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N.Y.C.

Active
Public limited companyfounded 196857 yrs activeChaussée de Bruxelles 4/A, 1470 Genappe, BelgiumKBO/BCE: BE 0405.923.620
Summary

N.Y.C. has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.7m and a net result of €272,210. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 75% of 6550 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch ReportCompare
N.Y.C.ActiveChecked score 86/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of hardware, building materials, paint and glass (general range)
NACE 47521NACE 52462
#1 oldest company in Genappe, Wholesale and retail trade sector1 site
Size
€3.5mturnover 2024
Staff
8.1 FTE
Equity
€1.7m
Profit
€272,210
Financial health
86 Excellent Checked score 2024
Bankruptcy chance 12 m
0.4%
Structure
Parent
ARGAYON · 100%
Accounts 66 d overdue0 of 17 deeds read
Why 86- Figures for FY 2024 (filed 24-10-2025)+ Founded in 1968+ Liquidity: current ratio 2.71, cash €416,811+ Equity €1.7m (57.7% of total assets)Show the evidence

Checked score

Score 2024
86 / 100
Excellent
Probability in this band: under 0.55%
Better than 60% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Strong
Solvency 83-3
equity 57.7% of total assets
Liquidity 61+1
short-term debt 20.9% · cash 13.9%
Profitability 77-4
return on assets 9.1%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,156 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%● 0.0% vs 12-2024 02-2025: 0.1%▼ -4.9% vs 01-2025 03-2025: 0.1%▼ -1.0% vs 02-2025lowest value 04-2025: 0.1%● 0.0% vs 03-2025lowest value 05-2025: 0.1%▲ +4.2% vs 04-2025 06-2025: 0.1%▼ -2.0% vs 05-2025 07-2025: 0.1%▲ +22.4% vs 06-2025 08-2025: 0.2%▲ +67.5% vs 07-2025 09-2025: 0.2%▲ +13.9% vs 08-2025 10-2025: 0.3%▲ +45.9% vs 09-2025 11-2025: 0.1%▼ -68.3% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%● 0.0% vs 12-2025 02-2026: 0.1%● 0.0% vs 01-2026 03-2026: 0.1%▼ -1.9% vs 02-2026 04-2026: 0.1%● 0.0% vs 03-2026 05-2026: 0.1%▲ +3.8% vs 04-2026 06-2026: 0.1%▼ -2.8% vs 05-2026 07-2026: 0.1%▲ +2.9% vs 06-2026 08-2026: 0.2%▲ +100% vs 07-2026 09-2026: 0.3%▲ +16.2% vs 08-2026 10-2026: 0.4%▲ +41.8% vs 09-2026highest value
  • Founded in 1968 lowers the probability for this profile
  • Figures for FY 2024 (filed 24-10-2025) raises the probability
  • Liquidity: current ratio 2.71, cash €416,811 lowers the probability
  • Equity €1.7m (57.7% of total assets) lowers the probability
Credit up to €140,000 at 30 days acceptable
Liquidity ample (current ratio 2.71 against 2.77 in 2023; short-term debt: 20.9% and cash: 13.9% of total assets), and 42.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 71%, liquidity 67%, profitability 66%, growth against the median 34%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Founded in 1968
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Figures for FY 2024 (filed 24-10-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Liquidity: current ratio 2.71, cash €416,811
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €1.7m (57.7% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-10-2025, 77 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 · 10 filings
Deviation from the deadline
2025
not confirmed
2024
77 d late
2023
82 d late
2022
134 d late
2021
135 d late
2020
107 d late
2019
100 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 106 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
  1. Annual accounts filedfiscal year 2024 · full…
  2. Annual accounts filedfiscal year 2023 · full…
  3. Annual accounts filedfiscal year 2022 · full…

Key points

  • Positive: Oldest company in Genappe, Wholesale and retail trade…in the Checked rankings #1 View
  • Caution: Accounts not fileddeadline was 31-07-2026 66 d late View
  • Controlled by ARGAYONknown shareholders 100% 100% View
  • Positive: 7 profitable years in a rowprofit 2024: €272,210 7 years View
  • Active since 1968founded 25-10-1968 57 years View

By topic

Financials

Fiscal year
2024
Turnover
€3.5m
Profit
€272,210
Solvency
57.7%
Turnover▼ 1.6%
Net result
20182024
Go to Financials

Timeline

Events
12
Since
2016
  1. 16-10-2025Annual accounts filed
  2. 21-10-2024Annual accounts filed
  3. 12-12-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Retail sale of hardware, building materials, paint and…NACE 47521
Founded
25-10-1968
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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