4YOURPEAK
ActiveSummary
The annual accounts of 4YOURPEAK for fiscal year 2025 show a net loss of 97% of the equity at the start of that year. The 2025 annual accounts show equity of €9 and a net result of -€315. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 17601 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
59
/ 100
Fair
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. A confirmed filing finding caps the score. Each of these causes sets the same score on its own. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-6
Solvency25▼-1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
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 short (current ratio 0.74 against 0.66 in 2024; short-term debt: 100% and cash: 44.2% of total assets), and 100% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
0%
Return on assets
-0.8%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 17601 sector peers (2025).
NBB · sector comparisonPosition among 17601 sector peers
Solvency
better than 10%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 11-05-2026, 100 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 6 filingsDeviation from the deadline
2025
100 d late
2024
on the day
2023
21 d late
2022
15 d late
2021
25 d late
2020
38 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 33 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 21 February (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close01-10-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€9▼ 97.2%
2024 · €324
Total assets
€39,428▼ 1.5%
2024 · €40,021
Net result
-€315
2024 · €1,640
Working capital
-€10,160▲ 23.7%
2024 · -€13,315
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€3,321▲ 38.7%€1,406€242▼ 82.8%€1,731▲ 615%-€215
Net result-€3,331below the sector's middle half▲ 38.8%€1,157below the sector's middle half€99below the sector's middle half▼ 91.4%€1,640below the sector's middle half▲ 1,557%-€315below the sector's middle half
Equity-€2,571below the sector's middle half-€1,414below the sector's middle half▲ 45.0%-€1,315below the sector's middle half▲ 7.0%€324below the sector's middle half€9below the sector's middle half▼ 97.2%
Total assets€22,665below the sector's middle half▲ 799%€25,317below the sector's middle half▲ 11.7%€36,166below the sector's middle half▲ 42.9%€40,021below the sector's middle half▲ 10.7%€39,428below the sector's middle half▼ 1.5%
Debt€25,236▲ 1,332%€26,731▲ 5.9%€37,481▲ 40.2%€39,697▲ 5.9%€39,419▼ 0.7%
Working capital-€13,205below the sector's middle half-€10,885below the sector's middle half▲ 17.6%-€17,912below the sector's middle half▼ 64.6%-€13,315below the sector's middle half▲ 25.7%-€10,160below the sector's middle half▲ 23.7%
Solvency-11.3%below the sector's middle half-5.6%below the sector's middle half▲ 5.8pp-3.6%below the sector's middle half▲ 1.9pp0.8%below the sector's middle half▲ 4.4pp0.0%below the sector's middle half▼ 0.8pp
Current ratio0.48below the sector's middle half0.59below the sector's middle half▲ 0.120.52below the sector's middle half▼ 0.070.66below the sector's middle half▲ 0.140.74below the sector's middle half▲ 0.08
Return on assets (ROA)-14.7%below the sector's middle half4.6%within the sector's middle half▲ 19.3pp0.3%below the sector's middle half▼ 4.3pp4.1%below the sector's middle half▲ 3.8pp-0.8%below the sector's middle half▼ 4.9pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
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 2025: a loss of €215 after €1,731 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €39,428
Fixed assets
€10,169 ▼ 25.4%
Current assets
€29,259 ▲ 10.9%
Equity and liabilities €39,428
Equity
€9 ▼ 97.2%
Debt
€39,419 ▼ 0.7%
Debt's share of the balance-sheet total rises from 99.2% to 100.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3,255▼
2024 · €5,125
Cash flow
€3,155▼
2024 · €5,034
Quick ratio
0.46▲
2024 · 0.35
Interest coverage
32.55▼
2024 · 56.32
Debt ≤ 1 year
€39,419▼
2024 · €39,697
Equity ratios withheld: equity of €9 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 849 companies that looked in July 2024 the way this one looks now, 4.6% went bankrupt within 24 months and 92% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a small loss
4.6%
went bankrupt
3.3%
stopped otherwise
92%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.6% 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 497,341 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% | 1.0% |
