YERAZ
ActiveThe computed 12-month bankruptcy probability of YERAZ is 1.5% (moderate). The 2024 annual accounts show equity of €137k and a net result of €-5k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 73% of 26065 sector peers (fiscal year 2024). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-10
Solvency99▲+3
Growth32▼-46
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.44 against 2.02 in 2023), and 39.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 47
higher
← 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
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
60.4%
Return on assets
-2.1%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
107 d late
2022
26 d early
2021
108 d late
2020
129 d late
2019
90 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€849k
EBIT margin
-0.3%
Net result
€-5k
2023 · €554
2021: €-773
2022: €2k
2023: €554
2021 → 2024
Working capital
€130k▼ 2.6%
2023 · €133k
2021: €138k
2022: €136k
2023: €133k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Turnover€849k
Equity€139k-€141k▲ 1.5%€142k▲ 0.4%€137k▼ 3.4%
Operating result€10k-€7k▼ 26.4%€-3k€-5k▼ 93.1%
Net result€-773-€2k€554▼ 73.6%€-5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2024 against €3k in 2023; the loss grows and 2024 is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €227k
Fixed assets
€8k▼ 40.5%
Current assets
€220k▼ 16.5%
Equity and liabilities €227k
Equity
€137k▼ 3.4%
Debt
€90k▼ 32.8%
The debt ratio falls from 48.5% to 39.6%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-46▼
2023 · €4k
Cash flow
€442▼
2023 · €7k
Solvency
60.4%▲
2023 · 51.5%
Current ratio
2.44▲
2023 · 2.02
Quick ratio
2.44▲
2023 · 2.02
Debt / equity
0.66▼
2023 · 0.94
ROE
-3.5%▼
2023 · 0.4%
ROA
-2.1%▼
2023 · 0.2%
Interest coverage
-0.02▼
2023 · 1.31
Debt
€90k▼
2023 · €134k
Debt ≤ 1 year
€90k▼
2023 · €130k
Income taxes
€229▲
2023 · €-3k
Staff costs
€26k▼
2023 · €34k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Total assets
20/58€276k€227k▼
Fixed assets
21/28€13k€8k▼
Tangible fixed assets
22/27€6k€600▼
Financial fixed assets
28€7k€7k▲
Current assets
29/58€263k€220k▼
Amounts receivable within one year
40/41€105k€71k▼
Cash & bank
54/58€3k€9k▲
Total equity & liabilities
10/49€276k€227k▼
Equity
10/15€142k€137k▼
Contributions / capital
10/11€6k€6k=
Reserves
13€17k€17k=
Accumulated profits (losses)
14€119k€114k▼
Amounts payable
17/49€134k€90k▼
Amounts payable after one year
17€4k-
Amounts payable within one year
42/48€130k€90k▼
Trade debts payable within one year
44€107k€74k▼
Income statement
Code20232024
Turnover
70€849k-
Gross operating margin
9900€54k€26k▼
Operating result
9901€-3k€-5k▼
Financial income
75€3k€3k▼
Financial charges
65€3k€3k▼
Result before taxes
9903€-2k€-5k▼
Income taxes
67/77€-3k€229▲
Net result for the period
9904€554€-5k▼
Result to be appropriated
9905€554€-5k▼
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-5k ▼961%
Net result drops to €-5k, the lowest in the series.
15-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 107 days late
14-02
State Gazette act
Statutes amendment
Jean VAN den WOUWER
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
16-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 108 days late
2021
07-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 129 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
Den Bies
BE 0538.507.970
Westerlo · Eq €137k
MAIHAN WATAN
BE 0536.174.626
Braine-le-Comte · Eq €137k
A&F EXPRESS
BE 0713.572.382
Antwerpen · Eq €137k
Proxiney
BE 0665.523.334
Namur · Eq €137k
LUISMIL
BE 1001.611.112
Montigny-le-Tilleul · Eq €138k
Of 10,447 companies in sector 47110 we hold annual accounts for 5,533. 4,314 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-03-2008
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47621Retail sale of newspapers and periodicals
47260Retail trade
47620Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 19-07-2026. Scores and ratios are computed by Checked and are not a credit decision.