YCARE
ActiveSummary
YCARE has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €283,478 and a net result of -€21,165. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 46% of 14254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability32▼-16
Solvency50=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14,000 at 30 days acceptable
Liquidity short (current ratio 0.11 against 0.18 in 2024; short-term debt: 59.7% and cash: 3% of total assets), and 75.4% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% 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
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
57 d late
2023
188 d late
2022
32 d late
2021
78 d late
2020
123 d late
2019
124 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 90 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% 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. Usually files around 26 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€283,478▼ 6.9%
2024 · €304,643
Total assets
€1.2m▼ 4.9%
2024 · €1.2m
Net result
-€21,165
2024 · €4,755
Working capital
-€613,397▼ 0.8%
2024 · -€608,398
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate 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
Operating result-€1,962€32,691€14,074▼ 56.9%€26,376▲ 87.4%€1,689▼ 93.6%
Net result-€7,321within the sector's middle half€26,861within the sector's middle half€5,097within the sector's middle half▼ 81.0%€4,755within the sector's middle half▼ 6.7%-€21,165below the sector's middle half
Equity€267,930within the sector's middle half▼ 2.7%€294,791within the sector's middle half▲ 10.0%€299,888within the sector's middle half▲ 1.7%€304,643within the sector's middle half▲ 1.6%€283,478within the sector's middle half▼ 6.9%
Total assets€884,922within the sector's middle half▲ 3.0%€863,715within the sector's middle half▼ 2.4%€1.2mabove the sector's middle half▲ 42.7%€1.2mabove the sector's middle half▼ 1.7%€1.2mabove the sector's middle half▼ 4.9%
Debt€616,992▲ 5.7%€568,924▼ 7.8%€932,331▲ 63.9%€906,752▼ 2.7%€868,329▼ 4.2%
Working capital-€239,002below the sector's middle half▼ 36.8%-€213,972below the sector's middle half▲ 10.5%-€382,953below the sector's middle half▼ 79.0%-€608,398below the sector's middle half▼ 58.9%-€613,397below the sector's middle half▼ 0.8%
Solvency30.3%within the sector's middle half▼ 1.8pp34.1%within the sector's middle half▲ 3.9pp24.3%within the sector's middle half▼ 9.8pp25.1%within the sector's middle half▲ 0.8pp24.6%within the sector's middle half▼ 0.5pp
Current ratio0.39below the sector's middle half▼ 0.100.41below the sector's middle half▲ 0.020.24below the sector's middle half▼ 0.170.18below the sector's middle half▼ 0.060.11below the sector's middle half▼ 0.07
Return on assets (ROA)-0.8%within the sector's middle half▼ 6.2pp3.1%within the sector's middle half▲ 3.9pp0.4%within the sector's middle half▼ 2.7pp0.4%within the sector's middle half=-1.8%within the sector's middle half▼ 2.2pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate 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 falls in 2025; 2025 is 94% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.2m
Fixed assets
€1.1m ▼ 0.3%
Current assets
€73,990 ▼ 43.1%
Equity and liabilities €1.2m
Equity
€283,478 ▼ 6.9%
Debt
€868,329 ▼ 4.2%
Debt's share of the balance-sheet total rises from 74.9% to 75.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€41,053▼
2024 · €66,394
Cash flow
€18,199▼
2024 · €44,773
Quick ratio
0.10▼
2024 · 0.17
Debt to equity
3.06▲
2024 · 2.98
ROE
-7.5%▼
2024 · 1.6%
Interest coverage
1.81▼
2024 · 3.43
Debt ≤ 1 year
€687,387▼
2024 · €738,500
Debt > 1 year
€180,942▲
2024 · €168,252
Income taxes
€197▼
2024 · €2,248
