YAMAS
ActiveSummary
YAMAS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €192,161 and a net result of €20,806. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 89% of 6161 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability79▲+3
Solvency100▲+1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity ample (current ratio 4.75 against 4.0 in 2023; short-term debt: 6.7% and cash: 10.6% of total assets), and 21.5% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 28-06-2025, 33 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
33 d early
2023
47 d early
2022
63 d early
2021
70 d early
2020
115 d early
2019
1 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 55 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€192,161▲ 0.4%
2023 · €191,355
Total assets
€244,722▼ 5.9%
2023 · €260,123
Net result
€20,806▲ 35.9%
2023 · €15,309
Working capital
€61,302▼ 1.3%
2023 · €62,126
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 96, Personal service 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
Line20202021202220232024
Operating result€27,529▼ 16.2%€33,594▲ 22.0%€18,304▼ 45.5%€23,161▲ 26.5%€29,194▲ 26.0%
Net result€21,817above the sector's middle half▼ 14.8%€26,622above the sector's middle half▲ 22.0%€12,280within the sector's middle half▼ 53.9%€15,309above the sector's middle half▲ 24.7%€20,806above the sector's middle half▲ 35.9%
Equity€175,645above the sector's middle half▲ 14.2%€187,266above the sector's middle half▲ 6.6%€199,546above the sector's middle half▲ 6.6%€191,355above the sector's middle half▼ 4.1%€192,161above the sector's middle half▲ 0.4%
Total assets€253,908above the sector's middle half▲ 1.8%€300,518above the sector's middle half▲ 18.4%€281,263above the sector's middle half▼ 6.4%€260,123above the sector's middle half▼ 7.5%€244,722above the sector's middle half▼ 5.9%
Debt€78,263▼ 18.1%€113,251▲ 44.7%€81,717▼ 27.8%€68,768▼ 15.8%€52,561▼ 23.6%
Working capital€75,922above the sector's middle half▲ 49.2%€84,353above the sector's middle half▲ 11.1%€73,445above the sector's middle half▼ 12.9%€62,126above the sector's middle half▼ 15.4%€61,302above the sector's middle half▼ 1.3%
Solvency69.2%above the sector's middle half▲ 7.5pp62.3%above the sector's middle half▼ 6.9pp70.9%above the sector's middle half▲ 8.6pp73.6%above the sector's middle half▲ 2.6pp78.5%above the sector's middle half▲ 5.0pp
Current ratio6.06above the sector's middle half▲ 2.883.75above the sector's middle half▼ 2.315.05above the sector's middle half▲ 1.304.00above the sector's middle half▼ 1.054.75above the sector's middle half▲ 0.75
Return on assets (ROA)8.6%within the sector's middle half▼ 1.7pp8.9%within the sector's middle half▲ 0.3pp4.4%within the sector's middle half▼ 4.5pp5.9%within the sector's middle half▲ 1.5pp8.5%within the sector's middle half▲ 2.6pp
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service 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
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 26% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €244,722
Fixed assets
€167,073 ▼ 5.7%
Current assets
€77,649 ▼ 6.3%
Equity and liabilities €244,722
Equity
€192,161 ▲ 0.4%
Debt
€52,561 ▼ 23.6%
Debt's share of the balance-sheet total falls from 26.4% to 21.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€50,842▲
2023 · €47,112
Cash flow
€42,453▲
2023 · €39,260
Debt to equity
0.27▼
2023 · 0.36
ROE
10.8%▲
2023 · 8.0%
Interest coverage
33.17▲
2023 · 25.10
Debt ≤ 1 year
€16,347▼
2023 · €20,736
Debt > 1 year
€32,214▼
2023 · €48,032
Income taxes
€8,781▲
2023 · €7,032
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
3.9%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.6% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.9% |
| 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 34,696 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €19,882 | €21,821 | €20,588 | €23,951 | €21,647 | ▼ 9.6% |
| Other operating charges640/8 | - | €7,328 | €2,042 | €2,283 | €2,026 | ▼ 11.2% |
| Gross operating margin9900 | €49,146 | €62,743 | €40,933 | €49,395 | €52,868 | ▲ 7.0% |
| Operating profit (loss)9901 | €27,529 | €33,594 | €18,304 | €23,161 | €29,194 | ▲ 26.0% |
| Financial income75/76B | - | €4,359 | €1,125 | €1,057 | €1,925 | ▲ 82.1% |
| Recurring financial income75 | €6,117 | €4,359 | €1,125 | €1,057 | €1,925 | ▲ 82.1% |
| Financial charges65/66B | - | €2,282 | €2,578 | €1,877 | €1,533 | ▼ 18.4% |
| Recurring financial charges65 | €1,949 | €2,282 | €2,578 | €1,877 | €1,533 | ▼ 18.4% |
| Profit (loss) for the period before taxes9903 | €31,697 | €35,671 | €16,851 | €22,341 | €29,587 | ▲ 32.4% |
| Income taxes67/77 | €9,880 | €9,049 | €4,571 | €7,032 | €8,781 | ▲ 24.9% |
