Summary
Y EARLY is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €77k and a net result of €42k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 67% of 66 sector peers (fiscal year 2025). The company has been active since 2020 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.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
202122232425
2020 to 2025 · latest year €77k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 6 filingsDeviation from the deadline
2025
3 d late
2024
2 d early
2023
12 d early
2022
71 d late
2021
436 d late
2020
188 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€77k▲ 122%
2024 · €35k
2020: €-13k
2021: €-15k
2022: €23k
2023: €21k
2024: €35k
2020 → 2025
Net result
€42k▲ 205%
2024 · €14k
2020: €-15k
2021: €-2k
2022: €38k
2023: €-2k
2024: €14k
2020 → 2025
Total assets
€117k▲ 53.0%
2024 · €77k
2020: €48k
2021: €26k
2022: €186k
2023: €65k
2024: €77k
2020 → 2025
Solvency
65.6%▲ 20.3pp
2024 · 45.3%
2020: -27.4%
2021: -59.4%
2022: 12.3%
2023: 32.2%
2024: 45.3%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-15k-€23k€21k▼ 9.3%€35k▲ 66.3%€77k▲ 122%
Operating result€-830-€45k€-5k€32k€57k▲ 79.9%
Net result€-2k-€38k€-2k€14k€42k▲ 205%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 80% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €117k
Equity
€77k ▲ 122%
Debt
€40k ▼ 3.8%
Debt's share of the balance-sheet total falls from 54.7% to 34.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
54.9%▲
2024 · 39.9%
ROA
36.0%▲
2024 · 18.1%
Debt ≤ 1 year
€40k▼
2024 · €42k
Income taxes
€18k▼
2024 · €19k
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€77k€117k▲
Formation expenses20-€0
Current assets29/58€77k€117k▲
Amounts receivable after more than one year29€75k€100k▲
Other amounts receivable291€75k€100k▲
Amounts receivable within one year40/41€2k€16k▲
Trade receivables40€2k€2k▲
Other amounts receivable41-€14k
Cash at bank and in hand54/58€19€1k▲
Equity and liabilities
Total equity and liabilities10/49€77k€117k▲
Equity10/15€35k€77k▲
Contributions10/11€2k€2k=
Reserves13€33k€75k▲
Distributable reserves133€33k€75k▲
Amounts payable17/49€42k€40k▼
Amounts payable within one year42/48€42k€40k▼
Current portion of amounts payable after more than one year42€7k-
Trade debts44€972€2k▲
Suppliers440/4€972€2k▲
Taxes, remuneration and social security45€34k€38k▲
Taxes450/3€34k€38k▲
Income statement
Code20242025
Other operating charges640/8€14k€0▼
Gross operating margin9900€46k€57k▲
Operating profit (loss)9901€32k€57k▲
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€33k€61k▲
Income taxes67/77€19k€18k▼
Profit (loss) for the period9904€14k€42k▲
Profit (loss) for the period to be appropriated9905€14k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€42k▲
Profit (loss) brought forward from the previous period14P€-2k-
Transfer to equity691/2€12k€42k▲
To other reserves6921€12k€42k▲
The notes to these accounts (3 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
31-12
Financial
Highest result since 2020net €42k ▲205%
Operating result €57k, net result €42k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 71 days late
10-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 436 days late
2022
31-12
Financial
Back to profitnet €38k
Net result €38k after 2 loss-making years.
04-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 188 days late
2021
31-12
Financial
Liquidity times 36current ratio 1.67
Current ratio from 0.05 to 1.67; short-term debt falls from €22k to €16k.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Asse · 1 establishment unit since 2020
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.
Gentsesteenweg 641730 AsseGround area
261 m²
Building footprint
201 m²
Volume, LiDAR
1,581 m³
Parcel 23002K0213/00F000, Flanders · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Y Early
since 20202.302.318.952
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23002K0213/00F000 | Flanders | 261 m² | 1 · 200 m² | 12.4 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
Nelis & Winters
BE 0754.851.327
Peer · Eq €50,000
IDEAL CONSEIL
BE 0872.417.901
Flémalle · Eq €49,513
LV Agency
BE 0745.476.870
Heist-op-den-Berg · Eq €121,808
PRIEMUS
BE 1005.194.865
Brugge · Eq €48,079
GERARD & ALTERMAN
BE 0844.119.734
Brussel · Eq €47,605
Of 65 companies in sector 65111 we hold annual accounts for 28. 17 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2020
Fiscal year end31-12
Activities, NACEBEL 2025
65111Insurance, reinsurance and pension funding, except compulsory social security
82990Other business support services
65112Insurance, reinsurance and pension funding, except compulsory social security
65121Insurance, reinsurance and pension funding, except compulsory social security
65122Insurance, reinsurance and pension funding, except compulsory social security
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:ackermanyannick1@gmail.com