BYM TECHNICAL & ENGINEERING
ActiveSummary
The computed 12-month bankruptcy probability of BYM TECHNICAL & ENGINEERING is 1.6% (moderate). The annual accounts of BYM TECHNICAL & ENGINEERING for financial year 2025 show a net loss of 77% of the equity at the start of that year. The 2025 annual accounts show equity of €1,188 and a net result of -€1,812. Equity has been shrinking by about 25% per year since 2023. If that trend continues, it turns negative around financial year 2028. Its solvency ranks better than 19% of 34,954 sector peers (NACE 43, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 23-11-2022 Normal situation
- Activity
- Installation of electric heating, air conditioning, cooling and ventilation NACE 43222and 1 other
- Establishment unit
- 2.339.868.642 1090 Jette, since 23-11-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 02-04-2026
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.6%
- Turnover
- €12,028
- Loss
- €1,812
- Equity
- €1,188
- ▼ 49.8%
- Total assets
- €7,096
- ▲ 114%
- 2025 accounts filed 31 days after the deadline
Score breakdownraises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearLast filed accounts filed 31 days late; 1 of the last 3 accounts lateFounded in 2022Equity €1,188 (16.7% of total assets)lowers riskLiquidity: current ratio 1.09, cash €5,066Show the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
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 43, micro). It does better than 19% of them on solvency, 50% on liquidity, 4% on profitability and 9% on growth.
The bankruptcy probability was computed on 03-11-2026 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.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 3 accounts on average 19 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 31 days after the deadline Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00484206.
Annual accounts 2025 filed on 31-08-2026 at the NBB all 3 filings
Every figure per financial year
The operating result for 2025 is a loss of €1,593, against a loss of €633 in 2023. Comparable figures for the intervening years are unavailable.
Investments
| Item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Tangible fixed assets | - | - | €979 |
| Intangible fixed assets | €317 | - | - |
| Depreciation and write-downs of the year | €317 | - | €643 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Turnover70 | - | - | €12,028 | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | €12,978 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €317 | - | €643 | - |
| Gross operating margin9900 | -€317 | - | -€950 | - |
| Operating profit (loss)9901 | -€633 | - | -€1,593 | - |
| Financial charges65/66B | - | - | €219 | - |
| Recurring financial charges65 | - | - | €219 | - |
| Profit (loss) for the period before taxes9903 | -€633 | - | -€1,812 | - |
| Profit (loss) for the period9904 | -€633 | - | -€1,812 | - |
| Profit (loss) for the period to be appropriated9905 | -€633 | - | -€1,812 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €3,317 | €3,317 | €7,096 | ▲ 114% |
| Formation expenses20 | - | €317 | - | - |
| Fixed assets21/28 | €317 | - | €653 | - |
| Intangible fixed assets21 | €317 | - | - | - |
| Tangible fixed assets22/27 | - | - | €653 | - |
| Furniture and vehicles24 | - | - | €653 | - |
| Current assets29/58 | €3,000 | €3,000 | €6,443 | ▲ 115% |
| Amounts receivable within one year40/41 | €3,000 | €3,000 | €1,377 | ▼ 54.1% |
| Other amounts receivable41 | €3,000 | €3,000 | €1,377 | ▼ 54.1% |
| Cash at bank and in hand54/58 | - | - | €5,066 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €3,317 | €3,317 | €7,096 | ▲ 114% |
| Equity10/15 | €2,367 | €2,367 | €1,188 | ▼ 49.8% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | -€633 | -€633 | -€1,812 | ▼ 186% |
| Amounts payable17/49 | €950 | €950 | €5,908 | ▲ 522% |
| Amounts payable within one year42/48 | €950 | €950 | €5,908 | ▲ 522% |
| Other amounts payable47/48 | €950 | €950 | €5,908 | ▲ 522% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€633 | - | -€1,812 | - |
| + Depreciation and write-downs630 | €317 | - | €643 | - |
| Operating cash flow (approximation) | -€317 | - | -€1,169 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 1,207 companies had the same profile as BYM TECHNICAL & ENGINEERING has now. Two years later, 90.1% were still going and 4.6% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
Another 0.7% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BYM TECHNICAL & ENGINEERING itself: 1.6% within 12 months.
Test of the method
The method was tested on the 497,446 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 1,207 companies, not a prediction for BYM TECHNICAL & ENGINEERING. 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.
Board & ownership
Directors
Owners and capital
Shareholders
- BAHI YOUSSEF 75 shares
- DAIKI YOUSSEF 25 shares
- BAHI YOUSSEF to DAIKI YOUSSEF 25 shares
- BAHI Youssef 100 shares (100%)
Capital transactions
- 25-11-2022 Incorporation · 100 shares
The directors' other companies
1 other company of this director went bankrupt (2025).
- AG 33 COMPANY bankruptcy on 19-08-2025Official Gazettemandate 2023 to 2025
Source: Belgian Official Gazette (bankruptcies, judicial dissolutions, board mandates), FPS Economy (strike-offs) and the KBO register. A bankruptcy, dissolution or strike-off says nothing about the director's part in it.
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| BAHI Youssef |
|
| DAIKI Youssef |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “1, administrateurs”
Articles of association, deed of 25-11-2022 (in French)
Network & group
Connections & network
1 connected companyThe connected companies are in the list below.
Timeline
Acts, filings and financial milestones
20-12
Gazette deed
Transfer of 25 sharesAppointment: DAIKI YOUSSEF (director) · Shareholding5 points ▸
- General meeting, 05-12-2022
- Share transfer, BAHI YOUSSEF → DAIKI YOUSSEF
- Director appointment, DAIKI YOUSSEF (director)
- BAHI YOUSSEF holds 75 shares
- DAIKI YOUSSEF holds 25 shares
25-11
Gazette deed
IncorporationAppointment: BAHI Youssef (director) · Founder · Founding capital6 points ▸
- Incorporation, 17-11-2022
- Founder, BAHI Youssef
- Other provision, “exercice de la fonction du notaire instrumentant, avenue Eugène Demolder,49,1030 Schaerbeek” (deed in French)
- Founding capital
- Director appointment, BAHI Youssef (director (not named in the articles))
- Registered office clause, “1090 Jette, Avenue de Levis Mirepoix 90” (deed in French)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0793.867.004
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21464D0161/00G012 | Brussels | 134 m² | 1 · 84 m² | 12.9 m · 3 |