CAL-YOUPY
ActiveThe computed 12-month bankruptcy probability of CAL-YOUPY is 1.8% (moderate). The 2024 annual accounts show equity of €193k and a net result of €43k. Equity is growing by ~28.2% per year across the filed fiscal years. Its solvency ranks better than 80% of 18936 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
85
/ 100
Excellent▼ -8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.93 against 2.33 in 2023), and 34.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · 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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
83 d late
2022
67 d late
2021
79 d late
2020
60 d late
2019
133 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€193k▲ 28.7%
2023 · €150k
2018: €38k
2019: €71k
2020: €59k
2021: €94k
2022: €98k
2023: €150k
2018 → 2024
Total assets
€296k▲ 13.4%
2023 · €261k
2018: €196k
2019: €187k
2020: €170k
2021: €207k
2022: €205k
2023: €261k
2018 → 2024
Net result
€43k▼ 17.9%
2023 · €53k
2018: €11k
2019: €34k
2020: €-12k
2021: €34k
2022: €4k
2023: €53k
2018 → 2024
Working capital
€192k▲ 31.1%
2023 · €146k
2018: €36k
2019: €67k
2020: €55k
2021: €89k
2022: €93k
2023: €146k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€59k-€94k▲ 57.6%€98k▲ 4.3%€150k▲ 53.8%€193k▲ 28.7%
Operating result€-10k-€39k€8k▼ 79.0%€76k▲ 822%€66k▼ 12.8%
Net result€-12k-€34k€4k▼ 88.1%€53k▲ 1,196%€43k▼ 17.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 13% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €296k
Fixed assets
€5k=
Current assets
€291k▲ 13.6%
Equity and liabilities €296k
Equity
€193k▲ 28.7%
Debt
€103k▼ 7.4%
The debt ratio falls from 42.5% to 34.7%: equity grows while debt is paid down.
Key figures and ratios
Solvency
65.3%▲
2023 · 57.5%
Current ratio
2.93▲
2023 · 2.33
Quick ratio
2.86▲
2023 · 2.17
Debt / equity
0.53▼
2023 · 0.74
ROE
22.3%▼
2023 · 35.0%
ROA
14.6%▼
2023 · 20.1%
Debt
€103k▼
2023 · €111k
Debt ≤ 1 year
€100k▼
2023 · €110k
Income taxes
€19k▼
2023 · €19k
Staff costs
€116k▼
2023 · €146k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€261k€296k▲
Fixed assets21/28€5k€5k=
Tangible fixed assets22/27€5k€5k=
Land and buildings22€5k€5k=
Financial fixed assets28€141€141=
Current assets29/58€256k€291k▲
Stocks and contracts in progress3€17k€7k▼
Stocks30/36€17k€7k▼
Amounts receivable within one year40/41€98k€95k▼
Trade receivables40€96k€89k▼
Other amounts receivable41€1k€6k▲
Current investments50/53€298€299▲
Cash at bank and in hand54/58€141k€184k▲
Deferred charges and accrued income490/1€111€5k▲
Equity and liabilities
Total equity and liabilities10/49€261k€296k▲
Equity10/15€150k€193k▲
Contributions10/11€42k€42k=
Reserves13€7k€7k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Tax-exempt reserves132€3k€3k=
Profit (loss) carried forward14€101k€144k▲
Amounts payable17/49€111k€103k▼
Amounts payable within one year42/48€110k€100k▼
Trade debts44€32k€35k▲
Suppliers440/4€32k€35k▲
Taxes, remuneration and social security45€57k€47k▼
Taxes450/3€22k€20k▼
Remuneration and social security454/9€36k€27k▼
Other amounts payable47/48€21k€18k▼
Accrued charges and deferred income492/3€913€3k▲
Income statement
Code20232024
Remuneration, social security and pensions62€146k€116k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0€10k▲
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€225k€197k▼
Operating profit (loss)9901€76k€66k▼
Financial income75/76B€0€145▲
Recurring financial income75€0€145▲
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€72k€62k▼
Income taxes67/77€19k€19k▼
Profit (loss) for the period9904€53k€43k▼
Profit (loss) for the period to be appropriated9905€53k€43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€101k€144k▲
Profit (loss) brought forward from the previous period14P€48k€101k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
22-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 83 days late
2023
31-12
Financial
Highest result since 2018net €53k ▲1196%
Operating result €76k, net result €53k, both a record.
31-12
Financial
Equity above €150kEq €150k ▲53.8%
3 profitable years in a row build equity to €150k.
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 67 days late
2022
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 79 days late
2021
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
31-12
Financial
Weakest financial yearnet €-12k ▼135%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
11-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 133 days late
2019
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
03-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 64 days late
18-04
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 261 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Saint-Nicolas · 1 establishment unit since 2015
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.
Rue du Potay 8/A4420 Saint-NicolasGround area
2,508 m²
Building footprint
2,260 m²
Volume, LiDAR
23,716 m³
2 parcels, Wallonia · tallest building 13.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
YOUPY
since 20152.243.202.402
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62087B0259/00M002 | Wallonia | 2,262 m² | 1 · 2,158 m² | 13.3 m · 4 fl. |
| 62073A0038/00M000 | Wallonia | 247 m² | 1 · 102 m² | 8.7 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 siteLiège2.243.202.402
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Of 21,621 companies in sector 56112 we hold annual accounts for 9,654. 6,701 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-04-2015
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
46389Wholesale of other food products
47242Retail sale of chocolate and confectionery
47252Retail sale of beverages, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0491/081.310