Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of ETS GERMAY-YUME is 2.9% (moderate). The 2025 annual accounts show equity of €15k and a net result of €9k. Its solvency ranks better than 13% of 2871 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Signals
1 signal · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 2871 sector peers (2025).
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
3 signalsMore than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
0 events
No administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.9%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€9k
Working capital€-74k+17.1%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 30-01-2026 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 8.6% | 43.4% | |
| Net result | €9k | €13k | |
| Equity | €15k | €44k | |
| Gross operating margin | €66k | €39k | |
| Staff costs | €34k | €30k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€30k
+211.3%
+286% vs sector
€9k
-
far above sector median
€27k
+222.4%
+291% vs sector
€176k
+1.9%
+184% vs sector
€15k
+150.5%
-57% vs sector
€-74k
+17.1%
far below sector median
2
+100.0%
-66% vs sector
€34k
+108.8%
-94% vs sector
€2k
+2509.6%
+212% vs sector
€161k
-3.5%
far above sector median
€158k
-2.1%
far above sector median
€3k
-44.3%
+234% vs sector
0.53
+18.7%
-72% vs sector
0.50
+21.2%
-63% vs sector
8.6%
+145.8%
-85% vs sector
10.62
-61.5%
far above sector median
60.1%
-
far above sector median
5.2%
-
far above sector median
21.73
+153.6%
+98% vs sector
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Revenue | - |
| EBITDA | €30k |
| Net profit | €9k |
| Cash flow | €27k |
| Staff costs | €34k |
| Income taxes | €2k |
| Dividends | - |
| Total assets | €176k |
| Equity | €15k |
| Debt | €161k |
| of which ≤ 1y | €158k |
| of which > 1y | €3k |
| Working capital | €-74k |
| Employees (FTE) | 2.0 |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 0.53 |
| Quick ratio | 0.50 |
| Working capital ratio | -41.9% |
| Solvency | 8.6% |
| Debt / equity | 10.62 |
| Long-term debt ratio | 0.20 |
| Interest coverage | 21.73 |
| Gross margin | - |
| Net margin | - |
| ROA | 5.2% |
| ROE | 60.1% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €176k |
| Fixed assets | 21/28 | €92k |
| Tangible fixed assets | 22/27 | €92k |
| Current assets | 29/58 | €84k |
| Stocks & contracts in progress | 3 | €5k |
| Amounts receivable within one year | 40/41 | €13k |
| Cash & bank | 54/58 | €65k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €176k |
| Equity | 10/15 | €15k |
| Contributions / capital | 10/11 | €8k |
| Accumulated profits (losses) | 14 | €8k |
| Amounts payable | 17/49 | €161k |
| Amounts payable after one year | 17 | €3k |
| Amounts payable within one year | 42/48 | €158k |
| Trade debts payable within one year | 44 | €12k |
| Income statement | ||
| Gross operating margin | 9900 | €66k |
| Operating result | 9901 | €12k |
| Financial income | 75 | €850 |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €11k |
| Income taxes | 67/77 | €2k |
| Net result for the period | 9904 | €9k |
| Result to be appropriated | 9905 | €9k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed51
/ 100
Fair
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
1 locationETS GERMAY-YUME
since 20232.358.745.535
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,159 m²
Buildings1
Building footprint105 m²
Volume (LiDAR)996 m³
Tallest building11.3 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52018B0421/00K000 | Wallonia | 1,158 m² | 1 · 105 m² | 11.3 m · 3 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Analysis
Snowflake analysis
financial profile on 5 axes66
/ 100
Strong profile, led by profitability.
Health
51
Profitability
100
Solvency
6
Growth
78
Stability
94
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Credit advice
verdict per customer and amountSimilar
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Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
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Primary activity highlighted.
Names & trade names
| Legal nameFR | ETS GERMAY-YUME |
Registered office
Rue du Wairchat(FAR) 34
6240 Farciennes, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.