Y-GESTION

Active

Private limited companyfounded 20206 yrs activeRue Mabiets 9, 4530 Villers-le-Bouillet, BelgiumKBO/BCE: BE 0753.579.736

Summary

The annual accounts of Y-GESTION for fiscal year 2025 show a net loss of 51% of the equity at the start of that year. The 2025 annual accounts show equity of €4,703 and a net result of -€4,855. Equity is shrinking by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 24% of 36981 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch Report Compare

Y-GESTIONActiveChecked score 53/100

Risk analysis Report Compare

Activity

Activities of head offices

NACE 70100

1 site

Size

€22,477total assets 2025

Equity: €4,703
Loss: -€4,855

Turnover not published (abridged schema)

Financial health

53 Fair Checked score 2025

Bankruptcy chance 12 m: 0.4%

Structure

Accounts filed 37 d late

Why 53Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- Latest accounts 37 days late; 3 of the last 3 late- Loss of €4,855 (FY 2025)+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Size: total assets €22,477Show the evidence

Checked score

Score 2025

53 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 12% of its sector peers (NACE 70, micro)

Performance against the sector, not lower risk

A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 46-50

equity 20.9% of total assets

Liquidity 14-32

short-term debt 79.1% · cash 5.5%

Profitability 0-35

return on assets -21.6%

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (47,599 companies)

Last 24 months 11-2024: 0.1%lowest value 12-2024: 0.1%● 0.0% vs 11-2024lowest value 01-2025: 0.1%▲ +3.1% vs 12-2024 02-2025: 0.1%▼ -1.5% vs 01-2025 03-2025: 0.1%▲ +4.5% vs 02-2025 04-2025: 0.1%▲ +11.6% vs 03-2025 05-2025: 0.1%▲ +7.8% vs 04-2025 06-2025: 0.1%▲ +7.2% vs 05-2025 07-2025: 0.1%▲ +5.6% vs 06-2025 08-2025: 0.2%▲ +97.9% vs 07-2025 09-2025: 0.2%▲ +27.4% vs 08-2025 10-2025: 0.2%▼ -12.2% vs 09-2025 11-2025: 0.2%▲ +4.8% vs 10-2025 12-2025: 0.2%▲ +2.3% vs 11-2025 01-2026: 0.2%● 0.0% vs 12-2025 02-2026: 0.2%▼ -1.8% vs 01-2026 03-2026: 0.2%▲ +4.1% vs 02-2026 04-2026: 0.3%▲ +10.5% vs 03-2026 05-2026: 0.2%▼ -0.8% vs 04-2026 06-2026: 0.3%▲ +3.2% vs 05-2026 07-2026: 0.3%▲ +8.1% vs 06-2026 08-2026: 0.5%▲ +70.3% vs 07-2026 09-2026: 0.6%▲ +33.7% vs 08-2026highest value 10-2026: 0.4%▼ -36.5% vs 09-2026

Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
Size: total assets €22,477 lowers the probability for this profile
Latest accounts 37 days late; 3 of the last 3 late raises the probability
Loss of €4,855 (FY 2025) raises the probability

No publishable credit limit; credit only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity short (current ratio 0.98 against 3.23 in 2024; short-term debt: 79.1% and cash: 5.5% of total assets), and 79.1% 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 70, micro). Better than this share of them on solvency 24%, liquidity 6%, profitability 4%, growth against the median 12%. 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

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

−lowers risk+raises risk○neutral

Sector Activities of head offices; management consultancy activities (NACE 70)

In the bankruptcy model this factor lowers the probability.

KBO

Size: total assets €22,477

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

NBB · annual accounts

Latest accounts 37 days late; 3 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Loss of €4,855 (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 36981 sector peers (2025).

NBB · sector comparison

Position among 36981 sector peers

Solvency

better than 24%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-09-2026, 37 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 · 5 filings

Deviation from the deadline

2025

37 d late

2024

60 d late

2023

40 d late

2022

21 d early

2021

17 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 20 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 6 September (4 of the last 5 filed years within 54 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 deadline

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

06-09-26 Annual accounts filedfiscal year 2025 · micro…
31-12-25 Weakest financial yearnet -€4,855
29-09-25 Annual accounts filedfiscal year 2024 · micro…

Key points

Caution: Among the weakest 13% on equitysector median €79,901 · 37,012 companies €4,703 View
Total assets 20255 fiscal years filed €22,477 View
Active since 2020founded 02-09-2020 6 years View