| 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% 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 849 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €85 | €2,073 | €2,374 | €3,394 | €3,470 | ▲ 2.2% |
| Other operating charges640/8 | - | €347 | €510 | - | - | - |
| Gross operating margin9900 | -€2,664 | €3,826 | €3,126 | €5,125 | €3,255 | ▼ 36.5% |
| Operating profit (loss)9901 | -€3,321 | €1,406 | €242 | €1,731 | -€215 | ▼ 112% |
| Financial charges65/66B | - | €249 | €143 | €91 | €100 | ▲ 9.9% |
| Recurring financial charges65 | €10 | €249 | €143 | €91 | €100 | ▲ 9.9% |
| Profit (loss) for the period before taxes9903 | -€3,331 | €1,157 | €99 | €1,640 | -€315 | ▼ 119% |
| Profit (loss) for the period9904 | -€3,331 | €1,157 | €99 | €1,640 | -€315 | ▼ 119% |
| Profit (loss) for the period to be appropriated9905 | -€3,331 | €1,157 | €99 | €1,640 | -€315 | ▼ 119% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €22,665 | €25,317 | €36,166 | €40,021 | €39,428 | ▼ 1.5% |
| Fixed assets21/28 | €10,634 | €9,471 | €16,597 | €13,639 | €10,169 | ▼ 25.4% |
| Intangible fixed assets21 | €1,041 | €936 | €831 | €726 | €621 | ▼ 14.5% |
| Tangible fixed assets22/27 | €9,143 | €8,085 | €15,766 | €12,913 | €9,548 | ▼ 26.1% |
| Plant, machinery and equipment23 | - | €8,085 | €15,083 | €12,147 | €9,211 | ▼ 24.2% |
| Furniture and vehicles24 | - | - | €683 | €766 | €337 | ▼ 56.0% |
| Financial fixed assets28 | €450 | €450 | €0 | €0 | - | - |
| Current assets29/58 | €12,031 | €15,846 | €19,569 | €26,382 | €29,259 | ▲ 10.9% |
| Stocks and contracts in progress3 | €281 | €7,525 | €13,162 | €12,633 | €11,191 | ▼ 11.4% |
| Stocks30/36 | - | €7,525 | €13,162 | €12,633 | €11,191 | ▼ 11.4% |
| Amounts receivable within one year40/41 | €692 | €27 | €1,536 | €275 | €648 | ▲ 136% |
| Other amounts receivable41 | - | €27 | €1,536 | €275 | €648 | ▲ 136% |
| Cash at bank and in hand54/58 | €11,058 | €8,294 | €4,871 | €13,474 | €17,420 | ▲ 29.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €22,665 | €25,317 | €36,166 | €40,021 | €39,428 | ▼ 1.5% |
| Equity10/15 | -€2,571 | -€1,414 | -€1,315 | €324 | €9 | ▼ 97.2% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Profit (loss) carried forward14 | -€8,771 | -€7,614 | -€7,515 | -€5,876 | -€6,191 | ▼ 5.4% |
| Amounts payable17/49 | €25,236 | €26,731 | €37,481 | €39,697 | €39,419 | ▼ 0.7% |
| Amounts payable within one year42/48 | €25,236 | €26,731 | €37,481 | €39,697 | €39,419 | ▼ 0.7% |
| Trade debts44 | €11,373 | €1,078 | €783 | €959 | €308 | ▼ 67.9% |
| Suppliers440/4 | - | €1,078 | €783 | €959 | €308 | ▼ 67.9% |
| Taxes, remuneration and social security45 | - | - | - | €39 | - | - |
| Taxes450/3 | - | - | - | €39 | - | - |
| Other amounts payable47/48 | - | €25,653 | €36,698 | €38,699 | €39,111 | ▲ 1.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,331 | €1,157 | €99 | €1,640 | -€315 | ▼ 119% |
| + Depreciation and write-downs630 | €85 | €2,073 | €2,374 | €3,394 | €3,470 | ▲ 2.2% |
| Operating cash flow (approximation) | -€3,246 | €3,230 | €2,473 | €5,034 | €3,155 | ▼ 37.3% |
| Investment in fixed assets (approximation) | - | -€910 | -€9,500 | -€436 | €0 | ▲ 100% |
| Change in cash | - | -€2,764 | -€3,423 | €8,603 | €3,946 | ▼ 54.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-06
State Gazette act
Resignations & appointmentsName change · Purpose change · Power of attorney6 facts ▸
State Gazette act
Resignations & appointments
Name change · Purpose change · Power of attorney6 facts ▸
- General meeting, 09-06-2026
- Other statement, constitution et modification antérieure des statuts, 15-10-2018
- Name change, 4YOURPEAK
- Other statement, rapport du conseil d’administration demeurera ci-annexé, dispense de lecture du rapport du conseil d’administration sur la modification proposée à l'objet socia…
- Purpose change
- Power of attorney, Olivier GILLIEAUX
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 100 days late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2020net €1,640 ▲1,557%
Operating result €1,731, net result €1,640, both a record.
21-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
15-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 15 days late
2022
30-06
Financial
Back to profitnet €1,157
Net result €1,157 after 2 loss-making years.
