YZOLAM
ActiveSummary
The computed 12-month bankruptcy probability of YZOLAM is 3.4% (moderate). The 2024 annual accounts show negative equity (€-99k) and a net result of €-111k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 9623 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
16
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-100
Solvency0▼-56
Growth32▼-46
Track record94
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.11 against 1.45 in 2023; short-term debt: 122.4% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · 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
-45.4%
Return on assets
-50.9%
Age of the figures
21 mo
raises risk · 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 →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
21222324
2021 to 2024 · latest year €-99k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-06-2025, 51 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
51 d early
2023
27 d early
2022
25 d early
2021
26 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€-99k
2023 · €12k
2021: €469
2022: €-541
2023: €12k
2021 → 2024
Total assets
€218k▲ 467%
2023 · €38k
2021: €36k
2022: €113k
2023: €38k
2021 → 2024
Net result
€-111k
2023 · €12k
2021: €-15k
2022: €-1k
2023: €12k
2021 → 2024
Working capital
€-236k
2023 · €12k
2021: €469
2022: €-541
2023: €12k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€469-€-541€12k€-99k
Operating result€-14k-€-762▲ 94.7%€13k€-109k
Net result€-15k-€-1k▲ 93.1%€12k€-111k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €109k after €13k in 2023, the lowest result in the available series.
Balance-sheet composition
Assets €218k
Fixed assets
€188k
Current assets
€30k
Key figures and ratios
EBITDA
€-97k
Cash flow
€-98k
Solvency
-45.4%▼
2023 · 31.0%
Current ratio
0.11▼
2023 · 1.45
Debt to equity
-3.20▼
2023 · 2.23
ROA
-50.9%▼
2023 · 32.4%
Interest coverage
-73.76
Debt
€316k▲
2023 · €26k
Debt ≤ 1 year
€266k▲
2023 · €26k
Income taxes
€182▼
2023 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 37 lines
Balance sheet
Code20232024
Assets
Total assets20/58€38k€218k▲
Fixed assets21/28-€188k
Intangible fixed assets21-€188k
Current assets29/58€38k€30k▼
Amounts receivable within one year40/41€38k€13k▼
Trade receivables40€28k€10k▼
Other amounts receivable41€11k€3k▼
Deferred charges and accrued income490/1-€17k
Equity and liabilities
Total equity and liabilities10/49€38k€218k▲
Equity10/15€12k€-99k▼
Contributions10/11€15k€15k=
Profit (loss) carried forward14€-3k€-114k▼
Amounts payable17/49€26k€316k▲
Amounts payable within one year42/48€26k€266k▲
Trade debts44€5k€16k▲
Suppliers440/4€5k€16k▲
Taxes, remuneration and social security45€21k-
Taxes450/3€1k-
Remuneration and social security454/9€20k-
Other amounts payable47/48-€250k
Accrued charges and deferred income492/3-€50k
Income statement
Code20232024
Remuneration, social security and pensions62€148k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€12k
Other operating charges640/8€132€2k▲
Gross operating margin9900€161k€-95k▼
Operating profit (loss)9901€13k€-109k▼
Financial income75/76B€981-
Recurring financial income75€981-
Financial charges65/66B€247€1k▲
Recurring financial charges65€247€1k▲
Profit (loss) for the period before taxes9903€14k€-110k▼
Income taxes67/77€2k€182▼
Profit (loss) for the period9904€12k€-111k▼
Profit (loss) for the period to be appropriated9905€12k€-111k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-114k▼
Profit (loss) brought forward from the previous period14P€-16k€-3k▲
Social balance
Average headcount (FTE)90871.71.0▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
22-09
State Gazette act
Resignation: Stefaan Vandamme (director)Appointment: Michael Hamelryck (non-statutory director) · Director discharge · Declaration7 facts ▸
State Gazette act
Resignation: Stefaan Vandamme (director)
Appointment: Michael Hamelryck (non-statutory director) · Director discharge · Declaration7 facts ▸
- General meeting, 14-09-2026
- Other statement, overgangsbepalingen, 20-09-2027
- Director resignation, Stefaan Vandamme (director)
- Director discharge, Stefaan Vandamme (director)
- Director appointment, Michael Hamelryck (non-statutory director)
- Declaration, België en buitenland, bestuursverbod
- Other statement, woonstkeuze, zetel van de Vennootschap
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-111k ▼991%
Net result drops to €-111k, the lowest in the series.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Michael Hamelryck
CurrentNon-statutory director · since 01-08-2026
01-08-2026
Michael Hamelryck: Appointed as Non-statutory director
01-08-2026
Stefaan Vandamme: Resigned as Director
Location & real-estate footprint
Registered office, Halle · 1 establishment unit since 2021
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.
Edingensesteenweg 1961500 HalleGround area
4.4 ha
Building footprint
1.8 ha
Volume, LiDAR
212,160 m³
2 parcels, Flanders · tallest building 27.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
YZOLAM
since 20212.321.948.782
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23027F0207/00V000 | Flanders | 3.1 ha | 1 · 9,052 m² | 27.2 m · 6 fl. |
| 44503H0052/00C000 | Flanders | 1.4 ha | 1 · 9,001 m² | 11.4 m · 3 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.
Articles of association
Financial year
From 1 April to 31 March
Annual meeting
Third Monday of September at 11:00
Other provisions of the articles (1)
- Power of attorney
Structure & network
Connections & network
32 connected companiesLinked via shared directors
via Michael Hamelryck · Director
→
via Michael Hamelryck · Non-statutory director
→
via Michael Hamelryck · Director
→
via Michael Hamelryck · Director
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Show 28 more companies with a shared director
via Michael Hamelryck · Director
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via Michael Hamelryck · Director
→
via Michael Hamelryck · Director
→
via Michael Hamelryck · Non-statutory director
→
via Michael Hamelryck · Non-statutory director
→
via Michael Hamelryck · Director
→
via Michael Hamelryck · Non-statutory director
→
via Michael Hamelryck · Non-statutory director
→
via Michael Hamelryck · Director
→
via Michael Hamelryck · Director
→
via Michael Hamelryck · Director
→
via Michael Hamelryck · Director
→
via Michael Hamelryck · Non-statutory director
→
via Michael Hamelryck · Director
→
via Michael Hamelryck · Director
→
via Michael Hamelryck · Director
→
via Michael Hamelryck · Director
→
via Michael Hamelryck · Director
→
via Michael Hamelryck · Director
→
via Michael Hamelryck · Director
→
via Michael Hamelryck · Director
→
via Michael Hamelryck · Director
→
via Michael Hamelryck · Non-statutory director
→
via Michael Hamelryck · Director
→
via Michael Hamelryck · Non-statutory director
→
via Michael Hamelryck · Non-statutory director
→
via Michael Hamelryck · Director
→
via Michael Hamelryck · Director
→
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Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 3,652 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.