Equity
-€678,920
Debts exceed assets in financial year 2025.
4YOU SA
Lifetime
20 annual accounts with figures on one time axispeak €806,197 (2014)
€106,335▼ 71.2%
lowest -€564,763 (2023)
€102,948▼ 71.9%
peak €70,406 (2014)
-€678,920▲ €102,948
€2.3m▲ 30.3%
peak 0.7 FTE (2006)
-not published
Board2 names since 2005
1 directorNOVO BELGIUM HOLDING
Owners
99.5%NOVO BELGIUM HOLDING
Documentsfilings and deeds
04-08-20264 days late
2025abbreviated format
Gross margin from €369,740 to €106,335Result from €366,529 to €102,948Equity from -€781,868 to -€678,920Debts from €1.8m to €2.3mCash from €8,855 to €45,157
Key points
from the 2025 annual accountsResult
€102,948 ▼ 71.9%
The result fell in 2025: different schema filed.
Debts
€2.3m 142% of the balance sheet
Financial debts 0%Suppliers 5%Other 95%
Of this, €2.2m falls due within a year.
Filings
20 annual accounts since 2006
Ten of the last ten came late. The 2021 accounts came latest: 313 days after the end of the period.
At the same address
90 companies
Position in the sector
-€678,920
Less equity than 95% of companies in advertising and market research. Sector median €164,018 · 2,097 companies.
Checked score
54
Fair
Financially stronger than 26% of micro companies in advertising and market research (NACE 73)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 11,228 companies (NACE 73, micro).
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024lowest value
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.4%▲ +0.1 percentage points vs 05-2025
07-2025: 0.4%● unchanged vs 06-2025
08-2025: 0.6%▲ +0.2 percentage points vs 07-2025
09-2025: 0.6%● unchanged vs 08-2025
10-2025: 0.6%● unchanged vs 09-2025
11-2025: 0.6%● unchanged vs 10-2025
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.6%● unchanged vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026
05-2026: 0.6%● unchanged vs 04-2026
06-2026: 0.6%● unchanged vs 05-2026
07-2026: 0.7%▲ +0.1 percentage points vs 06-2026
08-2026: 1.1%▲ +0.4 percentage points vs 07-2026highest value
09-2026: 0.6%▼ -0.5 percentage points vs 08-2026
10-2026: 0.6%● unchanged vs 09-2026
11-2026: 0.6%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€678,920
Last filed accounts filed 4 days late; 2 of the last 3 accounts late
lowers risk
Size: total assets €1.6m
Founded in 2005
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 73, micro). It does better than 5% of them on solvency, 4% on liquidity, 31% on profitability and 64% on growth.
The bankruptcy probability was computed on 08-11-2026 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 low class on 30-06-2025, 0.8% 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, 317 companies had the same profile as 4YOU SA has now. Each dot is one company, two years later.
91.8%
were still trading
4.1%
stopped another way
1.6%
went bankrupt
Another 2.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of 4YOU SA itself: 0.6% within 12 months.
Test of the method
The method was tested on the 497,447 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 317 companies, not a prediction for 4YOU SA. 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 0.71 (0.56 in 2024), below 1. Short-term debt is 140.1% and cash 2.8% 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 risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 2094 sector peers (2025).
NBB · sector comparisonPosition among 2094 sector peers
Solvency
better than 9%
← weakest
strongest →
raises risk · 2025 accounts filed 4 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
4 days late
2024
31 days late
2023
31 days late
2022
31 days late
2021
313 days late
2020
124 days late
2019
76 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 87 days after the deadline. In the sector (NACE 73), the median for financial year 2024 was 6 days before the deadline, and 36% 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. The company usually files around 31 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- NOVO BELGIUM HOLDING 99.5%equity €50.6m (2025) · 2025 annual accounts of NOVO BELGIUM HOLDING
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0875089557
1 director resigning, 1 reappointment
Resignation: JANNE Eamon · Reappointment: NOVO BELGIUM HOLDING · Permanent representative: JANNE Dominique · General meeting of 02-02-2024 · Gazette deed
Permanent representatives: Dominique JANNE and Eamon JANNE
General meeting of 16-12-2019 · Gazette deed
Incorporation
published on 25-07-2005 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| 4YOU SA Ixelles | €1.6m | €106,335 | -42.4% | - |
| COEX Ostend | €1.6m | €93,233 | 78.0% | - |
| VISUAL IMPACT.BE Mons | €1.7m | €93,170 | 73.4% | - |
| 4XL Hasselt | €1.5m | €134,696 | 15.3% | - |
| MDJ MARKETING & MANAGEMENT Schilde | €1.6m | €129,555 | 63.2% | 0.5 |
| UP & COMING Mouscron | €1.4m | €85,992 | 48.4% | - |
| JUAN CONSULTING Molenbeek-Saint-Jean | €1.0m | €113,911 | 87.1% | - |
These companies have the same main activity as 4YOU SA: advertising agencies (NACE 73110). They are comparable in size and age: total assets between €1m and €1.7m, founded between 2001 and 2005.
Official details
Source: KBO- Status
- Active since 14-07-2005Normal situation
- Registered office
- 91 active companies are registered at this addressSource: KBO register, as of 9 November 2026.
- Activity
- Advertising agenciesNACE 73110and 1 other
- Establishment unit
- 2.149.764.0821050 Ixelles, since 11-07-2005
- Financial year end
- 31 December
- Peppol
- Reachable since 14-05-2025
Insights on 4YOU SA
4YOU SA files the abbreviated format. That format states no turnover. The gross margin rose from -€47,577 in 2006 to €106,335 in 2025.
The balance sheet grew most from 2021 to 2022 through fixed assets.
NOVO BELGIUM HOLDING holds all the shares.
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 4YOU SA
- What is the company number of 4YOU SA?
- The company number of 4YOU SA is 0875.089.557. The VAT number is the same number with BE in front: BE 0875.089.557.
- Where is 4YOU SA based?
- The registered office is at Eugène Flageyplein 7, 1050 Ixelles.Company details
- What does 4YOU SA do?
- According to the KBO register, the main activity is advertising agencies (NACE 73110).
- What is the legal form of 4YOU SA?
- 4YOU SA is a public limited company (NV).
- When was 4YOU SA founded?
- 4YOU SA was founded on 14-07-2005.
- Is 4YOU SA still active?
- Yes, 4YOU SA is an active enterprise in the KBO register.
- What is the turnover of 4YOU SA?
- The turnover in financial year 2025 is ≈ €200,000. This figure is estimated from the gross margin of €106,335 and 38 comparable companies (NACE 73). It probably lies between €150,000 and €390,000.Financials
- Is 4YOU SA profitable?
- In financial year 2025, 4YOU SA made a profit of €102,948.
- Where can I find the annual accounts of 4YOU SA?
- 4YOU SA filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of 4YOU SA due?
- 4YOU SA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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