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VY & MY

Active
Private limited companyfounded 2006active for 20 yearsSint-Michielslaan 47, 1040 Etterbeek, BelgiumKBO/BCE: BE 0880.760.592
Summary

The computed 12-month bankruptcy probability of VY & MY is 1.7% (moderate). The 2025 annual accounts show negative equity (-€9,678) and a net result of -€15,904. Equity has been shrinking by about 53% per year since 2018. Its solvency ranks better than 7% of 5,039 sector peers (NACE 47, financial year 2025). The company has been active since 2006 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 18-04-2006 Normal situation
Registered office
55 active companies are registered at this address 3 started in the 12 months before. Source: KBO register, as of 3 November 2026.
Activity
Other retail sale of new goods NACE 47789
Establishment unit
2.153.270.138 1040 Etterbeek, since 03-04-2006
Financial year end
31 December
Peppol
Not found in the Peppol Directory

Board and ownership

Board

Financial position

52 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.7%
Annual accounts 2025
Gross margin
-€13,598
Loss
€15,904
Equity
-€9,678
Total assets
€36,269
▼ 7.9%
  • Negative equity on 31-12-2025
Score breakdownraises riskLoss of €15,904 (financial year 2025)Negative equity -€9,678lowers riskSize: total assets €36,269Founded in 2006Show the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 5% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Weak
Solvency 0-41
equity -26.7% of total assets
Liquidity 5-14
short-term debt 126.7% · cash 3.6%
Profitability 0-41
return on assets -43.9%
Bankruptcy probability within 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,281 companies, NACE 47, micro)
Last 24 months 12-2024: 1.0% 01-2025: 1.0%● unchanged vs 12-2024 02-2025: 1.0%● unchanged vs 01-2025 03-2025: 1.0%● unchanged vs 02-2025 04-2025: 1.0%● unchanged vs 03-2025 05-2025: 1.0%● unchanged vs 04-2025 06-2025: 0.9%▼ -0.1 percentage points vs 05-2025 07-2025: 0.3%▼ -0.6 percentage points vs 06-2025 08-2025: 0.3%● unchanged vs 07-2025 09-2025: 0.3%● unchanged vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025lowest value 02-2026: 0.3%● unchanged vs 01-2026lowest value 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.4%▲ +0.1 percentage points vs 03-2026 05-2026: 0.3%▼ -0.1 percentage points vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.4%▲ +0.1 percentage points vs 06-2026 08-2026: 1.7%▲ +1.3 percentage points vs 07-2026 09-2026: 1.7%● unchanged vs 08-2026highest value 10-2026: 1.7%● unchanged vs 09-2026highest value 11-2026: 1.7%● unchanged vs 10-2026highest value
No credit on open account
Liquidity is insufficient, with a current ratio of 0.62 (0.95 in 2024), below 1. Short-term debt is 126.7% and cash 3.6% of total assets. Equity is negative.
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 47, micro). It does better than 6% of them on solvency, 7% on liquidity, 6% on profitability and 2% on growth.

The bankruptcy probability was computed on 03-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €36,269
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Loss of €15,904 (financial year 2025)
NBB · annual accounts
raises risk · Negative equity -€9,678
NBB · annual accounts
lowers risk · Founded in 2006
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€9,678
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
23 days early
2024
31 days early
2023
33 days early
2022
89 days early
2021
81 days early
2020
158 days early
2019
143 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 80 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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 June (4 of the last 5 accounts filed within 49 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€9,678 View
  • Caution: Lower solvency than 92% of companies in retail tradesector median 36.1% · 5,039 companies -26.7% View
  • Positive: Filed on time since financial year 2019accounts within the deadline every year 7 years View

Recent changes

  1. · Gazette deed Change of role: AUTONETWORK DEVELOPPEMENT, from manager to directorPermanent representative: Vilain XIIII, Jean-François
  2. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as VY & MY: other retail sale of new goods (NACE 47789). They are comparable in size and age: total assets between €27,000 and €56,600, founded between 1999 and 2009.

CompanyTotal assetsGross margin
VY & MY Etterbeek€36,269-€13,598
FLAT PICTURES Brussel€32,904-€2,936
COMOGNE INVEST Beauraing€31,893-€7,987
MIDEX Anderlecht€42,328€736
FUTUREPROOFED PRODUCTS Kortrijk€27,555-€21,318
ALLALI Meise€27,021€760
HLD ATELIER Pepingen€56,557-€1,307
Full comparison

Key facts about VY & MY

What is the company number of VY & MY?
The company number of VY & MY is 0880.760.592. The VAT number is the same number with BE in front: BE 0880.760.592.
Where is VY & MY based?
The registered office is at Sint-Michielslaan 47, 1040 Etterbeek.Company details
What does VY & MY do?
According to the KBO register, the main activity is other retail sale of new goods (NACE 47789).
What is the legal form of VY & MY?
The legal form of VY & MY is Private limited company (BV).
When was VY & MY founded?
VY & MY was founded on 18-04-2006.
Is VY & MY still active?
Yes, VY & MY is an active enterprise in the KBO register.
What is the turnover of VY & MY?
The annual accounts for financial year 2025 state no turnover.Financials
Is VY & MY profitable?
In financial year 2025, VY & MY made a loss of €15,904.
Where can I find the annual accounts of VY & MY?
VY & MY filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of VY & MY due?
VY & MY must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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