Build Your Own Future
ActiveBuild Your Own Future has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €59k. Equity is growing by ~47.8% per year across the filed fiscal years. Its solvency ranks better than 28% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency52▼-40
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 1.0 against 2.01 in 2024; short-term debt: 71.9% and cash: 62.6% of total assets), and 73.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
26.7%
Return on assets
24.6%
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 12-06-2026, 49 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
49 d early
2024
50 d early
2023
47 d early
2022
47 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€64k▼ 53.7%
2024 · €139k
2022: €18k
2023: €84k
2024: €139k
2022 → 2025
Total assets
€241k▲ 15.9%
2024 · €208k
2022: €35k
2023: €107k
2024: €208k
2022 → 2025
Net result
€59k▲ 7.4%
2024 · €55k
2022: €15k
2023: €75k
2024: €55k
2022 → 2025
Working capital
€-452
2024 · €66k
2022: €18k
2023: €84k
2024: €66k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€18k-€84k▲ 375%€139k▲ 65.9%€64k▼ 53.7%
Operating result€18k-€92k▲ 402%€73k▼ 20.9%€78k▲ 7.8%
Net result€15k-€75k▲ 405%€55k▼ 26.1%€59k▲ 7.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 8% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241k
Fixed assets
€68k▼ 10.7%
Current assets
€173k▲ 31.2%
Equity and liabilities €241k
Equity
€64k▼ 53.7%
Debt
€177k▲ 156%
The debt ratio rises from 33.2% to 73.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€98k▲
2024 · €88k
Cash flow
€79k▲
2024 · €70k
Solvency
26.7%▼
2024 · 66.8%
Current ratio
1.00▼
2024 · 2.01
Quick ratio
1.00▼
2024 · 2.01
Debt / equity
2.75▲
2024 · 0.50
ROE
92.2%▲
2024 · 39.7%
ROA
24.6%▼
2024 · 26.5%
Interest coverage
26.96▲
2024 · 24.84
Debt
€177k▲
2024 · €69k
Debt ≤ 1 year
€174k▲
2024 · €66k
Income taxes
€17k▲
2024 · €15k
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€208k€241k▲
Fixed assets21/28€76k€68k▼
Tangible fixed assets22/27€76k€68k▼
Furniture and vehicles24€69k€58k▼
Other tangible fixed assets26€7k€10k▲
Current assets29/58€132k€173k▲
Amounts receivable within one year40/41€18k€19k▲
Trade receivables40€17k€18k▲
Other amounts receivable41€488€670▲
Cash at bank and in hand54/58€113k€151k▲
Deferred charges and accrued income490/1€607€3k▲
Equity and liabilities
Total equity and liabilities10/49€208k€241k▲
Equity10/15€139k€64k▼
Contributions10/11€5k€5k=
Reserves13€134k-
Distributable reserves133€134k-
Profit (loss) carried forward14-€59k
Amounts payable17/49€69k€177k▲
Amounts payable within one year42/48€66k€174k▲
Financial debts43€444€3k▲
Credit institutions430/8€444€3k▲
Trade debts44€11k€3k▼
Suppliers440/4€11k€3k▼
Taxes, remuneration and social security45€8k€3k▼
Taxes450/3€8k€3k▼
Other amounts payable47/48€46k€164k▲
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€20k▲
Other operating charges640/8€489€384▼
Gross operating margin9900€88k€98k▲
Operating profit (loss)9901€73k€78k▲
Financial income75/76B€940€1k▲
Recurring financial income75€940€1k▲
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€70k€76k▲
Income taxes67/77€15k€17k▲
Profit (loss) for the period9904€55k€59k▲
Profit (loss) for the period to be appropriated9905€55k€59k▲
Appropriation of the result
Profit (loss) to be appropriated9906€55k€59k▲
Transfer from equity791/2-€134k
Transfer to equity691/2€55k-
To other reserves6921€55k-
Profit to be distributed694/7-€134k
Return on contributions (dividend)694-€134k
The notes to these accounts (5 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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €139k ▲65.9%
3 profitable years in a row build equity to €139k.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €75k ▲405%
Operating result €92k, net result €75k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.63
Current ratio from 1.99 to 4.63.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Stabroek · 1 establishment unit since 2022
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.
Kan. Van Tichelenlaan 372940 StabroekGround area
613 m²
Building footprint
112 m²
Volume, LiDAR
710 m³
Parcel 11044C0425/00R000, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Build Your Own Future
since 20222.336.308.841
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11044C0425/00R000 | Flanders | 613 m² | 1 · 112 m² | 10.3 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.
Similar companies · same sector, comparable size
HabCAP Consulting
BE 1009.794.744
Schilde · Eq €64k
CRL Consulting
BE 0700.716.716
Sint-Jans-Molenbeek · Eq €64k
ASSURED YELLO
BE 1001.094.438
Schaarbeek · Eq €64k
EVALUSION
BE 0775.398.895
Elsene · Eq €64k
Lucca Management
BE 1008.418.037
Edegem · Eq €64k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 39,301 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2022
Fiscal year end31-12
Abbreviation NL
BYOF
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62020IT consultancy
62200Computer consultancy and computer facilities management
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
66300Activities auxiliary to financial services and insurance activities
68110Buying and selling of own real estate
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.