Y2K
ActiveSummary
Y2K has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.0m and a net result of €223,350. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 79% of 31896 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability84▲+5
Solvency100=
Growth64=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90,000 at 30 days acceptable
Liquidity ample (current ratio 5.41 against 28.71 in 2024; short-term debt: 17.9% and cash: 18.2% of total assets), and 17.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
82.1%
Return on assets
17.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
28 d late
2022
31 d late
2021
31 d late
2020
12 d early
2019
55 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 28 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)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
In the rankings
#6 company by equity in Court-Saint-Etienne, Professional and technical services sector#9 company by total assets in Court-Saint-Etienne, Professional and technical services sector
Turnover
€312,363▲ 1.3%
2021 · €308,213
EBIT margin
55.3%▲ 0.1pp
2021 · 55.3%
Net result
€223,350▲ 69.1%
2024 · €132,077
Working capital
€992,499▼ 30.5%
2024 · €1.4m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€308,213€312,363▲ 1.3%
Operating result€170,319▼ 10.6%€172,772▲ 1.4%€167,163▼ 3.2%€164,414▼ 1.6%€167,098▲ 1.6%
Net result€214,402above the sector's middle half▲ 107%€110,915above the sector's middle half▼ 48.3%€120,568above the sector's middle half▲ 8.7%€132,077above the sector's middle half▲ 9.5%€223,350above the sector's middle half▲ 69.1%
EBIT margin55.3%55.3%▲ 0.1pp
Equity€1.1mabove the sector's middle half▲ 23.5%€1.2mabove the sector's middle half▲ 9.8%€1.4mabove the sector's middle half▲ 9.7%€1.5mabove the sector's middle half▲ 9.7%€1.0mabove the sector's middle half▼ 30.7%
Total assets€1.2mabove the sector's middle half▲ 24.3%€1.3mabove the sector's middle half▲ 9.9%€1.4mabove the sector's middle half▲ 4.7%€1.5mabove the sector's middle half▲ 9.4%€1.3mabove the sector's middle half▼ 18.4%
Debt€98,524▲ 34.2%€108,669▲ 10.3%€51,365▼ 52.7%€51,524▲ 0.3%€225,084▲ 337%
Working capital€1.1m▲ 24.8%€1.1m▲ 2.1%€1.3m▲ 12.3%€1.4m▲ 12.0%€992,499▼ 30.5%
Solvency92.0%above the sector's middle half▼ 0.6pp91.9%above the sector's middle half=96.4%above the sector's middle half▲ 4.4pp96.7%above the sector's middle half▲ 0.3pp82.1%above the sector's middle half▼ 14.6pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€40,003 ▼ 35.4%
Current assets
€1.2m ▼ 17.7%
Equity and liabilities €1.3m
Equity
€1.0m ▼ 30.7%
Debt
€225,084 ▲ 337%
Debt's share of the balance-sheet total rises from 3.3% to 17.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€189,012▲
2024 · €186,553
Cash flow
€245,265▲
2024 · €154,216
Current ratio
5.41▼
2024 · 28.71
Debt to equity
0.22▲
2024 · 0.03
ROE
21.6%▲
2024 · 8.9%
ROA
17.8%▲
2024 · 8.6%
Interest coverage
5.16▼
2024 · 12.59
Debt ≤ 1 year
€225,084▲
2024 · €51,524
Income taxes
€68,120▲
2024 · €59,082
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,082 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.1% 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%.
| 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 20,082 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €308,213 | €312,363 | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €129,590 | €136,686 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,033 | €9,495 | €21,713 | €22,139 | €21,915 | ▼ 1.0% |
| Other operating charges640/8 | €1,271 | €3,440 | €6,018 | €2,057 | €3,754 | ▲ 82.5% |
| Gross operating margin9900 | €178,623 | €185,707 | €194,894 | €188,610 | €192,766 | ▲ 2.2% |
| Operating profit (loss)9901 | €170,319 | €172,772 | €167,163 | €164,414 | €167,098 | ▲ 1.6% |
| Financial income75/76B | €10,393 | €54,596 | €20,121 | €41,564 | €161,031 | ▲ 287% |
| Recurring financial income75 | €10,393 | €54,596 | €20,121 | €41,564 | €161,031 | ▲ 287% |
| Financial charges65/66B | -€101,513 | €51,861 | €13,823 | €14,819 | €36,659 | ▲ 147% |
| Recurring financial charges65 | -€101,513 | €51,861 | €13,823 | €14,819 | €36,659 | ▲ 147% |
| Profit (loss) for the period before taxes9903 | €282,225 | €175,507 | €173,461 | €191,159 | €291,470 | ▲ 52.5% |
| Income taxes67/77 | €67,823 | €64,592 | €52,893 | €59,082 | €68,120 | ▲ 15.3% |
| Profit (loss) for the period9904 | €214,402 | €110,915 | €120,568 | €132,077 | €223,350 | ▲ 69.1% |
