YOUSAF&CO

Active

Private limited companyfounded 201510 yrs activeRue des Déportés 4, 4800 Verviers, BelgiumKBO/BCE: BE 0643.811.764

The computed 12-month bankruptcy probability of YOUSAF&CO is 2.4% (moderate). The 2024 annual accounts show negative equity (€-41k) and a net result of €-13k. Equity is shrinking by ~32% per year across the filed fiscal years. Its solvency ranks better than 5% of 26043 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

23 / 100

Critical

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2022

Profitability0=

Solvency0=

Growth32=

Track record100

Bankruptcy probability, 12 months

2.4% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.21 against 0.64 in 2022; short-term debt: 469.1% and cash: 16% of total assets), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

+raises risk○neutral

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 2024

Solvency, return and age of the figures

Solvency

-369.1%

Return on assets

-121.2%

Age of the figures

21 mo

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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Negative equity

The 2024 annual accounts show negative equity and a net loss.

NBB · annual accounts 2024

Equity per financial year

181920212224

2018 to 2024 · latest year €-41k

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-10-2025, 70 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 · 8 filings

Deviation from the deadline

2025

not confirmed

2024

70 d late

2022

15 d early

2021

76 d late

2020

72 d late

2019

104 d late

2018

42 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Turnover

€0

Total assets

€11k▼ 80.6%

2022 · €57k

2018: €11k 2019: €4k 2020: €4k 2021: €21k 2022: €57k

2018 → 2024

Net result

€-13k▼ 9.2%

2022 · €-12k

2018: €-7k 2019: €-10k 2020: €5k 2021: €-8k 2022: €-12k

2018 → 2024

Working capital

€-41k▼ 26.7%

2022 · €-32k

2018: €-7k 2019: €-16k 2020: €-12k 2021: €-20k 2022: €-32k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20192020202120222024Trend

Turnover€0

Equity€-16k-€-12k▲ 28.1%€-20k▼ 70.4%€-32k▼ 61.5%€-41k▼ 26.7%

Operating result€-9k-€5k€-7k€-11k▼ 59.3%€-11k=

Net result€-10k-€5k€-8k€-12k▼ 48.9%€-13k▼ 9.2%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result is €-11k in 2024, compared with €-11k in 2022. Comparable figures for the intervening years are unavailable.

Key figures and ratios

2024 value · change against 2022

Solvency

-369.1%▼

2022 · -56.5%

Current ratio

0.21▼

2022 · 0.64

Quick ratio

0.04▼

2022 · 0.56

Debt / equity

-1.27▲

2022 · -2.77

ROA

-121.2%▼

2022 · -21.5%

Debt

€52k▼

2022 · €90k

Debt ≤ 1 year

€52k▼

2022 · €90k

Staff costs

€107▼

2022 · €26k

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 2022

Balance sheet Code20222024

Assets

Total assets20/58€57k€11k▼

Fixed assets21/28€0-

Tangible fixed assets22/27€0-

Furniture and vehicles24€0-

Current assets29/58€57k€11k▼

Stocks and contracts in progress3€7k€9k▲

Stocks30/36€7k€9k▲

Amounts receivable within one year40/41€50k€387▼

Trade receivables40€50k€387▼

Other amounts receivable41€367-

Cash at bank and in hand54/58€96€2k▲

Equity and liabilities

Total equity and liabilities10/49€57k€11k▼

Equity10/15€-32k€-41k▼

Contributions10/11€6k€6k=

Profit (loss) carried forward14€-39k€-47k▼

Amounts payable17/49€90k€52k▼

Amounts payable within one year42/48€90k€52k▼

Financial debts43€27-

Credit institutions430/8€27-

Trade debts44€14k-

Suppliers440/4€14k-

Advances received on contracts in progress46€50k-

Taxes, remuneration and social security45€26k€7k▼

Taxes450/3€3k€7k▲

Remuneration and social security454/9€23k-

Other amounts payable47/48€0€45k▲

Income statement Code20222024

Remuneration, social security and pensions62€26k€107▼

Other operating charges640/8€3k€12k▲

Gross operating margin9900€18k€1k▼

Operating profit (loss)9901€-11k€-11k=

Financial income75/76B€37-

Recurring financial income75€37-

Financial charges65/66B€1k€3k▲

Recurring financial charges65€1k€3k▲

Profit (loss) for the period before taxes9903€-12k€-13k▼

Profit (loss) for the period9904€-12k€-13k▼

Profit (loss) for the period to be appropriated9905€-12k€-13k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-39k€-47k▼

Profit (loss) brought forward from the previous period14P€-26k€-34k▼

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 10Financial 2Filings 8

2025

09-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 70 days late

2024

31-12

Financial Weakest financial yearnet €-13k

Net result drops to €-13k, the lowest in the series.

2023

16-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

15-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 76 days late

2021

11-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 72 days late

2020

31-12

Financial Back to profitnet €5k

Net result €5k after 2 loss-making years.

12-11

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 104 days late

2019

11-09

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 42 days late

2018

05-09

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 36 days late

2017

28-09

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 59 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

6 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, Verviers · 1 establishment unit since 2016

establishment The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Rue des Déportés 44800 Verviers

Ground area

355 m²

Building footprint

157 m²

Volume, LiDAR

2,260 m³

2 parcels, Wallonia · tallest building 17.7 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

YOUSAF & CO

Rue de Stembert 147, 4800 VerviersLogging

since 20162.249.491.861

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
63079D0398/00B005	Wallonia	237 m²	1 · 105 m²	17.7 m · 5 fl.
63572C0050/00V005	Wallonia	118 m²	1 · 52 m²	14.4 m · 4 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Verviers2.249.491.861

1 permission

Toelating · Detailhandel · since 20-08-2024

Similar companies · same sector, comparable size

VERHELST GODELIEVE

BE 0457.456.156

Hamme (Vl.) · Eq €525

Of 2,477 companies in sector 47279 we hold annual accounts for 950. 74 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-12-2015

Fiscal year end31-12

Activities, NACEBEL

47279Other retail sale of food

47299Retail trade

47251Retail sale of wines and spirits

47252Retail sale of beverages, general range

47260Retail trade

47716Retail sale of clothing and accessories for women, men, children and babies (general range)

47789Other retail sale of new goods

47820Market retail: textiles, clothing, footwear

47890Retail trade

53200Other postal and courier activities

61200Telecommunications resale and intermediation services

61900Telecommunications

Sources

Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.