Y-NOT
ActiveY-NOT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €189k and a net result of €193k. Equity is growing by ~57.6% per year across the filed fiscal years. Its solvency ranks better than 35% of 1895 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency63▼-22
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity tight (current ratio 1.15 against 2.92 in 2024; short-term debt: 48.7% and cash: 51.8% of total assets), and 62.1% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
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
37.9%
Return on assets
38.7%
Age of the figures
9 mo
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 29-05-2026, 63 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
63 d early
2024
31 d early
2023
33 d early
2022
34 d early
2021
37 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€189k▼ 19.9%
2024 · €236k
2021: €46k
2022: €68k
2023: €131k
2024: €236k
2021 → 2025
Total assets
€499k▲ 26.6%
2024 · €394k
2021: €73k
2022: €263k
2023: €325k
2024: €394k
2021 → 2025
Net result
€193k▲ 17.6%
2024 · €164k
2021: €47k
2022: €23k
2023: €64k
2024: €164k
2021 → 2025
Working capital
€36k▼ 69.5%
2024 · €119k
2021: €29k
2022: €4k
2023: €43k
2024: €119k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€68k▲ 47.3%€131k▲ 93.0%€236k▲ 79.5%€189k▼ 19.9%
Operating result€63k-€33k▼ 46.6%€94k▲ 180%€94k▲ 0.4%€97k▲ 3.2%
Net result€47k-€23k▼ 51.8%€64k▲ 183%€164k▲ 156%€193k▲ 17.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €499k
Fixed assets
€220k▲ 3.3%
Current assets
€279k▲ 53.8%
Equity and liabilities €499k
Equity
€189k▼ 19.9%
Debt
€310k▲ 96.0%
The debt ratio rises from 40.1% to 62.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€100k▲
2024 · €97k
Cash flow
€195k▲
2024 · €166k
Solvency
37.9%▼
2024 · 59.9%
Current ratio
1.15▼
2024 · 2.92
Quick ratio
1.15▼
2024 · 2.92
Debt / equity
1.64▲
2024 · 0.67
ROE
102.2%▲
2024 · 69.6%
ROA
38.7%▼
2024 · 41.7%
Interest coverage
19.49▲
2024 · 15.63
Debt
€310k▲
2024 · €158k
Debt ≤ 1 year
€243k▲
2024 · €62k
Debt > 1 year
€67k▼
2024 · €96k
Income taxes
€26k▲
2024 · €25k
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€394k€499k▲
Fixed assets21/28€213k€220k▲
Tangible fixed assets22/27€12k€19k▲
Plant, machinery and equipment23€9k€9k▼
Furniture and vehicles24€2k€10k▲
Financial fixed assets28€201k€201k=
Current assets29/58€181k€279k▲
Amounts receivable within one year40/41€19k€20k▲
Trade receivables40€18k€18k▼
Other amounts receivable41€1k€1k▲
Cash at bank and in hand54/58€160k€259k▲
Deferred charges and accrued income490/1€2k€971▼
Equity and liabilities
Total equity and liabilities10/49€394k€499k▲
Equity10/15€236k€189k▼
Reserves13€236k€189k▼
Distributable reserves133€236k€189k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€158k€310k▲
Amounts payable after more than one year17€96k€67k▼
Financial debts170/4€96k€67k▼
Amounts payable within one year42/48€62k€243k▲
Current portion of amounts payable after more than one year42€28k€34k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€30k€12k▼
Taxes450/3€27k€9k▼
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€833€193k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€541€2k▲
Gross operating margin9900€97k€102k▲
Operating profit (loss)9901€94k€97k▲
Financial income75/76B€101k€127k▲
Recurring financial income75€101k€127k▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€189k€219k▲
Income taxes67/77€25k€26k▲
Profit (loss) for the period9904€164k€193k▲
Profit (loss) for the period to be appropriated9905€164k€193k▲
Appropriation of the result
Profit (loss) to be appropriated9906€164k€193k▲
Transfer from equity791/2€59k€47k▼
Transfer to equity691/2€163k€0▼
To other reserves6921€163k€0▼
Profit to be distributed694/7€60k€240k▲
Return on contributions (dividend)694€60k€240k▲
The notes to these accounts (11 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €193k ▲17.6%
Operating result €97k, net result €193k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €236k ▲79.5%
4 profitable years in a row build equity to €236k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €131k ▲93%
3 profitable years in a row build equity to €131k.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €23k ▼51.8%
Net result drops to €23k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ravels · 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.
Jachtweg 352380 RavelsGround area
656 m²
Building footprint
138 m²
Volume, LiDAR
972 m³
Parcel 13035C0391/00T006, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jachtweg 35, 2380 Ravels
since 20202.304.200.851
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13035C0391/00T006 | Flanders | 656 m² | 1 · 138 m² | 9.6 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
SWI Consulting
BE 0716.840.688
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VEREMAR
BE 0839.347.532
Oud-Heverlee · Eq €188k
Simsek Consulting
BE 0801.119.832
Heusden-Zolder · Eq €190k
Niarto
BE 0553.969.869
Leuven · Eq €190k
X-IMUS
BE 0810.025.917
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Of 3,151 companies in sector 63920 we hold annual accounts for 1,523. 1,201 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2020
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
62010Computer programming, consultancy and related activities
62020IT consultancy
62030Computer programming, consultancy and related activities
62100Computer programming
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.