| Profit (loss) for the period9904 | €21,817 | €26,622 | €12,280 | €15,309 | €20,806 | ▲ 35.9% |
| Profit (loss) for the period to be appropriated9905 | €21,817 | €26,622 | €12,280 | €15,309 | €20,806 | ▲ 35.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €253,908 | €300,518 | €281,263 | €260,123 | €244,722 | ▼ 5.9% |
| Fixed assets21/28 | €162,976 | €185,478 | €189,681 | €177,261 | €167,073 | ▼ 5.7% |
| Tangible fixed assets22/27 | €162,976 | €185,478 | €189,681 | €177,261 | €167,073 | ▼ 5.7% |
| Land and buildings22 | - | €147,587 | €159,821 | €153,334 | €144,960 | ▼ 5.5% |
| Furniture and vehicles24 | - | €5,887 | €5,272 | €6,756 | €12,359 | ▲ 82.9% |
| Leasing and similar rights25 | - | €32,004 | €24,587 | €17,171 | €9,754 | ▼ 43.2% |
| Current assets29/58 | €90,931 | €115,040 | €91,583 | €82,863 | €77,649 | ▼ 6.3% |
| Amounts receivable within one year40/41 | €65,898 | €73,808 | €22,177 | €28,739 | €50,955 | ▲ 77.3% |
| Trade receivables40 | - | €400 | €570 | €560 | - | - |
| Other amounts receivable41 | - | €73,408 | €21,607 | €28,179 | €50,955 | ▲ 80.8% |
| Cash at bank and in hand54/58 | €24,020 | €40,044 | €68,624 | €53,008 | €25,904 | ▼ 51.1% |
| Deferred charges and accrued income490/1 | - | €1,188 | €782 | €1,116 | €790 | ▼ 29.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €253,908 | €300,518 | €281,263 | €260,123 | €244,722 | ▼ 5.9% |
| Equity10/15 | €175,645 | €187,266 | €199,546 | €191,355 | €192,161 | ▲ 0.4% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €8,060 | €8,060 | = |
| Reserves13 | €92,768 | €119,390 | €131,670 | €121,619 | €122,425 | ▲ 0.7% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | €117,530 | €129,810 | €121,619 | €122,425 | ▲ 0.7% |
| Profit (loss) carried forward14 | €76,677 | €61,677 | €61,677 | €61,677 | €61,677 | = |
| Amounts payable17/49 | €78,263 | €113,251 | €81,717 | €68,768 | €52,561 | ▼ 23.6% |
| Amounts payable after more than one year17 | €59,624 | €78,864 | €63,579 | €48,032 | €32,214 | ▼ 32.9% |
| Financial debts170/4 | - | €78,864 | €63,579 | €48,032 | €32,214 | ▼ 32.9% |
| Amounts payable within one year42/48 | €15,009 | €30,687 | €18,138 | €20,736 | €16,347 | ▼ 21.2% |
| Current portion of amounts payable after more than one year42 | - | €9,960 | €10,067 | €10,173 | €10,283 | ▲ 1.1% |
| Trade debts44 | €3,166 | €1,827 | €5,920 | €4,713 | €383 | ▼ 91.9% |
| Suppliers440/4 | - | €1,827 | €5,920 | €4,713 | €383 | ▼ 91.9% |
| Taxes, remuneration and social security45 | - | €3,900 | €2,150 | €5,850 | €5,681 | ▼ 2.9% |
| Taxes450/3 | - | €3,900 | €2,150 | €5,850 | €5,681 | ▼ 2.9% |
| Other amounts payable47/48 | - | €15,000 | - | - | - | - |
| Accrued charges and deferred income492/3 | - | €3,700 | - | - | €4,000 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21,817 | €26,622 | €12,280 | €15,309 | €20,806 | ▲ 35.9% |
| + Depreciation and write-downs630 | €19,882 | €21,821 | €20,588 | €23,951 | €21,647 | ▼ 9.6% |
| Operating cash flow (approximation) | €41,699 | €48,443 | €32,868 | €39,260 | €42,453 | ▲ 8.1% |
| Investment in fixed assets (approximation) | - | -€44,323 | -€24,791 | -€11,531 | -€11,460 | ▲ 0.6% |
| Change in cash | - | €16,024 | €28,580 | -€15,616 | -€27,104 | ▼ 73.6% |
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
2025
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €12,280 ▼53.9%
Net result drops to €12,280, the lowest in the series; recovery starts the following year.
22-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €26,622 ▲22%
Operating result €33,594, net result €26,622, both a record.
07-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 1 day late
2019
31-12
Financial
Equity above €150,000Eq €153,828 ▲20%
2 profitable years in a row build equity to €153,828.
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 59 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, Neufchâteau · 1 establishment unit since 2010
Ground area
6,182 m²
Building footprint
371 m²
Volume, LiDAR
2,694 m³
2 parcels, Wallonia · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
YAMAS
since 20102.201.447.959
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84043B0252/00X000 | Wallonia | 3,658 m² | 1 · 179 m² | 9.1 m · 2 fl. |
| 84043A0150/00A002 | Wallonia | 2,525 m² | 1 · 192 m² | 11.6 m · 3 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.
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Of 6,710 companies in sector 96230 we hold annual accounts for 628. 389 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
Founded15-12-2010
Fiscal year end31-12
Activities, NACEBEL 2025
96230Day spas, saunas and steam baths
E-invoicing
Reachable via Peppol
Peppol ID
0208:0831901296
Also
9925:BE0831901296
Registered
02-06-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.