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YOZ CONSTRUCT

Active
Private limited companyfounded 2024active for 2 yearsKruisstraat 4, 1050 Elsene, Belgium19 active companies are registered at this addressKBO/BCE: BE 1009.068.927
Summary

YOZ CONSTRUCT has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10,183 and a net result of €8,683. Its solvency ranks better than 11% of 2,749 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 1.1% (low).

Financials · financial year 2025, abbreviated format

2025 annual accounts filed late (2 days) Filed on 2 February 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00036450.

Equity
€10,183
Total assets
€834,051
Net result
€8,683
Working capital
-€1,704

Turnover and EBIT margin not published: the abbreviated format does not require them.

Balance-sheet composition
Assets €834,051
Fixed assets €11,888
Current assets €822,164
Equity and liabilities €834,051
Equity €10,183
Debt €823,868
Debt finances 98.8% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€25,766
Cash flow
€8,942
Current ratio
1.00
Quick ratio
0.35
Debt to equity
80.90
ROE
85.3%
ROA
1.0%
Interest coverage
1.84
Debt ≤ 1 year
€823,868
Income taxes
€2,896

Peer companies

Historical observation

Of the 1,514 companies that looked in July 2024 the way this one looks now, 2.4% went bankrupt within 24 months and 95.8% are still going.

  • Small
  • 2 to 5 years old
  • solvency under 10%
  • a profit under 5% of the balance sheet
2.4% went bankrupt
1.5% stopped otherwise
95.8% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.1% 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 497,473 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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 1,514 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.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 38 lines
Balance sheet Code2025
Assets
Total assets20/58€834,051
Fixed assets21/28€11,888
Tangible fixed assets22/27€3,840
Furniture and vehicles24€3,840
Financial fixed assets28€8,047
Current assets29/58€822,164
Stocks and contracts in progress3€533,530
Stocks30/36€533,530
Amounts receivable within one year40/41€51,861
Trade receivables40€20,903
Other amounts receivable41€30,958
Cash at bank and in hand54/58€236,773
Equity and liabilities
Total equity and liabilities10/49€834,051
Equity10/15€10,183
Contributions10/11€1,500
Profit (loss) carried forward14€8,683
Amounts payable17/49€823,868
Amounts payable within one year42/48€823,868
Financial debts43€456,497
Credit institutions430/8€456,497
Trade debts44€141,032
Suppliers440/4€141,032
Taxes, remuneration and social security45€51,823
Taxes450/3€51,823
Other amounts payable47/48€174,516
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€258
Other operating charges640/8€399
Gross operating margin9900€26,165
Operating profit (loss)9901€25,508
Financial income75/76B€64
Recurring financial income75€64
Financial charges65/66B€13,993
Recurring financial charges65€13,993
Profit (loss) for the period before taxes9903€11,579
Income taxes67/77€2,896
Profit (loss) for the period9904€8,683
Profit (loss) for the period to be appropriated9905€8,683
Appropriation of the result
Profit (loss) to be appropriated9906€8,683

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€258
Other operating charges640/8€399
Gross operating margin9900€26,165
Operating profit (loss)9901€25,508
Financial income75/76B€64
Recurring financial income75€64
Financial charges65/66B€13,993
Recurring financial charges65€13,993
Profit (loss) for the period before taxes9903€11,579
Income taxes67/77€2,896
Profit (loss) for the period9904€8,683
Profit (loss) for the period to be appropriated9905€8,683
Line2025
Assets
Total assets20/58€834,051
Fixed assets21/28€11,888
Tangible fixed assets22/27€3,840
Furniture and vehicles24€3,840
Financial fixed assets28€8,047
Current assets29/58€822,164
Stocks and contracts in progress3€533,530
Stocks30/36€533,530
Amounts receivable within one year40/41€51,861
Trade receivables40€20,903
Other amounts receivable41€30,958
Cash at bank and in hand54/58€236,773
Equity and liabilities
Total equity and liabilities10/49€834,051
Equity10/15€10,183
Contributions10/11€1,500
Profit (loss) carried forward14€8,683
Amounts payable17/49€823,868
Amounts payable within one year42/48€823,868
Financial debts43€456,497
Credit institutions430/8€456,497
Trade debts44€141,032
Suppliers440/4€141,032
Taxes, remuneration and social security45€51,823
Taxes450/3€51,823
Other amounts payable47/48€174,516
Line2025
Profit (loss) for the period9904€8,683
+ Depreciation and write-downs630€258
Operating cash flow (approximation)€8,942

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Filings with the National Bank (1)
Financial year Type Filed Reference
30-06-2025 abbreviated format 02-02-2026 2026-00036450

Similar companies · same sector, comparable size

Of the 29,204 active companies whose main activity is general construction of residential buildings (NACE 41001), figures are known for 16,160. 9,486 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.