Summary
YAGO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €404,334 and a net result of €89,400. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 35 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 35 sector peers (2025).
NBB · sector comparisonPosition among 35 sector peers
Solvency
better than 10%
← weakest
strongest →
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 03-07-2026, 28 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
28 d early
2024
14 d early
2023
36 d early
2022
18 d early
2021
6 d early
2020
33 d early
2019
27 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 15 days before the deadline; the sector median for financial year 2024 is 29 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 13 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
YAGO was incorporated on 5 October 2015 by two natural persons, with a starting capital of EUR 70,000.12 Between 2016 and 2025 the capital was increased 11 times, most recently to EUR 9.6 million.345 The registered office was moved to Bruxelles in 2020.6 The name was changed to YAGO in 2022.7 The board currently has 5 members; DEBRAY Nicolas Marc Ghislain has served longest, since 2020.6 Total assets rose from EUR 332,215 in 2018 to EUR 10 million in 2025 and headcount from 9.3 to 54.8 full-time equivalents.8
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema, statutory accounts
In the rankings
#5 employer in Belgium, Insurance and pension funding sector
Equity
€404,334▲ 28.4%
2024 · €314,934
Net result
€89,400
2024 · -€1.9m
Total assets
€10.2m▲ 43.1%
2024 · €7.1m
Solvency
4.0%▼ 0.5pp
2024 · 4.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 65, Insurance, reinsurance and pension funding, except compulsory social security, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€5.8m
Operating result-€1.0m▼ 87.8%-€1.9m▼ 92.1%-€2.2m▼ 12.8%-€1.8m▲ 19.3%-€84,010▲ 95.2%
Net result-€1.0mbelow the sector's middle half▼ 91.9%-€2.0mbelow the sector's middle half▼ 91.8%-€2.3mbelow the sector's middle half▼ 13.6%-€1.9mbelow the sector's middle half▲ 14.9%€89,400within the sector's middle half
Equity€733,604within the sector's middle half▲ 98.3%€878,210within the sector's middle half▲ 19.7%€911,198within the sector's middle half▲ 3.8%€314,934within the sector's middle half▼ 65.4%€404,334within the sector's middle half▲ 28.4%
Total assets€1.8mwithin the sector's middle half▲ 99.2%€3.6mwithin the sector's middle half▲ 102%€3.8mwithin the sector's middle half▲ 5.0%€7.1mwithin the sector's middle half▲ 88.5%€10.2mabove the sector's middle half▲ 43.1%
Debt€1.1m▲ 99.8%€2.7m▲ 160%€2.9m▲ 5.4%€6.8m▲ 137%€9.8m▲ 43.7%
Working capital€380,468above the sector's middle half▲ 235%€840,160within the sector's middle half▲ 121%€902,557above the sector's middle half▲ 7.4%€721,407within the sector's middle half▼ 20.1%€93,269within the sector's middle half▼ 87.1%
Solvency41.1%within the sector's middle half▼ 0.2pp24.3%within the sector's middle half▼ 16.8pp24.0%below the sector's middle half▼ 0.3pp4.4%below the sector's middle half▼ 19.6pp4.0%below the sector's middle half▼ 0.5pp
Current ratio1.48within the sector's middle half▲ 0.161.48within the sector's middle half=1.51within the sector's middle half▲ 0.031.38within the sector's middle half▼ 0.131.04within the sector's middle half▼ 0.34
Return on assets (ROA)-58.0%below the sector's middle half▲ 2.2pp-55.0%below the sector's middle half▲ 3.0pp-59.5%below the sector's middle half▼ 4.5pp-26.9%below the sector's middle half▲ 32.6pp0.9%within the sector's middle half▲ 27.7pp
Staff (FTE)24.7above the sector's middle half▲ 45.3%31.3▲ 26.7%38▲ 21.4%49above the sector's middle half▲ 28.9%54.8▲ 11.8%
above
within
below
the middle half (P25 to P75) of NACE 65, Insurance, reinsurance and pension funding, except compulsory social security, each year against the same schema; no band under 30 filings.
Why a figure moved sharply
- 2022 Total assets +102% on 2021. Capital increase of €1,200,010 (Official Gazette 08-07-2022). Capital increase of €1,001,100 (Official Gazette 11-02-2022).
- 2021 Net result -92% on 2020. The accounts now follow the full schema, last year the micro schema.
- 2021 Equity +98%, Total assets +99% on 2020. Capital increase of €364,000 (Official Gazette 29-04-2021).
