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Complete company report
Generated 08-08-2026
Active BE 0832.480.724Private limited company

YU-MY

Gorsem-Dorp 129 ·3803 Sint-Truiden, Belgium· 15 yrs active
Sector: Financial services (64210)
Conclusion Checked

YU-MY is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €2.37M and a net result of €575k. Equity is growing by ~29.5% per year across the filed fiscal years. Its solvency ranks better than 90% of 1407 sector peers (fiscal year 2024). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €2.37M
Net result €575k
Better than sector 90%
Active 15 yrs
Snowflake analysis 5 axes · computed by Checked
Health0Profitability100Solvency100Growth78Stability100
76 / 100

Exceptional profile, strong across almost every axis.

Health 0
Profitability 100
Solvency 100
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Established
Founded in 2011, 15 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Financial overview10 NBB filings
Annual accounts filed on 04-07-2025 with the NBB · fiscal year 2024 · verkort
€0€200k€400k€600kOperating result 2020: €85k€85kNet result 2020: €255k€255kOperating result 2021: €65k€65kNet result 2021: €297k€297kOperating result 2022: €44k€44kNet result 2022: €419k€419kOperating result 2023: €101k€101kNet result 2023: €592k€592kOperating result 2024: €44k€44kNet result 2024: €575k€575k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~29.5%/year over 7 fiscal years, indicative, assuming unchanged policy.
€0€2.00M€4.00M€6.00M2025: €3.31M (€3.12M - €3.50M)2026: €4.29M (€4.10M - €4.47M)2027: €5.55M (€5.36M - €5.74M)2018: €327k2019: €704k2020: €912k2021: €1.17M2022: €1.47M2023: €1.98M2024: €2.37M2018201920202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 92.0% 37.4%
better than 90% of 1407 sector peers
Net result €575k €46k
better than 89% of 1406 sector peers
Equity €2.37M €362k
better than 82% of 1407 sector peers
Gross operating margin €125k €65k
better than 67% of 1405 sector peers
Total assets €2.57M €1.41M
better than 65% of 1407 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€575k
-2.8% -95% vs sector
Total assets
€2.57M
+23.6% -98% vs sector
Equity
€2.37M
+19.4% -98% vs sector
Income taxes
€41k
-19.6% -76% vs sector
Dividends
€190k
+135.3% -98% vs sector
Debt
€206k
+105.9% -99% vs sector
Debt ≤ 1y
€206k
+105.9% -99% vs sector
Solvency
92.0%
-3.4% +43% vs sector
ROE
24.3%
-18.6% +54% vs sector
ROA
22.4%
-21.3% +161% vs sector
Figures by fiscal year
Fiscal year2024
Revenuen/a
EBITDAn/a
Net profit€575k
Cash flown/a
Staff costs-
Income taxes€41k
Dividends€190k
Total assets€2.57M
Equity€2.37M
Debt€206k
of which ≤ 1y€206k
of which > 1y-
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency92.0%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA22.4%
ROE24.3%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€2.57M
Fixed assets 21/28€1.36M
Tangible fixed assets 22/27€933k
Financial fixed assets 28€428k
Current assets 29/58€1.21M
Amounts receivable within one year 40/41€4k
Investments 50/53€850k
Cash & bank 54/58€327k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€2.57M
Equity 10/15€2.37M
Contributions / capital 10/11€20k
Reserves 13€2.35M
Amounts payable 17/49€206k
Amounts payable within one year 42/48€206k
Trade debts payable within one year 44€50
Income statement
Gross operating margin 9900€125k
Operating result 9901€44k
Financial income 75€573k
Financial charges 65€194
Result before taxes 9903€617k
Income taxes 67/77€41k
Net result for the period 9904€575k
Result to be appropriated 9905€575k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Financial services(64210)
Legal form Private limited company(610)
Incorporation05-01-2011
StatusActive
Postal code3803
Establishment units 1 location
YU-MY
Gorsem-Dorp 129, 3803 Sint-TruidenManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.
since 20112.195.203.337
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71018A0143/00P000 Flanders 1,107 m² 1 · 180 m² 8.9 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
04-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
02-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
21-11-2023
State Gazette act Director changes
Nicolas INDEKEU
30-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2022
30-06-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
2021
06-07-2021
NBB filing Annual accounts filed
fiscal year 2020 · verkort
2020
30-06-2020
NBB filing Annual accounts filed
fiscal year 2019 · verkort
2019
04-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · verkort
2018
03-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
07-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
08-07-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2023
21-11-2023 VAN GOSSUM Jo appointed as director Director changes·Nicolas INDEKEU
  • VAN GOSSUM Jo, Bestuurder
Notary: Nicolas INDEKEU · Zoutleeuw
Technical details 
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      "evidence_quote": "",
      "decharge_status": "pending_next_agm",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
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    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "VAN GOSSUM Jo",
        "address": "3803 Sint-Truiden, Gorsem-Dorp 129",
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        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
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  "notary": {
    "name": "Nicolas INDEKEU",
    "firm_city": null,
    "firm_name": null,
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    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-11-21",
    "filing_date": "2023-11-17",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-11-14",
      "unanimous": true
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-11-14",
      "unanimous": true
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-11-14",
      "unanimous": true
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-11-14",
      "unanimous": true
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-11-14",
      "unanimous": true
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-11-14",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0832.480.724",
    "name_full": "YU-MY",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Nicolas INDEKEU",
    "org_rep_person_name": null,
    "person_role_at_subject": "Notaris"
  },
  "co_filed_documents": [
    "uitgifte van het proces-verbaal"
  ],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL YU-MY
Registered office
Gorsem-Dorp 129
3803 Sint-Truiden, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative