YVISA
ActiveSummary
The computed 12-month bankruptcy probability of YVISA is 3.0% (moderate). The 2024 annual accounts show equity of €39k and a net result of €-28k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 67% of 18936 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability23▼-47
Solvency74▲+14
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity ample (current ratio 1.8 against 1.22 in 2023; short-term debt: 42.7% and cash: 44.5% of total assets), but 51.1% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · 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 2024Solvency, return and age of the figures
Solvency
48.9%
Return on assets
-34.6%
Age of the figures
21 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-12-2025, 152 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 6 filingsDeviation from the deadline
2024
152 d late
2023
20 d late
2022
381 d late
2021
31 d late
2020
28 d late
2019
28 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€39k▼ 41.4%
2023 · €66k
Total assets
€80k▼ 58.1%
2023 · €190k
Net result
€-28k
2023 · €2k
Working capital
€27k▲ 19.9%
2023 · €23k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€-15k▲ 38.6%€-3k▲ 82.8%€96k€11k▼ 88.5%€-10k
Net result€-19k▲ 31.3%€-4k▲ 76.5%€95k€2k▼ 97.4%€-28k
Equity€-27k▼ 220%€-31k▼ 16.2%€64k€66k▲ 3.8%€39k▼ 41.4%
Total assets€228k▼ 15.1%€204k▼ 10.4%€182k▼ 10.6%€190k▲ 4.1%€80k▼ 58.1%
Debt€255k▼ 7.9%€235k▼ 7.6%€118k▼ 49.7%€123k▲ 4.3%€41k▼ 67.0%
Working capital€-159k▲ 3.6%€-128k▲ 19.7%€-3k▲ 97.7%€23k€27k▲ 19.9%
Staff (FTE)6.7▲ 15.5%5.3▼ 20.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €10k after €11k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €80k
Fixed assets
€19k ▼ 71.6%
Current assets
€61k ▼ 50.9%
Equity and liabilities €80k
Equity
€39k ▼ 41.4%
Debt
€41k ▼ 67.0%
Debt's share of the balance-sheet total falls from 65.0% to 51.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€44k▼
2023 · €56k
Cash flow
€27k▼
2023 · €48k
Current ratio
1.80▲
2023 · 1.22
Quick ratio
1.51▲
2023 · 0.58
Debt to equity
1.05▼
2023 · 1.86
ROE
-70.8%▼
2023 · 3.7%
ROA
-34.6%▼
2023 · 1.3%
Interest coverage
2.72▼
2023 · 6.58
Debt ≤ 1 year
€34k▼
2023 · €102k
Income taxes
€1k
Staff costs
€380k▲
2023 · €266k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €192k | €266k | €380k | ▲ 42.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €49k | €49k | €49k | €45k | €54k | ▲ 19.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €1k | - |
| Other operating charges640/8 | - | - | €673 | €2k | €2k | ▲ 5.5% |
| Non-recurring operating charges66A | - | - | - | - | €3k | - |
| Gross operating margin9900 | €222k | €97k | €338k | €324k | €430k | ▲ 32.7% |
| Operating profit (loss)9901 | €-15k | €-3k | €96k | €11k | €-10k | ▼ 193% |
| Financial income75/76B | - | - | €31 | €2 | €90 | ▲ 3,727% |
| Recurring financial income75 | €55 | €0 | €31 | €2 | €90 | ▲ 3,727% |
| Financial charges65/66B | - | - | €687 | €9k | €16k | ▲ 89.3% |
| Recurring financial charges65 | €4k | €2k | €687 | €9k | €16k | ▲ 89.3% |
| Profit (loss) for the period before taxes9903 | €-19k | €-4k | €95k | €2k | €-26k | ▼ 1,182% |
| Income taxes67/77 | - | - | - | - | €1k | - |
| Profit (loss) for the period9904 | €-19k | €-4k | €95k | €2k | €-28k | ▼ 1,230% |
| Profit (loss) for the period to be appropriated9905 | €-19k | €-4k | €95k | €2k | €-28k | ▼ 1,230% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €228k | €204k | €182k | €190k | €80k | ▼ 58.1% |
| Fixed assets21/28 | €193k | €146k | €102k | €66k | €19k | ▼ 71.6% |
| Intangible fixed assets21 | €38k | €29k | €19k | €10k | - | - |
| Tangible fixed assets22/27 | €155k | €118k | €82k | €56k | €18k | ▼ 66.9% |