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €84,010 in 2025 against €1.8m in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.2m
Fixed assets
€7.6m ▲ 67.4%
Current assets
€2.7m ▲ 1.1%
Equity and liabilities €10.2m
Equity
€404,334 ▲ 28.4%
Debt
€9.8m ▲ 43.7%
Debt's share of the balance-sheet total rises from 95.6% to 96.0%. Equity and debt are higher.
Key figures and ratios
ROE
22.1%▲
2024 · -609.6%
Debt ≤ 1 year
€2.6m▲
2024 · €1.9m
Debt > 1 year
€7.2m▲
2024 · €4.9m
Income taxes
€4,236▲
2024 · €1,409
Staff costs
€3.3m▲
2024 · €2.9m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | - | - | - | €6.6m | - |
| Turnover70 | - | - | - | - | €5.8m | - |
| Own construction capitalised72 | - | - | - | - | €319,530 | - |
| Other operating income74 | - | - | - | - | €414,393 | - |
| Operating charges60/66A | - | - | - | - | €6.7m | - |
| Goods for resale, raw materials and consumables60 | - | - | - | - | €387,699 | - |
| Purchases600/8 | - | - | - | - | €387,699 | - |
| Services and other goods61 | - | - | - | - | €2.4m | - |
| Remuneration, social security and pensions62 | €1.1m | €1.8m | €2.4m | €2.9m | €3.3m | ▲ 15.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €163,491 | €230,231 | €332,832 | €408,019 | €509,393 | ▲ 24.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €5,584 | -€865 | -€4,718 | €3,173 | €2,838 | ▼ 10.5% |
| Other operating charges640/8 | €6,526 | €3,467 | €8,325 | €7,000 | €35,770 | ▲ 411% |
| Gross operating margin9900 | €292,684 | €52,356 | €582,011 | €1.5m | - | - |
| Operating profit (loss)9901 | -€1.0m | -€1.9m | -€2.2m | -€1.8m | -€84,010 | ▲ 95.2% |
| Financial income75/76B | €8,735 | €1,077 | €125 | €670 | €506,684 | ▲ 75,510% |
| Recurring financial income75 | €8,735 | €1,077 | €125 | €670 | €506,684 | ▲ 75,510% |
| Income from financial fixed assets750 | - | - | - | - | €500,000 | - |
| Income from current assets751 | - | - | - | - | €6,589 | - |
| Other financial income752/9 | - | - | - | - | €95 | - |
| Financial charges65/66B | €33,767 | €45,433 | €65,003 | €151,512 | €329,038 | ▲ 117% |
| Recurring financial charges65 | €33,767 | €45,433 | €65,003 | €151,512 | €329,038 | ▲ 117% |
| Debt charges650 | - | - | - | - | €282,490 | - |
| Other financial charges652/9 | - | - | - | - | €46,548 | - |
| Profit (loss) for the period before taxes9903 | -€1.0m | -€2.0m | -€2.3m | -€1.9m | €93,637 | ▲ 105% |
| Income taxes67/77 | €423 | €1,132 | €1,724 | €1,409 | €4,236 | ▲ 201% |
| Taxes670/3 | - | - | - | - | €4,236 | - |
| Profit (loss) for the period9904 | -€1.0m | -€2.0m | -€2.3m | -€1.9m | €89,400 | ▲ 105% |
| Profit (loss) for the period to be appropriated9905 | -€1.0m | -€2.0m | -€2.3m | -€1.9m | €89,400 | ▲ 105% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.8m | €3.6m | €3.8m | €7.1m | €10.2m | ▲ 43.1% |
| Fixed assets21/28 | €615,518 | €1.0m | €1.1m | €4.5m | €7.6m | ▲ 67.4% |
| Intangible fixed assets21 | €590,019 | €852,405 | €980,970 | €1.3m | €1.3m | ▼ 2.2% |
| Tangible fixed assets22/27 | €25,136 | €162,677 | €148,974 | €147,842 | €152,276 | ▲ 3.0% |
| Furniture and vehicles24 | €25,136 | €55,119 | €54,585 | €61,990 | €68,726 | ▲ 10.9% |
| Other tangible fixed assets26 | - | €107,557 | €94,388 | €85,852 | €83,550 | ▼ 2.7% |
| Financial fixed assets28 | €363 | €363 | €363 | €3.0m | €6.1m | ▲ 101% |
| Affiliated companies280/1 | - | - | - | - | €6.1m | - |
| Participating interests280 | - | - | - | - | €5.8m | - |
| Amounts receivable281 | - | - | - | - | €350,000 | - |
| Other financial fixed assets284/8 | - | - | - | - | €363 | - |
| Amounts receivable and cash guarantees285/8 | - | - | - | - | €363 | - |
| Current assets29/58 | €1.2m | €2.6m | €2.7m | €2.6m | €2.7m | ▲ 1.1% |
