IMMO YAN
ActiveSummary
IMMO YAN has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21,828 and a net result of -€3,706. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 44% of 28281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability10▼-90
Solvency67▼-15
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 1.83 against 4.04 in 2024; short-term debt: 47.7% and cash: 24% of total assets), but 57.8% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
42.2%
Return on assets
-7.2%
Age of the figures
9 mo
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
7 d late
2023
2 d late
2022
7 d late
2021
38 d early
2020
52 d early
2019
32 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 22 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 3 August (4 of the last 5 filed years within 41 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Equity
€21,828▼ 14.5%
2024 · €25,535
Total assets
€51,695▲ 15.4%
2024 · €44,785
Net result
-€3,706
2024 · €11,362
Working capital
€20,514▼ 38.4%
2024 · €33,282
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€8,460€3,201-€2,597€18,150-€3,133
Net result-€9,009below the sector's middle half€2,782within the sector's middle half-€2,881below the sector's middle half€11,362within the sector's middle half-€3,706below the sector's middle half
Equity€14,272below the sector's middle half▼ 38.7%€17,054below the sector's middle half▲ 19.5%€14,173below the sector's middle half▼ 16.9%€25,535within the sector's middle half▲ 80.2%€21,828within the sector's middle half▼ 14.5%
Total assets€26,764below the sector's middle half▼ 31.4%€23,249below the sector's middle half▼ 13.1%€17,571below the sector's middle half▼ 24.4%€44,785below the sector's middle half▲ 155%€51,695below the sector's middle half▲ 15.4%
Debt€12,492▼ 20.5%€6,195▼ 50.4%€3,398▼ 45.2%€19,250▲ 467%€29,867▲ 55.2%
Working capital€11,692within the sector's middle half▼ 37.7%€14,159within the sector's middle half▲ 21.1%€12,018within the sector's middle half▼ 15.1%€33,282within the sector's middle half▲ 177%€20,514within the sector's middle half▼ 38.4%
Solvency53.3%within the sector's middle half▼ 6.4pp73.4%above the sector's middle half▲ 20.0pp80.7%above the sector's middle half▲ 7.3pp57.0%within the sector's middle half▼ 23.6pp42.2%within the sector's middle half▼ 14.8pp
Current ratio2.80within the sector's middle half▼ 0.985.36above the sector's middle half▲ 2.564.90above the sector's middle half▼ 0.464.04above the sector's middle half▼ 0.861.83within the sector's middle half▼ 2.20
Return on assets (ROA)-33.7%below the sector's middle half▼ 50.0pp12.0%within the sector's middle half▲ 45.6pp-16.4%below the sector's middle half▼ 28.4pp25.4%above the sector's middle half▲ 41.8pp-7.2%below the sector's middle half▼ 32.5pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3,133 after €18,150 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €51,695
Fixed assets
€6,519 ▲ 1,105%
Current assets
€45,176 ▲ 2.1%
Equity and liabilities €51,695
Equity
€21,828 ▼ 14.5%
Debt
€29,867 ▲ 55.2%
Debt's share of the balance-sheet total rises from 43.0% to 57.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€1,307▼
2024 · €18,701
Cash flow
-€1,880▼
2024 · €11,912
Quick ratio
0.84▼
2024 · 2.30
Debt to equity
1.37▲
2024 · 0.75
ROE
-17.0%▼
2024 · 44.5%
Interest coverage
-2.27▼
2024 · 29.69
Debt ≤ 1 year
€24,662▲
2024 · €10,962
Debt > 1 year
€4,680▼
2024 · €7,813
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,910 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.1%
went bankrupt
7.8%
stopped otherwise
91%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,910 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,259 | €3,244 | €3,372 | €551 | €1,826 | ▲ 232% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €334 | - | €1,000 | - |
| Other operating charges640/8 | €682 | €370 | €861 | €745 | €2,011 | ▲ 170% |
| Gross operating margin9900 | -€2,519 | €6,814 | €1,969 | €19,446 | €1,705 | ▼ 91.2% |
| Operating profit (loss)9901 | -€8,460 | €3,201 | -€2,597 | €18,150 | -€3,133 | ▼ 117% |
| Financial income75/76B | - | - | €7 | - | €1 | - |
| Recurring financial income75 | - | - | €7 | - | €1 | - |
| Financial charges65/66B | €549 | €419 | €290 | €6,788 | €574 | ▼ 91.5% |
| Recurring financial charges65 | €549 | €419 | €290 | €630 | €574 | ▼ 8.8% |
| Non-recurring financial charges66B | - | - | - | €6,159 | - | - |
| Profit (loss) for the period before taxes9903 | -€9,009 | €2,782 | -€2,881 | €11,362 | -€3,706 | ▼ 133% |
