Y.A.M SERVICES

Active

Private limited companyfounded 20242 yrs activeLeo de Béthunelaan 96, 9300 Aalst, BelgiumKBO/BCE: BE 1014.127.080

Summary

The computed 12-month bankruptcy probability of Y.A.M SERVICES is 2.2% (moderate). The 2025 annual accounts show equity of €9,533 and a net result of €7,533. Its solvency ranks better than 39% of 5349 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

Y.A.M SERVICESActiveChecked score 54/100

Risk analysis Report Compare

Activity

On-demand passenger transport by chauffeured vehicle

NACE 49330Non-scheduled passenger transport by road NACE 49320

1 site

Size

€33,980total assets 2025

Equity: €9,533
Profit: €7,533

Turnover not published (abridged schema)

Financial health

54 Fair Checked score 2025

Bankruptcy chance 12 m: 2.2%

Structure

Board: 1 member

Accounts filed 27 d late2 of 6 deeds read

Why 54- Founded in 2024- Size: total assets €33,980- Sector Land transport and transport via pipelines (NACE 49)+ Liquidity: current ratio 0.91, cash €12,234Show the evidence

Checked score

Score 2025

54 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 62% of its sector peers (NACE 49, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 53

equity 28.1% of total assets

Liquidity 56

short-term debt 71.9% · cash 36.0%

Profitability 96

return on assets 22.2%

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

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

Sector median 1.9% (8,991 companies)

Last 24 months 10-2025: 3.6% 11-2025: 3.6%● 0.0% vs 10-2025 12-2025: 3.8%▲ +4.1% vs 11-2025 01-2026: 4.1%▲ +7.9% vs 12-2025 02-2026: 4.2%▲ +3.3% vs 01-2026 03-2026: 4.6%▲ +9.2% vs 02-2026 04-2026: 4.6%● 0.0% vs 03-2026 05-2026: 5.0%▲ +9.1% vs 04-2026 06-2026: 5.0%▼ -0.5% vs 05-2026 07-2026: 4.8%▼ -3.7% vs 06-2026 08-2026: 5.1%▲ +7.2% vs 07-2026highest value 09-2026: 2.2%▼ -56.8% vs 08-2026lowest value 10-2026: 2.2%▲ +0.4% vs 09-2026

Founded in 2024 raises the probability for this profile
Size: total assets €33,980 raises the probability for this profile
Sector Land transport and transport via pipelines (NACE 49) raises the probability
Liquidity: current ratio 0.91, cash €12,234 lowers the probability

Credit up to €500 at 30 days acceptable

Liquidity short (current ratio 0.91; short-term debt: 71.9% and cash: 36% of total assets), and 71.9% 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 49, micro). Better than this share of them on solvency 39%, liquidity 62%, profitability 85%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Founded in 2024

In the bankruptcy model this factor raises the probability for this profile.

KBO

Size: total assets €33,980

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Sector Land transport and transport via pipelines (NACE 49)

In the bankruptcy model this factor raises the probability.

KBO

Liquidity: current ratio 0.91, cash €12,234

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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

2025

27 d late

← before the deadline after the deadline →

Checked, nothing found (1)

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

17-09-26 Appointment: CHAOUACH Achraf (director)Resignation: SABER Ayoub (director)
27-08-26 Annual accounts filedfiscal year 2025 · micro…
05-05-26 Appointment: Saber Ayoub (director)Resignation: Fabbricatore Mehdi (director)

Key points

Caution: Board changedlatest change 08-09-2026 · 1 in office 1 joined · 2 left View
Total assets 2025first fiscal year filed €33,980 View
Active since 2024founded 25-09-2024 2 years View