| Amounts receivable within one year40/41 | €597,652 | €693,055 | €1.1m | €1.5m | €1.8m | ▲ 19.8% |
| Trade receivables40 | €597,652 | €692,883 | €1.1m | €1.5m | €1.8m | ▲ 23.1% |
| Other amounts receivable41 | - | €171 | €359 | €40,576 | €1,008 | ▼ 97.5% |
| Cash at bank and in hand54/58 | €566,851 | €1.9m | €1.5m | €1.1m | €739,901 | ▼ 31.2% |
| Deferred charges and accrued income490/1 | €6,046 | €9,306 | €37,746 | €53,503 | €120,741 | ▲ 126% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.8m | €3.6m | €3.8m | €7.1m | €10.2m | ▲ 43.1% |
| Equity10/15 | €733,604 | €878,210 | €911,198 | €314,934 | €404,334 | ▲ 28.4% |
| Contributions10/11 | €3.9m | €6.0m | €8.3m | €9.6m | €9.6m | = |
| Capital10 | €3.9m | €6.0m | €8.3m | €9.6m | €9.6m | = |
| Issued capital100 | €3.9m | €7.1m | €9.1m | €9.6m | €9.6m | = |
| Uncalled capital101 | - | €1.1m | €823,463 | - | - | - |
| Profit (loss) carried forward14 | -€3.2m | -€5.2m | -€7.4m | -€9.3m | -€9.2m | ▲ 1.0% |
| Amounts payable17/49 | €1.1m | €2.7m | €2.9m | €6.8m | €9.8m | ▲ 43.7% |
| Amounts payable after more than one year17 | €237,843 | €977,394 | €1.1m | €4.9m | €7.2m | ▲ 46.1% |
| Financial debts170/4 | €237,843 | €977,394 | €1.1m | €4.9m | €7.2m | ▲ 46.1% |
| Credit institutions173 | - | - | - | - | €7.0m | - |
| Other loans174 | - | - | - | - | €148,687 | - |
| Amounts payable within one year42/48 | €790,082 | €1.8m | €1.8m | €1.9m | €2.6m | ▲ 34.5% |
| Current portion of amounts payable after more than one year42 | €132,815 | €202,116 | €205,728 | €676,542 | €979,900 | ▲ 44.8% |
| Trade debts44 | €133,151 | €248,152 | €150,303 | €143,773 | €449,918 | ▲ 213% |
| Suppliers440/4 | €133,151 | €248,152 | €150,303 | €143,773 | €449,918 | ▲ 213% |
| Advances received on contracts in progress46 | - | - | - | €500 | - | - |
| Taxes, remuneration and social security45 | €146,095 | €299,757 | €368,378 | €428,985 | €340,657 | ▼ 20.6% |
| Taxes450/3 | €47,709 | €64,747 | €47,926 | €44,500 | €14,413 | ▼ 67.6% |
| Remuneration and social security454/9 | €98,386 | €235,011 | €320,452 | €384,484 | €326,244 | ▼ 15.1% |
| Other amounts payable47/48 | €378,020 | €1.0m | €1.0m | €656,613 | €793,181 | ▲ 20.8% |
| Accrued charges and deferred income492/3 | €24,539 | - | - | €2,500 | €62,500 | ▲ 2,400% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1.0m | -€2.0m | -€2.3m | -€1.9m | €89,400 | ▲ 105% |
| + Depreciation and write-downs630 | €163,491 | €230,231 | €332,832 | €408,019 | €509,393 | ▲ 24.8% |
| Operating cash flow (approximation) | -€872,127 | -€1.8m | -€1.9m | -€1.5m | €598,793 | ▲ 140% |
| Investment in fixed assets (approximation) | - | -€630,157 | -€447,695 | -€3.8m | -€3.6m | ▲ 6.3% |
| Change in cash | - | €1.3m | -€385,005 | -€433,016 | -€335,163 | ▲ 22.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-09
State Gazette act
Resignations: Jacques Galloy, Alexis le Hodey and Nicolas DebrayPermanent representative: François le Hodey · Reappointment: Nicolas Debray (director) · Appointment: Guiriden SRL (director)10 facts ▸
State Gazette act
Resignations: Jacques Galloy, Alexis le Hodey and Nicolas Debray
Permanent representative: François le Hodey · Reappointment: Nicolas Debray (director) · Appointment: Guiriden SRL (director)10 facts ▸
- General meeting, 30-06-2026
- Director resignation, Jacques Galloy (director)
- Director resignation, Alexis le Hodey (director)
- Director resignation, Nicolas Debray (director)
- Director resignation, Jacques Galloy (director)
- Director resignation, Alexis le Hodey (director)
- Permanent representative, François le Hodey (permanent representative)
- Declaration, acceptation du mandat
