Y&B
ActiveY&B is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The latest annual accounts of Y&B were filed more than 90 days after the deadline. The 2024 annual accounts show equity of €255k and a net result of €82k. Equity is growing by ~43.4% per year across the filed fiscal years. Its solvency ranks better than 83% of 9864 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Filing: Filed more than 90 days late
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-12-2025, 153 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
153 d late
2023
65 d late
2022
61 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€255k▲ 47.5%
2023 · €173k
2022: €105k
2023: €173k
2022 → 2024
Net result
€82k▲ 21.1%
2023 · €68k
2022: €101k
2023: €68k
2022 → 2024
Total assets
€295k▲ 43.8%
2023 · €205k
2022: €170k
2023: €205k
2022 → 2024
Solvency
86.3%▲ 2.2pp
2023 · 84.2%
2022: 61.7%
2023: 84.2%
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€105k-€173k▲ 64.6%€255k▲ 47.5%
Operating result€128k-€85k▼ 33.7%€104k▲ 22.8%
Net result€101k-€68k▼ 32.9%€82k▲ 21.1%
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 2024; 2024 is 23% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €295k
Fixed assets
€94k▲ 50.9%
Current assets
€201k▲ 40.7%
Equity and liabilities €295k
Equity
€255k▲ 47.5%
Debt
€40k▲ 24.1%
The debt ratio falls from 15.8% to 13.7%. Equity and debt are higher.
Key figures and ratios
Solvency
86.3%▲
2023 · 84.2%
ROE
32.2%▼
2023 · 39.2%
ROA
27.8%▼
2023 · 33.0%
Debt
€40k▲
2023 · €32k
Debt ≤ 1 year
€40k▲
2023 · €32k
Income taxes
€22k▲
2023 · €17k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€205k€295k▲
Fixed assets21/28€62k€94k▲
Tangible fixed assets22/27€62k€94k▲
Furniture and vehicles24-€94k
Leasing and similar rights25€62k-
Current assets29/58€143k€201k▲
Amounts receivable within one year40/41€17k€28▼
Trade receivables40€17k-
Other amounts receivable41€10€28▲
Cash at bank and in hand54/58€126k€162k▲
Deferred charges and accrued income490/1-€39k
Equity and liabilities
Total equity and liabilities10/49€205k€295k▲
Equity10/15€173k€255k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€169k€251k▲
Amounts payable17/49€32k€40k▲
Amounts payable within one year42/48€32k€40k▲
Trade debts44€448€1k▲
Suppliers440/4€448€1k▲
Taxes, remuneration and social security45€32k€39k▲
Taxes450/3€32k€39k▲
Other amounts payable47/48-€414
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€21k▲
Other operating charges640/8€493€900▲
Gross operating margin9900€87k€126k▲
Operating profit (loss)9901€85k€104k▲
Financial charges65/66B€94€122▲
Recurring financial charges65€94€122▲
Profit (loss) for the period before taxes9903€85k€104k▲
Income taxes67/77€17k€22k▲
Profit (loss) for the period9904€68k€82k▲
Profit (loss) for the period to be appropriated9905€68k€82k▲
Appropriation of the result
Profit (loss) to be appropriated9906€169k€251k▲
Profit (loss) brought forward from the previous period14P€101k€169k▲
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
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 153 days late
2024
31-12
Financial
Equity above €200kEq €255k ▲47.5%
3 profitable years in a row build equity to €255k.
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 65 days late
2023
31-12
Financial
Weakest financial yearnet €68k ▼32.9%
Net result drops to €68k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €173k ▲64.6%
2 profitable years in a row build equity to €173k.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
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, Hulshout · 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.
Corbeillestraat 802235 HulshoutGround area
6,458 m²
Building footprint
5,649 m²
Volume, LiDAR
2,828 m³
Parcel 13050B0068/00F003, Flanders · tallest building 9.4 m. Linked by address, not a title deed.
1 establishment unit
Y&B
since 20222.338.353.066
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13050B0068/00F003 | Flanders | 6,458 m² | 1 · 5,649 m² | 9.4 m |
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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,673 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2022
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.