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Y-Auto

Active
Private limited companyfounded 20241 yr activeSteenweg op Ruisbroek 257, 1620 Drogenbos, BelgiumKBO/BCE: BE 1015.487.753
Summary

Y-Auto has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1,945 and a net result of €1,945. Its solvency ranks better than 24% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Checked score

Score 2025
Axes
Profitability54
Solvency27
Growth-
Track record67
Bankruptcy probability, 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.18; short-term debt: 83.7% and cash: 2.3% of total assets), and 97.9% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 18537 sector peers (2025).
NBB · sector comparison
Position among 18537 sector peers
Solvency
better than 24%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
← before the deadline after the deadline →
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

History

Y-Auto was incorporated on 23 October 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€1,945
Total assets
€93,066
Net result
€1,945
Working capital
€14,366

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €93,066
Fixed assets €775
Current assets €92,291
Equity and liabilities €93,066
Equity €1,945
Debt €91,121
Debt finances 97.9% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€3,678
Cash flow
€2,250
Current ratio
1.18
Quick ratio
0.40
Debt to equity
46.85
ROE
100.0%
ROA
2.1%
Interest coverage
3.91
Debt ≤ 1 year
€77,925
Debt > 1 year
€13,196
Income taxes
€486

Peer companies

Historical observation

Of the 514 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency under 10%
  • a profit under 5% of the balance sheet
1.6% went bankrupt
1.2% stopped otherwise
97% still going

A further 0.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.2% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 514 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 34 lines
Balance sheet Code2025
Assets
Total assets20/58€93,066
Fixed assets21/28€775
Tangible fixed assets22/27€775
Plant, machinery and equipment23€775
Current assets29/58€92,291
Stocks and contracts in progress3€60,827
Stocks30/36€60,827
Amounts receivable within one year40/41€28,794
Trade receivables40€28,794
Cash at bank and in hand54/58€2,116
Deferred charges and accrued income490/1€554
Equity and liabilities
Total equity and liabilities10/49€93,066
Equity10/15€1,945
Profit (loss) carried forward14€1,945
Amounts payable17/49€91,121
Amounts payable after more than one year17€13,196
Financial debts170/4€13,196
Amounts payable within one year42/48€77,925
Current portion of amounts payable after more than one year42€3,782
Financial debts43€32,333
Credit institutions430/8€32,333
Taxes, remuneration and social security45€1,210
Taxes450/3€1,210
Other amounts payable47/48€40,600
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€305
Gross operating margin9900€3,678
Operating profit (loss)9901€3,373
Financial charges65/66B€942
Recurring financial charges65€942
Profit (loss) for the period before taxes9903€2,431
Income taxes67/77€486
Profit (loss) for the period9904€1,945
Profit (loss) for the period to be appropriated9905€1,945
Appropriation of the result
Profit (loss) to be appropriated9906€1,945

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€305
Gross operating margin9900€3,678
Operating profit (loss)9901€3,373
Financial charges65/66B€942
Recurring financial charges65€942
Profit (loss) for the period before taxes9903€2,431
Income taxes67/77€486
Profit (loss) for the period9904€1,945
Profit (loss) for the period to be appropriated9905€1,945
Line2025
Assets
Total assets20/58€93,066
Fixed assets21/28€775
Tangible fixed assets22/27€775
Plant, machinery and equipment23€775
Current assets29/58€92,291
Stocks and contracts in progress3€60,827
Stocks30/36€60,827
Amounts receivable within one year40/41€28,794
Trade receivables40€28,794
Cash at bank and in hand54/58€2,116
Deferred charges and accrued income490/1€554
Equity and liabilities
Total equity and liabilities10/49€93,066
Equity10/15€1,945
Profit (loss) carried forward14€1,945
Amounts payable17/49€91,121
Amounts payable after more than one year17€13,196
Financial debts170/4€13,196
Amounts payable within one year42/48€77,925
Current portion of amounts payable after more than one year42€3,782
Financial debts43€32,333
Credit institutions430/8€32,333
Taxes, remuneration and social security45€1,210
Taxes450/3€1,210
Other amounts payable47/48€40,600
Line2025
Profit (loss) for the period9904€1,945
+ Depreciation and write-downs630€305
Operating cash flow (approximation)€2,250

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
30-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Drogenbos · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
8,329 m²
Building footprint
5,012 m²
Volume, LiDAR
34,514 m³
2 parcels, Flanders, Wallonia · tallest building 12.9 m, ±2 floors. Linked by address, not a title deed.
257 companies at this address See who is registered here
1 establishment unit
Y-Auto
Rue Joseph Wauters 46, 4367 CrisnéeNACE 45111
since 20242.366.552.451
2 parcels
Flanders 1 (50%) Wallonia 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
22001B0038/00K000 Flanders 7,925 m² 1 · 4,905 m² 12.9 m · 2 fl.
64021A0387/00D000 Wallonia 404 m² 1 · 106 m² -
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 10,664 companies in sector 47811 we hold annual accounts for 5,221. 951 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded23-10-2024
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95316Washing and cleaning of motor vehicles
47820Retail sale of motor vehicle parts and accessories
46180Agents specialised in the wholesale of other particular products
95314Bodywork repair (including spraying and painting)
E-invoicing
Reachable via Peppol
Peppol ID 0208:1015487753
Also 9925:BE1015487753
Registered 29-12-2025

Register as of 26 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.