- Director reappointment, Nicolas Debray (director)
- Director appointment, Guiriden SRL (director)
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · consolidated
26-03
State Gazette act
Appointments: Anthony Belpaire, François le Hodey and 2 othersResignations: IPM Group, Tanguy Bocquet and 3 others · Permanent representatives: Hugues Bocquet and Tanguy Bocquet · Power of attorney15 facts ▸
State Gazette act
Appointments: Anthony Belpaire, François le Hodey and 2 others
Resignations: IPM Group, Tanguy Bocquet and 3 others · Permanent representatives: Hugues Bocquet and Tanguy Bocquet · Power of attorney15 facts ▸
- General meeting, 30/06/2022
- Director appointment, Anthony Belpaire (director)
- Board meeting, 15/12/2025
- Director resignation, IPM Group (director)
- Director resignation, Tanguy Bocquet (director)
- Director resignation, Hugues Bocquet (director)
- Director appointment, François le Hodey (director)
- Director appointment, Altisio Partners (director)
- Permanent representative, Hugues Bocquet
- Director appointment, DIA Group (director)
- Permanent representative, Tanguy Bocquet
- Board meeting, 31/12/2025
- +3 further facts in this act
2025
31-12
Financial
Back to profitnet €89,400
Net result €89,400 after 7 loss-making years.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · consolidated
06-01
State Gazette act
Capital & shares · Statutes amendmentCapital increase · Bank account · Capital7 facts ▸
State Gazette act
Capital & shares · Statutes amendment
Capital increase · Bank account · Capital7 facts ▸
- General meeting, 31/12/2024
- Capital increase, €500.005
- Bank account, BE24 0019 9538 1138
- Capital, €9.642.724,4
- Share issue, droits de souscription (warrants), 36029
- Statutes amendment
- Power of attorney, YAGO
2024
07-08
State Gazette act
Reappointment: RSM InterAudit (statutory auditor)Permanent representative: Marie Delacroix · Mandate compensation4 facts ▸
State Gazette act
Reappointment: RSM InterAudit (statutory auditor)
Permanent representative: Marie Delacroix · Mandate compensation4 facts ▸
- General meeting, 21-05-2024
- Auditor reappointment, RSM InterAudit
- Permanent representative, Marie Delacroix
- Mandate compensation, RSM InterAudit
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet -€2.3m
Net result drops to -€2.3m, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
Show earlier events
10-03
State Gazette act
Capital & shares · Statutes amendmentCapital increase · Capital · Power of attorney7 facts ▸
State Gazette act
Capital & shares · Statutes amendment
Capital increase · Capital · Power of attorney7 facts ▸
- General meeting, 27-12-2022
- Capital increase, €1.999.998
- Capital, €7.142.712
- Statutes amendment
- Power of attorney
- Capital increase payment, 868.529,67 EUR
- Share transfer restriction, Les cessions d'actions sont soumises à des restrictions prévues dans une convention d'actionnaires conclue le 17 janvier 2020
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
08-07
State Gazette act
Capital & shares · Statutes amendment · Resignations & appointmentsShare issue · Capital increase · Name change7 facts ▸
State Gazette act
Capital & shares · Statutes amendment · Resignations & appointments
Share issue · Capital increase · Name change7 facts ▸
- General meeting, 25-05-2022
- Share issue, 25-05-2022
- Capital increase, €1.200.010
- Name change, YAGO
- Capital, €5.142.714
- Statutes amendment
- Power of attorney, SÉRAPHIN
14-03
State Gazette act
Resignation: Xavier Lombard (director)Appointments: Tanguy Bocquet (managing director) and Hugues Bocquet (managing director)4 facts ▸
State Gazette act
Resignation: Xavier Lombard (director)
