Y-magic 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 €78k and a net result of €-891. Equity is growing by ~29.8% per year across the filed fiscal years. Its solvency ranks better than 63% of 7980 sector peers (fiscal year 2025). The company has been active since 2011 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
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-04-2026, 119 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
119 d early
2024
148 d early
2023
48 d early
2022
80 d early
2021
123 d early
2020
52 d early
2019
32 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▼ 1.1%
2024 · €79k
2018: €753
2019: €9k
2020: €17k
2021: €34k
2022: €53k
2023: €72k
2024: €79k
2018 → 2025
Net result
€-891
2024 · €7k
2018: €-12k
2019: €9k
2020: €7k
2021: €17k
2022: €19k
2023: €19k
2024: €7k
2018 → 2025
Total assets
€118k▼ 1.6%
2024 · €120k
2018: €14k
2019: €22k
2020: €32k
2021: €57k
2022: €83k
2023: €107k
2024: €120k
2018 → 2025
Solvency
66.3%▲ 0.3pp
2024 · 66.1%
2018: 5.5%
2019: 42.4%
2020: 51.7%
2021: 59.7%
2022: 64.4%
2023: 67.2%
2024: 66.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€53k▲ 56.6%€72k▲ 35.1%€79k▲ 9.9%€78k▼ 1.1%
Operating result€25k-€29k▲ 15.6%€29k▲ 0.2%€13k▼ 54.8%€-820
Net result€17k-€19k▲ 10.5%€19k▼ 2.9%€7k▼ 61.8%€-891
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €820 after €13k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €118k
Fixed assets
€31▼ 96.1%
Current assets
€118k▼ 0.9%
Equity and liabilities €118k
Equity
€78k▼ 1.1%
Debt
€40k▼ 2.4%
The debt ratio falls from 33.9% to 33.7%. Equity and debt are lower.
Key figures and ratios
Solvency
66.3%▲
2024 · 66.1%
ROE
-1.1%▼
2024 · 9.0%
ROA
-0.8%▼
2024 · 6.0%
Debt
€40k▼
2024 · €41k
Debt ≤ 1 year
€40k▲
2024 · €39k
Income taxes
€0▼
2024 · €3k
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€120k€118k▼
Fixed assets21/28€804€31▼
Tangible fixed assets22/27€804€31▼
Furniture and vehicles24€804€31▼
Current assets29/58€119k€118k▼
Amounts receivable within one year40/41€12k€3k▼
Trade receivables40€9k€0▼
Other amounts receivable41€3k€3k▲
Cash at bank and in hand54/58€107k€115k▲
Equity and liabilities
Total equity and liabilities10/49€120k€118k▼
Equity10/15€79k€78k▼
Contributions10/11€19k€19k=
Reserves13€61k€61k=
Distributable reserves133€61k€61k=
Profit (loss) carried forward14-€-891
Amounts payable17/49€41k€40k▼
Amounts payable within one year42/48€39k€40k▲
Trade debts44€509€484▼
Suppliers440/4€509€484▼
Taxes, remuneration and social security45€4k€0▼
Taxes450/3€4k€0▼
Other amounts payable47/48€34k€39k▲
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€773▼
Other operating charges640/8€449€462▲
Gross operating margin9900€15k€414▼
Operating profit (loss)9901€13k€-820▼
Financial charges65/66B€3k€70▼
Recurring financial charges65€3k€70▼
Profit (loss) for the period before taxes9903€11k€-891▼
Income taxes67/77€3k€0▼
Profit (loss) for the period9904€7k€-891▼
Profit (loss) for the period to be appropriated9905€7k€-891▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€-891▼
Transfer to equity691/2€7k€0▼
To other reserves6921€7k€0▼
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
Next filing, fiscal year 2026, expected by
2026
03-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
05-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €19k ▲10.5%
Net result €19k, the highest in the series.
30-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Zonhoven · 1 establishment unit since 2011
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.
Hulsbergweg 23520 ZonhovenGround area
1,382 m²
Building footprint
161 m²
Volume, LiDAR
924 m³
Parcel 71066A0191/00B000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Y-magic
since 20112.202.117.358
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71066A0191/00B000 | Flanders | 1,382 m² | 1 · 160 m² | 8.5 m · 2 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
HIGHPERION
BE 0543.553.950
La Hulpe · Eq €78k
TERTIUM
BE 0466.117.266
Ukkel · Eq €78k
VERTALON
BE 0885.430.747
Wielsbeke · Eq €78k
SCILL
BE 0651.587.206
Lennik · Eq €78k
ERVICO
BE 0478.928.293
Sint-Lambrechts-Woluwe · Eq €78k
Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 11,691 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2011
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
59113Video and film production, excluding cinema and television films
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.