ETS GERMAY-YUME
ActiveSummary
The computed 12-month bankruptcy probability of ETS GERMAY-YUME is 3.0% (moderate). The 2025 annual accounts show equity of €15k and a net result of €9k. Its solvency ranks better than 13% of 27786 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+7
Solvency34▲+6
Growth78
Track record94
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.53 against 0.45 in 2024; short-term debt: 89.7% and cash: 37.2% of total assets), and 91.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
1 d early
2024
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▲ 150%
2024 · €6k
2024: €6k
2024 → 2025
Total assets
€176k▲ 1.9%
2024 · €173k
2024: €173k
2024 → 2025
Net result
€9k
2024 · €-1k
2024: €-1k
2024 → 2025
Working capital
€-74k▲ 17.1%
2024 · €-89k
2024: €-89k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€6k-€15k▲ 150%
Operating result€-237-€12k
Net result€-1k-€9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €12k after a loss of €237 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €176k
Fixed assets
€92k ▼ 8.4%
Current assets
€84k ▲ 16.2%
Equity and liabilities €176k
Equity
€15k ▲ 150%
Debt
€161k ▼ 3.5%
Debt's share of the balance-sheet total falls from 96.5% to 91.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€30k▲
2024 · €10k
Cash flow
€27k▲
2024 · €8k
Current ratio
0.53▲
2024 · 0.45
Quick ratio
0.50▲
2024 · 0.42
Debt to equity
10.62▼
2024 · 27.57
ROE
60.1%▲
2024 · -24.1%
ROA
5.2%▲
2024 · -0.8%
Interest coverage
21.73▲
2024 · 8.57
Debt ≤ 1 year
€158k▼
2024 · €161k
Debt > 1 year
€3k▼
2024 · €5k
Income taxes
€2k▲
2024 · €89
Staff costs
€34k▲
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€173k€176k▲
Fixed assets21/28€100k€92k▼
Tangible fixed assets22/27€100k€92k▼
Plant, machinery and equipment23€95k€87k▼
Furniture and vehicles24€5k€5k▼
Current assets29/58€72k€84k▲
Stocks and contracts in progress3€5k€5k▼
Stocks30/36€5k€5k▼
Amounts receivable within one year40/41€33k€13k▼
Trade receivables40€33k€12k▼
Other amounts receivable41€96€589▲
Cash at bank and in hand54/58€12k€65k▲
Deferred charges and accrued income490/1€22k€1k▼
Equity and liabilities
Total equity and liabilities10/49€173k€176k▲
Equity10/15€6k€15k▲
Contributions10/11€8k€8k=
Profit (loss) carried forward14€-1k€8k▲
Amounts payable17/49€167k€161k▼
Amounts payable after more than one year17€5k€3k▼
Financial debts170/4€5k€3k▼
Amounts payable within one year42/48€161k€158k▼
Current portion of amounts payable after more than one year42€2k€2k▲
Trade debts44€16k€12k▼
Suppliers440/4€16k€12k▼
Advances received on contracts in progress46€6k€8k▲
Taxes, remuneration and social security45€11k€16k▲
Taxes450/3€5k€8k▲
Remuneration and social security454/9€6k€8k▲
Other amounts payable47/48€126k€120k▼
Income statement
Code20242025
Remuneration, social security and pensions62€16k€34k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€18k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€900-
Gross operating margin9900€28k€66k▲
Operating profit (loss)9901€-237€12k▲
Financial income75/76B-€850
Recurring financial income75-€850
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€-1k€11k▲
Income taxes67/77€89€2k▲
Profit (loss) for the period9904€-1k€9k▲
Profit (loss) for the period to be appropriated9905€-1k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€8k▲
Profit (loss) brought forward from the previous period14P-€-1k
The notes to these accounts (6 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Farciennes · 1 establishment unit since 2023
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 Wairchat(FAR) 346240 FarciennesGround area
1,159 m²
Building footprint
105 m²
Volume, LiDAR
996 m³
Parcel 52018B0421/00K000, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ETS GERMAY-YUME
since 20232.358.745.535
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52018B0421/00K000 | Wallonia | 1,158 m² | 1 · 105 m² | 11.3 m · 3 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
4LIFT
BE 1004.791.128
Antwerpen · Eq €15,149
Maseth
BE 0435.313.333
Wetteren · Eq €15,175
DAV BELGIUM
BE 0649.427.272
Tournai · Eq €15,206
BELAY
BE 0798.182.811
Wemmel · Eq €15,211
Unio Design
BE 0756.494.189
Assesse · Eq €15,213
Of 4,097 companies in sector 43240 we hold annual accounts for 1,632. 1,046 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2023
Fiscal year end30-06
Activities, NACEBEL 2025
43240Other construction installation
96220Beauty care and other beauty treatments
43211General electrical installation work
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:ets-germay@hotmail.com
Phone:071393170