Appointments: Tanguy Bocquet (managing director) and Hugues Bocquet (managing director)4 facts ▸
- Board meeting, 17-09-2021
- Director resignation, Xavier Lombard (director)
- Director appointment, Tanguy Bocquet (managing director)
- Director appointment, Hugues Bocquet (managing director)
11-02
State Gazette act
Capital & shares · Statutes amendmentBond conversion · Capital increase · Capital5 facts ▸
State Gazette act
Capital & shares · Statutes amendment
Bond conversion · Capital increase · Capital5 facts ▸
- General meeting, 10-12-2021
- Bond conversion, 25-06-2021, 1.001.100,00€
- Capital increase, €1.001.100
- Capital, €3.899.704
- Statutes amendment
13-01
State Gazette act
Appointment: RSM InterAudit (statutory auditor)Permanent representative: Marie Delacroix · Resignation: Xavier Lombard (managing director) · Purpose change9 facts ▸
State Gazette act
Appointment: RSM InterAudit (statutory auditor)
Permanent representative: Marie Delacroix · Resignation: Xavier Lombard (managing director) · Purpose change9 facts ▸
- General meeting, 29-10-2021
- Purpose change, Inclusion de l'octroi de prêts ou crédits ainsi que toute activité d'intermédiation en crédit hypothécaire et des conseils en investissement, et ajout d'un but…
- Statutes amendment
- Statutes amendment
- Capital, €2.898.604
- Auditor appointment, RSM InterAudit (statutory auditor)
- Permanent representative, Marie Delacroix (permanent representative)
- Director resignation, Xavier Lombard (managing director)
- Director discharge, Xavier Lombard
2021
31-12
Financial
Equity above €500,000Eq €733,604 ▲98.3%
Equity rises from €369,855 to €733,604.
19-08
State Gazette act
Capital & sharesShare issue · Power of attorney · Obligation interest rate9 facts ▸
State Gazette act
Capital & shares
Share issue · Power of attorney · Obligation interest rate9 facts ▸
- General meeting, 02-07-2021
- Share issue, Obligations C
- Power of attorney, Deux administrateurs agissant conjointement à désigner par le conseil d'administration
- Power of attorney, Conseil d'administration
- Obligation interest rate, 5% l'an payables à l'échéance de l'Obligation C, ou en cas de conversion, au jour de la conversion prorata temporis
- Obligation maturity, 29-04-2022
- Obligation subordination, L'obligation C est subordonnée
- Obligation restriction, Une Obligation C ne pourra être cédée, négociée, mise en gage ou grevée d'un droit d'usufruit
- Obligation conversion period
09-07
State Gazette act
Capital & shares · Statutes amendmentShare issue · Capital increase · Bank account5 facts ▸
State Gazette act
Capital & shares · Statutes amendment
Share issue · Capital increase · Bank account5 facts ▸
- General meeting, 23-06-2021
- Share issue, warrants, 10000
- Capital increase, €43.000
- Bank account, BNP PARIBAS FORTIS, BE26 0019 1000 0829
- Capital, €2.898.604
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
29-04
State Gazette act
Capital & sharesShare issue · Capital increase · Capital9 facts ▸
State Gazette act
Capital & shares
Share issue · Capital increase · Capital9 facts ▸
- General meeting, 17-01-2020
- Share issue, 70.000 droits de souscription (warrants) nominatifs
- Capital increase, €364.000
- Capital, €2.855.604
- Bank account, Banque BNP PARIBAS FORTIS, BE70 0019 0301 6425
- Power of attorney, Xavier LOMBARD
- Power of attorney, Les comparants
- Power of attorney, Catherine HATERT
- Dividend rights, chaque action nouvelle souscrite en suite de l'exercice d'un droit de souscription bénéficiera des mêmes droits que les actions existantes et aura droit au divi…
2020
31-12
Financial
Liquidity triplescurrent ratio 1.32
Current ratio from 0.51 to 1.32; short-term debt falls from €482,629 to €354,427.
