Y-mmo Consult & Services
ActiveFinancials · financial year 2025, micro format
Annual accounts 2025 filed on 15-06-2026 at the NBB all 25 filings
Amounts without an identifiable currency are taken as euros.
Turnover
≈ €230,000
Estimated: probably between €190,000 and €270,000
Total assets
€597,629▼ 3.7%
2024 · €620,276
Net result
€54,003
2024 · -€29,191
Working capital
-€12,643▲ 70.2%
2024 · -€42,385
Multi-year overview
2018 to 2025, 8 financial yearsOperating result
€70,915
2025
20182025
Net result
€54,003
2025
middle half of the sector
20182025
Equity
€166,352
▲ 15.1%
2025
middle half of the sector
20182025
Total assets
€597,629
▼ 3.7%
2025
highest quarter of the sector
20182025
Debt
€431,277
▼ 9.4%
2025
20182025
Working capital
-€12,643
▲ 70.2%
2025
lowest quarter of the sector
20182025
Solvency
27.8%
▲ 4.5pp
2025
middle half of the sector
20182025
Current ratio
0.84
▲ 0.37
2025
lowest quarter of the sector
20182025
Return on assets (ROA)
9.0%
▲ 13.7pp
2025
middle half of the sector
20182025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€39,787-€25,923▼ 34.8%€37,591▲ 45.0%€105,135▲ 180%€170,067▲ 61.8%-€70,980-€11,327▲ 84.0%€70,915
Net result€21,658-€12,055▼ 44.3%€20,886within the sector's middle half▲ 73.3%€70,868above the sector's middle half▲ 239%€114,041above the sector's middle half▲ 60.9%-€77,342below the sector's middle half-€29,191below the sector's middle half▲ 62.3%€54,003within the sector's middle half
Equity€148,170-€160,225▲ 8.1%€180,311within the sector's middle half▲ 12.5%€169,487within the sector's middle half▼ 6.0%€272,682above the sector's middle half▲ 60.9%€195,340within the sector's middle half▼ 28.4%€144,490within the sector's middle half▼ 26.0%€166,352within the sector's middle half▲ 15.1%
Total assets€457,368-€442,974▼ 3.1%€425,898within the sector's middle half▼ 3.9%€440,875within the sector's middle half▲ 3.5%€525,396above the sector's middle half▲ 19.2%€621,151above the sector's middle half▲ 18.2%€620,276above the sector's middle half▼ 0.1%€597,629above the sector's middle half▼ 3.7%
Debt€309,199-€282,749▼ 8.6%€245,587▼ 13.1%€271,388▲ 10.5%€252,714▼ 6.9%€425,811▲ 68.5%€475,786▲ 11.7%€431,277▼ 9.4%
Working capital€4,959-€20,613▲ 316%€16,244within the sector's middle half▼ 21.2%€4,818within the sector's middle half▼ 70.3%€107,471within the sector's middle half▲ 22×€26,477within the sector's middle half▼ 75.4%-€42,385below the sector's middle half-€12,643below the sector's middle half▲ 70.2%
Solvency32.4%-36.2%▲ 3.8pp42.3%within the sector's middle half▲ 6.2pp38.4%within the sector's middle half▼ 3.9pp51.9%within the sector's middle half▲ 13.5pp31.4%within the sector's middle half▼ 20.5pp23.3%below the sector's middle half▼ 8.2pp27.8%within the sector's middle half▲ 4.5pp
Current ratio1.14-1.48▲ 0.341.45within the sector's middle half▼ 0.031.05within the sector's middle half▼ 0.392.10within the sector's middle half▲ 1.041.60within the sector's middle half▼ 0.490.47below the sector's middle half▼ 1.130.84below the sector's middle half▲ 0.37
Return on assets (ROA)4.7%-2.7%▼ 2.0pp4.9%within the sector's middle half▲ 2.2pp16.1%within the sector's middle half▲ 11.2pp21.7%within the sector's middle half▲ 5.6pp-12.5%below the sector's middle half▼ 34.2pp-4.7%below the sector's middle half▲ 7.7pp9.0%within the sector's middle half▲ 13.7pp
above
within
below
The sector band is the middle half of the companies in Activities of head offices; management consultancy activities (NACE 70). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is a profit of €70,915, after a loss of €11,327 in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €597,629
Fixed assets
€528,855 ▼ 9.2%
Current assets
€68,774 ▲ 82.7%
Equity and liabilities €597,629
Equity
€166,352 ▲ 15.1%
Debt
€431,277 ▼ 9.4%
Debt's share of the balance-sheet total falls from 76.7% to 72.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€126,699▲
2024 · €43,026
Cash flow
€109,787▲
2024 · €25,163
Debt to equity
2.59▼
2024 · 3.29
ROE
32.5%▲
