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Y & A

Active
Private limited companyfounded 2022active for 3 yearsKBO/BCE: BE 0794.143.651

From the official registers: KBO 1 annual account at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of Y & A is 4.0% (elevated). The 2025 annual accounts show equity of €43,048 and a net result of €40,455. Its solvency ranks better than 80% of 1,595 sector peers (NACE 55, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency signals. The KBO does carry 2 administrative register entries (see administrative flags).

Risk analysisFollow ReportCompare
Y & AActiveChecked score 50/100
Risk analysis ReportCompare

Overview

Official details

KBO
Status
Active since 28-11-2022 Normal situation
Legal form
Private limited company
Activity
Hotels and similar accommodation NACE 55100
Establishment unit
2.365.772.986 6041 Charleroi, since 01-06-2024
Financial year end
31 December
Peppol
Reachable since 05-12-2025
Company details

Who decides

Board
Board & ownership

How it is doing

50 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
4.0%
Annual accounts 2025
Gross margin
€84,768
Turnover
≈ €260,000
estimated
Profit
€40,455
Equity
€43,048
Total assets
€70,286
Staff
2 FTE
2025 accounts filed 35 days late
Filed on 04-09-2026at the National Bank
Financials
Why 50raises riskFounded in 2022Size: total assets €70,286Ex-officio strike-off in the KBOLast filed accounts filed 35 days late; 1 of the last 3 lateShow the evidence

Checked score

Score 2025
50 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 69% of its sector peers (NACE 55, micro)
Every signal that counts is listed under Signals.
Financial strength
Strong
Solvency 86
equity 61.2% of total assets
Liquidity 35
short-term debt 38.8% · cash 2.3%
Profitability 100
return on assets 57.6%
Bankruptcy probability, 12 months
4.0% Elevated
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (2,520 companies, NACE 55, micro)
Last 24 months 11-2024: 2.9%lowest value 12-2024: 2.9%● unchanged vs 11-2024 01-2025: 2.9%● unchanged vs 12-2024 02-2025: 2.9%● unchanged vs 01-2025 03-2025: 2.9%● unchanged vs 02-2025 04-2025: 2.9%● unchanged vs 03-2025 05-2025: 2.9%● unchanged vs 04-2025 06-2025: 6.6%▲ +3.7 percentage points vs 05-2025 07-2025: 6.6%● unchanged vs 06-2025 08-2025: 6.6%● unchanged vs 07-2025 09-2025: 6.6%● unchanged vs 08-2025 10-2025: 6.6%● unchanged vs 09-2025 11-2025: 6.6%● unchanged vs 10-2025 12-2025: 6.6%● unchanged vs 11-2025 01-2026: 6.6%● unchanged vs 12-2025 02-2026: 6.6%● unchanged vs 01-2026 03-2026: 6.6%● unchanged vs 02-2026 04-2026: 6.6%● unchanged vs 03-2026 05-2026: 6.6%● unchanged vs 04-2026 06-2026: 6.6%● unchanged vs 05-2026 07-2026: 6.6%● unchanged vs 06-2026 08-2026: 5.8%▼ -0.8 percentage points vs 07-2026 09-2026: 10.5%▲ +4.7 percentage points vs 08-2026highest value 10-2026: 4.0%▼ -6.5 percentage points vs 09-2026
Credit of up to €2,000 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity ample (current ratio 2.58, above the usual 1.5; short-term debt: 38.8% and cash: 2.3% of total assets), and 38.8% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 55, micro): better than 78% on solvency, 31% on liquidity and 97% on profitability.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
raises risk
raises risk · Founded in 2022
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Size: total assets €70,286
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Ex-officio strike-off in the KBO
KBO publications
raises risk · Last filed accounts filed 35 days late; 1 of the last 3 late
NBB · filings
raises risk · 2025 accounts filed 35 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-09-2026, 35 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filing
Deviation from the deadline
2025
35 days late
← before the deadline after the deadline →
raises risk · Administrative warnings in the KBO publications
2 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publications
Publications
Address struckAddress strikeout annulled

Key points

  • Positive: Among the best 15% on net resultsector median €2,249 · 1,597 companies €40,455 View

Documents

Annual accounts at the NBB

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about Y & A

What is the company number of Y & A?
0794.143.651. In Belgium the VAT number is the company number with BE in front: BE 0794.143.651.
What does Y & A do?
According to the KBO register, the main activity is hotels and similar accommodation (NACE 55100).
What is the legal form of Y & A?
Private limited company (BV).
When was Y & A founded?
On 28-11-2022.
Is Y & A still active?
Yes, Y & A is an active enterprise in the KBO register.Company details
How many employees does Y & A have?
On average 2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of Y & A?
≈ €260,000 in financial year 2025. Estimated from the gross margin of €84,768: probably between €170,000 and €440,000, based on 2,676 comparable companies of the same size. A rough estimate.
Is Y & A profitable?
In financial year 2025, Y & A made a profit of €40,455.
Where can I find the annual accounts of Y & A?
Y & A filed 1 annual account with the National Bank of Belgium, for financial year 2025.Annual accounts at the National Bank

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