YIPRAMAZ
ActiveSummary
The computed 12-month bankruptcy probability of YIPRAMAZ is 4.0% (moderate). The 2024 annual accounts show equity of €83k and a net result of €9k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 92% of 36375 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability81▲+75
Solvency100▲+21
Growth52=
Track record100
Bankruptcy probability, 12 months
4.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 7.51 against 2.08 in 2023; short-term debt: 12.7% and cash: 26% of total assets), and 12.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
27 d early
2022
68 d late
2021
53 d early
2020
31 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€83k▲ 12.1%
2023 · €74k
2020: €47klowest in 5 years
2021: €49k▲ +3.6% vs 2020
2022: €88k▲ +80.7% vs 2021highest in 5 years
2023: €74k▼ -16.2% vs 2022
2024: €83k▲ +12.1% vs 2023
2020 → 2024
Total assets
€95k▼ 30.0%
2023 · €136k
2020: €67k
2021: €58k▼ -14.1% vs 2020lowest in 5 years
2022: €107k▲ +85.2% vs 2021
2023: €136k▲ +26.9% vs 2022highest in 5 years
2024: €95k▼ -30.0% vs 2023
2020 → 2024
Net result
€9k
2023 · €-14k
2020: €42khighest in 5 years
2021: €2k▼ -96.0% vs 2020
2022: €39k▲ +2237% vs 2021
2023: €-14k▼ -136% vs 2022lowest in 5 years
2024: €9k▲ +163% vs 2023
2020 → 2024
Working capital
€79k▲ 17.7%
2023 · €67k
2020: €26klowest in 5 years
2021: €30k▲ +16.6% vs 2020
2022: €72k▲ +142% vs 2021
2023: €67k▼ -7.3% vs 2022
2024: €79k▲ +17.7% vs 2023highest in 5 years
2020 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€47k-€49k▲ 3.6%€88k▲ 80.7%€74k▼ 16.2%€83k▲ 12.1%
2020: €47klowest in 5 years
2021: €49k▲ +3.6% vs 2020
2022: €88k▲ +80.7% vs 2021highest in 5 years
2023: €74k▼ -16.2% vs 2022
2024: €83k▲ +12.1% vs 2023
Operating result€54k-€3k▼ 94.6%€50k▲ 1,630%€-14k€10k
2020: €54khighest in 5 years
2021: €3k▼ -94.6% vs 2020
2022: €50k▲ +1630% vs 2021
2023: €-14k▼ -128% vs 2022lowest in 5 years
2024: €10k▲ +170% vs 2023
Net result€42k-€2k▼ 96.0%€39k▲ 2,237%€-14k€9k
2020: €42khighest in 5 years
2021: €2k▼ -96.0% vs 2020
2022: €39k▲ +2237% vs 2021
2023: €-14k▼ -136% vs 2022lowest in 5 years
2024: €9k▲ +163% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €10k after a loss of €14k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €95k
Fixed assets
€4k ▼ 39.7%
Current assets
€91k ▼ 29.4%
Equity and liabilities €95k
Equity
€83k ▲ 12.1%
Debt
€12k ▼ 80.4%
Debt's share of the balance-sheet total falls from 45.5% to 12.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▲
2023 · €-10k
Cash flow
€12k▲
2023 · €-11k
Current ratio
7.51▲
2023 · 2.08
Debt to equity
0.15▼
2023 · 0.83
ROE
10.8%▲
2023 · -19.3%
ROA
9.4%▲
2023 · -10.5%
Interest coverage
43.56▲
2023 · -34.61
Debt ≤ 1 year
€12k▼
2023 · €62k
Income taxes
€402▲
2023 · €213
Staff costs
€110
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 38 lines
Balance sheet
Code20232024
Assets
Total assets20/58€136k€95k▼
Fixed assets21/28€7k€4k▼
Tangible fixed assets22/27€7k€4k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€2k€344▼
Financial fixed assets28€50€611▲
Current assets29/58€129k€91k▼
Amounts receivable within one year40/41€124k€66k▼
Trade receivables40€124k€57k▼
Other amounts receivable41-€9k
Cash at bank and in hand54/58€5k€25k▲
Equity and liabilities
Total equity and liabilities10/49€136k€95k▼
Equity10/15€74k€83k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€69k€78k▲
Amounts payable17/49€62k€12k▼
Amounts payable within one year42/48€62k€12k▼
Trade debts44€45k€8k▼
Suppliers440/4€45k€8k▼
Taxes, remuneration and social security45€17k€4k▼
Taxes450/3€17k€370▼
Remuneration and social security454/9-€4k
Other amounts payable47/48€102-
Income statement
Code20232024
Remuneration, social security and pensions62-€110
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€6k€1k▼
Gross operating margin9900€-4k€14k▲
Operating profit (loss)9901€-14k€10k▲
Financial income75/76B€4€47▲
Recurring financial income75€4€47▲
Financial charges65/66B€299€300▲
Recurring financial charges65€299€300▲
Profit (loss) for the period before taxes9903€-14k€9k▲
Income taxes67/77€213€402▲
Profit (loss) for the period9904€-14k€9k▲
Profit (loss) for the period to be appropriated9905€-14k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€69k€78k▲
