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YAMA INO

Active
Bergensesteenweg 388 ·1600 Sint-Pieters-Leeuw, Belgium
KBO/BCE: BE 0798.825.979
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Age3 yrs
Board2
Connections6
Real estate2 parcels · 3,013 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of YAMA INO is 4.8% (elevated). The 2023 annual accounts show equity of €3k and a net result of €-2k. Its solvency ranks better than 81% of 531 sector peers (fiscal year 2023). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
4.8% Elevated
0%0,5%1,5%4%10%≥25%
Young company +Annual accounts: weaker financial profile +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 81% of 531 peers (2023). A comfortable equity buffer.
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 30-08-2024, 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2023, that is 31-07-2024.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2023 31-07-2024 30-08-2024 30 d late 2024-00431877

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-2k
Working capital€3k

Annual accounts & ratios

Source: NBB · 2023
Annual accounts filed on 30-08-2024 with the NBB · fiscal year 2023 · micro
Sector comparison
Fiscal year 2023 · NACE 10, Food manufacturing · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 52.2% 17.8%
better than 81% of 531 sector peers
Net result €-2k €6k
better than 34% of 530 sector peers
Equity €3k €21k
better than 30% of 531 sector peers
Gross operating margin €-2k €52k
better than 14% of 529 sector peers
Total assets €5k €136k
better than 5% of 531 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2023
Depositmicro
Revenue-
EBITDA-
Net profit€-2k
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€5k
Equity€3k
Debt€3k
of which ≤ 1y€3k
of which > 1y-
Working capital€3k
Employees (FTE)-
Ratios (computed)
2023
Current ratio2.09
Quick ratio2.09
Working capital ratio52.2%
Solvency52.2%
Debt / equity0.91
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-40.3%
ROE-77.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€5k
Current assets 29/58€5k
Amounts receivable within one year 40/41€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€5k
Equity 10/15€3k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€-2k
Amounts payable 17/49€3k
Amounts payable within one year 42/48€3k
Income statement
Gross operating margin 9900€-2k
Operating result 9901€-2k
Result before taxes 9903€-2k
Net result for the period 9904€-2k
Result to be appropriated 9905€-2k
Ratios computed by Checked.

Health barometer

FY 2023 · computed
65 / 100 Healthy
050100
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.

Directors

Directors & mandates

3 directors
Current directors & mandates
  • KARIMI TAGHARBIT Mohamed
    Director
    State Gazette act 25156399 (11-12-2025)
    Current
    31-10-2025 → present
  • TAGHARBIT Ilias
    Director
    State Gazette act 25156399 (11-12-2025)
    Current
    31-10-2025 → present
Former directors (1)
  • ZIANI Kaddour
    Director
    State Gazette act 25042048 (31-03-2025)
    Former
    21-03-2025 → 31-10-2025
    2 events
    • 31-10-2025 Resigned· Director
    • 21-03-2025 Appointed· Director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk(10712)
Legal form Private limited company(610)
Incorporation24-02-2023
StatusActive
Postal code1600

Structure & network

Connections & network

6 connected companies
ARDI ONE COMPANY, Shared address AOARDI ONECOMPANYBOLARDO, Shared address BBOLARDODIVA COIFFEUR, Shared address DCDIVA COIFFEURDK AESTHETICS, Shared address DADK AESTHETICSGROUP - NVC, Shared address G-GROUP - NVCNP ROYAL CONSTRUCT & CLEANING, Shared address NRNP ROYALCONSTRUC…ANINGYAMA INO YAMA INO0798.825.979
Shared address / shareholder
Network connections
ARDI ONE COMPANY
Shared address
→
BOLARDO
Shared address
→
DIVA COIFFEUR
Shared address
→
DK AESTHETICS
Shared address
→
GROUP - NVC
Shared address
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Locations & real estate

Registered office

from the Crossroads Bank
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.

Bergensesteenweg 3881600 Sint-Pieters-Leeuw

Establishment units

1 location
YAMA INO
de Ribaucourtstraat 8, 1080 Sint-Jans-MolenbeekAmbachtelijke vervaardiging van brood en van vers banketbakkerswerk
since 20232.342.825.855
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area3,013 m²
Buildings2
Building footprint1,804 m²
Volume (LiDAR)2,151 m³
Tallest building19.9 m · ±6 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
23582E0390/00T002 Flanders 2,865 m² 1 · 1,680 m² -
21522B0236/00W002 Brussels 147 m² 1 · 124 m² 19.9 m · 6 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

5 acts
Address history · 2
22-07-2025
v3.2
04-06-2024
v3.2
All acts · 5 updated 8 months ago
2025
11-12-2025 2 directors appointed, 1 resigning Director changes
  • KARIMI TAGHARBIT Mohamed, Bestuurder
  • TAGHARBIT Ilias, Bestuurder
  • ZIANI Kaddour, Bestuurder
Summary: v3.2
22-07-2025 Registered office moved from Zaventem to sint pieters leeuw Registered-office change
  • Lozenberg 17, 1932 Zaventem → Bergensteenweg 388, 1600 sint pieters leeuw
Summary: v3.2
31-03-2025 Ziani Kaddour appointed as director Director changes
  • Ziani Kaddour, Bestuurder
Summary: v3.2
2024
04-06-2024 Registered office moved from Dilbeek to Zaventem Registered-office change
  • Oudesmidsestraat 20, 1700 Dilbeek → Lozenberg 17, 1932 Zaventem
Summary: v3.2
2023
28-02-2023 Incorporation of a new BV Incorporation
Summary: oprichting

Analysis

Snowflake analysis

financial profile on 5 axes
Health65Profitability0Solvency96Growth-Stability79
60 / 100

Strong profile, led by solvency.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 65
Profitability 0
Solvency 96
Growth -
Stability 79

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AI due-diligence brief

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Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 465 of the 4,216 companies in this sector. 159 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk10712Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk10712
Primary activity highlighted.
Names & trade names
Legal nameNL YAMA INO
Registered office
Bergensesteenweg 388 bus a
1600 Sint-Pieters-Leeuw, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.