Y.C.L.
ActiveY.C.L. has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €244k and a net result of €64k. Equity is growing by ~24.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 4807 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 27.13 against 0.48 in 2023; short-term debt: 0.6% and cash: 14.9% of total assets), and 0.6% 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 2024Solvency, return and age of the figures
Solvency
99.4%
Return on assets
26.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
48 d early
2022
90 d early
2021
75 d early
2020
31 d early
2019
23 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€64k▼ 17.7%
2023 · €78k
2018: €19k
2019: €-72k
2020: €7k
2021: €7k
2022: €28k
2023: €78k
2018 → 2024
Working capital
€37k
2023 · €-33k
2018: €-152k
2019: €-185k
2020: €-139k
2021: €-93k
2022: €-115k
2023: €-33k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€66k-€73k▲ 11.3%€101k▲ 38.3%€179k▲ 77.5%€244k▲ 36.0%
Operating result€14k-€13k▼ 5.3%€31k▲ 137%€81k▲ 161%€81k▼ 0.3%
Net result€7k-€7k▲ 5.6%€28k▲ 276%€78k▲ 180%€64k▼ 17.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 0% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €245k
Fixed assets
€207k▼ 2.9%
Current assets
€39k▲ 27.6%
Equity and liabilities €245k
Equity
€244k▲ 36.0%
Debt
€1k▼ 97.8%
The debt ratio falls from 26.2% to 0.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€87k▼
2023 · €87k
Cash flow
€71k▼
2023 · €84k
Solvency
99.4%▲
2023 · 73.8%
Current ratio
27.13▲
2023 · 0.48
Quick ratio
27.13▲
2023 · 0.48
Debt / equity
0.01▼
2023 · 0.35
ROE
26.4%▼
2023 · 43.7%
ROA
26.3%▼
2023 · 32.2%
Interest coverage
94.23▲
2023 · 30.45
Debt
€1k▼
2023 · €64k
Debt ≤ 1 year
€1k▼
2023 · €64k
Income taxes
€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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€243k€245k▲
Fixed assets21/28€213k€207k▼
Tangible fixed assets22/27€213k€207k▼
Land and buildings22€213k€207k▼
Current assets29/58€30k€39k▲
Amounts receivable within one year40/41€10k€2k▼
Trade receivables40€8k€2k▼
Other amounts receivable41€2k-
Cash at bank and in hand54/58€20k€37k▲
Deferred charges and accrued income490/1-€197
Equity and liabilities
Total equity and liabilities10/49€243k€245k▲
Equity10/15€179k€244k▲
Contributions10/11€31k€31k=
Reserves13€64k€64k=
Non-distributable reserves130/1€64k-
Reserves not available under the articles1311€64k-
Distributable reserves133-€64k
Profit (loss) carried forward14€84k€149k▲
Amounts payable17/49€64k€1k▼
Amounts payable within one year42/48€64k€1k▼
Financial debts43€62k-
Other loans439€62k-
Trade debts44€1k€916▼
Suppliers440/4€1k€916▼
Taxes, remuneration and social security45€135€505▲
Taxes450/3€135€505▲
Income statement
Code20232024
Non-recurring operating income76A-€359
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8-€2k
Gross operating margin9900€87k€89k▲
Operating profit (loss)9901€81k€81k▼
Financial charges65/66B€3k€923▼
Recurring financial charges65€3k€923▼
Profit (loss) for the period before taxes9903€78k€80k▲
Income taxes67/77-€16k
Profit (loss) for the period9904€78k€64k▼
Profit (loss) for the period to be appropriated9905€78k€64k▼
Appropriation of the result
Profit (loss) to be appropriated9906€84k€149k▲
Profit (loss) brought forward from the previous period14P€6k€84k▲
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
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Liquidity times 57current ratio 27.13
Current ratio from 0.48 to 27.13; short-term debt falls from €64k to €1k.
31-12
Financial
Equity above €200kEq €244k ▲36%
5 profitable years in a row build equity to €244k.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €78k ▲180%
Operating result €81k, net result €78k, both a record.
31-12
Financial
Equity above €150kEq €179k ▲77.5%
4 profitable years in a row build equity to €179k.
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €100kEq €101k ▲38.3%
3 profitable years in a row build equity to €101k.
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €-72k ▼474%
Net result drops to €-72k, the lowest in the series; recovery starts the following year.
07-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 21 days late
2016
06-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 67 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, Brussel · 1 establishment unit since 2016
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.
Oorlogskruisenlaan 1201120 BrusselGround area
3,002 m²
Building footprint
1,835 m²
Volume, LiDAR
15,321 m³
Parcel 21819D0089/00R000, Brussels · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
YCL
since 20162.261.686.048
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21819D0089/00R000 | Brussels | 3,002 m² | 1 · 1,835 m² | 11.1 m · 3 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
Bouwpartner De Witte
BE 0765.607.835
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IMMO INVEST GEMBLOUX
BE 0888.233.651
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TRAITEUR JACQUES PELISSIER
BE 0435.289.973
Kortrijk · Eq €244k
GESBRA
BE 0425.792.386
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LANEGO CAPITAL
BE 0808.887.948
Antwerpen · Eq €244k
Of 9,133 companies in sector 68201 we hold annual accounts for 6,762. 4,898 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-1982
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
47620Retail trade
47621Retail sale of newspapers and periodicals
52470
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.