YOUR-WALLETS
ActiveSummary
YOUR-WALLETS has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4,011 and a net result of €1,011. Its solvency ranks better than 31% of 13,511 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Financials · financial year 2025, micro format
Turnover and EBIT margin not published: the micro format does not require them.
Peer companies
Historical observationOf the 2,542 companies that looked in July 2024 the way this one looks now, 3.5% went bankrupt within 24 months and 94.9% are still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% 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 497,472 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 2,542 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.
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €627 |
| Gross operating margin9900 | €3,500 |
| Operating profit (loss)9901 | €2,874 |
| Financial income75/76B | €60 |
| Recurring financial income75 | €60 |
| Financial charges65/66B | €1,544 |
| Recurring financial charges65 | €1,544 |
| Profit (loss) for the period before taxes9903 | €1,389 |
| Income taxes67/77 | €379 |
| Profit (loss) for the period9904 | €1,011 |
| Profit (loss) for the period to be appropriated9905 | €1,011 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €25,162 | |
| Formation expenses20 | €2,010 | |
| Current assets29/58 | €23,152 | |
| Amounts receivable within one year40/41 | €29 | |
| Other amounts receivable41 | €29 | |
| Cash at bank and in hand54/58 | €23,123 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €25,162 | |
| Equity10/15 | €4,011 | |
| Contributions10/11 | €3,000 | |
| Reserves13 | €1,011 | |
| Distributable reserves133 | €1,011 | |
| Amounts payable17/49 | €21,152 | |
| Amounts payable within one year42/48 | €21,152 | |
| Financial debts43 | €19,156 | |
| Other loans439 | €19,156 | |
| Taxes, remuneration and social security45 | €996 | |
| Taxes450/3 | €996 | |
| Other amounts payable47/48 | €1,000 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €1,011 |
| + Depreciation and write-downs630 | €627 |
| Operating cash flow (approximation) | €1,637 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 17-06-2026 | 2026-00168741 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.