B- YOUNG · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of B- YOUNG is 0.3% (very low). The 2025 annual accounts show equity of €1.11M and a net result of €23k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 83% of 874 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

2 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 83% of 874 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 24-11-2025, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-03. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-03-2025, that is 31-10-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-03-2025	31-10-2025	24-11-2025	24 d late	2025-00569766
31-03-2024	31-10-2024	05-12-2024	35 d late	2024-00613181
31-03-2023	31-10-2023	30-11-2023	30 d late	2023-00520410
31-03-2022	31-10-2022	30-11-2022	30 d late	2022-20531724
31-03-2021	31-10-2021	09-11-2021	9 d late	2021-76900565
31-03-2020	31-10-2020	15-12-2020	45 d late	2020-75800505
31-03-2019	31-10-2019	29-10-2019	2 d early	2019-72000097
31-03-2018	31-10-2018	22-11-2018	22 d late	2018-72800026
31-03-2017	31-10-2017	08-01-2018	69 d late	2018-00900182
31-03-2016	31-10-2016	14-11-2016	14 d late	2016-68000445

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Long-established

Founded in 1995, 30 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.3% Very low

0%0,5%1,5%4%10%≥25%

Long track record −Lower-risk legal form −Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€23k-1.4%

Working capital€-91k+8.9%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 24-11-2025 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Equity: stable across 7 fiscal years (±1.5%/year).

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	79.4%	35.3%	better than 83% of 874 sector peers
Net result	€23k	€10k	better than 65% of 873 sector peers
Equity	€1.11M	€40k	better than 95% of 875 sector peers
Gross operating margin	€99k	€33k	better than 79% of 872 sector peers
Staff costs	€44k	€33k	higher than 62% of 229 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P83

Stable position over 2020-2025 · n=874-3380

Net result P65

Stable position over 2020-2025 · n=873-3366

Equity P95

Stable position over 2020-2025 · n=875-3387

Gross operating margin P79

Stable position over 2020-2025 · n=872-3352

Describes the position versus peers, not a forecast.

EBITDA

€53k

-7.5% 19-25

Net profit

€23k

-1.4% 19-25

Cash flow

€27k

+1.1% 19-25

Total assets

€1.40M

-1.3% 19-25

Equity

€1.11M

+1.9% 19-25

Working capital

€-91k

+8.9% 19-25

Employees (FTE)

1

0.0% 19-25

Staff costs

€44k

+10.9% 19-25

Show 12 other metrics

Income taxes

€16k

-49.3% 19-25

Dividends

€2k

-97.7% 19-25

Debt

€287k

-12.0% 19-25

Debt ≤ 1y

€134k

-19.3% 19-25

Debt > 1y

€153k

-5.0% 19-25

Current ratio

0.32

-19.4% 19-25

Quick ratio

0.32

-19.4% 19-25

Solvency

79.4%

+3.3% 19-25

Debt / equity

0.26

-13.7% 19-25

ROE

2.0%

-3.2% 19-25

ROA

1.6%

-0.1% 19-25

Interest coverage

5.31

-84.7% 19-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€53k
Net profit	€23k
Cash flow	€27k
Staff costs	€44k
Income taxes	€16k
Dividends	€2k
Total assets	€1.40M
Equity	€1.11M
Debt	€287k
of which ≤ 1y	€134k
of which > 1y	€153k
Working capital	€-91k
Employees (FTE)	1.0

Ratios (computed)

	2025
Current ratio	0.32
Quick ratio	0.32
Working capital ratio	-6.5%
Solvency	79.4%
Debt / equity	0.26
Long-term debt ratio	0.14
Interest coverage	5.31
Gross margin	-
Net margin	-
ROA	1.6%
ROE	2.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €1.35M · 96.9% Current assets €43k · 3.1%

Equity & liabilities

Equity €1.11M · 79.4% Debt €287k · 20.6%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.40M
Fixed assets	21/28	€1.35M
Tangible fixed assets	22/27	€16k
Financial fixed assets	28	€1.34M
Current assets	29/58	€43k
Amounts receivable within one year	40/41	€42k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.40M
Equity	10/15	€1.11M
Contributions / capital	10/11	€65k
Reserves	13	€529k
Accumulated profits (losses)	14	€515k
Amounts payable	17/49	€287k
Amounts payable after one year	17	€153k
Amounts payable within one year	42/48	€134k
Trade debts payable within one year	44	€77k
Income statement
Gross operating margin	9900	€99k
Operating result	9901	€48k
Financial charges	65	€10k
Result before taxes	9903	€38k
Income taxes	67/77	€16k
Net result for the period	9904	€23k
Result to be appropriated	9905	€23k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

56 / 100 Fair

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

9 companies at this address See who is registered here

Establishment units

1 location

B-YOUNG

Jetsestraat 59, 1853 Grimbergende groothandel in fournituren : naaigaren, band, lint, enz.

since 19962.075.015.486

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area959 m²

Buildings1

Building footprint371 m²

Volume (LiDAR)4,509 m³

Tallest building15.3 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23084A0525/00X002	Flanders	959 m²	1 · 371 m²	15.3 m · 4 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.