31-12
Financial
Equity above €200,000Eq €369,855
Equity rises from -€234,417 to €369,855.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
18-03
State Gazette act
Resignations: IPM Group, Baudouin van MALE de GHORAIN and 6 othersAppointments: IPM Group, Baudouin van MALE de GHORAIN and 6 others · Permanent representative: François le HODEY · Capital increase35 facts ▸
State Gazette act
Resignations: IPM Group, Baudouin van MALE de GHORAIN and 6 others
Appointments: IPM Group, Baudouin van MALE de GHORAIN and 6 others · Permanent representative: François le HODEY · Capital increase35 facts ▸
- General meeting, 17-01-2020
- Capital increase, €1.137.604
- Share issue, actions de capital, 218770
- Bank account, BE93 0018 7677 2467
- Share issue, droits de souscription (warrants), 70000
- Share issue, droits de souscription (warrants), 60000
- Share issue, droits de souscription (warrants), 55000
- Registered-office move, Rue des Francs, 79, boîte 3, à 1040 Bruxelles
- Statutes amendment
- Director resignation, IPM Group (director)
- Director resignation, Baudouin van MALE de GHORAIN (director)
- Director resignation, Henri Yves Marie VILLEBRUN (director)
- +23 further facts in this act
16-03
State Gazette act
Capital & sharesCapital increase · Capital · Bank account3 facts ▸
State Gazette act
Capital & shares
Capital increase · Capital · Bank account3 facts ▸
- Capital increase, €15.000
- Capital, €1.354.000
- Bank account, Banque BNP PARIBAS FORTIS
2019
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 55 days late
2017
02-08
State Gazette act
Resignations: Henri VILLEBRUN, Jacques GALLOY and 2 othersAppointments: Henri VILLEBRUN, Jacques GALLOY and 6 others · Permanent representatives: Vincent BÉCKER and François le Hodey · Capital increase24 facts ▸
State Gazette act
Resignations: Henri VILLEBRUN, Jacques GALLOY and 2 others
Appointments: Henri VILLEBRUN, Jacques GALLOY and 6 others · Permanent representatives: Vincent BÉCKER and François le Hodey · Capital increase24 facts ▸
- Capital increase, €989.000
- Share issue, actions de capital, 230000
- Statutes amendment
- Capital, €1.339.000
- Share issue, droits de souscription
- Statutes amendment
- Director resignation, Henri VILLEBRUN (director)
- Director resignation, Jacques GALLOY (director)
- Director resignation, Tanguy BOCQUET (director)
- Director resignation, Xavier LOMBARD (director)
- Director appointment, Henri VILLEBRUN (director)
- Director appointment, Jacques GALLOY (director)
- +12 further facts in this act
14-07
State Gazette act
MiscellaneousShare issue1 fact ▸
State Gazette act
Miscellaneous
Share issue1 fact ▸
- Share issue, droits de souscription
2016
01-12
State Gazette act
Capital & shares · Statutes amendmentCapital increase · Share issue · Bank account7 facts ▸
State Gazette act
Capital & shares · Statutes amendment
Capital increase · Share issue · Bank account7 facts ▸
- Capital increase, €170.000
- Share issue, 170000, 1.00
- Bank account, BNP PARIBAS FORTIS, BE13 0017 9854 8839
- Capital, €350.000
- Statutes amendment
- Power of attorney, Catherine HATERT
- Power of attorney, Séraphin
18-05
State Gazette act
Capital & shares · Statutes amendmentCapital increase · Bank account · Capital7 facts ▸
State Gazette act
Capital & shares · Statutes amendment
Capital increase · Bank account · Capital7 facts ▸
- General meeting, 19-04-2016
- Capital increase, €110.000
- Bank account, BNP PARIBAS FORTIS, BE46 0017 8227 1936
- Capital, €180.000
- Statutes amendment
- Power of attorney, Catherine HATERT
- Power of attorney, Séraphin
2015
24-11
State Gazette act
Appointments: 1-Consell SPRL (directeur gestion des risques) and Aiphaxis SPRL (managing director)3 facts ▸
State Gazette act
Appointments: 1-Consell SPRL (directeur gestion des risques) and Aiphaxis SPRL (managing director)
3 facts ▸
- Board meeting, 12-04-2015
- Director appointment, 1-Consell SPRL (directeur gestion des risques)
- Director appointment, Aiphaxis SPRL (managing director)
07-10
State Gazette act
IncorporationAppointments: LOMBARD Xavier Paul Marie, VILLEBRUN Henri Yves Marie and 3 others · Founding capital · Founder19 facts ▸
State Gazette act
Incorporation
Appointments: LOMBARD Xavier Paul Marie, VILLEBRUN Henri Yves Marie and 3 others · Founding capital · Founder19 facts ▸
- Incorporation, 02-10-2015
- Founding capital, €70.000
- Founder, LOMBARD Xavier Paul Marie
- Founder, BOCQUET Tanguy Christian Marie Ghislain
- Director appointment, LOMBARD Xavier Paul Marie (director)
- Director appointment, VILLEBRUN Henri Yves Marie (director)