| Furniture and vehicles24 | - | - | €19k | €18k | €12k | ▼ 35.6% |
| Other tangible fixed assets26 | - | - | €64k | €37k | €7k | ▼ 82.2% |
| Financial fixed assets28 | - | - | - | €100 | €200 | ▲ 100% |
| Current assets29/58 | €34k | €57k | €80k | €124k | €61k | ▼ 50.9% |
| Stocks and contracts in progress3 | €21k | €29k | €49k | €65k | €10k | ▼ 85.3% |
| Stocks30/36 | - | - | €49k | €65k | €10k | ▼ 85.3% |
| Amounts receivable within one year40/41 | €4k | €3k | €3k | €4k | €15k | ▲ 320% |
| Trade receivables40 | - | - | €2k | €844 | €8k | ▲ 821% |
| Other amounts receivable41 | - | - | €1k | €3k | €7k | ▲ 163% |
| Cash at bank and in hand54/58 | €10k | €24k | €27k | €53k | €35k | ▼ 32.8% |
| Deferred charges and accrued income490/1 | - | - | €951 | €3k | €1k | ▼ 62.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €228k | €204k | €182k | €190k | €80k | ▼ 58.1% |
| Equity10/15 | €-27k | €-31k | €64k | €66k | €39k | ▼ 41.4% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | - | - | €19k | - | - | - |
| Issued capital100 | - | - | €19k | - | - | - |
| Profit (loss) carried forward14 | €-46k | €-50k | €45k | €48k | €20k | ▼ 57.6% |
| Amounts payable17/49 | €255k | €235k | €118k | €123k | €41k | ▼ 67.0% |
| Amounts payable after more than one year17 | €59k | €44k | €35k | €22k | - | - |
| Financial debts170/4 | - | - | €35k | €22k | - | - |
| Amounts payable within one year42/48 | €193k | €185k | €83k | €102k | €34k | ▼ 66.6% |
| Current portion of amounts payable after more than one year42 | - | - | €9k | €13k | - | - |
| Trade debts44 | €19k | €19k | €17k | €31k | €12k | ▼ 60.8% |
| Suppliers440/4 | - | - | €17k | €31k | €12k | ▼ 60.8% |
| Taxes, remuneration and social security45 | - | - | €23k | €46k | €20k | ▼ 56.9% |
| Taxes450/3 | - | - | €7k | €5k | - | - |
| Remuneration and social security454/9 | - | - | €16k | €41k | €20k | ▼ 51.0% |
| Other amounts payable47/48 | - | - | €34k | €12k | €2k | ▼ 82.2% |
| Accrued charges and deferred income492/3 | - | - | €0 | - | €7k | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-19k | €-4k | €95k | €2k | €-28k | ▼ 1,230% |
| + Depreciation and write-downs630 | €49k | €49k | €49k | €45k | €54k | ▲ 19.8% |
| Operating cash flow (approximation) | €30k | €45k | €145k | €48k | €27k | ▼ 43.9% |
| Investment in fixed assets (approximation) | - | €-3k | €-5k | €-9k | €-7k | ▲ 18.7% |
| Change in cash | - | €15k | €3k | €26k | €-17k | ▼ 167% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 152 days late
2024
31-12
Financial
Weakest financial yearnet €-28k
Net result drops to €-28k, the lowest in the series.
20-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
16-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 381 days late
2022
30-06
Financial
Back to profitnet €95k
Net result €95k after 3 loss-making years.
03-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
28-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
28-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Waterloo · 1 establishment unit since 2018
Ground area
1,216 m²
Building footprint
237 m²
Volume, LiDAR
1,095 m³
2 parcels, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Le Commercio
since 20182.279.675.192
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110S0378/00Z004 | Wallonia | 907 m² | 1 · 189 m² | 8.7 m · 2 fl. |
| 25110A0362/00_000 | Wallonia | 309 m² | 1 · 48 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 20,501 companies in sector 56111 we hold annual accounts for 11,452. 9,696 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded26-07-2018
Fiscal year end31-12
Trade name FR
Le Commercio
Activities, NACEBEL 2025
56111Full-service restaurants
Scores and ratios are computed by Checked and are not a credit decision.