Y-CONSULT
ActiveSummary
Y-CONSULT has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €125k and a net result of €14k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 30% of 7058 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability56▼-22
Solvency53▲+4
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.18 against 2.78 in 2024; short-term debt: 27.3% and cash: 0.1% of total assets), but 72.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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 2025Solvency, return and age of the figures
Solvency
27.8%
Return on assets
3.2%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €125k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
64 d early
2023
28 d late
2022
29 d late
2021
31 d late
2020
26 d late
2019
27 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€125k▲ 12.2%
2024 · €112k
2018: €127k
2019: €156k▲ +23.1% vs 2018highest in 8 years
2020: €154k▼ -1.3% vs 2019
2021: €105k▼ -31.6% vs 2020
2022: €90k▼ -14.3% vs 2021lowest in 8 years
2023: €113k▲ +25.4% vs 2022
2024: €112k▼ -1.2% vs 2023
2025: €125k▲ +12.2% vs 2024
2018 → 2025
Total assets
€450k▼ 4.3%
2024 · €471k
2018: €262k
2019: €281k▲ +7.3% vs 2018
2020: €265k▼ -5.5% vs 2019
2021: €181k▼ -32.0% vs 2020
2022: €171k▼ -5.0% vs 2021lowest in 8 years
2023: €189k▲ +10.0% vs 2022
2024: €471k▲ +150% vs 2023highest in 8 years
2025: €450k▼ -4.3% vs 2024
2018 → 2025
Net result
€14k▼ 58.6%
2024 · €35k
2018: €11k
2019: €29k▲ +162% vs 2018
2020: €-2k▼ -107% vs 2019
2021: €-28k▼ -1238% vs 2020lowest in 8 years
2022: €-15k▲ +45.3% vs 2021
2023: €23k▲ +252% vs 2022
2024: €35k▲ +52.3% vs 2023highest in 8 years
2025: €14k▼ -58.6% vs 2024
2018 → 2025
Working capital
€145k▼ 16.1%
2024 · €172k
2018: €13k
2019: €39k▲ +192% vs 2018
2020: €37k▼ -5.0% vs 2019
2021: €-11k▼ -130% vs 2020
2022: €-39k▼ -249% vs 2021lowest in 8 years
2023: €-23k▲ +40.5% vs 2022
2024: €172k▲ +837% vs 2023highest in 8 years
2025: €145k▼ -16.1% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€105k-€90k▼ 14.3%€113k▲ 25.4%€112k▼ 1.2%€125k▲ 12.2%
2021: €105k
2022: €90k▼ -14.3% vs 2021lowest in 5 years
2023: €113k▲ +25.4% vs 2022
2024: €112k▼ -1.2% vs 2023
2025: €125k▲ +12.2% vs 2024highest in 5 years
Operating result€-29k-€-13k▲ 55.3%€25k€48k▲ 90.4%€34k▼ 29.3%
2021: €-29klowest in 5 years
2022: €-13k▲ +55.3% vs 2021
2023: €25k▲ +293% vs 2022
2024: €48k▲ +90.4% vs 2023highest in 5 years
2025: €34k▼ -29.3% vs 2024
Net result€-28k-€-15k▲ 45.3%€23k€35k▲ 52.3%€14k▼ 58.6%
2021: €-28klowest in 5 years
2022: €-15k▲ +45.3% vs 2021
2023: €23k▲ +252% vs 2022
2024: €35k▲ +52.3% vs 2023highest in 5 years
2025: €14k▼ -58.6% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €450k
Fixed assets
€183k ▼ 9.1%
Current assets
€267k ▼ 0.7%
Equity and liabilities €450k
Equity
€125k ▲ 12.2%
Debt
€325k ▼ 9.5%
Debt's share of the balance-sheet total falls from 76.3% to 72.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€53k▼
2024 · €64k
Cash flow
€33k▼
2024 · €51k
Current ratio
2.18▼
2024 · 2.78
Debt to equity
2.59▼
2024 · 3.21
ROE
11.5%▼
2024 · 31.2%
ROA
3.2%▼
2024 · 7.4%
Interest coverage
4.03▼
2024 · 15.68
Debt ≤ 1 year
€123k▲
2024 · €97k
Debt > 1 year
€199k▼
2024 · €258k
Income taxes
€7k▼
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€471k€450k▼
Fixed assets21/28€201k€183k▼
Tangible fixed assets22/27€201k€183k▼
Land and buildings22€152k€146k▼
Furniture and vehicles24€49k€37k▼
Current assets29/58€269k€267k▼
Amounts receivable within one year40/41€264k€265k▲