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,508 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 10 to 30%
- a small loss
1.4%
went bankrupt
1.7%
stopped otherwise
96%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% 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 497,662 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% | 1.7% |
| 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 75% 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 2,508 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €11,078 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €34,884 | €35,389 | €37,373 | €40,018 | €39,364 | ▼ 1.6% |
| Other operating charges640/8 | €1,655 | €2,416 | €319 | €1,024 | €1,095 | ▲ 6.9% |
| Non-recurring operating charges66A | - | - | - | €223 | €200 | ▼ 10.6% |
| Gross operating margin9900 | €34,577 | €70,496 | €51,766 | €67,642 | €42,347 | ▼ 37.4% |
| Operating profit (loss)9901 | -€1,962 | €32,691 | €14,074 | €26,376 | €1,689 | ▼ 93.6% |
| Financial income75/76B | €5 | €0 | €256 | €6 | €75 | ▲ 1,062% |
| Recurring financial income75 | €5 | €0 | €256 | €6 | €75 | ▲ 1,062% |
| Financial charges65/66B | €5,287 | €5,680 | €8,190 | €19,379 | €22,732 | ▲ 17.3% |
| Recurring financial charges65 | €5,287 | €5,680 | €8,190 | €19,379 | €22,732 | ▲ 17.3% |
| Profit (loss) for the period before taxes9903 | -€7,244 | €27,011 | €6,141 | €7,003 | -€20,968 | ▼ 399% |
| Income taxes67/77 | €77 | €151 | €1,043 | €2,248 | €197 | ▼ 91.2% |
| Profit (loss) for the period9904 | -€7,321 | €26,861 | €5,097 | €4,755 | -€21,165 | ▼ 545% |
| Profit (loss) for the period to be appropriated9905 | -€7,321 | €26,861 | €5,097 | €4,755 | -€21,165 | ▼ 545% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €884,922 | €863,715 | €1.2m | €1.2m | €1.2m | ▼ 4.9% |
| Fixed assets21/28 | €733,400 | €716,107 | €1.1m | €1.1m | €1.1m | ▼ 0.3% |
| Tangible fixed assets22/27 | €733,400 | €716,107 | €1.1m | €1.1m | €1.1m | ▼ 0.3% |
| Land and buildings22 | €134,574 | €134,574 | €546,497 | €546,497 | €546,497 | = |
| Plant, machinery and equipment23 | €4,372 | €4,395 | €4,363 | €3,600 | €1,920 | ▼ 46.7% |
| Furniture and vehicles24 | €60,196 | €45,386 | €34,637 | €24,475 | €41,249 | ▲ 68.5% |
| Assets under construction and advance payments27 | €534,258 | €531,753 | €525,290 | €506,721 | €488,152 | ▼ 3.7% |
| Current assets29/58 | €151,522 | €147,607 | €121,433 | €130,102 | €73,990 | ▼ 43.1% |
| Stocks and contracts in progress3 | €7,256 | €2,759 | €10,357 | €3,161 | €4,282 | ▲ 35.5% |
| Stocks30/36 | €7,256 | €2,759 | €10,357 | €3,161 | €4,282 | ▲ 35.5% |
| Amounts receivable within one year40/41 | €126,964 | €105,092 | €91,755 | €69,111 | €35,556 | ▼ 48.6% |
| Trade receivables40 | €126,964 | €98,959 | €91,225 | €69,058 | €15,043 | ▼ 78.2% |
| Other amounts receivable41 | - | €6,132 | €530 | €53 | €20,513 | ▲ 38,950% |
| Cash at bank and in hand54/58 | €16,319 | €39,757 | €19,142 | €57,559 | €34,029 | ▼ 40.9% |
| Deferred charges and accrued income490/1 | €982 | - | €178 | €270 | €122 | ▼ 54.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €884,922 | €863,715 | €1.2m | €1.2m | €1.2m | ▼ 4.9% |
| Equity10/15 | €267,930 | €294,791 | €299,888 | €304,643 | €283,478 | ▼ 6.9% |
| Contributions10/11 | €156,173 | €156,173 | €156,173 | €156,173 | €156,173 | = |
| Reserves13 | €76,090 | €76,090 | €81,188 | €85,943 | €85,943 | = |
| Non-distributable reserves130/1 | €15,617 | €15,617 | €15,617 | €15,617 | €15,617 | = |
| Reserves not available under the articles1311 | €15,617 | €15,617 | €15,617 | €15,617 | €15,617 | = |
| Distributable reserves133 | €60,473 | €60,473 | €65,570 | €70,325 | €70,325 | = |