| Profit (loss) for the period9904 | -€9,009 | €2,782 | -€2,881 | €11,362 | -€3,706 | ▼ 133% |
| Profit (loss) for the period to be appropriated9905 | -€9,009 | €2,782 | -€2,881 | €11,362 | -€3,706 | ▼ 133% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €26,764 | €23,249 | €17,571 | €44,785 | €51,695 | ▲ 15.4% |
| Fixed assets21/28 | €8,584 | €5,841 | €2,469 | €541 | €6,519 | ▲ 1,105% |
| Tangible fixed assets22/27 | €8,584 | €5,841 | €2,469 | €541 | €6,519 | ▲ 1,105% |
| Plant, machinery and equipment23 | €247 | €165 | €82 | - | €0 | - |
| Furniture and vehicles24 | €8,337 | €5,676 | €2,387 | €541 | €6,519 | ▲ 1,105% |
| Current assets29/58 | €18,180 | €17,408 | €15,102 | €44,244 | €45,176 | ▲ 2.1% |
| Stocks and contracts in progress3 | - | - | - | €19,000 | €24,550 | ▲ 29.2% |
| Stocks30/36 | - | - | - | €19,000 | €24,550 | ▲ 29.2% |
| Amounts receivable within one year40/41 | €334 | €444 | €995 | €14,760 | €6,065 | ▼ 58.9% |
| Trade receivables40 | €334 | €295 | - | €13,549 | €3,469 | ▼ 74.4% |
| Other amounts receivable41 | - | €149 | €995 | €1,211 | €2,596 | ▲ 114% |
| Cash at bank and in hand54/58 | €17,298 | €16,321 | €13,803 | €10,001 | €12,392 | ▲ 23.9% |
| Deferred charges and accrued income490/1 | €547 | €643 | €304 | €483 | €2,169 | ▲ 349% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €26,764 | €23,249 | €17,571 | €44,785 | €51,695 | ▲ 15.4% |
| Equity10/15 | €14,272 | €17,054 | €14,173 | €25,535 | €21,828 | ▼ 14.5% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | -€6,188 | -€3,406 | -€6,287 | €5,075 | €1,368 | ▼ 73.0% |
| Amounts payable17/49 | €12,492 | €6,195 | €3,398 | €19,250 | €29,867 | ▲ 55.2% |
| Amounts payable after more than one year17 | €5,734 | €2,657 | - | €7,813 | €4,680 | ▼ 40.1% |
| Financial debts170/4 | €5,734 | €2,657 | - | €7,813 | €4,680 | ▼ 40.1% |
| Amounts payable within one year42/48 | €6,488 | €3,249 | €3,084 | €10,962 | €24,662 | ▲ 125% |
| Current portion of amounts payable after more than one year42 | €2,958 | €3,076 | €2,657 | €2,998 | €3,133 | ▲ 4.5% |
| Trade debts44 | €700 | - | €427 | €1,943 | €5,623 | ▲ 189% |
| Suppliers440/4 | €700 | - | €427 | €1,943 | €5,623 | ▲ 189% |
| Taxes, remuneration and social security45 | €2,553 | €23 | - | - | - | - |
| Taxes450/3 | €1,053 | €23 | - | - | - | - |
| Remuneration and social security454/9 | €1,500 | - | - | - | - | - |
| Other amounts payable47/48 | €276 | €149 | €0 | €6,021 | €15,906 | ▲ 164% |
| Accrued charges and deferred income492/3 | €271 | €289 | €314 | €475 | €525 | ▲ 10.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€9,009 | €2,782 | -€2,881 | €11,362 | -€3,706 | ▼ 133% |
| + Depreciation and write-downs630 | €5,259 | €3,244 | €3,372 | €551 | €1,826 | ▲ 232% |
| Operating cash flow (approximation) | -€3,750 | €6,026 | €491 | €11,912 | -€1,880 | ▼ 116% |
| Investment in fixed assets (approximation) | - | -€500 | €0 | €1,377 | -€7,804 | ▼ 667% |
| Change in cash | - | -€978 | -€2,518 | -€3,801 | €2,391 | ▲ 163% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
31-12
Financial
Back to profitnet €11,362
Net result €11,362 after one loss-making year.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
31-12
Financial
Back to profitnet €2,782
Net result €2,782 after one loss-making year.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet -€9,009
Net result drops to -€9,009, the lowest in the series; recovery starts the following year.
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Bernissart · 1 establishment unit since 2011
Ground area
1,407 m²
Building footprint
162 m²
Volume, LiDAR
1,192 m³
Parcel 51009A0006/00C000, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Iguanodons(BER) 222, 7320 Bernissart
since 20112.197.809.370
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51009A0006/00C000 | Wallonia | 1,407 m² | 1 · 162 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 11,142 companies in sector 43910 we hold annual accounts for 5,493. 4,026 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-04-2011
Fiscal year end31-12
Activities, NACEBEL 2025
43910Bricklaying and masonry work
41001General construction of residential buildings
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
95313Repair and fitting of specific motor vehicle parts
46180Agents specialised in the wholesale of other particular products
46713Wholesale trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0835115857
Also
9925:BE0835115857
Registered
16-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.