Y B Technologies
ActiveThe computed 12-month bankruptcy probability of Y B Technologies is 2.3% (moderate). The 2025 annual accounts show equity of €33k and a net result of €5k. Equity is growing by ~28.8% per year across the filed fiscal years. Its solvency ranks better than 56% of 27450 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-17
Solvency78▲+5
Growth52=
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 1.53 in 2024; short-term debt: 47.1% of total assets), and 47.1% 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
52.9%
Return on assets
7.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
31 d late
2024
134 d late
2023
56 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▲ 17.3%
2024 · €28k
2023: €17k
2024: €28k
2023 → 2025
Total assets
€63k▲ 5.8%
2024 · €59k
2023: €72k
2024: €59k
2023 → 2025
Net result
€5k▼ 57.3%
2024 · €11k
2023: €17k
2024: €11k
2023 → 2025
Working capital
€24k▲ 43.5%
2024 · €17k
2023: €9k
2024: €17k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€17k-€28k▲ 67.8%€33k▲ 17.3%
Operating result€21k-€18k▼ 15.1%€9k▼ 51.4%
Net result€17k-€11k▼ 32.2%€5k▼ 57.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 51% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €63k
Fixed assets
€10k▼ 19.2%
Current assets
€53k▲ 12.0%
Equity and liabilities €63k
Equity
€33k▲ 17.3%
Debt
€30k▼ 4.7%
The debt ratio falls from 52.2% to 47.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €20k
Cash flow
€8k▼
2024 · €14k
Solvency
52.9%▲
2024 · 47.8%
Current ratio
1.80▲
2024 · 1.53
Quick ratio
1.80▲
2024 · 1.53
Debt / equity
0.89▼
2024 · 1.09
ROE
14.7%▼
2024 · 40.4%
ROA
7.8%▼
2024 · 19.3%
Interest coverage
5.75▼
2024 · 6.83
Debt
€30k▼
2024 · €31k
Debt ≤ 1 year
€30k▼
2024 · €31k
Income taxes
€2k▼
2024 · €4k
Staff costs
€25k▼
2024 · €41k
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€59k€63k▲
Fixed assets21/28€12k€10k▼
Tangible fixed assets22/27€12k€10k▼
Plant, machinery and equipment23€11k€10k▼
Furniture and vehicles24€462€0▼
Current assets29/58€48k€53k▲
Amounts receivable within one year40/41€46k€53k▲
Trade receivables40€45k€43k▼
Other amounts receivable41€2k€10k▲
Cash at bank and in hand54/58€0-
Deferred charges and accrued income490/1€1k€0▼
Equity and liabilities
Total equity and liabilities10/49€59k€63k▲
Equity10/15€28k€33k▲
Profit (loss) carried forward14€28k€33k▲
Amounts payable17/49€31k€30k▼
Amounts payable within one year42/48€31k€30k▼
Financial debts43€10k€10k▼
Credit institutions430/8€10k€10k▼
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€15k€13k▼
Taxes450/3€9k€8k▼
Remuneration and social security454/9€6k€6k▼
Other amounts payable47/48€2k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€41k€25k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€63k€39k▼
Operating profit (loss)9901€18k€9k▼
Financial income75/76B€0€20▲
Recurring financial income75€0€20▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€15k€7k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€11k€5k▼
Profit (loss) for the period to be appropriated9905€11k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€33k▲
Profit (loss) brought forward from the previous period14P€17k€28k▲
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €5k ▼57.3%
Net result drops to €5k, the lowest in the series.
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 134 days late
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zele · 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.
Durmen 2039240 ZeleGround area
508 m²
Building footprint
209 m²
Volume, LiDAR
1,456 m³
2 parcels, Flanders · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Y B Technologies
since 20222.333.408.244
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46444D0114/00N002 | Flanders | 353 m² | 1 · 135 m² | 9.9 m · 3 fl. |
| 42028A0727/00P000 | Flanders | 154 m² | 1 · 74 m² | 8.0 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 476 EUR awarded · 476 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 296 EUR | 296 EUR |
| 2022 | 1 | 180 EUR | 180 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 22,822 companies in sector 43211 we hold annual accounts for 10,324. 8,106 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-07-2022
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.