Y&S
ActiveY&S has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €10k. Equity is growing by ~43.1% per year across the filed fiscal years. Its solvency ranks better than 34% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-25
Solvency37▲+3
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.13 against 0.23 in 2024; short-term debt: 41.2% and cash: 3% of total assets), and 88.1% 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 68
Relative position
BE, all sectors
reference
Sector 68
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
11.9%
Return on assets
1.2%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 27 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 · 3 filingsDeviation from the deadline
2025
27 d late
2024
1 d early
2023
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€101k▲ 31.4%
2024 · €77k
2023: €35k
2024: €77k
2023 → 2025
Total assets
€851k▼ 6.1%
2024 · €906k
2023: €817k
2024: €906k
2023 → 2025
Net result
€10k▼ 75.3%
2024 · €42k
2023: €25k
2024: €42k
2023 → 2025
Working capital
€-305k▼ 5.2%
2024 · €-290k
2023: €-294k
2024: €-290k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€35k-€77k▲ 121%€101k▲ 31.4%
Operating result€49k-€73k▲ 49.9%€29k▼ 61.0%
Net result€25k-€42k▲ 69.9%€10k▼ 75.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 61% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €851k
Fixed assets
€805k▼ 1.8%
Current assets
€46k▼ 46.6%
Equity and liabilities €851k
Equity
€101k▲ 31.4%
Debt
€749k▼ 9.6%
The debt ratio falls from 91.5% to 88.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€58k▼
2024 · €101k
Cash flow
€40k▼
2024 · €70k
Solvency
11.9%▲
2024 · 8.5%
Current ratio
0.13▼
2024 · 0.23
Quick ratio
0.13▼
2024 · 0.23
Debt / equity
7.41▼
2024 · 10.76
ROE
10.3%▼
2024 · 54.8%
ROA
1.2%▼
2024 · 4.7%
Interest coverage
3.63▼
2024 · 6.55
Debt
€749k▼
2024 · €829k
Debt ≤ 1 year
€351k▼
2024 · €376k
Debt > 1 year
€399k▼
2024 · €427k
Income taxes
€3k▼
2024 · €16k
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€906k€851k▼
Fixed assets21/28€819k€805k▼
Tangible fixed assets22/27€819k€805k▼
Land and buildings22€812k€798k▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€86k€46k▼
Amounts receivable within one year40/41€84k€811▼
Trade receivables40€36k-
Other amounts receivable41€48k€811▼
Cash at bank and in hand54/58€2k€25k▲
Deferred charges and accrued income490/1€191€20k▲
Equity and liabilities
Total equity and liabilities10/49€906k€851k▼
Equity10/15€77k€101k▲
Contributions10/11€10k€10k=
Reserves13€67k€77k▲
Distributable reserves133€67k€77k▲
Investment grants15-€14k
Amounts payable17/49€829k€749k▼
Amounts payable after more than one year17€427k€399k▼
Financial debts170/4€427k€399k▼
Amounts payable within one year42/48€376k€351k▼
Current portion of amounts payable after more than one year42€36k€28k▼
Trade debts44€18k€4k▼
Suppliers440/4€18k€4k▼
Taxes, remuneration and social security45€29k€14k▼
Taxes450/3€29k€14k▼
Other amounts payable47/48€293k€304k▲
Accrued charges and deferred income492/3€26k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€30k▲
Other operating charges640/8€843€226▼
Gross operating margin9900€102k€59k▼
Operating profit (loss)9901€73k€29k▼
Financial income75/76B€0€573▲
Recurring financial income75€0€573▲
Financial charges65/66B€15k€16k▲
Recurring financial charges65€15k€16k▲
Profit (loss) for the period before taxes9903€58k€13k▼
Income taxes67/77€16k€3k▼
Profit (loss) for the period9904€42k€10k▼
Profit (loss) for the period to be appropriated9905€42k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€10k▼
Transfer to equity691/2€42k€10k▼
To other reserves6921€42k€10k▼
The notes to these accounts (7 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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-06
Financial
Weakest financial yearnet €10k ▼75.3%
Net result drops to €10k, the lowest in the series.
30-06
Financial
Equity above €100kEq €101k ▲31.4%
3 profitable years in a row build equity to €101k.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2023net €42k ▲69.9%
Operating result €73k, net result €42k, both a record.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated 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, Wervik · 1 establishment unit since 2022
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.
Rekestraat 8A8940 WervikGround area
303 m²
Building footprint
272 m²
Volume, LiDAR
1,724 m³
2 parcels, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Y&S
since 20222.334.189.687
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33029C0666/00W006 | Flanders | 191 m² | 1 · 189 m² | 7.0 m · 2 fl. |
| 33029C0646/00R008indicative | Flanders | 112 m² | 1 · 83 m² | 10.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels 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
Thuisconstruct
BE 0675.640.236
Schelle · Eq €101k
BARAK
BE 0751.882.632
Leuven · Eq €101k
CHOFIMMO
BE 0881.403.762
Wemmel · Eq €101k
WY NOT
BE 0795.434.939
Rumst · Eq €101k
AG²F CONSTRUCT
BE 1001.592.603
Chièvres · Eq €101k
Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 5,303 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-07-2022
Fiscal year end30-06
Activities, NACEBEL
68121Development of residential building projects
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.