25-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
10-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 38 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 1 of 4 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Montigny-le-Tilleul · 1 establishment unit since 2018
Ground area
1,265 m²
Building footprint
188 m²
Volume, LiDAR
1,413 m³
Parcel 52048D0065/00B014, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JOPCITY
since 20182.285.486.878
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52048D0065/00B014 | Wallonia | 1,265 m² | 1 · 188 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Articles of association
Purpose
L'exploitation et la gestion de centres dédiés au bien-être,à la santé préventive,à la longévité,à la remise en forme et à la performance physique; La prestation de services dans…
Full purpose (15 activities)
- L'exploitation et la gestion de centres dédiés au bien-être,à la santé préventive,à la longévité,à la remise en forme et à la performance physique ;
- La prestation de services dans les domaines de la kinésithérapie,dans le respect des dispositions légales applicables,de la diététique et de la nutrition,du coaching personnalisé,de l'accompagnement sportif,de la remise en forme,du pilates,de l'endurance,de la préparation physique et de la récupération ;
- La réalisation de soins de bien-être et de relaxation,notamment des massages non thérapeutiques,des techniques de récupération et toute pratique visant à améliorer le confort physique et mental,ainsi que l'utilisation de technologies de bien-être corporel telles que la cryothérapie,la luminothérapie(notamment la red light therapy),la pressothérapie incluant l'utilisation de bottes de compression type Normatec,Reboots ou équivalents,l'hypoxie et l'hyperoxie à visée de récupération et de performance,et toute technique similaire à visée de récupération ou de bien-être ;
- L'exploitation de centres de fitness,d'espaces d'entraînement,de studios de coaching et,de manière générale,le développement de concepts liés à la santé,au sport et au bien-être ;
- Le conseil,l'accompagnement et la conception d'espaces dédiés au sport,au bien-être et à la remise en forme,notamment l'aménagement de salles de sport à domicile,à l'exclusion de tous travaux soumis à une réglementation spécifique ;
- La vente,la distribution et la commercialisation,en gros et au détail,y compris par voie électronique,de tous produits liés à la santé,au sport et au bien-être,notamment produits nutritionnels,compléments alimentaires,boissons et produits préemballés prêts à la consommation,équipements sportifs,appareils de fitness,objets connectés,huiles essentielles,bougies,produits d'aromathérapie,produits de soin,accessoires,ainsi que vêtements,textiles et articles vestimentaires liés au sport,au bien-être et au lifestyle ;
- L'exploitation d'activités de petite restauration et de débit de boissons,en lien avec le bien-être,la nutrition et la santé,sous réserve du respect des réglementations applicables ;
- L'organisation d'événements,d'ateliers,de formations et de programmes d'accompagnement liés à la santé,au sport,à la nutrition et au bien-être,ainsi que la conception et la dispense de formations professionnelles à destination de praticiens,coachs,thérapeutes et tout professionnel du secteur de la santé et du bien-être,y compris dans le cadre d'une activité reconnue d'organisme de formation ;
- Le développement de services digitaux,de plateformes en ligne,de programmes de coaching à distance,d'applications et de contenus liés aux activités précitées,ainsi que le développement et l'exploitation de toute application mobile ou digitale en lien direct ou indirect avec les activités de la société,notamment des applications de réservation,de suivi,de communauté ou de marketplace ;
- Le développement,la conception et la commercialisation d'applications web et mobiles sur tout type de sujet,ainsi que la prestation de services informatiques et numériques s'y rapportant,incluant notamment la conception,le développement,la maintenance,l'hébergement et la mise sur le marché de solutions digitales pour le compte propre de la société ou pour le compte de tiers ;
- La mise à disposition,la gestion et la location d'espaces professionnels,notamment à destination de prestataires indépendants tels que médecins,kinésithérapeutes,ostéopathes ou autres professionnels de la santé et du bien-être,ainsi que la perception de redevances,loyers ou rétrocessions dans ce cadre ;
- Le développement,la concession et l'exploitation de licences de marque,de savoir-faire,de concepts et de systèmes de franchise liés aux activités précitées,en ce compris la mise à disposition de méthodes,outils et supports à des tiers souhaitant reproduire tout ou partie du concept ;
- La création,le développement,l’exploitation et la commercialisation de plateformes digitales,applications web et mobiles,logiciels,outils numériques,réseaux sociaux,marketplaces,plateformes communautaires et solutions technologiques,dans tous domaines et secteurs d’activité,pour compte propre ou pour compte de tiers ;
- Les prestations de conseil,d’accompagnement et de consultance en matière de management,stratégie,organisation,marketing,communication,développement commercial,innovation,digitalisation et développement de projets ou de concepts ;
- L’exploitation de plateformes de mise en relation,de réseautage,de diffusion d’informations,de contenu communautaire,de recrutement et de services en ligne,ainsi que la création,la commercialisation et la distribution de tous produits et services,notamment via des plateformes e-commerce,dans tous domaines et secteurs d’activité.
Name clause
4YOURPEAK
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Company details
Identification
Legal formPrivate limited company
Founded17-10-2018
Fiscal year end30-06
Legal name FR
JOPCITY
Activities, NACEBEL 2025
62100Computer programming
46190Agents in non-specialised wholesale trade
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
70200Business and other management consultancy
78200Temporary employment agencies and other provision of personnel
82300Organisation of conventions and trade shows
E-invoicing
Reachable via Peppol
Peppol ID
0208:0711813417
Also
9925:BE0711813417
Registered
10-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.