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 13,639 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Overview
- Equity
- €4,011
- Profit
- €1,011
Why 68raises riskFounded in 2024Equity €4,011 (15.9% of total assets)lowers riskLiquidity: current ratio 1.09, cash €23,123Figures for financial year 2025 (filed 17-06-2026)Show the evidence
Checked score
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro): better than 28% on solvency, 59% on liquidity and 34% on profitability.
The bankruptcy probability was computed on 25-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointments: STEVENS Jens Robin (director)…
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 94.8% are still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% 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 497,475 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% | 0.9% |
| 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.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| STEVENS Jens Robin |
|
| VAN VYNCKT Viktor Eric Rosine |
|
Owners and capital
Capital and shareholders
- STEVENS Jens Robin founder
- VAN VYNCKT Viktor Eric Rosine founder
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 16-10-2024 Incorporation · €3,000
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
16-10
Gazette deed
IncorporationAppointments: STEVENS Jens Robin (director) and VAN VYNCKT Viktor Eric Rosine (director) · Founder · Founding capital8 facts ▸
- Incorporation, 09-10-2024
- Founder, STEVENS Jens Robin
- Founder, VAN VYNCKT Viktor Eric Rosine
- Founding capital, €3,000
- Registered office clause, “9880 Aalter,Weibroekkouter 6” (deed in Dutch)
- Director appointment, STEVENS Jens Robin (director)
- Director appointment, VAN VYNCKT Viktor Eric Rosine (director)
- Pre-incorporation commitments, “takeover, rechtshandelingen in haar naam en voor haar rekening voor oprichting” (deed in Dutch)
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 26 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 44502C0194/00K000 | Flanders | 818 m² | 1 · 160 m² | 8.6 m · 2 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Alle aanverwante activiteiten van verhuur van betaalkaarten; Het verhuren van materiaal zoals handscanners,routers,gsm's,enzovoort; Het…” (deed in Dutch)
10 activities (deed in Dutch)
- Alle aanverwante activiteiten van verhuur van betaalkaarten
- Het verhuren van materiaal zoals handscanners,routers,gsm's,enzovoort
- Het aanbieden van premium functies die organisaties zelfstandig kunnen activeren in hun webshop
- Uitvoeren van refunds in opdracht van de organisaties
- Uitvoeren van web development voor derden
- Verkopen van merchandise
- Foto- en videografie inclusief naverwerking van beelden
- Aan- en verkoop van betaalkaarten
- Verzorgen van een dienst waarbij organisatoren hun betaalsysteem digitaliseren,zodat data en inzichten verkregen kunnen worden
- Voorzien van bekabelde en mobiele netwerk installaties op locatie,verhuur van bijhorende materialen/toestellen
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- YOUR-WALLETS
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaamse Gewest, 9880 Aalter,Weibroekkouter 6” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Artikel 13. Vertegenwoordigingsbevoegdheid Iedere bestuurder vertegenwoordigt de vennootschap jegens derden en in rechte als eiser of als…”
- Board ruleHow the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur,statutair bestuurder mogelijk indien benoemd in statuten,bevoegdheid bij meerdere bestuurders bepaald door…” (deed in Dutch)“Al dan niet ten kosteloze titel, algemene kosten,los van representatie-,reis- en verplaatsingskosten” (deed in Dutch)1 more provision on this in the deed
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “100, inbrengen” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Last Friday of June at 20:00
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Vormen vereist voor statutenwijziging, algemene vergadering” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Om welke reden en op welk ogenblik ook, indien geen andere vereffenaar benoemd” (deed in Dutch)