YAMA architects
ActiveYAMA architects has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €-9k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 33% of 9430 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-15
Solvency60▼-6
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.0 in 2024; short-term debt: 60.4% and cash: 34.6% of total assets), and 64.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
35.2%
Return on assets
-9.4%
Age of the figures
15 mo
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 05-12-2025, 57 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
57 d early
2024
3 d early
2023
5 d early
2022
8 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 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▼ 21.1%
2024 · €44k
2022: €39k
2023: €41k
2024: €44k
2022 → 2025
Total assets
€98k▼ 8.2%
2024 · €107k
2022: €129k
2023: €124k
2024: €107k
2022 → 2025
Net result
€-9k
2024 · €3k
2022: €38k
2023: €2k
2024: €3k
2022 → 2025
Working capital
€8k
2024 · €-148
2022: €6k
2023: €-5k
2024: €-148
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€39k-€41k▲ 4.3%€44k▲ 6.7%€35k▼ 21.1%
Operating result€55k-€3k▼ 94.6%€4k▲ 32.7%€-7k
Net result€38k-€2k▼ 95.6%€3k▲ 62.1%€-9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7k after €4k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98k
Fixed assets
€31k▼ 39.2%
Current assets
€67k▲ 19.9%
Equity and liabilities €98k
Equity
€35k▼ 21.1%
Debt
€64k▲ 0.7%
The debt ratio rises from 59.0% to 64.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€17k▼
2024 · €28k
Cash flow
€15k▼
2024 · €27k
Solvency
35.2%▼
2024 · 41.0%
Current ratio
1.13▲
2024 · 1.00
Quick ratio
1.13▲
2024 · 1.00
Debt / equity
1.84▲
2024 · 1.44
ROE
-26.8%▼
2024 · 6.2%
ROA
-9.4%▼
2024 · 2.6%
Interest coverage
8.11▼
2024 · 37.12
Debt
€64k▲
2024 · €63k
Debt ≤ 1 year
€59k▲
2024 · €56k
Debt > 1 year
€0▼
2024 · €7k
Income taxes
€283▼
2024 · €441
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€107k€98k▼
Fixed assets21/28€51k€31k▼
Tangible fixed assets22/27€49k€29k▼
Furniture and vehicles24€9k€6k▼
Leasing and similar rights25€33k€18k▼
Other tangible fixed assets26€7k€5k▼
Financial fixed assets28€2k€2k=
Current assets29/58€56k€67k▲
Stocks and contracts in progress3€0-
Contracts in progress37€0-
Amounts receivable within one year40/41€15k€19k▲
Trade receivables40€11k€19k▲
Other amounts receivable41€4k€74▼
Cash at bank and in hand54/58€36k€34k▼
Deferred charges and accrued income490/1€5k€14k▲
Equity and liabilities
Total equity and liabilities10/49€107k€98k▼
Equity10/15€44k€35k▼
Contributions10/11€1k€1k=
Reserves13€43k€43k=
Distributable reserves133€43k€43k=
Profit (loss) carried forward14-€-9k
Amounts payable17/49€63k€64k▲
Amounts payable after more than one year17€7k€0▼
Financial debts170/4€7k€0▼
Amounts payable within one year42/48€56k€59k▲
Current portion of amounts payable after more than one year42€17k€7k▼
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€0€2k▲
Remuneration and social security454/9€5k€5k=
Other amounts payable47/48€31k€41k▲
Accrued charges and deferred income492/3-€4k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€24k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€31k€19k▼
Operating profit (loss)9901€4k€-7k▼
Financial income75/76B€0€4▲
Recurring financial income75€0€4▲
Financial charges65/66B€767€2k▲
Recurring financial charges65€767€2k▲
Profit (loss) for the period before taxes9903€3k€-9k▼
Income taxes67/77€441€283▼
Profit (loss) for the period9904€3k€-9k▼
Profit (loss) for the period to be appropriated9905€3k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-9k▼
Transfer to equity691/2€3k€0▼
To other reserves6921€3k€0▼
The notes to these accounts (8 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
05-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet €-9k ▼438%
Net result drops to €-9k, the lowest in the series.
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-01
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Kruisem · 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.
Waregemsesteenweg(KRU) 157a9770 KruisemGround area
3,604 m²
Building footprint
883 m²
Volume, LiDAR
1,437 m³
2 parcels, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
YAMA architects
since 20202.308.362.052
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45017C1108/00A002 | Flanders | 2,122 m² | 1 · 597 m² | 7.7 m |
| 45017C1110/00R000 | Flanders | 1,482 m² | 1 · 286 m² | 8.1 m · 2 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.
Similar companies · same sector, comparable size
VANHEARLY Architecte
BE 0798.189.541
Ans · Eq €35k
ARCHITECTENBUREAU VAN HUFFEL
BE 0547.917.366
Gent · Eq €35k
Studio East
BE 0793.688.444
Vorst · Eq €35k
JORIS VINCENT ARCHITECTURE
BE 0567.949.648
Herve · Eq €35k
AVIDA
BE 0767.817.653
Dilbeek · Eq €35k
Of 18,254 companies in sector 71111 we hold annual accounts for 6,321. 5,058 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2020
Fiscal year end30-06
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.yamaarchitects.com
E-mail:info@yamaarchitects.com