Profit (loss) brought forward from the previous period14P€83k€69k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | - | €110 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €6k | €6k | €3k | €3k | ▼ 0.4% |
| Other operating charges640/8 | - | €936 | €13k | €6k | €1k | ▼ 80.8% |
| Gross operating margin9900 | €60k | €10k | €68k | €-4k | €14k | ▲ 459% |
| Operating profit (loss)9901 | €54k | €3k | €50k | €-14k | €10k | ▲ 170% |
| Financial income75/76B | - | - | €0 | €4 | €47 | ▲ 989% |
| Recurring financial income75 | - | - | €0 | €4 | €47 | ▲ 989% |
| Financial charges65/66B | - | €193 | €212 | €299 | €300 | ▲ 0.4% |
| Recurring financial charges65 | €85 | €193 | €212 | €299 | €300 | ▲ 0.4% |
| Profit (loss) for the period before taxes9903 | €54k | €3k | €50k | €-14k | €9k | ▲ 167% |
| Income taxes67/77 | €11k | €1k | €10k | €213 | €402 | ▲ 88.4% |
| Profit (loss) for the period9904 | €42k | €2k | €39k | €-14k | €9k | ▲ 163% |
| Profit (loss) for the period to be appropriated9905 | €42k | €2k | €39k | €-14k | €9k | ▲ 163% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €67k | €58k | €107k | €136k | €95k | ▼ 30.0% |
| Formation expenses20 | €571 | €293 | €15 | - | - | - |
| Fixed assets21/28 | €21k | €19k | €16k | €7k | €4k | ▼ 39.7% |
| Tangible fixed assets22/27 | €21k | €19k | €16k | €7k | €4k | ▼ 47.8% |
| Plant, machinery and equipment23 | - | - | €6k | €5k | €3k | ▼ 29.6% |
| Furniture and vehicles24 | - | €19k | €10k | €2k | €344 | ▼ 85.3% |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €611 | ▲ 1,122% |
| Current assets29/58 | €46k | €39k | €91k | €129k | €91k | ▼ 29.4% |
| Amounts receivable within one year40/41 | €33k | €29k | €69k | €124k | €66k | ▼ 46.6% |
| Trade receivables40 | - | €2k | €64k | €124k | €57k | ▼ 53.5% |
| Other amounts receivable41 | - | €27k | €4k | - | €9k | - |
| Cash at bank and in hand54/58 | €13k | €10k | €21k | €5k | €25k | ▲ 406% |
| Deferred charges and accrued income490/1 | - | - | €959 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €67k | €58k | €107k | €136k | €95k | ▼ 30.0% |
| Equity10/15 | €47k | €49k | €88k | €74k | €83k | ▲ 12.1% |
| Contributions10/11 | - | €5k | €5k | €5k | €5k | = |
| Profit (loss) carried forward14 | €42k | €44k | €83k | €69k | €78k | ▲ 13.0% |
| Amounts payable17/49 | €20k | €9k | €19k | €62k | €12k | ▼ 80.4% |
| Amounts payable within one year42/48 | €20k | €9k | €19k | €62k | €12k | ▼ 80.4% |
| Trade debts44 | €5k | €4k | €3k | €45k | €8k | ▼ 82.2% |
| Suppliers440/4 | - | €4k | €3k | €45k | €8k | ▼ 82.2% |
| Taxes, remuneration and social security45 | - | €5k | €15k | €17k | €4k | ▼ 75.5% |
| Taxes450/3 | - | €1k | €10k | €17k | €370 | ▼ 97.8% |
| Remuneration and social security454/9 | - | €4k | €5k | - | €4k | - |
| Other amounts payable47/48 | - | - | €223 | €102 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €42k | €2k | €39k | €-14k | €9k | ▲ 163% |
| + Depreciation and write-downs630 | €4k | €6k | €6k | €3k | €3k | ▼ 0.4% |
| Operating cash flow (approximation) | €47k | €7k | €45k | €-11k | €12k | ▲ 214% |
| Investment in fixed assets (approximation) | - | €-3k | €-3k | €6k | €-561 | ▼ 110% |
| Change in cash | - | €-3k | €11k | €-16k | €20k | ▲ 222% |
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
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 7.51
Current ratio from 2.08 to 7.51; short-term debt falls from €62k to €12k.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
07-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 68 days late
2022
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Anderlecht · 1 establishment unit since 2020
Ground area
225 m²
Building footprint
113 m²
Volume, LiDAR
933 m³
Parcel 21001A0506/00M003, Brussels · tallest building 15.2 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
YIPRAMAZ
since 20202.298.299.885
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21001A0506/00M003 | Brussels | 225 m² | 1 · 113 m² | 15.2 m · 3 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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Of 15,529 companies in sector 43990 we hold annual accounts for 7,420. 6,241 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
Founded21-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
Scores and ratios are computed by Checked and are not a credit decision.