Equity
€328,134 ▲ 9.3%
K & Y has made a profit without a break since 2012.
K & Y
Lifetime
19 annual accounts with figures on one time axis, 28 filings since 1997peak €172,856 (2012)
€101,556▼ 22.9%
lowest -€55,046 (2011)
€27,855▼ 39.1%
peak €328,134 (2025)
€328,134▲ 9.3%
€7,233▼ 91.2%
peak 1.2 FTE (2007)
-not published
Board1 name since 2023
1 directorVan Oirschot Dirk
Documentsfilings and deeds
15-06-202646 days before the deadline
2025micro format
Gross margin from €131,793 to €101,556Result from €45,774 to €27,855Debts from €82,091 to €7,233
Key points
from the 2025 annual accountsChecked score
69
Healthy
Financially stronger than 66% of micro companies in land transport (NACE 49)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 9,092 companies (NACE 49, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 7.2%highest value
01-2025: 1.9%▼ -5.3 percentage points vs 12-2024
02-2025: 1.9%● unchanged vs 01-2025
03-2025: 1.9%● unchanged vs 02-2025
04-2025: 1.9%● unchanged vs 03-2025
05-2025: 1.8%▼ -0.1 percentage points vs 04-2025
06-2025: 1.7%▼ -0.1 percentage points vs 05-2025
07-2025: 1.9%▲ +0.2 percentage points vs 06-2025
08-2025: 2.3%▲ +0.4 percentage points vs 07-2025
09-2025: 2.5%▲ +0.2 percentage points vs 08-2025
10-2025: 3.2%▲ +0.7 percentage points vs 09-2025
11-2025: 1.5%▼ -1.7 percentage points vs 10-2025
12-2025: 1.5%● unchanged vs 11-2025
01-2026: 1.5%● unchanged vs 12-2025
02-2026: 1.5%● unchanged vs 01-2026
03-2026: 1.5%● unchanged vs 02-2026
04-2026: 1.5%● unchanged vs 03-2026
05-2026: 1.5%● unchanged vs 04-2026
06-2026: 1.5%● unchanged vs 05-2026
07-2026: 0.8%▼ -0.7 percentage points vs 06-2026lowest value
08-2026: 0.8%● unchanged vs 07-2026lowest value
09-2026: 0.8%● unchanged vs 08-2026lowest value
10-2026: 0.8%● unchanged vs 09-2026lowest value
11-2026: 0.8%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
2 of the last 3 accounts late
Size: total assets €335,367
Sector: Land transport and transport via pipelines (NACE 49)
lowers risk
Founded in 1995
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 49, micro). It does better than 92% of them on solvency, 54% on liquidity, 63% on profitability and 54% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as K & Y has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of K & Y itself is higher: 0.8% within 12 months. It rests on far more data about K & Y than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for K & Y. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €22,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 6.11 (1.08 in 2024), above the usual 1.5. Short-term debt is 2.2% and cash 0.5% of total assets. 2.2% of the assets are financed with debt and provisions.
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Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 days early
2024
60 days late
2023
153 days late
2021
145 days early
2020
185 days late
2019
85 days late
2018
8 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 41 days after the deadline. In the sector (NACE 49), the median for financial year 2024 was on the deadline day, and 49% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 September (4 of the last 5 accounts filed within 125 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0455873373
First establishment
Matenstraat 116, Niel
Incorporation
published on 19-09-1995 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| K & Y Niel | €335,367 | €101,556 | 97.8% | - |
| TRIMEX Stabroek | €320,686 | €92,401 | 60.7% | - |
| D&M TRANSPORT Hoogstraten | €334,210 | €96,552 | 54.0% | - |
| TRANSPORT POELS Merksplas | €364,243 | €102,875 | 62.9% | - |
| HAESAERTS for HYDROGEN BELGIUM Meerhout | €374,690 | €99,060 | 86.4% | - |
| TRANSPORT OORTS MARC Beerse | €326,716 | €102,813 | 61.2% | - |
| L & P Trans Kasterlee | €377,005 | €103,957 | 77.3% | - |
These companies have the same main activity as K & Y: freight transport by road (NACE 49410). They are comparable in size and age: total assets between €321,000 and €377,000, founded between 1990 and 1998.
Official details
Source: KBO- Status
- Active since 23-08-1995Normal situation
- Activity
- Freight transport by roadNACE 49410and 1 other
- Establishment unit
- 2.073.138.6362845 Niel, since 22-09-1995
- Financial year end
- 31 December
- Peppol
- Reachable since 18-03-2025
Annual accounts 2025
- ≈ €250,000estimated
- €335,367▼ 12.3%
- Filing
- Filed on 15-06-2026, 46 days before the end of the filing period
Insights on K & Y
K & Y files the micro format. That format states no turnover. The gross margin fell from €159,318 in 2006 to €101,556 in 2025.
The balance sheet grew most from 2009 to 2011 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about K & Y
- What is the company number of K & Y?
- The company number of K & Y is 0455.873.373. The VAT number is the same number with BE in front: BE 0455.873.373.
- Where is K & Y based?
- The registered office is at Matenstraat 116-118, 2845 Niel.Company details
- What does K & Y do?
- According to the KBO register, the main activity is freight transport by road (NACE 49410).
- What is the legal form of K & Y?
- K & Y is a public limited company (NV).
- When was K & Y founded?
- K & Y was founded on 23-08-1995.
- Is K & Y still active?
- Yes, K & Y is an active enterprise in the KBO register.
- What is the turnover of K & Y?
- The turnover in financial year 2025 is ≈ €250,000. This figure is estimated from the gross margin of €101,556 and 64 comparable companies (NACE 49410). It probably lies between €220,000 and €350,000.Financials
- Is K & Y profitable?
- In financial year 2025, K & Y made a profit of €27,855.
- Where can I find the annual accounts of K & Y?
- K & Y filed 28 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of K & Y due?
- K & Y must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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