VY & MY
ActiveThe computed 12-month bankruptcy probability of VY & MY is 1.9% (moderate). The 2025 annual accounts show negative equity (€-10k) and a net result of €-16k. Equity is shrinking by ~53.1% per year across the filed fiscal years. Its solvency ranks better than 7% of 4137 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
21
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-41
Solvency0▼-41
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.62 against 0.95 in 2024; short-term debt: 126.7% and cash: 3.6% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
-26.7%
Return on assets
-43.9%
Age of the figures
9 mo
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
Sector 47
higher
← 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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-10k
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 filingsDeviation from the deadline
2025
23 d early
2024
31 d early
2023
33 d early
2022
89 d early
2021
81 d early
2020
158 d early
2019
143 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-16k
2024 · €490
2018: €-5k
2019: €407
2020: €-30k
2021: €-19k
2022: €-14k
2023: €-16k
2024: €490
2018 → 2025
Working capital
€-17k▼ 1,065%
2024 · €-1k
2018: €95k
2019: €138k
2020: €36k
2021: €-3k
2022: €35k
2023: €-36k
2024: €-1k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€36k-€22k▼ 38.8%€6k▼ 74.1%€6k▲ 8.5%€-10k
Operating result€-11k-€-12k▼ 15.2%€-16k▼ 28.2%€1k€-15k
Net result€-19k-€-14k▲ 27.1%€-16k▼ 16.8%€490€-16k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €15k after €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€8k=
Current assets
€29k▼ 9.8%
Key figures and ratios
Solvency
-26.7%▼
2024 · 15.8%
Current ratio
0.62▼
2024 · 0.95
Quick ratio
0.05▼
2024 · 0.17
Debt / equity
-4.75▼
2024 · 5.33
ROA
-43.9%▼
2024 · 1.2%
Debt
€46k▲
2024 · €33k
Debt ≤ 1 year
€46k▲
2024 · €33k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€39k€36k▼
Fixed assets21/28€8k€8k=
Tangible fixed assets22/27€8k€8k=
Furniture and vehicles24€8k€8k=
Current assets29/58€32k€29k▼
Stocks and contracts in progress3€26k€26k=
Stocks30/36€26k€26k=
Amounts receivable within one year40/41€655€1k▲
Trade receivables40-€1k
Other amounts receivable41€655-
Cash at bank and in hand54/58€5k€1k▼
Equity and liabilities
Total equity and liabilities10/49€39k€36k▼
Equity10/15€6k€-10k▼
Contributions10/11€89k€89k=
Outside capital11€89k€89k=
Share premium1100/10€89k€89k=
Reserves13€61€61=
Non-distributable reserves130/1€61€61=
Legal reserve130€61€61=
Profit (loss) carried forward14€-82k€-98k▼
Amounts payable17/49€33k€46k▲
Amounts payable within one year42/48€33k€46k▲
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Advances received on contracts in progress46€3k-
Taxes, remuneration and social security45-€698
Taxes450/3-€698
Other amounts payable47/48€24k€41k▲
Income statement
Code20242025
Other operating charges640/8€536€2k▲
Gross operating margin9900€2k€-14k▼
Operating profit (loss)9901€1k€-15k▼
Financial charges65/66B€513€590▲
Recurring financial charges65€513€590▲
Profit (loss) for the period before taxes9903€490€-16k▼
Profit (loss) for the period9904€490€-16k▼
Profit (loss) for the period to be appropriated9905€490€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-82k€-98k▼
Profit (loss) brought forward from the previous period14P€-83k€-82k▲
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €490
Net result €490 after 4 loss-making years.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
03-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Liquidity doublescurrent ratio 2.33
Current ratio from 0.96 to 2.33; short-term debt falls from €79k to €26k.
11-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
23-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-30k ▼7492%
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
10-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €407
Net result €407 after one loss-making year.
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 7 days late
2018
12-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
11-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are 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, Etterbeek · 1 establishment unit since 2006
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.
Sint-Michielslaan 471040 EtterbeekGround area
443 m²
Building footprint
222 m²
Volume, LiDAR
3,470 m³
Parcel 21362B0285/00R002, Brussels · tallest building 20.1 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Sint-Michielslaan 47, 1040 Etterbeek
since 20062.153.270.138
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21362B0285/00R002 | Brussels | 443 m² | 1 · 221 m² | 20.1 m · 6 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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Of 4,246 companies in sector 47789 we hold annual accounts for 1,021. 376 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-04-2006
Fiscal year end31-12
Activities, NACEBEL
47789Other retail sale of new goods
52498
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:admin@vymy.be