BYL

Active

Private limited companyfounded 20251 yr activeKompenhofstraat 61, 1980 Zemst, BelgiumKBO/BCE: BE 1022.510.850

The computed 12-month bankruptcy probability of BYL is 2.7% (moderate). The 2025 annual accounts show equity of €18k and a net result of €139. Its solvency ranks better than 54% of 13090 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

54 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability39

Solvency59

Growth-

Track record67

Bankruptcy probability, 12 months

2.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity ample (current ratio 2.12; short-term debt: 45% and cash: 30.9% of total assets), but 65.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.

NBB · 1 filing

Deviation from the deadline

2025

30 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€18k

Total assets

€53k

Net result

€139

Working capital

€27k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €53k

95.6%

Fixed assets €2k

Current assets €50k

Equity and liabilities €53k

34.5%

65.5%

Equity €18k

Debt €34k

Debt finances 65.5% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€904

Cash flow

€447

Solvency

34.5%

Current ratio

2.12

Quick ratio

2.12

Debt / equity

1.90

ROE

0.8%

ROA

0.3%

Interest coverage

2.36

Debt

€34k

Debt ≤ 1 year

€24k

Debt > 1 year

€11k

Income taxes

€74

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€53k

Fixed assets21/28€2k

Intangible fixed assets21€2k

Current assets29/58€50k

Amounts receivable after more than one year29€10k

Trade receivables290€10k

Amounts receivable within one year40/41€24k

Trade receivables40€23k

Other amounts receivable41€909

Cash at bank and in hand54/58€16k

Equity and liabilities

Total equity and liabilities10/49€53k

Equity10/15€18k

Contributions10/11€18k

Profit (loss) carried forward14€139

Amounts payable17/49€34k

Amounts payable after more than one year17€11k

Financial debts170/4€11k

Amounts payable within one year42/48€24k

Trade debts44€22k

Suppliers440/4€22k

Taxes, remuneration and social security45€1k

Taxes450/3€1k

Income statement Code2025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€308

Gross operating margin9900€904

Operating profit (loss)9901€596

Financial income75/76B€0

Recurring financial income75€0

Non-recurring financial income76B€0

Financial charges65/66B€383

Recurring financial charges65€383

Profit (loss) for the period before taxes9903€213

Income taxes67/77€74

Profit (loss) for the period9904€139

Profit (loss) for the period to be appropriated9905€139

Appropriation of the result

Profit (loss) to be appropriated9906€139

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

01-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

NBB filing

Directors · office · real estate

Directors

2 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, Zemst · 1 establishment unit since 2025

establishment The establishment unit on the map

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.

Kompenhofstraat 611980 Zemst

Ground area

1.7 ha

Building footprint

8,660 m²

Volume, LiDAR

56,846 m³

2 parcels, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

BYL

Mechelsesteenweg 317, 2550 KontichFull-service restaurants

since 20252.373.339.877

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11602E0099/00Y000	Flanders	1.7 ha	1 · 8,575 m²	7.7 m · 2 fl.
23020B0032/00F002	Flanders	288 m²	1 · 85 m²	9.3 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Kontich2.373.339.877

1 permission

Toelating · Traiteur · since 14-05-2025

Similar companies · same sector, comparable size

Sint-Niklaas · Eq €18k

Of 20,506 companies in sector 56111 we hold annual accounts for 11,453. 8,584 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded18-04-2025

Fiscal year end31-12

Activities, NACEBEL

56111Full-service restaurants

46170Agents in the wholesale of food, beverages and tobacco

46389Wholesale of other food products

47110Non-specialised retail sale with food, beverages or tobacco predominating

56220Contract catering and other food service activities

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress 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.