Skip to content

Y & M GROUP

Active
Limited partnershipfounded 2020active for 6 yearsScheutveldstraat 23/27, 1070 Anderlecht, BelgiumKBO/BCE: BE 0752.689.118
Summary

The computed 12-month bankruptcy probability of Y & M GROUP is 3.6% (moderate). The annual accounts of Y & M GROUP for financial year 2024 show a net loss of 68% of the equity at the start of that year. The 2024 annual accounts show equity of €1,411 and a net result of -€2,938. Equity is shrinking by about 42% per year and would, assuming unchanged policy, indicatively turn negative around financial year 2025. The company has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Activity not known1 site
Size
€20,780total assets 2024
Equity
€1,411
Loss
-€2,938
Financial health
47 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
3.6%
Structure
Holdings
1
Accounts 70 days overdue0 of 2 deeds read
Why 47raises riskFigures for financial year 2024 (filed 23-07-2025)No main activity registeredlowers riskSize: total assets €20,780Legal form: limited partnershipShow the evidence

Checked score

Score 2024
47 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 11% of its sector peers (no NACE code, micro)
Financial strength · tick = 2023
Weak
Solvency 32-5
equity 6.8% of total assets
Liquidity 6-45
short-term debt 93.2% · cash 4.4%
Profitability 2-10
return on assets -14.1%
Bankruptcy probability, 12 months
3.6% Moderate
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 2.6% 12-2024: 2.6%● unchanged vs 11-2024 01-2025: 2.6%● unchanged vs 12-2024 02-2025: 2.6%● unchanged vs 01-2025 03-2025: 2.7%▲ +0.1 percentage points vs 02-2025 04-2025: 3.0%▲ +0.3 percentage points vs 03-2025 05-2025: 3.3%▲ +0.3 percentage points vs 04-2025 06-2025: 3.4%▲ +0.1 percentage points vs 05-2025 07-2025: 3.5%▲ +0.1 percentage points vs 06-2025 08-2025: 2.9%▼ -0.6 percentage points vs 07-2025 09-2025: 2.9%● unchanged vs 08-2025 10-2025: 2.8%▼ -0.1 percentage points vs 09-2025 11-2025: 1.6%▼ -1.2 percentage points vs 10-2025 12-2025: 1.5%▼ -0.1 percentage points vs 11-2025 01-2026: 1.5%● unchanged vs 12-2025lowest value 02-2026: 1.5%● unchanged vs 01-2026lowest value 03-2026: 1.5%● unchanged vs 02-2026 04-2026: 1.6%▲ +0.1 percentage points vs 03-2026 05-2026: 1.6%● unchanged vs 04-2026 06-2026: 1.6%● unchanged vs 05-2026 07-2026: 1.7%▲ +0.1 percentage points vs 06-2026 08-2026: 1.9%▲ +0.2 percentage points vs 07-2026 09-2026: 2.2%▲ +0.3 percentage points vs 08-2026 10-2026: 3.6%▲ +1.4 percentage points vs 09-2026highest value
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 insufficient (current ratio 0.3, compared with 0.68 in 2023; short-term debt: 93.2% and cash: 4.4% of total assets), and 93.2% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 (no NACE code, micro): better than 21% on solvency, 7% on liquidity, 9% on profitability and 7% on growth.

The bankruptcy probability was computed on 08-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €20,780
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
raises risk · Figures for financial year 2024 (filed 23-07-2025)
NBB · annual accounts
raises risk · No main activity registered
KBO
lowers risk · Legal form: limited partnership
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024
Net result per financial year
2021222324
2020 to 2024 · latest year -€2,938
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-07-2025, 8 days ahead of the deadline.
NBB · 5 filings
Deviation from the deadline
2025
not confirmed
2024
8 days early
2023
23 days early
2022
23 days late
2021
44 days late
2020
30 days late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 5 accounts on average 13 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · micro…
  2. Annual accounts filedfinancial year 2023 · micro…
  3. Annual accounts filedfinancial year 2022 · micro…

Key points

  • Risk: 5 loss-making years in a rowloss financial year 2024 -€2,938 View
  • Caution: Accounts not fileddeadline was 31-07-2026 70 days late View
  • Total assets 20245 financial years filed €20,780 View

By topic

Financials

Financial year
2024
Total assets
€20,780
Loss
-€2,938
Solvency
6.8%
Total assets▼ 44.9%
Net result
20202024
Go to Financials

Timeline

Events
5
Since
2021
  1. 13-09-2022Annual accounts filed
  2. 30-08-2021Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Limited partnership
Founded
18-08-2020
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.