D4Y
ActiveThe computed 12-month bankruptcy probability of D4Y is 1.7% (moderate). The 2025 annual accounts show equity of €4.98M and a net result of €-92k. Its solvency ranks better than 83% of 4149 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+71
Solvency96▼-4
Growth72
Track record82
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days only on tighter terms
Liquidity short (current ratio 0.14 against 0.29 in 2024; short-term debt: 28.6% and cash: 0.1% of total assets), and 28.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
71.4%
Return on assets
-1.3%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2425
2024 to 2025 · latest year €-92k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€282k▲ 2,657%
2024 · €10k
2024: €10k
2024 → 2025
EBIT margin
-32.5%▲ 3204.7pp
2024 · -3237.1%
2024: -3237.1%
2024 → 2025
Net result
€-92k▲ 72.1%
2024 · €-331k
2024: €-331k
2024 → 2025
Working capital
€-1.71M▼ 1,671%
2024 · €-97k
2024: €-97k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Turnover€10k-€282k▲ 2,657%
Equity€5.07M-€4.98M▼ 1.8%
Operating result€-331k-€-92k▲ 72.3%
Net result€-331k-€-92k▲ 72.1%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €92k in 2025 against €331k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.97M
Fixed assets
€6.69M▲ 29.5%
Current assets
€279k▲ 590%
Equity and liabilities €6.97M
Equity
€4.98M▼ 1.8%
Debt
€1.99M▲ 1,353%
The debt ratio rises from 2.6% to 28.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€189k▲
2024 · €-70k
Cash flow
€188k▲
2024 · €-70k
Solvency
71.4%▼
2024 · 97.4%
Current ratio
0.14▼
2024 · 0.29
Quick ratio
0.14▼
2024 · 0.29
Debt / equity
0.40▲
2024 · 0.03
ROE
-1.9%▲
2024 · -6.5%
ROA
-1.3%▲
2024 · -6.4%
Interest coverage
245.26▲
2024 · -403.78
Debt
€1.99M▲
2024 · €137k
Debt ≤ 1 year
€1.99M▲
2024 · €137k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€5.21M€6.97M▲
Fixed assets21/28€5.17M€6.69M▲
Intangible fixed assets21€5.16M€4.89M▼
Tangible fixed assets22/27€4k€29k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24-€11k
Other tangible fixed assets26€4k€16k▲
Financial fixed assets28-€1.77M
Current assets29/58€40k€279k▲
Stocks and contracts in progress3-€942
Stocks30/36-€942
Amounts receivable within one year40/41€5k€270k▲
Trade receivables40€1k€262k▲
Other amounts receivable41€4k€8k▲
Cash at bank and in hand54/58€35k€7k▼
Deferred charges and accrued income490/1-€735
Equity and liabilities
Total equity and liabilities10/49€5.21M€6.97M▲
Equity10/15€5.07M€4.98M▼
Contributions10/11€5.40M€5.40M=
Capital10€5.40M€5.40M=
Issued capital100€15.40M€15.40M=
Uncalled capital101€10.00M€10.00M=
Profit (loss) carried forward14€-331k€-424k▼
Amounts payable17/49€137k€1.99M▲
Amounts payable within one year42/48€137k€1.99M▲
Trade debts44€19k-
Suppliers440/4€19k-
Other amounts payable47/48€118k€1.99M▲
Accrued charges and deferred income492/3€31€1k▲
Income statement
Code20242025
Turnover70€10k€282k▲
Goods, raw materials, services and sundry goods60/61€79k€96k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€262k€281k▲
Other operating charges640/8€507€2k▲
Gross operating margin9900€-69k€191k▲
Operating profit (loss)9901€-331k€-92k▲
Financial income75/76B€256€34▼
Recurring financial income75€256€34▼
Financial charges65/66B€173€771▲
Recurring financial charges65€173€771▲
Profit (loss) for the period before taxes9903€-331k€-92k▲
Profit (loss) for the period9904€-331k€-92k▲
Profit (loss) for the period to be appropriated9905€-331k€-92k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-331k€-424k▼
Profit (loss) brought forward from the previous period14P-€-331k
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
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
NBB filing
Directors · office · real estate
Directors
4 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, Leuven · 1 establishment unit since 2024
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.
Tiensesteenweg 3543000 LeuvenGround area
933 m²
Building footprint
921 m²
Volume, LiDAR
3,661 m³
Parcel 24514A0097/00B005, Flanders · tallest building 5.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
D4Y
since 20242.355.723.093
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24514A0097/00B005 | Flanders | 933 m² | 1 · 921 m² | 5.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
INTERNATIONAL ASSOCIATION OF SEDIMENTOLOGISTS
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BE 0419.610.518
Lier · Eq €4.87M
LESAGE - HUYSENTRUYT
BE 0456.814.570
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DISTRILED TOURNAI
BE 0819.105.810
Zwevegem · Eq €4.67M
VAN ASSCHE
BE 0461.061.388
Gent · Eq €4.67M
Of 12,959 companies in sector 47120 we hold annual accounts for 2,190. 377 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-01-2024
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:fernand@deal4you.com
E-mail:info@lokarea.com
Phone:+32(0)23421236