B.Y.Z. MANAGEMENT
ActiveSummary
B.Y.Z. MANAGEMENT has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €-2. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 95% of 3291 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability23▲+7
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
short-term debt: 0.7% and cash: 0.1% of total assets, and 0.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 2025Solvency, return and age of the figures
Solvency
99.3%
Return on assets
0%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
4 d late
2023
30 d late
2022
52 d late
2021
9 d early
2020
2 d early
2019
2 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€32k=
2024 · €32k
2018: €36k
2019: €34k
2020: €34k
2021: €33k
2022: €33k
2023: €32k
2024: €32k
2018 → 2025
Total assets
€32k▲ 0.5%
2024 · €32k
2018: €36k
2019: €34k
2020: €34k
2021: €34k
2022: €33k
2023: €32k
2024: €32k
2018 → 2025
Net result
€-2▲ 99.7%
2024 · €-764
2018: €-2k
2019: €-2k
2020: €239
2021: €-475
2022: €-355
2023: €-665
2024: €-764
2018 → 2025
Working capital
€32k▲ 0.6%
2024 · €31k
2020: €34k
2021: €33k
2024: €31k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€33k▼ 1.1%€32k▼ 2.0%€32k▼ 2.4%€32k=
Operating result€-307-€-243▲ 20.9%€-706▼ 191%€-972▼ 37.6%€-129▲ 86.7%
Net result€-475-€-355▲ 25.2%€-665▼ 87.1%€-764▼ 15.0%€-2▲ 99.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €129 in 2025 against €972 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €32k
Equity
€32k =
Debt
€229 ▲ 245%
Debt's share of the balance-sheet total rises from 0.2% to 0.7%. Debt is higher.
Key figures and ratios
EBITDA
€70▲
2024 · €-772
Cash flow
€198▲
2024 · €-564
Debt to equity
0.01▲
2024 · 0.00
ROE
0.0%▲
2024 · -2.4%
ROA
0.0%▲
2024 · -2.4%
Interest coverage
0.54▲
2024 · -8.17
Debt ≤ 1 year
€229▲
2024 · €66
A ratio outside any meaningful range has been withheld (balance sheet total €32k, equity €32k).
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 · 2025 against 2024 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€32k€32k▲
Fixed assets21/28€200-
Tangible fixed assets22/27€200-
Plant, machinery and equipment23€200-
Current assets29/58€32k€32k▲
Amounts receivable within one year40/41€2k€2k▲
Trade receivables40€1k€1k▲
Other amounts receivable41€132€77▼
Current investments50/53€30k€30k▲
Cash at bank and in hand54/58€4€44▲
Equity and liabilities
Total equity and liabilities10/49€32k€32k▲
Equity10/15€32k€32k=
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€24k€24k=
Amounts payable17/49€66€229▲
Amounts payable within one year42/48€66€229▲
Trade debts44-€46
Suppliers440/4-€46
Other amounts payable47/48€66€183▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€200€200=
Other operating charges640/8€449€462▲
Gross operating margin9900€-323€532▲
Operating profit (loss)9901€-972€-129▲
Financial income75/76B€302€258▼
Recurring financial income75€302€258▼
Financial charges65/66B€95€131▲
Recurring financial charges65€95€131▲
Profit (loss) for the period before taxes9903€-764€-2▲
Profit (loss) for the period9904€-764€-2▲
Profit (loss) for the period to be appropriated9905€-764€-2▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€24k=
Profit (loss) brought forward from the previous period14P€24k€24k▼
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
30-03
State Gazette act
Resignations: BEX Yvo, BEX Erwin and BEX ChrisReappointments: BEX Yvo, BEX Erwin and BEX Chris · Statutes amendment · Reserve release17 facts ▸
State Gazette act
Resignations: BEX Yvo, BEX Erwin and BEX Chris
Reappointments: BEX Yvo, BEX Erwin and BEX Chris · Statutes amendment · Reserve release17 facts ▸
- General meeting, 12 maart 2026
- Statutes amendment
- Statutes amendment
- Reserve release, statutair onbeschikbare eigen vermogensrekening op te heffen en deze middelen beschikbaar te maken voor uitkering
- Statutes amendment
- Director resignation, BEX Yvo (manager)
- Director resignation, BEX Erwin (manager)
- Director resignation, BEX Chris (manager)
- Director reappointment, BEX Yvo (non-statutory director)
- Director reappointment, BEX Erwin (non-statutory director)
- Director reappointment, BEX Chris (non-statutory director)
- Mandate compensation, BEX Yvo
- +5 further facts in this act
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 52 days late
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €239
Net result €239 after 2 loss-making years.
02-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 2 days late
2019
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 13 days late
2018
17-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 48 days late
2017
24-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 55 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2026
This board is reconstructed from a single act (26319916). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Bex Chris
CurrentNon-statutory director · since 12-03-2026
Bex Yvo
CurrentNon-statutory director · since 12-03-2026
Erwin BEX
CurrentNon-statutory director · since 12-03-2026
12-03-2026
Bex Chris: Resigned as Manager
12-03-2026
Bex Chris: Mandate renewed as Non-statutory director
12-03-2026
Bex Yvo: Resigned as Manager
12-03-2026
Bex Yvo: Mandate renewed as Non-statutory director
12-03-2026
Erwin BEX: Mandate renewed as Non-statutory director
Location & real-estate footprint
Registered office, Sint-Truiden · 1 establishment unit since 1992
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.
Stokstraat 1163800 Sint-TruidenGround area
874 m²
Building footprint
204 m²
Volume, LiDAR
907 m³
Parcel 71064A1009/00D000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B.Y.Z.
since 19922.056.158.587
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71064A1009/00D000 | Flanders | 874 m² | 1 · 204 m² | 7.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Articles of association
Purpose
1/ Onderneming in onroerende goederen ... 2/ De participatie ... 3/ Onderneming voor het beheer van eigen beleggingen en vermogens. 4/ Studie-, organisatie- en raadgevend bureau…
Full purpose
1/ Onderneming in onroerende goederen ... 2/ De participatie ... 3/ Onderneming voor het beheer van eigen beleggingen en vermogens. 4/ Studie-, organisatie- en raadgevend bureau ... 5/ Het bedrijfsbeheer ... 6/ Consulting ... 7/ Consulting op gebied van personeelsbeheer ... 8/ De uitbating van een kantoor voor mechanografische werken. 9/ Dactylografisch en vertaalbureau. 10/ Tussenpersoon in de handel ... 11/ Makelaar in alle verzekeringen ... 12/ Bemiddelaar bij alle bankverrichtingen ... 13/ Het organiseren van privaatcursussen ... 14/ De groot- en kleinhandel ...
Structure & network
Connections & network
1 connected companyLinked via shared directors
via Erwin BEX · Day-to-day manager
→
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Of 2,267 companies in sector 69209 we hold annual accounts for 1,098. 693 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
Founded29-01-1992
Fiscal year end31-12
Abbreviation NL
B.Y.Z.
Activities, NACEBEL 2025
69209Other tax advisory services
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.