| Transfer from tax-exempt reserves789 | €52,700 | €65,600 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €267,102 | €176,515 | €120,568 | €132,077 | €223,350 | ▲ 69.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €1.3m | €1.4m | €1.5m | €1.3m | ▼ 18.4% |
| Fixed assets21/28 | €13,941 | €101,920 | €83,050 | €61,918 | €40,003 | ▼ 35.4% |
| Tangible fixed assets22/27 | €13,891 | €101,870 | €83,000 | €61,868 | €39,954 | ▼ 35.4% |
| Plant, machinery and equipment23 | €1,979 | €1,342 | €706 | €216 | - | - |
| Furniture and vehicles24 | €11,912 | €92,838 | €74,381 | €54,647 | €33,855 | ▼ 38.0% |
| Other tangible fixed assets26 | - | €7,690 | €7,913 | €7,005 | €6,098 | ▼ 12.9% |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €50 | ▼ 0.8% |
| Current assets29/58 | €1.2m | €1.2m | €1.3m | €1.5m | €1.2m | ▼ 17.7% |
| Amounts receivable within one year40/41 | €158,569 | €148,437 | €132,174 | €182,570 | €139,298 | ▼ 23.7% |
| Trade receivables40 | €83,388 | €65,429 | €62,036 | €62,434 | €70,495 | ▲ 12.9% |
| Other amounts receivable41 | €75,181 | €83,008 | €70,138 | €120,136 | €68,803 | ▼ 42.7% |
| Current investments50/53 | €347,128 | €387,995 | €983,963 | €972,029 | €846,424 | ▼ 12.9% |
| Cash at bank and in hand54/58 | €703,563 | €695,506 | €206,477 | €321,611 | €228,792 | ▼ 28.9% |
| Deferred charges and accrued income490/1 | €1,595 | €11,998 | €3,456 | €3,228 | €3,069 | ▼ 4.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €1.3m | €1.4m | €1.5m | €1.3m | ▼ 18.4% |
| Equity10/15 | €1.1m | €1.2m | €1.4m | €1.5m | €1.0m | ▼ 30.7% |
| Contributions10/11 | €15,369 | €15,369 | €15,369 | €15,369 | €15,369 | = |
| Reserves13 | €655,134 | €766,049 | €886,617 | €1.0m | €561,363 | ▼ 44.9% |
| Non-distributable reserves130/1 | €62,368 | €62,368 | - | - | - | - |
| Reserves not available under the articles1311 | €62,368 | €62,368 | - | - | - | - |
| Tax-exempt reserves132 | €88,600 | €23,000 | €23,000 | €23,000 | €23,000 | = |
| Distributable reserves133 | €504,166 | €680,681 | €863,617 | €995,694 | €538,363 | ▼ 45.9% |
| Profit (loss) carried forward14 | €455,769 | €455,769 | €455,769 | €455,769 | €455,769 | = |
| Amounts payable17/49 | €98,524 | €108,669 | €51,365 | €51,524 | €225,084 | ▲ 337% |
| Amounts payable within one year42/48 | €98,524 | €108,669 | €51,365 | €51,524 | €225,084 | ▲ 337% |
| Trade debts44 | €8,147 | €10,359 | €7,588 | €4,563 | €4,389 | ▼ 3.8% |
| Suppliers440/4 | €8,147 | €10,359 | €7,588 | €4,563 | €4,389 | ▼ 3.8% |
| Taxes, remuneration and social security45 | €90,239 | €98,310 | €43,777 | €46,961 | €55,654 | ▲ 18.5% |
| Taxes450/3 | €88,327 | €98,310 | €43,777 | €46,961 | €55,654 | ▲ 18.5% |
| Remuneration and social security454/9 | €1,912 | - | - | - | - | - |
| Other amounts payable47/48 | €138 | - | - | - | €165,041 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €214,402 | €110,915 | €120,568 | €132,077 | €223,350 | ▲ 69.1% |
| + Depreciation and write-downs630 | €7,033 | €9,495 | €21,713 | €22,139 | €21,915 | ▼ 1.0% |
| Operating cash flow (approximation) | €221,435 | €120,410 | €142,281 | €154,216 | €245,265 | ▲ 59.0% |
| Investment in fixed assets (approximation) | - | -€97,474 | -€2,843 | -€1,007 | €0 | ▲ 100% |
| Change in cash | - | -€8,057 | -€489,029 | €115,134 | -€92,819 | ▼ 181% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €223,350 ▲69.1%
Net result €223,350, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 25.82
Current ratio from 11.45 to 25.82; short-term debt falls from €108,669 to €51,365.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €1mEq €1.1m ▲23.5%
4 profitable years in a row build equity to €1.1m.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 55 days late
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Court-Saint-Etienne · 1 establishment unit since 1997
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.
Avenue de Limauges 431490 Court-Saint-Etienne1 establishment unit
Y2K
since 19972.084.267.209
Recognitions · licences · registrations
Legal Entity Identifier
699400KDWJAFVI60Y298
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,626. 27,516 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
Founded30-10-1997
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0461814030
Also
9925:BE0461814030
Registered
03-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.