Y & Y
ActiveY & Y has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €25k. Equity is growing by ~22.4% per year across the filed fiscal years. Its solvency ranks better than 47% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+18
Solvency81▲+11
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 3.12 against 2.1 in 2024; short-term debt: 13.3% and cash: 26.5% of total assets), and 44% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 23-10-2025, 8 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
8 d early
2024
34 d early
2022
34 d early
2021
23 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€116k▲ 27.2%
2024 · €91k
2021: €51k
2022: €72k
2024: €91k
2021 → 2025
Total assets
€207k▲ 2.4%
2024 · €202k
2021: €100k
2022: €264k
2024: €202k
2021 → 2025
Net result
€25k
2024 · €-4k
2021: €48k
2022: €22k
2024: €-4k
2021 → 2025
Working capital
€59k▲ 49.4%
2024 · €39k
2021: €49k
2022: €43k
2024: €39k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220242025Trend
Equity€51k-€72k▲ 43.0%€91k▲ 26.3%€116k▲ 27.2%
Operating result€67k-€33k▼ 51.0%€-509€43k
Net result€48k-€22k▼ 54.3%€-4k€25k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €43k after a loss of €509 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €207k
Fixed assets
€121k▼ 5.1%
Current assets
€86k▲ 15.1%
Equity and liabilities €207k
Equity
€116k▲ 27.2%
Debt
€91k▼ 18.0%
The debt ratio falls from 54.9% to 44.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€68k▲
2024 · €20k
Cash flow
€50k▲
2024 · €17k
Solvency
56.0%▲
2024 · 45.1%
Current ratio
3.12▲
2024 · 2.10
Quick ratio
3.12▲
2024 · 2.10
Debt / equity
0.78▼
2024 · 1.22
ROE
21.4%▲
2024 · -4.1%
ROA
12.0%▲
2024 · -1.8%
Interest coverage
46.40▲
2024 · 11.57
Debt
€91k▼
2024 · €111k
Debt ≤ 1 year
€28k▼
2024 · €36k
Debt > 1 year
€63k▼
2024 · €74k
Income taxes
€17k▲
2024 · €1k
Staff costs
€64k▲
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€202k€207k▲
Formation expenses20-€0
Fixed assets21/28€127k€121k▼
Intangible fixed assets21€10k€8k▼
Tangible fixed assets22/27€118k€113k▼
Land and buildings22€99k€89k▼
Plant, machinery and equipment23€10k€8k▼
Furniture and vehicles24€5k€13k▲
Other tangible fixed assets26€3k€3k▼
Current assets29/58€75k€86k▲
Amounts receivable within one year40/41€29k€27k▼
Trade receivables40€27k€27k▼
Other amounts receivable41€2k€46▼
Cash at bank and in hand54/58€41k€55k▲
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€202k€207k▲
Equity10/15€91k€116k▲
Contributions10/11€3k€3k=
Reserves13€92k€113k▲
Distributable reserves133€92k€113k▲
Profit (loss) carried forward14€-4k-
Amounts payable17/49€111k€91k▼
Amounts payable after more than one year17€74k€63k▼
Financial debts170/4€74k€63k▼
Amounts payable within one year42/48€36k€28k▼
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€9k-
Suppliers440/4€9k-
Taxes, remuneration and social security45€6k€17k▲
Taxes450/3€4k€13k▲
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€10k-
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Remuneration, social security and pensions62€16k€64k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€25k▲
Other operating charges640/8€8k€1k▼
Gross operating margin9900€44k€133k▲
Operating profit (loss)9901€-509€43k▲
Financial income75/76B€1€166▲
Recurring financial income75€1€166▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-2k€41k▲
Income taxes67/77€1k€17k▲
Profit (loss) for the period9904€-4k€25k▲
Profit (loss) for the period to be appropriated9905€-4k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€21k▲
Profit (loss) brought forward from the previous period14P-€-4k
Transfer to equity691/2-€21k
To other reserves6921-€21k
The notes to these accounts (12 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
2025
23-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-03
Financial
Equity above €100kEq €116k ▲27.2%
Equity rises from €91k to €116k.
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €-4k ▼117%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
08-10
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
2 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, Heist-op-den-Berg · 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.
Oude Mechelbaan 34b2220 Heist-op-den-BergGround area
1,714 m²
Building footprint
199 m²
Volume, LiDAR
1,029 m³
Parcel 12322I0451/00F000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Yau Consulting
since 20202.298.754.993
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12322I0451/00F000 | Flanders | 1,714 m² | 1 · 199 m² | 8.6 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 96,313 EUR awarded · 102,030 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 72,894 EUR | 78,611 EUR |
| 2024 | 1 | 23,419 EUR | 23,419 EUR |
Schemes
Subsidies voorschoolse kinderopvang
Recognitions · licences · registrations
Food safety, FASFC
1 siteHeist-op-den-Berg2.298.754.993
Care and welfare
1 serviceVilla-Bijtje
Similar companies · same sector, comparable size
ALLES ZOU OOK ANDERS KUNNEN
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LINKDIGITAL
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NEPHEWS
BE 0779.354.220
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FESQFOR
BE 0677.817.885
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Stassen Consulting
BE 0804.065.860
Bilzen-Hoeselt · Eq €116k
Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,515 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2020
Fiscal year end31-03
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
88911Day nurseries and crèches
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.