- Director appointment, GALLOY Jacques Roger Auguste (director)
- Director appointment, BOCQUET Tanguy Christian Marie Ghislain (director)
- Mandate compensation, LOMBARD Xavier Paul Marie
- Mandate compensation, VILLEBRUN Henri Yves Marie
- Mandate compensation, GALLOY Jacques Roger Auguste
- Mandate compensation, BOCQUET Tanguy Christian Marie Ghislain
- +7 further facts in this act
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
20 of 20 acts read
Directors · office · real estate
Directors
5 directors, no change since 2026
Board 5
Altisio Partners
CurrentDirector · since 15-12-2025 · Private limited company · perm. rep.: Hugues Bocquet
DIA Group
CurrentDirector · since 15-12-2025 · Private limited company · perm. rep.: Tanguy Bocquet
François le Hodey
CurrentDirector · since 15-12-2025
GUIRIDEN
CurrentDirector · since 01-09-2026 · Private limited company · perm. rep.: François le Hodey
DEBRAY Nicolas Marc Ghislain
CurrentDirector
Day-to-day management 2
Aiphaxis SPRL
Not recently confirmedManaging director · since 12-04-2015 · Legal entity
ALPHAXIS
Not recently confirmedDaily management delegate · since 02-10-2015 · Private limited company
Permanent representatives 3
Hugues Bocquet
CurrentPermanent representative · since 15-12-2025 · for Altisio Partners
Tanguy Bocquet
CurrentPermanent representative · since 15-12-2025 · for DIA Group
François le Hodey
CurrentPermanent representative · since 01-09-2026 · for GUIRIDEN
Statutory auditor 1
RSM INTERAUDIT
CurrentAuditor · since 29-10-2021 · perm. rep.: Marie Delacroix
Other functions 1
1-Consell SPRL
Not recently confirmedDirecteur gestion des risques · since 12-04-2015 · Legal entity
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Location & real-estate footprint
Registered office, Etterbeek · 3 establishment units since 2015
Ground area
6,434 m²
Building footprint
3,972 m²
Volume, LiDAR
58,198 m³
3 parcels, Brussels, Wallonia · tallest building 22.8 m, ±5 floors. Linked by address, not a title deed.
57
companies at this address
See who is registered here
3 establishment units
Yago
since 20152.246.201.680
Stroobants & Co Assurances
since 20252.369.507.387
AML ASSUR
since 20252.388.303.316
3 parcels
Wallonia
2
(66.7%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21362B0225/00Z005 | Brussels | 3,610 m² | 1 · 3,528 m² | 22.8 m · 5 fl. |
| 25076G0025/00E000 | Wallonia | 2,075 m² | 1 · 235 m² | 8.3 m · 2 fl. |
| 25091E0473/00B000 | Wallonia | 749 m² | 1 · 209 m² | 9.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
20 people since 2015, 9 in office
- Board
- Day-to-day management
- Statutory auditor
- Other function
- not recently confirmed
- began earlier
| Name | Functions and periods |
|---|---|
| DEBRAY Nicolas Marc Ghislain |
|
| Altisio Partners |
|
| DIA Group |
|
| François le Hodey |
|
| GUIRIDEN |
|
| RSM INTERAUDIT |
|
| Aiphaxis SPRL |
|
| ALPHAXIS |
|
| 1-Consell SPRL |
|
| Alexis le HODEY |
|
| GALLOY Jacques |
|
| Baudouin van Male de Ghorain |
|
| BOCQUET Tanguy Christian Marie Ghislain |
|
| Hugues BOCQUET |
|
| IPM Group |
|
| Anthony Belpaire |
|
| LOMBARD Xavier Paul Marie |
|
| Thomas VANDERSTRAETEN |
|
| VILLEBRUN Henri Yves Marie |
|
| I-STRATEGY |
|
Articles of association
Purpose
La société a pour objet, tant en Belgique qu’à l’étranger, l’exercice des activités suivantes... a) le courtage et le conseil en assurance ; b) le conseil ou la mise en œuvre de…
Full purpose
La société a pour objet, tant en Belgique qu’à l’étranger, l’exercice des activités suivantes... a) le courtage et le conseil en assurance ; b) le conseil ou la mise en œuvre de projets et de produits en matière d’assurance et de courtage d’assurance ; c) la réalisation ou l’achat de systèmes de logiciels... d) le conseil ou la mise en œuvre de projets et de produits en matière de recherche et développement... e) la coordination en Belgique et à l'étranger de manifestations... f) l’acquisition, l’aliénation, l'échange et la détention... de toutes valeurs mobilières... g) l'administration, la supervision ou le contrôle de toute société ou entreprise... h) la fourniture de tout service ou support de nature administrative... i) la réalisation de tous investissements et opérations ou services financiers... j) la réalisation de toutes opérations de mécénat... k) l’octroi de prêts ou crédits ainsi que toute activité d'intermédiation en crédit hypothécaire et des conseils en investissement. Un des buts de la Société est d’avoir un impact positif significatif sur la société et l’environnement...
