Y-PRO
ActiveY-PRO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €170k and a net result of €4k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 46% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▲+7
Solvency49▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.31 against 0.34 in 2024; short-term debt: 21.4% and cash: 2.9% of total assets), and 75.8% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
24.2%
Return on assets
0.6%
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
29 d late
2023
28 d late
2022
4 d early
2021
3 d early
2020
18 d late
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€170k▲ 2.7%
2024 · €166k
2018: €118k
2019: €136k
2020: €144k
2021: €150k
2022: €157k
2023: €169k
2024: €166k
2018 → 2025
Total assets
€704k▼ 3.9%
2024 · €733k
2018: €192k
2019: €215k
2020: €343k
2021: €341k
2022: €316k
2023: €761k
2024: €733k
2018 → 2025
Net result
€4k
2024 · €-9k
2018: €37k
2019: €20k
2020: €9k
2021: €7k
2022: €7k
2023: €14k
2024: €-9k
2018 → 2025
Working capital
€-104k▼ 3.1%
2024 · €-101k
2018: €119k
2019: €81k
2020: €39k
2021: €49k
2022: €57k
2023: €-112k
2024: €-101k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€150k-€157k▲ 4.1%€169k▲ 8.1%€166k▼ 1.9%€170k▲ 2.7%
Operating result€15k-€14k▼ 5.0%€36k▲ 159%€16k▼ 55.8%€28k▲ 77.9%
Net result€7k-€7k▲ 1.6%€14k▲ 96.0%€-9k€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 78% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €704k
Fixed assets
€658k▼ 3.5%
Current assets
€46k▼ 9.4%
Equity and liabilities €704k
Equity
€170k▲ 2.7%
Debt
€533k▼ 5.8%
The debt ratio falls from 77.3% to 75.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€59k▲
2024 · €52k
Cash flow
€35k▲
2024 · €26k
Solvency
24.2%▲
2024 · 22.7%
Current ratio
0.31▼
2024 · 0.34
Quick ratio
0.31▼
2024 · 0.34
Debt / equity
3.13▼
2024 · 3.41
ROE
2.6%▲
2024 · -5.6%
ROA
0.6%▲
2024 · -1.3%
Interest coverage
2.71▲
2024 · 2.10
Debt
€533k▼
2024 · €566k
Debt ≤ 1 year
€151k▼
2024 · €152k
Debt > 1 year
€374k▼
2024 · €404k
Income taxes
€2k▲
2024 · €819
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€733k€704k▼
Fixed assets21/28€681k€658k▼
Tangible fixed assets22/27€681k€657k▼
Land and buildings22€676k€655k▼
Furniture and vehicles24€4k€2k▼
Financial fixed assets28€602€602=
Current assets29/58€51k€46k▼
Amounts receivable within one year40/41€17k€22k▲
Trade receivables40€10k€15k▲
Other amounts receivable41€7k€7k▼
Cash at bank and in hand54/58€30k€20k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€733k€704k▼
Equity10/15€166k€170k▲
Contributions10/11€19k€19k=
Reserves13€157k€152k▼
Distributable reserves133€157k€152k▼
Profit (loss) carried forward14€-9k€0▲
Amounts payable17/49€566k€533k▼
Amounts payable after more than one year17€404k€374k▼
Financial debts170/4€404k€374k▼
Amounts payable within one year42/48€152k€151k▼
Current portion of amounts payable after more than one year42€29k€30k▲
Trade debts44€3k€317▼
Suppliers440/4€3k€317▼
Taxes, remuneration and social security45€9k€17k▲
Taxes450/3€9k€17k▲
Other amounts payable47/48€111k€103k▼
Accrued charges and deferred income492/3€10k€9k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€30k▼
Other operating charges640/8€5k€6k▲
Gross operating margin9900€57k€64k▲
Operating profit (loss)9901€16k€28k▲
Financial income75/76B€71€73▲
Recurring financial income75€71€73▲
Financial charges65/66B€25k€22k▼
Recurring financial charges65€25k€22k▼
Profit (loss) for the period before taxes9903€-9k€7k▲
Income taxes67/77€819€2k▲
Profit (loss) for the period9904€-9k€4k▲
Profit (loss) for the period to be appropriated9905€-9k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-5k▲
Profit (loss) brought forward from the previous period14P-€-9k
Transfer from equity791/2-€9k
Transfer to equity691/2€0€4k▲
To other reserves6921€0€4k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (14 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-9k ▼169%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €150k ▲4.1%
4 profitable years in a row build equity to €150k.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-07
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
4 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, Harelbeke · 1 establishment unit since 2008
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.
Kortrijksesteenweg 168530 HarelbekeGround area
452 m²
Building footprint
157 m²
Volume, LiDAR
1,365 m³
Parcel 34013A0857/00E004, Flanders · tallest building 13.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Y-PRO BVBA
since 20082.178.353.942
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34013A0857/00E004 | Flanders | 452 m² | 1 · 157 m² | 13.4 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
DSH BOUW
BE 0654.711.792
Lokeren · Eq €171k
MDK Development
BE 0763.535.696
Puurs-Sint-Amands · Eq €171k
DE STEEGE
BE 0846.309.261
Zaventem · Eq €170k
SYNFLOW
BE 0802.856.825
Westerlo · Eq €170k
GF INVEST
BE 0877.806.844
Namur · Eq €170k
Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 5,339 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2008
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.