cash at bank and in hand54/58€9k€4k▼
Deferred charges and accrued income490/1€660€65▼
Equity and liabilities
Total equity and liabilities10/49€11k€6k▼
Equity10/15€8k€5k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€295€-3k▼
Amounts payable17/49€3k€787▼
Amounts payable within one year42/48€3k€787▼
Trade debts44€765€494▼
Suppliers440/4€765€494▼
Taxes, remuneration and social security45€968€0▼
Taxes450/3€968€0▼
Other amounts payable47/48€1k€292▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€278€380▲
Other operating charges640/8€402€141▼
Gross operating margin9900€3k€-2k▼
Operating profit (loss)9901€2k€-3k▼
Financial income75/76B€3€0▼
Recurring financial income75€3€0▼
Financial charges65/66B€140€128▼
Recurring financial charges65€140€128▼
Profit (loss) for the period before taxes9903€2k€-3k▼
Income taxes67/77€968€0▼
Profit (loss) for the period9904€1k€-3k▼
Profit (loss) for the period to be appropriated9905€1k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€295€-3k▼
Profit (loss) brought forward from the previous period14P€-862€295▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-3k ▼364%
Net result drops to €-3k, the lowest in the series.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 11.19
Current ratio from 4.74 to 11.19; short-term debt falls from €2k to €717.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €14
Net result €14 after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 144 days late
2016
27-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 88 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Temse · 1 establishment unit since 2009
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 Smetstraat 739140 TemseGround area
970 m²
Building footprint
215 m²
Volume, LiDAR
1,342 m³
Parcel 46025B0753/00F000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SV PERSONAL TRAINING
since 20092.179.616.526
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B0753/00F000 | Flanders | 970 m² | 1 · 215 m² | 10.1 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.
Similar companies · same sector, comparable size
GDV Coaching
BE 0778.790.828
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Focus
BE 1026.563.272
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DiveSafe-JVH
BE 0775.840.741
Balen · Eq €5k
RMF PROJECTS
BE 0775.384.742
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Aquastar
BE 1017.488.230
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Of 13,489 companies in sector 85510 we hold annual accounts for 717. 452 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded16-07-2009
Fiscal year end31-12
Activities, NACEBEL
85510Sports and recreation education
47639Retail sale of other sporting goods
47640Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.
Contact details
1 entryPhone:0486 40 70 67