YFAM

Active

Private limited companyfounded 20206 yrs activeAvenue Vénus 9, 1410 Waterloo, BelgiumKBO/BCE: BE 0751.545.112

Summary

The computed 12-month bankruptcy probability of YFAM is 7.6% (elevated). The 2024 annual accounts show equity of €126,498 and a net result of €67,265. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

YFAMActiveChecked score 38/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€163,232total assets 2024

Equity: €126,498
Profit: €67,265

Turnover not published (abridged schema)

Financial health

38 Weak Checked score 2024

Bankruptcy chance 12 m: 7.6%

Structure

Accounts 64 d overdue0 of 2 deeds read

Why 38- Figures for FY 2024 (filed 16-12-2025)- 1 financial year not filed after the legal deadline; latest accounts 136 days late; 2 of the last 3 late- 1 change of registered office in 24 months+ Size: total assets €163,232Show the evidence

Checked score

Score 2024

38 / 100

Weak

Probability in this band: 4.2% to 15.0%

Better than 81% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2021

Strong

Solvency 100+33

equity 77.5% of total assets

Liquidity 79+9

short-term debt 22.5% · cash 29.4%

Profitability 100=

return on assets 41.2%

Bankruptcy probability, 12 months

7.6% Elevated

0%0.5%1.5%4%10%≥ 25%

About 8 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 10.5% 12-2024: 10.5%● 0.0% vs 11-2024 01-2025: 10.5%● 0.0% vs 12-2024 02-2025: 10.5%● 0.0% vs 01-2025 03-2025: 10.5%● 0.0% vs 02-2025 04-2025: 10.5%● 0.0% vs 03-2025 05-2025: 10.5%● +0.0% vs 04-2025 06-2025: 10.5%● 0.0% vs 05-2025 07-2025: 17.9%▲ +70.4% vs 06-2025highest value 08-2025: 16.7%▼ -7.1% vs 07-2025 09-2025: 16.4%▼ -1.5% vs 08-2025 10-2025: 16.2%▼ -1.5% vs 09-2025 11-2025: 16.2%● 0.0% vs 10-2025 12-2025: 16.2%● 0.0% vs 11-2025 01-2026: 2.1%▼ -86.8% vs 12-2025lowest value 02-2026: 2.1%● 0.0% vs 01-2026lowest value 03-2026: 2.1%● 0.0% vs 02-2026lowest value 04-2026: 2.3%▲ +8.3% vs 03-2026 05-2026: 2.5%▲ +8.6% vs 04-2026 06-2026: 2.9%▲ +14.3% vs 05-2026 07-2026: 2.9%▲ +2.5% vs 06-2026 08-2026: 4.0%▲ +37.6% vs 07-2026 09-2026: 4.6%▲ +12.8% vs 08-2026 10-2026: 7.6%▲ +66.5% vs 09-2026

Figures for FY 2024 (filed 16-12-2025) raises the probability
1 financial year not filed after the legal deadline; latest accounts 136 days late; 2 of the last 3 late raises the probability
1 change of registered office in 24 months raises the probability
Size: total assets €163,232 lowers the probability for this profile

Credit up to €4,500 at 30 days only on tighter terms

Liquidity ample (current ratio 4.41 against 1.69 in 2021; short-term debt: 22.5% and cash: 29.4% of total assets), and 22.5% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 81%, liquidity 73%, profitability 90%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk

Figures for FY 2024 (filed 16-12-2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

1 financial year not filed after the legal deadline; latest accounts 136 days late; 2 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Size: total assets €163,232

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-12-2025, 136 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 2 filings

Deviation from the deadline

2025

not confirmed

2024

136 d late

2021

61 d late

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 2 accounts on average 99 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)

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