2024 · -20.2%
Interest coverage
7.57▲
2024 · 2.46
Debt ≤ 1 year
€81,417▲
2024 · €80,022
Debt > 1 year
€349,860▼
2024 · €395,763
Income taxes
€257▼
2024 · €365
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Securities and guarantees
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Mortgages, amount registered | €115,000 | €115,000 | €80,000 | €80,000 | €80,000 |
| Mortgage mandates | - | - | €233,000 | €233,000 | €233,000 |
| Carrying value of the mortgaged assets | €37,919 | €37,919 | €432,646 | €400,153 | €365,099 |
Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | - | €258,039 | €84,073 | €2,000 |
| Intangible fixed assets | - | - | - | €2,042 | - |
| Depreciation and write-downs of the year | €27,359 | €25,886 | €27,071 | €54,353 | €55,784 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | - | - | €9,000 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €39,248 | €41,003 | €33,767 | €27,359 | €25,886 | €27,071 | €54,353 | €55,784 | ▲ 2.6% |
| Other operating charges640/8 | - | - | - | €3,067 | €3,118 | €4,376 | €6,760 | €6,418 | ▼ 5.1% |
| Gross operating margin9900 | €82,279 | €69,559 | €74,095 | €135,560 | €199,071 | -€39,534 | €49,786 | €133,117 | ▲ 167% |
| Operating profit (loss)9901 | €39,787 | €25,923 | €37,591 | €105,135 | €170,067 | -€70,980 | -€11,327 | €70,915 | - |
| Financial income75/76B | - | - | - | - | €0 | €10 | €13 | €90 | ▲ 597% |
| Recurring financial income75 | €2 | €0 | €0 | - | €0 | €10 | €13 | €90 | ▲ 597% |
| Financial charges65/66B | - | - | - | €5,929 | €5,393 | €6,170 | €17,511 | €16,745 | ▼ 4.4% |
| Recurring financial charges65 | €8,504 | €7,577 | €6,984 | €5,929 | €5,393 | €6,170 | €17,511 | €16,745 | ▼ 4.4% |
| Profit (loss) for the period before taxes9903 | €31,284 | €18,347 | €30,607 | €99,206 | €164,674 | -€77,140 | -€28,825 | €54,259 | - |
| Income taxes67/77 | €9,626 | €6,292 | €9,721 | €28,337 | €50,633 | €202 | €365 | €257 | ▼ 29.8% |
| Profit (loss) for the period9904 | €21,658 | €12,055 | €20,886 | €70,868 | €114,041 | -€77,342 | -€29,191 | €54,003 | - |
| Profit (loss) for the period to be appropriated9905 | €21,658 | €12,055 | €20,886 | €70,868 | €114,041 | -€77,342 | -€29,191 | €54,003 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €457,368 | €442,974 | €425,898 | €440,875 | €525,396 | €621,151 | €620,276 | €597,629 | ▼ 3.7% |
| Formation expenses20 | €0 | €0 | €0 | - | - | - | - | - | - |
| Fixed assets21/28 | €415,806 | €379,221 | €373,153 | €345,794 | €319,908 | €550,877 | €582,639 | €528,855 | ▼ 9.2% |
| Intangible fixed assets21 | €0 | €0 | €0 | - | - | - | €1,767 | €1,358 | ▼ 23.1% |
| Tangible fixed assets22/27 | €415,806 | €379,221 | €373,153 | €345,794 | €319,908 | €550,877 | €580,872 | €527,497 | ▼ 9.2% |
| Land and buildings22 | - | - | - | €299,057 | €281,036 | €519,871 | €488,269 | €456,668 | ▼ 6.5% |
| Plant, machinery and equipment23 | - | - | - | €1,403 | €935 | €468 | €0 | - | - |
| Furniture and vehicles24 | - | - | - | €2,867 | €2,136 | €1,405 | €67,817 | €52,955 | ▼ 21.9% |
| Other tangible fixed assets26 | - | - | - | €42,467 | €35,800 | €29,133 | €24,786 | €17,874 | ▼ 27.9% |
| Financial fixed assets28 | €0 | €0 | €0 | - | - | - | - | - | - |
| Current assets29/58 | €41,562 | €63,753 | €52,745 | €95,081 | €205,488 | €70,274 | €37,638 | €68,774 | ▲ 82.7% |
| Stocks and contracts in progress3 | €0 | €0 | €0 | - | - | - | - | - | - |
| Amounts receivable within one year40/41 | €25,509 | €19,893 | €3,902 | €43,260 | €37,225 | €33,407 | €30,226 | €33,124 | ▲ 9.6% |
| Trade receivables40 | - | - | - | €42,978 | €37,225 | €10,991 | €7,869 | €12,545 | ▲ 59.4% |
| Other amounts receivable41 | - | - | - | €283 | €0 | €22,415 | €22,356 | €20,579 | ▼ 8.0% |
| Current investments50/53 | €0 | €0 | €0 | - | - | - | - | - | - |
| Cash at bank and in hand54/58 | €11,602 | €37,865 | €44,240 | €50,849 | €162,053 | €34,215 | €4,980 | €31,408 | ▲ 531% |
