Y&B PAINTING
ActiveThe computed 12-month bankruptcy probability of Y&B PAINTING is 2.5% (moderate). The 2025 annual accounts show equity of €33k and a net result of €3k. Its solvency ranks better than 63% of 27711 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
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
Profitability75▼-25
Solvency84▲+16
Growth42
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.77 against 1.74 in 2024; short-term debt: 35.9% and cash: 96.1% of total assets), and 40.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
59.2%
Return on assets
4.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-06-2026, 59 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
59 d early
2024
40 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k=
2024 · €33k
2024: €33k
2024 → 2025
Total assets
€55k▼ 27.5%
2024 · €76k
2024: €76k
2024 → 2025
Net result
€3k▼ 90.3%
2024 · €28k
2024: €28k
2024 → 2025
Working capital
€35k▲ 8.8%
2024 · €32k
2024: €32k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€33k-€33k=
Operating result€37k-€3k▼ 91.7%
Net result€28k-€3k▼ 90.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 92% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55k
Fixed assets
€342▼ 30.1%
Current assets
€55k▼ 27.5%
Equity and liabilities €55k
Equity
€33k=
Debt
€22k▼ 48.2%
The debt ratio falls from 57.0% to 40.8%. Debt is lower.
Key figures and ratios
EBITDA
€3k▼
2024 · €37k
Cash flow
€3k▼
2024 · €28k
Solvency
59.2%▲
2024 · 43.0%
Current ratio
2.77▲
2024 · 1.74
Quick ratio
2.77▲
2024 · 1.74
Debt / equity
0.69▼
2024 · 1.33
ROE
8.2%▼
2024 · 84.7%
ROA
4.8%▼
2024 · 36.4%
Interest coverage
7.65▼
2024 · 277.28
Debt
€22k▼
2024 · €43k
Debt ≤ 1 year
€20k▼
2024 · €43k
Staff costs
€9k▼
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€76k€55k▼
Fixed assets21/28€490€342▼
Tangible fixed assets22/27€490€342▼
Plant, machinery and equipment23€251€181▼
Furniture and vehicles24€239€161▼
Current assets29/58€75k€55k▼
Amounts receivable within one year40/41€4k€2k▼
Trade receivables40€385€309▼
Other amounts receivable41€4k€1k▼
Cash at bank and in hand54/58€71k€53k▼
Equity and liabilities
Total equity and liabilities10/49€76k€55k▼
Equity10/15€33k€33k=
Contributions10/11€5k€5k=
Profit (loss) carried forward14€28k€28k=
Amounts payable17/49€43k€22k▼
Amounts payable within one year42/48€43k€20k▼
Trade debts44€20k€160▼
Suppliers440/4€20k€160▼
Taxes, remuneration and social security45€9k-
Taxes450/3€9k-
Other amounts payable47/48€14k€20k▲
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Remuneration, social security and pensions62€16k€9k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€249€148▼
Other operating charges640/8€404€440▲
Gross operating margin9900€54k€12k▼
Operating profit (loss)9901€37k€3k▼
Financial income75/76B€36€26▼
Recurring financial income75€36€26▼
Financial charges65/66B€134€419▲
Recurring financial charges65€134€419▲
Profit (loss) for the period before taxes9903€37k€3k▼
Income taxes67/77€9k-
Profit (loss) for the period9904€28k€3k▼
Profit (loss) for the period to be appropriated9905€28k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€3k▼
Transfer from equity791/2-€25k
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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
NBB filing
Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit since 2023
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.
Herentalsebaan 632150 AntwerpenGround area
374 m²
Building footprint
266 m²
Volume, LiDAR
1,728 m³
2 parcels, Flanders · tallest building 12.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Y&B PAINTING
since 20232.346.807.310
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11012A0159/00R000 | Flanders | 194 m² | 1 · 98 m² | 12.5 m · 4 fl. |
| 11007A0047/00T011 | Flanders | 180 m² | 1 · 168 m² | 7.8 m · 1 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.
Similar companies · same sector, comparable size
LA TINTA
BE 0849.067.328
Antwerpen · Eq €33k
KM PROJECTS
BE 0724.815.177
Wachtebeke · Eq €33k
CREATIZ
BE 0819.612.188
Liège · Eq €33k
OHANA LS
BE 0803.887.993
Sint-Pieters-Woluwe · Eq €33k
DANNY PLATTI WONINGDECORATIE
BE 0472.756.323
Brakel · Eq €33k
Of 7,861 companies in sector 43341 we hold annual accounts for 2,664. 2,248 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2023
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
43211General electrical installation work
43240Other construction installation
43299Specialised construction activities
43332Laying of wooden floor and wall coverings
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.