Active BE 0742.533.911Private limited company

Y&M Management

Schaliënhoevedreef 20 ·2800 Mechelen, Belgium· 6 yrs active

Sector: Overige reiniging van gebouwen; industriële reiniging (81220)

Conclusion Checked

The computed 12-month bankruptcy probability of Y&M Management is 3.5% (moderate). The 2024 annual accounts show equity of €31k and a net result of €2k. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Key figures

Equity	€31k
Net result	€2k
Active	6 yrs
Board	1

Financial profile 4 of 5 axes measured · computed by Checked

74 / 100

Strong profile, led by solvency.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 86

Profitability 26

Solvency 100

Growth -

Stability 85

Bankruptcy probability (12 mo) Checked model v1 · free

3.5% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Multiple establishment units +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2020, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

86 / 100 Excellent

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview4 NBB filings

Annual accounts filed on 30-06-2025 with the NBB · fiscal year 2024 · micro

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€5k
Net profit	€2k
Cash flow	€3k
Staff costs	-
Income taxes	€1k
Dividends	-
Total assets	€41k
Equity	€31k
Debt	€11k
of which ≤ 1y	€11k
of which > 1y	-
Working capital	€28k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	3.61
Quick ratio	3.61
Working capital ratio	68.2%
Solvency	73.9%
Debt / equity	0.35
Long-term debt ratio	-
Interest coverage	12.61
Gross margin	-
Net margin	-
ROA	3.8%
ROE	5.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €2k · 5.8% Current assets €39k · 94.2%

Equity & liabilities

Equity €31k · 73.9% Debt €11k · 26.1%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€41k
Fixed assets	21/28	€2k
Intangible fixed assets	21	€1k
Tangible fixed assets	22/27	€921
Financial fixed assets	28	€285
Current assets	29/58	€39k
Amounts receivable within one year	40/41	€24k
Cash & bank	54/58	€15k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€41k
Equity	10/15	€31k
Contributions / capital	10/11	€10k
Reserves	13	€21k
Amounts payable	17/49	€11k
Amounts payable within one year	42/48	€11k
Trade debts payable within one year	44	€6k
Income statement
Gross operating margin	9900	€7k
Operating result	9901	€3k
Financial charges	65	€360
Result before taxes	9903	€3k
Income taxes	67/77	€1k
Net result for the period	9904	€2k
Result to be appropriated	9905	€2k

Ratios computed by Checked.

Directors & mandates 3 directors

Current directors & mandates

Cea Andrew
Director
State Gazette act 23151846 (28-11-2023)

Current
25-09-2023 → present

Former directors (2)

Laaouar Mohamed
Director
State Gazette act 23151846 (28-11-2023)

Former
- → 25-09-2023
El Mossati, Yousri
Director
State Gazette act 23042482 (27-03-2023)

Former
- → 31-01-2023

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Overige reiniging van gebouwen; industriële reiniging(81220)
Legal form	Private limited company(610)
Incorporation	27-01-2020
Status	Active
Postal code	2800

Establishment units 3 locations

Pico Bello services

Schaliënhoevedreef 20, 2800 MechelenAlgemene bouw van residentiële gebouwen

since 20202.298.671.851

Primus Wash Sint-Truiden

Middenlaan 64, 3800 Sint-TruidenAlgemene reiniging van gebouwen

since 20252.382.178.359

Bubbleworks Landen

Stationsstraat 47, 3400 LandenAlgemene reiniging van gebouwen

since 20252.382.178.458

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
12402A0204/00R000	Flanders	3,774 m²	1 · 1,004 m²	24.9 m · 6 fl.
24059B1260/00G002	Flanders	174 m²	1 · 137 m²	10.8 m · 3 fl.
71053G0205/00N049	Flanders	142 m²	1 · 142 m²	9.3 m · 1 fl.

Methodology

via registered seat: 1 · via establishment units: 2

3 of 3 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 6 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

30-06-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

16-04-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

09-04-2024

NBB filing Annual accounts filed

fiscal year 2022 · verkort

2023

28-11-2023

State Gazette act Director changes

27-03-2023

State Gazette act Director changes

2022

21-12-2022

NBB filing Annual accounts filed

fiscal year 2021 · verkort

Belgian State Gazette reading coverage 0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 2 years ago

2023

28-11-2023 1 director appointed, 1 resigning Director changes

Cea Andrew, Bestuurder
Laaouar Mohamed, Bestuurder

Original publication ↗

Technical details

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  "notary": {
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  "act_meta": {
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  "decisions": [
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    "org_rep_person_name": null,
    "person_role_at_subject": "Lasthebber"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}

27-03-2023 El Mossati, Yousri resigns as director Director changes

El Mossati, Yousri, Bestuurder

Original publication ↗

Technical details

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      "role": "bestuurder",
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      },
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      "compensated": null,
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      "evidence_quote": "De bijzondere algemene vergadering van 31 januari 2023 beslist de heer El Mossati, Yousri te ontslaan als bestuurder met ingang van 31 januari 2023. Er wordt kwijting verleend voor zijn mandaat.",
      "decharge_status": "granted",
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      "rep_rotation_new_rep": null,
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      "rep_rotation_new_rep": null,
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    "firm_city": null,
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  },
  "act_meta": {
    "language": "mixed",
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    "filing_date": "2023-01-31",
    "act_kind_objet": "Onderwerp akte:"
  },
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    "person_role_at_subject": "Lasthebber"
  },
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}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Overige reiniging van gebouwen; industriële reiniging81220Activiteiten van wasserettes en wassalons ten behoeve van particulieren96102Andere reinigingsactiviteiten81230

Primary activity highlighted.

Names & trade names

Legal nameNL

Y&M Management

Registered office

Schaliënhoevedreef 20 bus T

2800 Mechelen, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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