Trade receivables40€39k€90k▲
Other amounts receivable41€225k€175k▼
Cash at bank and in hand54/58€4k€397▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€471k€450k▼
Equity10/15€112k€125k▲
Contributions10/11€19k€19k=
Reserves13€93k€107k▲
Distributable reserves133€93k€107k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€359k€325k▼
Amounts payable after more than one year17€258k€199k▼
Financial debts170/4€258k€199k▼
Amounts payable within one year42/48€97k€123k▲
Current portion of amounts payable after more than one year42€68k€60k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€19k€37k▲
Taxes450/3€19k€23k▲
Remuneration and social security454/9-€14k
Other amounts payable47/48€6k€24k▲
Accrued charges and deferred income492/3€4k€4k▼
Income statement
Code20242025
Non-recurring operating income76A€9k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€18k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€66k€54k▼
Operating profit (loss)9901€48k€34k▼
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€4k€13k▲
Recurring financial charges65€4k€13k▲
Profit (loss) for the period before taxes9903€44k€21k▼
Income taxes67/77€9k€7k▼
Profit (loss) for the period9904€35k€14k▼
Profit (loss) for the period to be appropriated9905€35k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€14k▲
Profit (loss) brought forward from the previous period14P€-21k€0▲
Transfer from equity791/2€51k€0▼
Transfer to equity691/2€29k€14k▼
To other reserves6921€29k€14k▼
Profit to be distributed694/7€36k€833▼
Return on contributions (dividend)694€31k€833▼
Directors or managers695€5k€0▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €9k | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15k | €7k | €7k | €16k | €18k | ▲ 15.2% |
| Other operating charges640/8 | €2k | €1k | €1k | €1k | €2k | ▲ 18.4% |
| Gross operating margin9900 | €-13k | €-5k | €33k | €66k | €54k | ▼ 17.5% |
| Operating profit (loss)9901 | €-29k | €-13k | €25k | €48k | €34k | ▼ 29.3% |
| Financial income75/76B | €4k | - | €0 | €0 | €1 | ▲ 10,500% |
| Recurring financial income75 | €0 | - | €0 | €0 | €1 | ▲ 10,500% |
| Non-recurring financial income76B | €4k | - | - | - | - | - |
| Financial charges65/66B | €1k | €2k | €2k | €4k | €13k | ▲ 218% |
| Recurring financial charges65 | €1k | €2k | €2k | €4k | €13k | ▲ 218% |
| Profit (loss) for the period before taxes9903 | €-27k | €-15k | €23k | €44k | €21k | ▼ 52.2% |
| Income taxes67/77 | €235 | €240 | €250 | €9k | €7k | ▼ 28.8% |
| Profit (loss) for the period9904 | €-28k | €-15k | €23k | €35k | €14k | ▼ 58.6% |
| Profit (loss) for the period to be appropriated9905 | €-28k | €-15k | €23k | €35k | €14k | ▼ 58.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €181k | €171k | €189k | €471k | €450k | ▼ 4.3% |
| Fixed assets21/28 | €171k | €166k | €160k | €201k | €183k | ▼ 9.1% |
| Tangible fixed assets22/27 | €171k | €166k | €160k | €201k | €183k | ▼ 9.1% |
| Land and buildings22 | €171k | €165k | €158k | €152k | €146k | ▼ 4.1% |
| Furniture and vehicles24 | - | €2k | €1k | €49k | €37k | ▼ 24.8% |
| Current assets29/58 | €10k | €5k | €29k | €269k | €267k | ▼ 0.7% |
| Amounts receivable within one year40/41 | - | - | €22k | €264k | €265k | ▲ 0.5% |
| Trade receivables40 | - | - | €22k | €39k | €90k | ▲ 133% |
| Other amounts receivable41 | - | - | - | €225k | €175k | ▼ 22.2% |
| Cash at bank and in hand54/58 | €7k | €3k | €4k | €4k | €397 | ▼ 91.1% |