Structure & network
Owners and holdings
2 owners · 2 holdingsOwners 2
-
39.35%
-
11.78%
Holdings 2
-
100%
-
100%
According to the 2025 annual accounts of YAGO and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
17 connected companiesThis company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Linked via shared directors
LA PRESSE.be-ALLIANCE DES MEDIAS D'INFORMATION
via François le Hodey · Membre du collège
→
MEDIASCAP
via François le Hodey · Permanent representative
→
Show 13 more companies with a shared director
AUDIOPRESSE
via François le Hodey · Director
former→
Centre scolaire Saint-Michel
via François le Hodey · Director
former→
Education Saint Michel
via François le Hodey · Director
former→
n-Side
via François le Hodey · Chair of the board
former→
SEMETIS
via DEBRAY Nicolas Marc Ghislain · Director
former→
CinemaNext
Shared director
→
EVS BROADCAST EQUIPMENT
Shared director
→
HYDRALIS
Shared director
→
NOSHAQ
Shared director
→
NOSHAQ EUROPE 3
Shared director
→
TRASIS
Shared director
→
B en M
Shared corporate director
→
SAGEVAS
Shared corporate director
→
Capital and shareholders
Shareholders according to the acts
After the capital increase
act of 16-03-2020 ↗
- IPM Group 15,000 shares · 15,000 EUR
After the capital increase
act of 18-05-2016 ↗
- VILLEBRUN Henri 17,050 shares
- GALLOY Jacques 8,525 shares
- BOCQUET Tanguy 4,000 shares
- LOMBARD Xavier 70,625 shares
- BECKER Vincent Michel Daniel 9,800 shares
At incorporation
act of 07-10-2015 ↗
- LOMBARD Xavier Paul Marie founder
- BOCQUET Tanguy Christian Marie Ghislain founder
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
Capital over the years
- 06-01-2025 Capital increase of 500,005 EUR · to 9,642,724.40 EUR · 90,910 new shares · in cash
- 10-03-2023 Capital increase of 1,999,998 EUR · to 7,142,712 EUR · 285,714 new shares
- 08-07-2022 Capital increase of 1,200,010 EUR · to 5,142,714 EUR · 171,430 new shares
- 11-02-2022 Capital increase of 1,001,100 EUR · to 3,899,704 EUR · 213,000 new shares
- 13-01-2022 Capital stated in the act · 2,898,604 EUR · 893,770 shares
- 09-07-2021 Capital increase of 43,000 EUR · to 2,898,604 EUR · 10,000 new shares
- 29-04-2021 Capital increase of 364,000 EUR · to 2,855,604 EUR · 70,000 new shares
- 18-03-2020 Capital increase of 1,137,604 EUR · to 2,491,604 EUR · 218,770 new shares
Show 5 older capital entries
- 16-03-2020 Capital increase of 15,000 EUR · to 1,354,000 EUR · 15,000 new shares
- 02-08-2017 Capital increase of 989,000 EUR · to 1,339,000 EUR · 230,000 new shares · in cash
- 01-12-2016 Capital increase of 170,000 EUR · to 350,000 EUR · 170,000 new shares · in cash
- 18-05-2016 Capital increase of 110,000 EUR · to 180,000 EUR · 110,000 new shares
- 07-10-2015 Incorporation · 70,000 EUR · 70,000 shares
Recognitions · licences · registrations
Legal Entity Identifier
2549008JWPVE0UBNQK05
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Of 118 companies in sector 65121 we hold annual accounts for 34. 24 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded05-10-2015
Fiscal year end31-12
Activities, NACEBEL 2025
65121Insurance, reinsurance and pension funding, except compulsory social security
66220Insurance agents and brokers
58290Other software publishing
Contact
E-mail
comptabilite@yago.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0639926420
Also
9925:BE0639926420
Registered
23-06-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.