Y-TECH
ActiveY-TECH has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €258k and a net result of €44k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 51% of 7760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+20
Solvency70▲+12
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 2.05 against 1.51 in 2024; short-term debt: 36.8% and cash: 29.7% of total assets), but 54.7% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
45.3%
Return on assets
7.8%
Age of the figures
15 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
3 d early
2023
on the day
2022
8 d early
2021
9 d early
2020
13 d early
2019
3 d late
← 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, abbreviated schema
Equity
€258k▲ 20.7%
2024 · €214k
2019: €115k
2020: €159k
2021: €193k
2022: €194k
2023: €202k
2024: €214k
2019 → 2025
Total assets
€569k▼ 12.1%
2024 · €648k
2019: €388k
2020: €420k
2021: €431k
2022: €590k
2023: €768k
2024: €648k
2019 → 2025
Net result
€44k▲ 290%
2024 · €11k
2019: €32k
2020: €44k
2021: €33k
2022: €1k
2023: €8k
2024: €11k
2019 → 2025
Working capital
€220k▲ 31.2%
2024 · €168k
2019: €75k
2020: €137k
2021: €175k
2022: €177k
2023: €178k
2024: €168k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€193k-€194k▲ 0.7%€202k▲ 4.2%€214k▲ 5.6%€258k▲ 20.7%
Operating result€52k-€12k▼ 77.4%€13k▲ 11.0%€28k▲ 118%€73k▲ 156%
Net result€33k-€1k▼ 95.9%€8k▲ 493%€11k▲ 39.7%€44k▲ 290%
Turnover and EBIT margin not published: the abbreviated or 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 156% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €569k
Fixed assets
€140k▼ 6.8%
Current assets
€429k▼ 13.7%
Equity and liabilities €569k
Equity
€258k▲ 20.7%
Provisions
€19k=
Debt
€293k▼ 29.5%
The debt ratio falls from 64.2% to 51.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€110k▲
2024 · €44k
Cash flow
€82k▲
2024 · €26k
Solvency
45.3%▲
2024 · 33.0%
Current ratio
2.05▲
2024 · 1.51
Quick ratio
2.05▲
2024 · 1.51
Debt / equity
1.14▼
2024 · 1.95
ROE
17.1%▲
2024 · 5.3%
ROA
7.8%▲
2024 · 1.7%
Interest coverage
7.81▲
2024 · 4.40
Debt
€293k▼
2024 · €416k
Debt ≤ 1 year
€210k▼
2024 · €330k
Debt > 1 year
€82k▼
2024 · €84k
Income taxes
€17k▲
2024 · €7k
Staff costs
€275k▼
2024 · €280k
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€648k€569k▼
Fixed assets21/28€150k€140k▼
Tangible fixed assets22/27€148k€138k▼
Land and buildings22€17k€12k▼
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€123k€99k▼
Leasing and similar rights25€5k€23k▲
Financial fixed assets28€2k€2k=
Current assets29/58€498k€429k▼
Amounts receivable within one year40/41€327k€247k▼
Trade receivables40€254k€199k▼
Other amounts receivable41€73k€48k▼
Cash at bank and in hand54/58€13k€169k▲
Deferred charges and accrued income490/1€158k€13k▼
Equity and liabilities
Total equity and liabilities10/49€648k€569k▼
Equity10/15€214k€258k▲
Contributions10/11€6k€6k=
Reserves13€206k€250k▲
Distributable reserves133€206k€250k▲
Profit (loss) carried forward14€1k€1k=
Provisions and deferred taxes16€19k€19k=
Provisions for liabilities and charges160/5€19k€19k=
Major repairs and maintenance162€0-
Other liabilities and charges164/5€19k€19k=
Amounts payable17/49€416k€293k▼
Amounts payable after more than one year17€84k€82k▼
Financial debts170/4€84k€82k▼
Amounts payable within one year42/48€330k€210k▼
Current portion of amounts payable after more than one year42€24k€24k▲
Trade debts44€106k€93k▼
Suppliers440/4€106k€93k▼
Taxes, remuneration and social security45€49k€26k▼
Taxes450/3€14k€9k▼
Remuneration and social security454/9€35k€17k▼
Other amounts payable47/48€151k€67k▼
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€509€413▼
Remuneration, social security and pensions62€280k€275k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€37k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€25k€164k▲
Other operating charges640/8€4k€4k▲
Non-recurring operating charges66A-€30k
Gross operating margin9900€352k€583k▲
Operating profit (loss)9901€28k€73k▲
Financial income75/76B€213€3k▲
Recurring financial income75€213€3k▲
Financial charges65/66B€10k€14k▲
Recurring financial charges65€10k€14k▲
Profit (loss) for the period before taxes9903€19k€61k▲
Income taxes67/77€7k€17k▲
Profit (loss) for the period9904€11k€44k▲
Profit (loss) for the period to be appropriated9905€11k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€45k▲
Profit (loss) brought forward from the previous period14P€1k€1k=
Transfer to equity691/2€11k€44k▲
To other reserves6921€11k€44k▲
Social balance
Average headcount (FTE)90875.55.7▲
The notes to these accounts (18 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Equity above €200kEq €202k ▲4.2%
5 profitable years in a row build equity to €202k.
2022
23-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-05
Financial
Weakest financial yearnet €1k ▼95.9%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
18-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-05
Financial
Highest result since 2019net €44k ▲37%
Net result €44k, the highest in the series.
31-05
Financial
Equity above €150kEq €159k ▲38.6%
2 profitable years in a row build equity to €159k.
03-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2018
27-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
18-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
23-12
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Leopoldsburg · 1 establishment unit since 2012
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.
Lommelsesteenweg 463970 LeopoldsburgGround area
459 m²
Building footprint
155 m²
Volume, LiDAR
793 m³
Parcel 71034A2882/00A000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Y-TECH
since 20122.214.466.151
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71034A2882/00A000 | Flanders | 459 m² | 1 · 155 m² | 10.1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 1,910 EUR awarded · 1,910 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 900 EUR | 900 EUR |
| 2024 | 1 | 500 EUR | 500 EUR |
| 2022 | 1 | 510 EUR | 510 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Stagebonus (stopgezet)
Recognitions · licences · registrations
Recognised contractor
3 categoriesY-TECH BV46335
Dual-learning approval
5 live approvalsMonteur sanitaire en verwarmingsinstallaties duaal (so)
Sanitaire en verwarmingsinstallaties duaal (so)
Technicus installatietechnieken (vwo)
Technicus installatietechnieken duaal (so)
Vakman installatietechnieken (vwo)
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M-VO Chauffage & Sanitaire
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H.N.R.
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,654 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-11-2012
Fiscal year end30-06
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
28210Manufacture of machinery and equipment not elsewhere classified
33190Repair, maintenance and installation of machinery and equipment
43221Plumbing work
43240Other construction installation
43299Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@y-tech.be
Phone:0477/95 06 64