| Profit (loss) carried forward14 | €35,666 | €62,527 | €62,527 | €62,527 | €41,362 | ▼ 33.8% |
| Amounts payable17/49 | €616,992 | €568,924 | €932,331 | €906,752 | €868,329 | ▼ 4.2% |
| Amounts payable after more than one year17 | €226,468 | €207,344 | €427,946 | €168,252 | €180,942 | ▲ 7.5% |
| Financial debts170/4 | €224,768 | €205,644 | €426,246 | €166,552 | €179,242 | ▲ 7.6% |
| Other amounts payable178/9 | €1,700 | €1,700 | €1,700 | €1,700 | €1,700 | = |
| Amounts payable within one year42/48 | €390,524 | €361,580 | €504,385 | €738,500 | €687,387 | ▼ 6.9% |
| Current portion of amounts payable after more than one year42 | €18,845 | €19,124 | €19,399 | €19,694 | €19,986 | ▲ 1.5% |
| Financial debts43 | - | - | - | €295,000 | €10,602 | ▼ 96.4% |
| Credit institutions430/8 | - | - | - | €295,000 | €10,602 | ▼ 96.4% |
| Trade debts44 | €46,787 | €49,049 | €115,841 | €112,388 | €138,298 | ▲ 23.1% |
| Suppliers440/4 | €46,787 | €49,049 | €115,841 | €112,388 | €138,298 | ▲ 23.1% |
| Taxes, remuneration and social security45 | €21,969 | €340 | €1,400 | €6,042 | €2,424 | ▼ 59.9% |
| Taxes450/3 | €18,831 | €340 | €1,400 | €6,042 | €2,424 | ▼ 59.9% |
| Remuneration and social security454/9 | €3,137 | - | - | - | - | - |
| Other amounts payable47/48 | €302,923 | €293,067 | €367,745 | €305,376 | €516,078 | ▲ 69.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€7,321 | €26,861 | €5,097 | €4,755 | -€21,165 | ▼ 545% |
| + Depreciation and write-downs630 | €34,884 | €35,389 | €37,373 | €40,018 | €39,364 | ▼ 1.6% |
| Operating cash flow (approximation) | €27,563 | €62,250 | €42,470 | €44,773 | €18,199 | ▼ 59.4% |
| Investment in fixed assets (approximation) | - | -€18,097 | -€432,052 | -€10,525 | -€35,888 | ▼ 241% |
| Change in cash | - | €23,438 | -€20,614 | €38,417 | -€23,530 | ▼ 161% |
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
Weakest financial yearnet -€21,165
Net result drops to -€21,165, the lowest in the series.
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
04-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 188 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Back to profitnet €26,861
Net result €26,861 after one loss-making year.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
01-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 123 days late
2020
31-12
Financial
Highest result since 2018net €46,270 ▲438%
Operating result €56,519, net result €46,270, both a record.
02-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 124 days late
2019
31-12
Financial
Back to profitnet €8,595
Net result €8,595 after one loss-making year.
16-07
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
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 1999
Ground area
356 m²
Building footprint
116 m²
Volume, LiDAR
804 m³
Parcel 25386B0088/00M005, Wallonia · tallest building 12.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chemin de Moulinsart 9, 1348 Ottignies-Louvain-la-Neuve
since 19992.092.143.510
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25386B0088/00M005 | Wallonia | 356 m² | 1 · 116 m² | 12.4 m · 2 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.
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GROUP J.M.C.
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Of 11,757 companies in sector 68310 we hold annual accounts for 6,914. 5,004 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)
Founded26-07-1999
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
43211General electrical installation work
43221Plumbing work
43331Floor and wall tiling
43410Roofing work
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0466550697
Also
9925:BE0466550697
Registered
15-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.