YAM CONSULTING
ActiveYAM CONSULTING has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €52k. Its solvency ranks better than 21% of 16935 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
73
/ 100
Healthy▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency30▲+6
Growth22
Stability94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.15 in 2024), and 80.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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
19.9%
Return on assets
51.8%
Age of the figures
14 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 16935 sector peers (2025).
NBB · sector comparisonPosition among 16935 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 27-02-2026, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-07-2026 and is due by 28-02-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-07-2026 close16-09-2026 today28-02-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€169k▼ 49.2%
2024 · €333k
2024: €333k
2024 → 2025
EBIT margin
40.4%▼ 12.9pp
2024 · 53.3%
2024: 53.3%
2024 → 2025
Net result
€52k▼ 61.8%
2024 · €135k
2024: €135k
2024 → 2025
Working capital
€19k▼ 20.7%
2024 · €24k
2024: €24k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Turnover€333k-€169k▼ 49.2%
Equity€25k-€20k▼ 21.6%
Operating result€178k-€68k▼ 61.5%
Net result€135k-€52k▼ 61.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 62% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100k
Fixed assets
€418▼ 49.3%
Current assets
€99k▼ 46.2%
Equity and liabilities €100k
Equity
€20k▼ 21.6%
Debt
€80k▼ 50.1%
The debt ratio falls from 86.3% to 80.1%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€69k▼
2024 · €178k
Cash flow
€52k▼
2024 · €136k
Solvency
19.9%▲
2024 · 13.7%
Current ratio
1.24▲
2024 · 1.15
Quick ratio
1.24▲
2024 · 1.15
Debt / equity
4.02▼
2024 · 6.32
ROE
260.5%▼
2024 · 534.6%
ROA
51.8%▼
2024 · 73.0%
Interest coverage
46.55▼
2024 · 51.04
Debt
€80k▼
2024 · €160k
Debt ≤ 1 year
€80k▼
2024 · €160k
Income taxes
€15k▼
2024 · €39k
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€185k€100k▼
Fixed assets21/28€823€418▼
Tangible fixed assets22/27€823€418▼
Furniture and vehicles24€823€418▼
Current assets29/58€184k€99k▼
Amounts receivable within one year40/41€30k€35k▲
Trade receivables40€30k€35k▲
Other amounts receivable41€151€445▲
Cash at bank and in hand54/58€154k€64k▼
Equity and liabilities
Total equity and liabilities10/49€185k€100k▼
Equity10/15€25k€20k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€20k€15k▼
Amounts payable17/49€160k€80k▼
Amounts payable within one year42/48€160k€80k▼
Trade debts44€4k€3k▼
Suppliers440/4€2k€417▼
Bills of exchange payable441€2k€2k▲
Taxes, remuneration and social security45€73k€35k▼
Taxes450/3€73k€34k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€82k€42k▼
Income statement
Code20242025
Turnover70€333k€169k▼
Non-recurring operating income76A-€2k
Goods, raw materials, services and sundry goods60/61€155k€100k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€405€405=
Gross operating margin9900€178k€69k▼
Operating profit (loss)9901€178k€68k▼
Financial income75/76B-€11
Recurring financial income75-€11
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€174k€67k▼
Income taxes67/77€39k€15k▼
Profit (loss) for the period9904€135k€52k▼
Profit (loss) for the period to be appropriated9905€135k€52k▼
Appropriation of the result
Profit (loss) to be appropriated9906€135k€72k▼
Profit (loss) brought forward from the previous period14P-€20k
Profit to be distributed694/7€115k€57k▼
Return on contributions (dividend)694€115k€57k▼
The notes to these accounts (5 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
2025
27-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Zaventem · 1 establishment unit since 2023
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.
Sint-Stefaansstraat 81932 ZaventemGround area
4,927 m²
Building footprint
1,373 m²
Volume, LiDAR
45,306 m³
2 parcels, Brussels, Flanders · tallest building 38.8 m, ±12 floors. Linked by address, not a title deed.
1 establishment unit
YAM CONSULTING
since 20232.346.189.082
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21904B0098/00A003 | Brussels | 4,705 m² | 1 · 1,307 m² | 38.8 m · 12 fl. |
| 23078A0185/02M004 | Flanders | 221 m² | 1 · 66 m² | 12.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 16,813 companies in sector 62100 we hold annual accounts for 8,747. 5,764 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-06-2023
Fiscal year end31-07
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.