PHOTO4YOU
ActivePHOTO4YOU has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €224k and a net result of €44k. Equity is growing by ~51.1% per year across the filed fiscal years. Its solvency ranks better than 71% of 4360 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
100
/ 100
Excellent▲ +7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability98▲+17
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 2.23 against 2.37 in 2023), and 28.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-07-2025, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
30 d early
2023
27 d late
2022
6 d early
2021
30 d late
2020
32 d early
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€224k▲ 24.5%
2023 · €180k
2018: €29k
2019: €23k
2020: €71k
2021: €72k
2022: €151k
2023: €180k
2018 → 2024
Total assets
€314k▲ 36.6%
2023 · €230k
2018: €121k
2019: €114k
2020: €275k
2021: €245k
2022: €252k
2023: €230k
2018 → 2024
Net result
€44k▲ 51.0%
2023 · €29k
2018: €6k
2019: €-7k
2020: €49k
2021: €638
2022: €79k
2023: €29k
2018 → 2024
Working capital
€98k▲ 111%
2023 · €46k
2018: €-16k
2019: €-22k
2020: €210k
2021: €-3k
2022: €14k
2023: €46k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€71k-€72k▲ 0.9%€151k▲ 110%€180k▲ 19.4%€224k▲ 24.5%
Operating result€63k-€5k▼ 92.8%€104k▲ 2,166%€41k▼ 60.1%€68k▲ 63.5%
Net result€49k-€638▼ 98.7%€79k▲ 12,263%€29k▼ 62.9%€44k▲ 51.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 64% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €314k
Fixed assets
€136k▼ 8.9%
Current assets
€178k▲ 122%
Equity and liabilities €314k
Equity
€224k▲ 24.5%
Provisions
€10k▼ 4.5%
Debt
€81k▲ 101%
The debt ratio rises from 17.4% to 25.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€81k▲
2023 · €58k
Cash flow
€57k▲
2023 · €46k
Solvency
71.3%▼
2023 · 78.2%
Current ratio
2.23▼
2023 · 2.37
Quick ratio
2.23▼
2023 · 2.37
Debt / equity
0.36▲
2023 · 0.22
ROE
19.7%▲
2023 · 16.2%
ROA
14.0%▲
2023 · 12.7%
Interest coverage
62.21▲
2023 · 34.91
Debt
€81k▲
2023 · €40k
Debt ≤ 1 year
€80k▲
2023 · €34k
Debt > 1 year
€0▼
2023 · €6k
Income taxes
€23k▲
2023 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€230k€314k▲
Fixed assets21/28€150k€136k▼
Tangible fixed assets22/27€150k€136k▼
Land and buildings22€134k€128k▼
Plant, machinery and equipment23€4k€949▼
Furniture and vehicles24€12k€7k▼
Current assets29/58€80k€178k▲
Amounts receivable within one year40/41€5k€12k▲
Trade receivables40€5k€12k▲
Other amounts receivable41-€41
Current investments50/53-€0
Cash at bank and in hand54/58€75k€166k▲
Equity and liabilities
Total equity and liabilities10/49€230k€314k▲
Equity10/15€180k€224k▲
Contributions10/11€19k€19k=
Reserves13€161k€205k▲
Tax-exempt reserves132€30k€29k▼
Distributable reserves133€131k€177k▲
Provisions and deferred taxes16€10k€10k▼
Deferred taxes168€10k€10k▼
Amounts payable17/49€40k€81k▲
Amounts payable after more than one year17€6k€0▼
Financial debts170/4€6k€0▼
Amounts payable within one year42/48€34k€80k▲
Current portion of amounts payable after more than one year42€9k€6k▼
Trade debts44€166€16k▲
Suppliers440/4€166€16k▲
Advances received on contracts in progress46-€12k
Taxes, remuneration and social security45€21k€34k▲
Taxes450/3€21k€34k▲
Other amounts payable47/48€4k€12k▲
Accrued charges and deferred income492/3€646€984▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€13k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€59k€83k▲
Operating profit (loss)9901€41k€68k▲
Financial income75/76B€10€4▼
Recurring financial income75€10€4▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€40k€66k▲
Transfer from deferred taxes780€449€449=
Income taxes67/77€11k€23k▲
Profit (loss) for the period9904€29k€44k▲
Transfer from tax-exempt reserves789€1k€1k=
Profit (loss) for the period to be appropriated9905€31k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€45k▲
Transfer to equity691/2€31k€45k▲
To other reserves6921€31k€45k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €224k ▲24.5%
5 profitable years in a row build equity to €224k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €79k ▲12263%
Operating result €104k, net result €79k, both a record.
31-12
Financial
Equity above €150kEq €151k ▲110%
3 profitable years in a row build equity to €151k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €49k
Net result €49k after one loss-making year.
31-12
Financial
Liquidity times 8current ratio 4.45
Current ratio from 0.58 to 4.45.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-7k ▼219%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2016
22-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Merchtem · 1 establishment unit since 2009
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Brusselsesteenweg 3711785 MerchtemGround area
763 m²
Building footprint
92 m²
Volume, LiDAR
685 m³
Parcel 23012G0454/00C000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Photo4you
since 20092.176.310.212
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23012G0454/00C000 | Flanders | 763 m² | 1 · 92 m² | 9.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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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BARBE DAVID
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UF-O
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COLOR BY DE JONGHE
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1117 MANAGEMENT
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Of 983 companies in sector 74209 we hold annual accounts for 144. 88 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-2009
Fiscal year end31-12
Activities, NACEBEL
74209Other photographic activities
18200Printing and reproduction of recorded media
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.