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MY & Co

Active
Private limited companyfounded 20242 yrs activeGoede Herderstraat 54, 1140 Evere, BelgiumKBO/BCE: BE 1011.507.387
Summary

The computed 12-month bankruptcy probability of MY & Co is 4.4% (elevated). The 2024 annual accounts show equity of €13,417 and a net result of €6,417. Its solvency ranks better than 43% of 26043 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
Axes
Profitability83
Solvency49
Growth-
Track record67
Bankruptcy probability, 12 months
4.4% Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.31; short-term debt: 75.9% and cash: 0% of total assets), and 75.9% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
+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 date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies more bankruptcies →
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 2024
Solvency, return and age of the figures
Solvency
24.1%
Return on assets
11.5%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filing
Deviation from the deadline
2024
31 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 31 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

MY & Co was incorporated on 12 July 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Equity
€13,417
Total assets
€55,614
Net result
€6,417
Working capital
-€29,103

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €55,614
Fixed assets €42,520
Current assets €13,094
Equity and liabilities €55,614
Equity €13,417
Debt €42,197
Debt finances 75.9% of the balance-sheet total.
Key figures and ratios
2024 value
EBITDA
€13,150
Cash flow
€11,182
Current ratio
0.31
Quick ratio
0.00
Debt to equity
3.15
ROE
47.8%
ROA
11.5%
Interest coverage
10436.45
Debt ≤ 1 year
€42,197
Income taxes
€1,967

Peer companies

Historical observation

Of the 7,976 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
3.6% went bankrupt
1.8% stopped otherwise
94% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 4.4% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.8%
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 7,976 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
Filed annual accounts As filed with the NBB · 2024 · 30 lines
Balance sheet Code2024
Assets
Total assets20/58€55,614
Fixed assets21/28€42,520
Tangible fixed assets22/27€42,520
Furniture and vehicles24€42,520
Current assets29/58€13,094
Stocks and contracts in progress3€13,068
Stocks30/36€13,068
Cash at bank and in hand54/58€26
Equity and liabilities
Total equity and liabilities10/49€55,614
Equity10/15€13,417
Contributions10/11€7,000
Profit (loss) carried forward14€6,417
Amounts payable17/49€42,197
Amounts payable within one year42/48€42,197
Trade debts44€5,706
Suppliers440/4€5,706
Taxes, remuneration and social security45€4,324
Taxes450/3€4,324
Other amounts payable47/48€32,167
Income statement Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,765
Other operating charges640/8€2,121
Gross operating margin9900€15,271
Operating profit (loss)9901€8,385
Financial charges65/66B€1
Recurring financial charges65€1
Profit (loss) for the period before taxes9903€8,384
Income taxes67/77€1,967
Profit (loss) for the period9904€6,417
Profit (loss) for the period to be appropriated9905€6,417
Appropriation of the result
Profit (loss) to be appropriated9906€6,417

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,765
Other operating charges640/8€2,121
Gross operating margin9900€15,271
Operating profit (loss)9901€8,385
Financial charges65/66B€1
Recurring financial charges65€1
Profit (loss) for the period before taxes9903€8,384
Income taxes67/77€1,967
Profit (loss) for the period9904€6,417
Profit (loss) for the period to be appropriated9905€6,417
Line2024
Assets
Total assets20/58€55,614
Fixed assets21/28€42,520
Tangible fixed assets22/27€42,520
Furniture and vehicles24€42,520
Current assets29/58€13,094
Stocks and contracts in progress3€13,068
Stocks30/36€13,068
Cash at bank and in hand54/58€26
Equity and liabilities
Total equity and liabilities10/49€55,614
Equity10/15€13,417
Contributions10/11€7,000
Profit (loss) carried forward14€6,417
Amounts payable17/49€42,197
Amounts payable within one year42/48€42,197
Trade debts44€5,706
Suppliers440/4€5,706
Taxes, remuneration and social security45€4,324
Taxes450/3€4,324
Other amounts payable47/48€32,167
Line2024
Profit (loss) for the period9904€6,417
+ Depreciation and write-downs630€4,765
Operating cash flow (approximation)€11,182

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
31-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Evere · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
8,547 m²
Building footprint
735 m²
Volume, LiDAR
13,138 m³
Parcel 21006A0199/00T007, Brussels · tallest building 22.9 m, ±7 floors. Linked by address, not a title deed.
129 companies at this address See who is registered here
1 establishment unit
MY & Co
Goede Herderstraat 54, 1140 EvereNACE 45112
since 20242.361.893.778
1 parcel
Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21006A0199/00T007 Brussels 8,547 m² 1 · 735 m² 22.9 m · 7 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.

Similar companies · same sector, comparable size

Of 10,662 companies in sector 47811 we hold annual accounts for 5,227. 2,340 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
Founded12-07-2024
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47812Retail trade
46180Agents specialised in the wholesale of other particular products
Contact
E-mail my.depannage.belgium@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:1011507387
Also 9925:BE1011507387
Registered 13-02-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.