| Deferred charges and accrued income490/1 | - | - | - | €971 | €6,211 | €2,652 | €2,432 | €4,242 | ▲ 74.5% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €457,368 | €442,974 | €425,898 | €440,875 | €525,396 | €621,151 | €620,276 | €597,629 | ▼ 3.7% |
| Equity10/15 | €148,170 | €160,225 | €180,311 | €169,487 | €272,682 | €195,340 | €144,490 | €166,352 | ▲ 15.1% |
| Contributions10/11 | €19,500 | €19,500 | - | €19,500 | €19,500 | €19,500 | €19,500 | €19,500 | = |
| Reserves13 | €128,670 | €140,725 | €160,811 | €149,987 | €253,182 | €253,182 | €231,523 | €199,383 | ▼ 13.9% |
| Non-distributable reserves130/1 | - | - | - | €1,950 | €1,950 | €0 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,950 | €1,950 | €0 | - | - | - |
| Distributable reserves133 | - | - | - | €148,037 | €251,232 | €253,182 | €231,523 | €199,383 | ▼ 13.9% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | -€77,342 | -€106,533 | -€52,530 | ▲ 50.7% |
| Amounts payable17/49 | €309,199 | €282,749 | €245,587 | €271,388 | €252,714 | €425,811 | €475,786 | €431,277 | ▼ 9.4% |
| Amounts payable after more than one year17 | €272,045 | €238,190 | €208,031 | €179,946 | €154,068 | €380,943 | €395,763 | €349,860 | ▼ 11.6% |
| Financial debts170/4 | - | - | - | €179,946 | €154,068 | €380,943 | €395,763 | €349,860 | ▼ 11.6% |
| Amounts payable within one year42/48 | €36,603 | €43,140 | €36,502 | €90,263 | €98,017 | €43,797 | €80,022 | €81,417 | ▲ 1.7% |
| Current portion of amounts payable after more than one year42 | - | - | - | €28,084 | €25,878 | €31,125 | €44,352 | €45,903 | ▲ 3.5% |
| Trade debts44 | €525 | €1,651 | €1,687 | €1,592 | €5,344 | €3,951 | €3,178 | €2,034 | ▼ 36.0% |
| Suppliers440/4 | - | - | - | €1,592 | €5,344 | €3,951 | €3,178 | €2,034 | ▼ 36.0% |
| Taxes, remuneration and social security45 | - | - | - | €12,195 | €13,926 | €7,671 | €7,626 | €10,848 | ▲ 42.3% |
| Taxes450/3 | - | - | - | €12,195 | €13,926 | €5,395 | €5,350 | €10,848 | ▲ 103% |
| Remuneration and social security454/9 | - | - | - | - | - | €2,276 | €2,276 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | - | - | €48,392 | €52,869 | €1,050 | €24,866 | €22,631 | ▼ 9.0% |
| Accrued charges and deferred income492/3 | - | - | - | €1,179 | €629 | €1,071 | €0 | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21,658 | €12,055 | €20,886 | €70,868 | €114,041 | -€77,342 | -€29,191 | €54,003 | - |
| + Depreciation and write-downs630 | €39,248 | €41,003 | €33,767 | €27,359 | €25,886 | €27,071 | €54,353 | €55,784 | ▲ 2.6% |
| Operating cash flow (approximation) | €60,906 | €53,058 | €54,653 | €98,227 | €139,927 | -€50,272 | €25,163 | €109,787 | ▲ 336% |
| Investment in fixed assets (approximation) | - | -€4,418 | -€27,698 | €0 | €0 | -€258,039 | -€86,115 | -€2,000 | ▲ 97.7% |
| Change in cash | - | €26,263 | €6,375 | €6,609 | €111,204 | -€127,838 | -€29,234 | €26,427 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 2,613 companies had the same profile as Y-mmo Consult & Services has now. Two years later, 97.3% were still going and 0.7% had gone bankrupt.
- Small
- 20 years or older
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
97.3%
was still going
2.0%
stopped otherwise
0.7%
went bankrupt
That fits the bankruptcy probability of Y-mmo Consult & Services itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,613 companies, not a prediction for Y-mmo Consult & Services. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Latest 10 of 25 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 15-06-2026 | 2026-00163778 | |
| 31-12-2024 | micro format | 07-07-2025 | 2025-00242809 | |
| 31-12-2023 | micro format | 24-07-2024 | 2024-00285792 | |
| 31-12-2022 | micro format | 12-06-2023 | 2023-00121690 | |
| 31-12-2021 | micro format | 23-06-2022 | 2022-20084260 | |
| 31-12-2020 | micro format | 09-07-2021 | 2021-32800294 | |
| 31-12-2019 | micro format | 30-06-2020 | 2020-22300581 | |
| 31-12-2018 | micro format | 04-07-2019 | 2019-27900509 | |
| 31-12-2017 | micro format | 27-07-2018 | 2018-38300100 | |
| 31-12-2016 | micro format | 27-07-2017 | 2017-35900043 |