N&Y Partners
ActiveThe computed 12-month bankruptcy probability of N&Y Partners is 2.3% (moderate). The 2025 annual accounts show equity of €22k and a net result of €12k. Its solvency ranks better than 27% of 13091 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability65
Solvency28
Growth-
Track record67
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.37; short-term debt: 39.7% and cash: 5.9% of total assets), and 97.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
2.9%
Return on assets
1.5%
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 28-08-2026, 28 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 · 1 filingDeviation from the deadline
2025
28 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€22k
Total assets
€758k
Net result
€12k
Working capital
€-189k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €758k
Fixed assets
€646k
Current assets
€112k
Equity and liabilities €758k
Equity
€22k
Debt
€737k
Debt finances 97.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€34k
Cash flow
€26k
Solvency
2.9%
Current ratio
0.37
Quick ratio
0.36
Debt / equity
33.92
ROE
54.0%
ROA
1.5%
Interest coverage
5.30
Debt
€737k
Debt ≤ 1 year
€301k
Debt > 1 year
€436k
Income taxes
€2k
Staff costs
€11k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€758k
Fixed assets21/28€646k
Tangible fixed assets22/27€646k
Land and buildings22€568k
Plant, machinery and equipment23€74k
Furniture and vehicles24€4k
Current assets29/58€112k
Stocks and contracts in progress3€4k
Stocks30/36€4k
Amounts receivable within one year40/41€53k
Trade receivables40€34k
Other amounts receivable41€19k
Current investments50/53€10k
Cash at bank and in hand54/58€45k
Deferred charges and accrued income490/1€1k
Equity and liabilities
Total equity and liabilities10/49€758k
Equity10/15€22k
Contributions10/11€10k
Reserves13€12k
Distributable reserves133€12k
Amounts payable17/49€737k
Amounts payable after more than one year17€436k
Financial debts170/4€436k
Amounts payable within one year42/48€301k
Current portion of amounts payable after more than one year42€24k
Trade debts44€76k
Suppliers440/4€76k
Taxes, remuneration and social security45€4k
Taxes450/3€2k
Remuneration and social security454/9€1k
Other amounts payable47/48€197k
Income statement
Code2025
Remuneration, social security and pensions62€11k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k
Other operating charges640/8€1k
Gross operating margin9900€47k
Operating profit (loss)9901€20k
Financial income75/76B€34
Recurring financial income75€34
Financial charges65/66B€6k
Recurring financial charges65€6k
Profit (loss) for the period before taxes9903€14k
Income taxes67/77€2k
Profit (loss) for the period9904€12k
Profit (loss) for the period to be appropriated9905€12k
Appropriation of the result
Profit (loss) to be appropriated9906€12k
Transfer to equity691/2€12k
To other reserves6921€12k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Gent · 1 establishment unit since 2024
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.
Frederik Burvenichstraat 1609050 GentGround area
90 m²
Building footprint
90 m²
Volume, LiDAR
738 m³
Parcel 44362B0320/00N008, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
N&Y Partners
since 20242.368.678.533
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44362B0320/00N008 | Flanders | 90 m² | 1 · 90 m² | 11.4 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.368.678.533
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Of 21,908 companies in sector 56112 we hold annual accounts for 9,783. 8,155 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-11-2024
Fiscal year end31-12
Trade name NL
Pommes Appétit
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56101Full-service restaurants
56111Full-service restaurants
56210Event catering
56309Food and beverage service activities
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.