| Deferred charges and accrued income490/1 | €2k | €2k | €2k | €1k | €2k | ▲ 64.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €181k | €171k | €189k | €471k | €450k | ▼ 4.3% |
| Equity10/15 | €105k | €90k | €113k | €112k | €125k | ▲ 12.2% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €115k | €115k | €115k | €93k | €107k | ▲ 14.6% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €2k | - | - | - |
| Distributable reserves133 | €113k | €113k | €113k | €93k | €107k | ▲ 14.6% |
| Profit (loss) carried forward14 | €-28k | €-43k | €-21k | - | €0 | - |
| Amounts payable17/49 | €75k | €81k | €76k | €359k | €325k | ▼ 9.5% |
| Amounts payable after more than one year17 | €53k | €36k | €22k | €258k | €199k | ▼ 23.1% |
| Financial debts170/4 | €53k | €36k | €22k | €258k | €199k | ▼ 23.1% |
| Amounts payable within one year42/48 | €21k | €45k | €52k | €97k | €123k | ▲ 26.7% |
| Current portion of amounts payable after more than one year42 | €15k | €15k | €14k | €68k | €60k | ▼ 12.2% |
| Trade debts44 | €391 | €3k | €3k | €3k | €2k | ▼ 25.7% |
| Suppliers440/4 | €391 | €3k | €3k | €3k | €2k | ▼ 25.7% |
| Taxes, remuneration and social security45 | €2k | €3k | €7k | €19k | €37k | ▲ 93.3% |
| Taxes450/3 | €2k | €3k | €7k | €19k | €23k | ▲ 19.8% |
| Remuneration and social security454/9 | - | - | - | - | €14k | - |
| Other amounts payable47/48 | €4k | €24k | €30k | €6k | €24k | ▲ 269% |
| Accrued charges and deferred income492/3 | €1k | €1k | €1k | €4k | €4k | ▼ 1.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-28k | €-15k | €23k | €35k | €14k | ▼ 58.6% |
| + Depreciation and write-downs630 | €15k | €7k | €7k | €16k | €18k | ▲ 15.2% |
| Operating cash flow (approximation) | €-13k | €-8k | €30k | €51k | €33k | ▼ 35.4% |
| Investment in fixed assets (approximation) | - | €-2k | €0 | €-58k | €0 | ▲ 100% |
| Change in cash | - | €-4k | €1k | €-28 | €-4k | ▼ 14,567% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €35k ▲52.3%
Operating result €48k, net result €35k, both a record.
31-12
Financial
Liquidity times 5current ratio 2.78
Current ratio from 0.55 to 2.78.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €23k
Net result €23k after 3 loss-making years.
31-12
Financial
Equity above €100kEq €113k ▲25.4%
Equity rises from €90k to €113k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-28k
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
Show earlier events
2019
31-12
Financial
Equity above €150kEq €156k ▲23.1%
2 profitable years in a row build equity to €156k.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Brugge · 1 establishment unit since 1997
Ground area
1,592 m²
Building footprint
1,159 m²
Volume, LiDAR
689 m³
2 parcels, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
10
companies at this address
See who is registered here
1 establishment unit
Y-CONSULT
since 19972.080.152.825
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31805E1295/00G000 | Flanders | 1,208 m² | 1 · 1,029 m² | - |
| 31808K0590/00T003 | Flanders | 384 m² | 1 · 130 m² | 6.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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Of 9,862 companies in sector 73110 we hold annual accounts for 3,753. 3,003 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-01-1997
Fiscal year end31-12
Activities, NACEBEL 2025
73110Advertising agencies
71112Activities of interior architects
82100Office administrative and support services
Scores and ratios are computed by Checked and are not a credit decision.