YVB · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of YVB is 0.5% (low). The 2025 annual accounts show equity of €521k and a net result of €46k. Equity is growing by ~37.6% per year across the filed fiscal years. Its solvency ranks better than 44% of 338 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-06-2026, 60 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	01-06-2026	60 d early	2026-00133609
31-12-2024	31-07-2025	15-07-2025	16 d early	2025-00273135
31-12-2023	31-07-2024	31-05-2024	61 d early	2024-00102950
31-12-2022	31-07-2023	13-06-2023	48 d early	2023-00126683
31-12-2021	31-07-2022	23-08-2022	23 d late	2022-20314362
31-12-2020	31-07-2021	25-06-2021	36 d early	2021-24600359
31-12-2019	31-07-2020	05-06-2020	56 d early	2020-15300511
31-12-2018	31-07-2019	03-07-2019	28 d early	2019-28800572
31-12-2017	31-07-2018	12-07-2018	19 d early	2018-32400203
31-12-2016	31-07-2017	31-07-2017	on the day	2017-38500321

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2015, 11 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.5% Low

0%0,5%1,5%4%10%≥25%

Annual accounts: healthy financial profile −Higher-failure-rate sector +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€46k-66.2%

Working capital€83k-38.5%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 01-06-2026 with the NBB · fiscal year 2025 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Net result: growth of ~21.3%/year over 8 fiscal years, indicative, assuming unchanged policy.

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 2025 · NACE 46, Wholesale trade · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	29.3%	36.5%	better than 44% of 338 sector peers
Net result	€46k	€44k	better than 51% of 338 sector peers
Equity	€521k	€279k	better than 61% of 338 sector peers
Gross operating margin	€419k	€244k	better than 65% of 337 sector peers
Staff costs	€206k	€174k	higher than 56% of 214 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P44

Stable position over 2020-2025 · n=338-972

Net result P51

Stable position over 2020-2025 · n=338-972

Equity P61

Improving position over 2020-2025 · n=338-972

Gross operating margin P65

Improving position over 2020-2025 · n=337-970

Describes the position versus peers, not a forecast.

EBITDA

€210k

-28.0% 18-25

Net profit

€46k

-66.2% 18-25

Cash flow

€144k

-31.4% 18-25

Total assets

€1.78M

+11.4% 18-25

Equity

€521k

+9.6% 18-25

Working capital

€83k

-38.5% 18-25

Employees (FTE)

4

+8.3% 18-25

Staff costs

€206k

-12.7% 18-25

Show 11 other metrics

Income taxes

€27k

-44.3% 18-25

Debt

€1.26M

+12.2% 18-25

Debt ≤ 1y

€356k

+14.7% 18-25

Debt > 1y

€893k

+11.9% 18-25

Current ratio

1.23

-14.1% 18-25

Quick ratio

0.88

+4.4% 18-25

Solvency

29.3%

-1.6% 18-25

Debt / equity

2.41

+2.4% 18-25

ROE

8.8%

-69.1% 18-25

ROA

2.6%

-69.6% 18-25

Interest coverage

4.88

-41.5% 18-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	verkort
Revenue	-
EBITDA	€210k
Net profit	€46k
Cash flow	€144k
Staff costs	€206k
Income taxes	€27k
Dividends	-
Total assets	€1.78M
Equity	€521k
Debt	€1.26M
of which ≤ 1y	€356k
of which > 1y	€893k
Working capital	€83k
Employees (FTE)	3.9

Ratios (computed)

	2025
Current ratio	1.23
Quick ratio	0.88
Working capital ratio	4.7%
Solvency	29.3%
Debt / equity	2.41
Long-term debt ratio	1.72
Interest coverage	4.88
Gross margin	-
Net margin	-
ROA	2.6%
ROE	8.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €1.34M · 75.3% Current assets €439k · 24.7%

Equity & liabilities

Equity €521k · 29.3% Debt €1.26M · 70.7%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.78M
Fixed assets	21/28	€1.34M
Tangible fixed assets	22/27	€1.34M
Current assets	29/58	€439k
Stocks & contracts in progress	3	€125k
Amounts receivable within one year	40/41	€271k
Cash & bank	54/58	€43k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.78M
Equity	10/15	€521k
Contributions / capital	10/11	€20k
Reserves	13	€2k
Accumulated profits (losses)	14	€499k
Amounts payable	17/49	€1.26M
Amounts payable after one year	17	€893k
Amounts payable within one year	42/48	€356k
Trade debts payable within one year	44	€164k
Income statement
Gross operating margin	9900	€419k
Operating result	9901	€111k
Financial income	75	€5k
Financial charges	65	€43k
Result before taxes	9903	€73k
Income taxes	67/77	€27k
Net result for the period	9904	€46k
Result to be appropriated	9905	€46k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

66 / 100 Healthy

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Galileilaan 922845 Niel

Establishment units

1 location

YVB

Galileilaan 92, 2845 NielHandelsbemiddeling in de groothandel in voedings- en genotmiddelen

since 20152.240.631.308

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area5,529 m²

Buildings1

Building footprint2,889 m²

Volume (LiDAR)8,789 m³

Tallest building19.9 m

Real-estate footprint

Source: CBE × cadastre · address linking

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.
11030C0058/00Z002	Flanders	5,529 m²	1 · 2,889 m²	19.9 m

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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.