YANY CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of YANY CONSTRUCT is 4.3% (elevated). The 2024 annual accounts show equity of €28,026 and a net result of €7,749. Equity is growing by ~26.4% per year across the filed fiscal years. Its solvency ranks better than 76% of 36380 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
An elevated bankruptcy probability caps the score. A confirmed filing finding caps the score. Each of these causes sets the same score on its own. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability93▲+43
Solvency96▼-4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
4.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days only on tighter terms
Liquidity ample (current ratio 3.14 against 4.74 in 2023; short-term debt: 29.4% and cash: 2.5% of total assets), and 29.4% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% 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 2024Solvency, return and age of the figures
Solvency
70.6%
Return on assets
19.5%
Age of the figures
24 mo
raises risk · Annual accounts not filed
The financial year that closed on 30-09-2025 was due at the National Bank by 30-04-2026. Nothing is on record, 150 days later.
NBB · 5 filingsPosition against the passed deadline
30-09-2025 close30-04-2026 deadline27-09-2026 today
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-09-2024 was due by 30-04-2025 and was filed on 24-06-2025, 55 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
not filed
2024
55 d late
2023
43 d early
2022
9 d early
2021
18 d early
2020
11 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 1 day before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check 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
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 2024, micro schema
Equity
€28,026▲ 38.2%
2023 · €20,277
Total assets
€39,679▲ 54.7%
2023 · €25,643
Net result
€7,749▲ 184%
2023 · €2,728
Working capital
€24,898▲ 24.2%
2023 · €20,049
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€7,449-€11,377▲ 52.7%€2,137▼ 81.2%€7,562▲ 254%€10,846▲ 43.4%
Net result€7,432-€8,444▲ 13.6%€1,573▼ 81.4%€2,728▲ 73.4%€7,749▲ 184%
Equity€7,532-€15,976▲ 112%€17,549▲ 9.8%€20,277▲ 15.5%€28,026▲ 38.2%
Total assets€12,116-€21,573▲ 78.1%€75,201▲ 249%€25,643▼ 65.9%€39,679▲ 54.7%
Debt€4,584-€5,597▲ 22.1%€57,652▲ 930%€5,365▼ 90.7%€11,652▲ 117%
Working capital€7,532-€14,109▲ 87.3%€17,549▲ 24.4%€20,049▲ 14.2%€24,898▲ 24.2%
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 43% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €39,679
Fixed assets
€3,128 ▲ 1,271%
Current assets
€36,551 ▲ 43.8%
Equity and liabilities €39,679
Equity
€28,026 ▲ 38.2%
Debt
€11,652 ▲ 117%
Debt's share of the balance-sheet total rises from 20.9% to 29.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11,146▲
2023 · €7,634
Cash flow
€8,049▲
2023 · €2,800
Current ratio
3.14▼
2023 · 4.74
Debt to equity
0.42▲
2023 · 0.26
ROE
27.6%▲
2023 · 13.5%
ROA
19.5%▲
2023 · 10.6%
Interest coverage
13.17▲
2023 · 2.21
Debt ≤ 1 year
€11,652▲
2023 · €5,365
Income taxes
€2,602▲
2023 · €1,380
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 4.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
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 26,964 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 | - | €933 | €467 | €72 | €300 | ▲ 318% |
| Other operating charges640/8 | - | €354 | - | €387 | €413 | ▲ 6.8% |
| Non-recurring operating charges66A | - | - | €1,400 | - | - | - |
| Gross operating margin9900 | €7,449 | €12,664 | €4,003 | €8,021 | €11,559 | ▲ 44.1% |
| Operating profit (loss)9901 | €7,449 | €11,377 | €2,137 | €7,562 | €10,846 | ▲ 43.4% |
| Financial income75/76B | - | - | - | - | €352 | - |
| Recurring financial income75 | €1 | - | - | - | €352 | - |
| Financial charges65/66B | - | €114 | €170 | €3,455 | €847 | ▼ 75.5% |
| Recurring financial charges65 | €18 | €114 | €170 | €3,455 | €847 | ▼ 75.5% |
| Profit (loss) for the period before taxes9903 | €7,432 | €11,263 | €1,967 | €4,108 | €10,351 | ▲ 152% |
| Income taxes67/77 | - | €2,819 | €393 | €1,380 | €2,602 | ▲ 88.6% |
| Profit (loss) for the period9904 | €7,432 | €8,444 | €1,573 | €2,728 | €7,749 | ▲ 184% |
| Profit (loss) for the period to be appropriated9905 | €7,432 | €8,444 | €1,573 | €2,728 | €7,749 | ▲ 184% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €12,116 | €21,573 | €75,201 | €25,643 | €39,679 | ▲ 54.7% |
| Fixed assets21/28 | - | €1,867 | - | €228 | €3,128 | ▲ 1,271% |
| Tangible fixed assets22/27 | - | €1,867 | - | €228 | €3,128 | ▲ 1,271% |
| Plant, machinery and equipment23 | - | - | - | €228 | €128 | ▼ 43.8% |
| Furniture and vehicles24 | - | €1,867 | - | - | €3,000 | - |
| Current assets29/58 | €12,116 | €19,706 | €75,201 | €25,415 | €36,551 | ▲ 43.8% |
| Amounts receivable within one year40/41 | €10,959 | €8,138 | €71,255 | €24,209 | €34,626 | ▲ 43.0% |
| Trade receivables40 | - | €7,800 | €71,255 | €24,035 | €22,614 | ▼ 5.9% |
| Other amounts receivable41 | - | €338 | - | €174 | €12,012 | ▲ 6,822% |
| Cash at bank and in hand54/58 | €1,157 | €11,568 | €3,946 | €1,206 | €980 | ▼ 18.8% |
| Deferred charges and accrued income490/1 | - | - | - | - | €945 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €12,116 | €21,573 | €75,201 | €25,643 | €39,679 | ▲ 54.7% |
| Equity10/15 | €7,532 | €15,976 | €17,549 | €20,277 | €28,026 | ▲ 38.2% |
| Contributions10/11 | €100 | €100 | €100 | €100 | €100 | = |
| Capital10 | - | €100 | €100 | €100 | €100 | = |
| Issued capital100 | - | €100 | €100 | €100 | €100 | = |
| Reserves13 | €10 | €10 | €10 | €10 | €10 | = |
| Non-distributable reserves130/1 | - | €10 | €10 | €10 | €10 | = |
| Legal reserve130 | - | €10 | €10 | €10 | €10 | = |
| Profit (loss) carried forward14 | €7,422 | €15,866 | €17,439 | €20,167 | €27,916 | ▲ 38.4% |
| Amounts payable17/49 | €4,584 | €5,597 | €57,652 | €5,365 | €11,652 | ▲ 117% |
| Amounts payable within one year42/48 | €4,584 | €5,597 | €57,652 | €5,365 | €11,652 | ▲ 117% |
| Trade debts44 | €3,454 | €845 | €48,215 | - | €9,050 | - |
| Suppliers440/4 | - | €845 | €48,215 | - | €9,050 | - |
| Taxes, remuneration and social security45 | - | €2,819 | €1,292 | €1,773 | €2,602 | ▲ 46.8% |
| Taxes450/3 | - | €2,819 | €1,292 | €1,773 | €2,602 | ▲ 46.8% |
| Other amounts payable47/48 | - | €1,933 | €8,145 | €3,593 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,432 | €8,444 | €1,573 | €2,728 | €7,749 | ▲ 184% |
| + Depreciation and write-downs630 | - | €933 | €467 | €72 | €300 | ▲ 318% |
| Operating cash flow (approximation) | €7,432 | €9,377 | €2,040 | €2,800 | €8,049 | ▲ 187% |
| Investment in fixed assets (approximation) | - | - | - | - | -€3,200 | - |
| Change in cash | - | €10,411 | -€7,622 | -€2,740 | -€226 | ▲ 91.7% |
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
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity quadruplescurrent ratio 4.74
Current ratio from 1.30 to 4.74; short-term debt falls from €57,652 to €5,365.
21-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €1,573 ▼81.4%
Net result drops to €1,573, the lowest in the series; recovery starts the following year.
12-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2020net €8,444 ▲13.6%
Operating result €11,377, net result €8,444, both a record.
11-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 act for this company is 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, Schaarbeek · 1 establishment unit since 2019
Ground area
213 m²
Building footprint
153 m²
Volume, LiDAR
2,682 m³
Parcel 21911C0096/00D019, Brussels · tallest building 20.4 m, ±6 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
YANY CONSTRUCT
since 20192.289.549.396
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21911C0096/00D019 | Brussels | 213 m² | 1 · 153 m² | 20.4 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
DELTA POOLS & PONDS
BE 0672.528.912
Maldegem · Eq €28,030
ROBIN ROISEUX
BE 1012.943.680
Rendeux · Eq €28,018
SLS CONSTRUCT
BE 0841.012.467
Evere · Eq €28,037
M.A. BÂTI
BE 0685.789.802
Brussel · Eq €28,047
LEBRUN MICHAEL
BE 0830.028.604
Gesves · Eq €28,054
Of 15,521 companies in sector 43990 we hold annual accounts for 7,420. 5,611 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 (pre-2019)
Founded27-03-2019
Fiscal year end30-09
Activities, NACEBEL 2025
43990Other specialised construction activities
43230Insulation installation
81210General cleaning of buildings
Contact
Phone
0483373535Schaarbeek
E-invoicing
Reachable via Peppol
Peppol ID
0208:0723707397
Also
9925:BE0723707397
Registered
02-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.