TRAIN DE VIE
ActiveTRAIN DE VIE has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €59k and a net result of €-9k. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 55% of 109 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2026
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability8▼-68
Solvency81▼-2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.87 against 2.02 in 2025; short-term debt: 43.5% and cash: 18.3% of total assets), and 43.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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 2026Solvency, return and age of the figures
Solvency
56.5%
Return on assets
-8.5%
Age of the figures
5 mo
neutral · Latest accounts filed on time
The financial year that closed on 15-04-2026 was due by 15-11-2026 and was filed on 05-08-2026, 102 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
102 d early
2025
85 d early
2024
78 d early
2023
149 d early
2022
64 d late
2021
6 d early
2020
23 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 15-04-2027 and is due by 15-11-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today15-04-2027 close15-11-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€59k▼ 13.1%
2025 · €68k
2019: €49k
2020: €43k
2021: €46k
2022: €48k
2023: €60k
2024: €61k
2025: €68k
2019 → 2026
Total assets
€104k▼ 10.3%
2025 · €116k
2019: €65k
2020: €59k
2021: €66k
2022: €64k
2023: €75k
2024: €115k
2025: €116k
2019 → 2026
Net result
€-9k
2025 · €7k
2019: €2k
2020: €-6k
2021: €3k
2022: €2k
2023: €12k
2024: €8k
2025: €7k
2019 → 2026
Working capital
€39k▼ 13.2%
2025 · €45k
2019: €49k
2020: €43k
2021: €46k
2022: €47k
2023: €59k
2024: €40k
2025: €45k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€48k-€60k▲ 24.1%€61k▲ 1.8%€68k▲ 11.1%€59k▼ 13.1%
Operating result€2k-€16k▲ 621%€13k▼ 22.7%€10k▼ 18.6%€-8k
Net result€2k-€12k▲ 467%€8k▼ 29.4%€7k▼ 17.6%€-9k
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 2026: a loss of €8k after €10k in 2025, the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €104k
Fixed assets
€19k▼ 26.5%
Current assets
€85k▼ 5.5%
Equity and liabilities €104k
Equity
€59k▼ 13.1%
Debt
€45k▼ 6.3%
The debt ratio rises from 41.7% to 43.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-1k▼
2025 · €18k
Cash flow
€-2k▼
2025 · €14k
Solvency
56.5%▼
2025 · 58.3%
Current ratio
1.87▼
2025 · 2.02
Quick ratio
1.87▼
2025 · 2.02
Debt / equity
0.77▲
2025 · 0.71
ROE
-15.1%▼
2025 · 10.0%
ROA
-8.5%▼
2025 · 5.8%
Interest coverage
-2.72▼
2025 · 20.29
Debt
€45k▼
2025 · €48k
Debt ≤ 1 year
€45k▲
2025 · €44k
Income taxes
€296▼
2025 · €3k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€116k€104k▼
Fixed assets21/28€26k€19k▼
Tangible fixed assets22/27€26k€19k▼
Plant, machinery and equipment23€765€300▼
Furniture and vehicles24€26k€19k▼
Current assets29/58€90k€85k▼
Stocks and contracts in progress3€150€75▼
Stocks30/36€150€75▼
Amounts receivable within one year40/41€62k€65k▲
Trade receivables40€13k€18k▲
Other amounts receivable41€49k€47k▼
Cash at bank and in hand54/58€26k€19k▼
Deferred charges and accrued income490/1€992€1k▲
Equity and liabilities
Total equity and liabilities10/49€116k€104k▼
Equity10/15€68k€59k▼
Contributions10/11€35k€35k=
Reserves13€32k€32k=
Non-distributable reserves130/1€711€711=
Reserves not available under the articles1311€711€711=
Distributable reserves133€31k€31k=
Profit (loss) carried forward14€949€-8k▼
Amounts payable17/49€48k€45k▼
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€44k€45k▲
Current portion of amounts payable after more than one year42€8k€4k▼
Trade debts44€9k€10k▲
Suppliers440/4€9k€10k▲
Advances received on contracts in progress46€303€303=
Taxes, remuneration and social security45-€612
Taxes450/3-€612
Other amounts payable47/48€27k€31k▲
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€1k€585▼
Gross operating margin9900€19k€-583▼
Operating profit (loss)9901€10k€-8k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€871€429▼
Recurring financial charges65€871€429▼
Profit (loss) for the period before taxes9903€9k€-9k▼
Income taxes67/77€3k€296▼
Profit (loss) for the period9904€7k€-9k▼
Profit (loss) for the period to be appropriated9905€7k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€-8k▼
Profit (loss) brought forward from the previous period14P€949€949=
Transfer to equity691/2€7k-
To other reserves6921€7k-
The notes to these accounts (5 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 2027, expected by
2026
05-08
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
15-04
Financial
Weakest financial yearnet €-9k ▼231%
Net result drops to €-9k, the lowest in the series.
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
15-04
Financial
Highest result since 2019net €12k ▲467%
Operating result €16k, net result €12k, both a record.
18-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 64 days late
2021
09-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
15-04
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
2020
08-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2019
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
22-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 205 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Boechout · 1 establishment unit since 1997
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.
Janssenlei 52530 BoechoutGround area
2,307 m²
Building footprint
475 m²
Volume, LiDAR
3,506 m³
2 parcels, Flanders · tallest building 21.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kasteeldreef 23, 2520 Ranst
since 19972.083.704.114
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11004D0015/00P000 | Flanders | 1,639 m² | 1 · 186 m² | 14.8 m · 3 fl. |
| 11035B0320/00D000 | Flanders | 668 m² | 1 · 289 m² | 21.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 1,848 EUR awarded · 1,849 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 960 EUR | 960 EUR |
| 2023 | 1 | 0 EUR | 68 EUR |
| 2022 | 1 | 888 EUR | 821 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
PERTINAX
BE 0539.996.228
Houthulst · Eq €59k
LUCKY STORE.AL
BE 0870.793.051
Zutendaal · Eq €59k
NETWORK
BE 0449.433.167
Kalmthout · Eq €59k
NYH IMMO
BE 0715.967.490
Charleroi · Eq €59k
AGENOR WHOLESALE SERVICES
BE 0895.395.221
Zwevegem · Eq €59k
Of 1,311 companies in sector 46423 we hold annual accounts for 812. 535 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded16-09-1997
Fiscal year end15-04
Activities, NACEBEL
46423Wholesale of clothing, excluding workwear and underwear
51421
Sources
Crossroads Bank for EnterprisesNational Bank · 29 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.