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YAMACAR

Active
Private limited companyfounded 20242 yrs activeLeuvensestraat 131, 3300 Tienen, BelgiumKBO/BCE: BE 1009.111.586
Summary

The computed 12-month bankruptcy probability of YAMACAR is 2.6% (moderate). The 2025 annual accounts show negative equity (-€592) and a net result of €2,284. Its solvency ranks better than 20% of 18973 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability92
Solvency20
Growth-
Track record67
Bankruptcy probability, 12 months
2.6% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.9; short-term debt: 104.8% and cash: 9.1% of total assets), and equity is negative.
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Signals

Five 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 2 years 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
-4.8%
Return on assets
18.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 18973 sector peers (2025).
NBB · sector comparison
Position among 18973 sector peers
Solvency
better than 20%
← 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 29-08-2026, 29 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 · 2 filings
Deviation from the deadline
2025
29 d late
2024
223 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 126 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 months
Position in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
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

On 6 May 2024, YAMACAR was incorporated as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest 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
-€592
Total assets
€12,251
Net result
€2,284
Working capital
-€1,267

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

Key figures and ratios
2025 value
EBITDA
€2,532
Cash flow
€2,509
Solvency
-4.8%
Current ratio
0.90
Quick ratio
0.56
ROA
18.6%
Interest coverage
110.09
Debt
€12,843
Debt ≤ 1 year
€12,843
Equity ratios withheld: equity of -€592 is too small for a meaningful ratio.

Peer companies

Historical observation

Of the 1,018 companies that looked in July 2024 the way this one looks now, 6.5% went bankrupt within 24 months and 89% are still going.

  • Micro
  • 2 to 5 years old
  • negative equity
  • a profit of 5% of the balance sheet or more
6.5% went bankrupt
4.0% stopped otherwise
89% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 2.6% 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 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

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 1,018 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 · 30 lines
Balance sheet Code2025
Assets
Total assets20/58€12,251
Formation expenses20€675
Current assets29/58€11,576
Stocks and contracts in progress3€4,348
Stocks30/36€4,348
Amounts receivable within one year40/41€5,941
Trade receivables40€5,600
Other amounts receivable41€341
Cash at bank and in hand54/58€1,109
Deferred charges and accrued income490/1€178
Equity and liabilities
Total equity and liabilities10/49€12,251
Equity10/15-€592
Contributions10/11€2,000
Profit (loss) carried forward14-€2,592
Amounts payable17/49€12,843
Amounts payable within one year42/48€12,843
Trade debts44€1,342
Suppliers440/4€1,342
Other amounts payable47/48€11,501
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€225
Other operating charges640/8€594
Gross operating margin9900€3,126
Operating profit (loss)9901€2,307
Financial charges65/66B€23
Recurring financial charges65€23
Profit (loss) for the period before taxes9903€2,284
Profit (loss) for the period9904€2,284
Profit (loss) for the period to be appropriated9905€2,284
Appropriation of the result
Profit (loss) to be appropriated9906-€2,592
Profit (loss) brought forward from the previous period14P-€4,876

The notes to these accounts (1 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€225
Other operating charges640/8€594
Gross operating margin9900€3,126
Operating profit (loss)9901€2,307
Financial charges65/66B€23
Recurring financial charges65€23
Profit (loss) for the period before taxes9903€2,284
Profit (loss) for the period9904€2,284
Profit (loss) for the period to be appropriated9905€2,284
Line2025
Assets
Total assets20/58€12,251
Formation expenses20€675
Current assets29/58€11,576
Stocks and contracts in progress3€4,348
Stocks30/36€4,348
Amounts receivable within one year40/41€5,941
Trade receivables40€5,600
Other amounts receivable41€341
Cash at bank and in hand54/58€1,109
Deferred charges and accrued income490/1€178
Equity and liabilities
Total equity and liabilities10/49€12,251
Equity10/15-€592
Contributions10/11€2,000
Profit (loss) carried forward14-€2,592
Amounts payable17/49€12,843
Amounts payable within one year42/48€12,843
Trade debts44€1,342
Suppliers440/4€1,342
Other amounts payable47/48€11,501
Line2025
Profit (loss) for the period9904€2,284
+ Depreciation and write-downs630€225
Operating cash flow (approximation)€2,509

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

Next filing, fiscal year 2026, expected by 31-07-2027
2026
29-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
11-03
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 223 days late
NBB filing
0 of 3 acts read
About the unread acts

We know of 3 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
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Tienen · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
542 m²
Building footprint
470 m²
Volume, LiDAR
3,482 m³
2 parcels, Flanders, Wallonia · tallest building 16.7 m, ±5 floors. Linked by address, not a title deed.
213 companies at this address See who is registered here
1 establishment unit
YAMACAR
Rue de Dison 99, 4800 VerviersNACE 45111
since 20242.359.840.546
2 parcels
Flanders 1 (50%) Wallonia 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
24593G0715/00A000 Flanders 401 m² 1 · 375 m² 11.8 m · 2 fl.
63079A1194/00S002 Wallonia 141 m² 1 · 96 m² 16.7 m · 5 fl.
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 and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 10,654 companies in this sector we hold annual accounts for 5,227. See the whole sector

Company details

Identification
Legal formPrivate limited company
Founded06-05-2024
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
E-invoicing
Reachable via Peppol
Peppol ID 0208:1009111586
Also 9925:BE1009111586
Registered 07-01-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 1 October 2026 · Peppol Directory

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