YBRU
ActiveYBRU has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.31M and a net result of €1.18M. Equity is growing by ~74.2% per year across the filed fiscal years. Its solvency ranks better than 71% of 271 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▼-2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 1.91 against 5.32 in 2024), and 34.4% 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 · 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
65.6%
Return on assets
59.5%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
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 28-04-2026, 94 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
94 d early
2024
1 d early
2023
5 d early
2022
21 d early
2021
20 d early
2020
8 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.31M▲ 57.8%
2024 · €828k
2020: €90k
2021: €122k
2022: €278k
2023: €557k
2024: €828k
2020 → 2025
Total assets
€1.99M▲ 111%
2024 · €944k
2020: €206k
2021: €230k
2022: €320k
2023: €658k
2024: €944k
2020 → 2025
Net result
€1.18M▲ 67.8%
2024 · €706k
2020: €89k
2021: €32k
2022: €158k
2023: €435k
2024: €706k
2020 → 2025
Working capital
€619k▲ 23.2%
2024 · €503k
2020: €4k
2021: €54k
2022: €225k
2023: €516k
2024: €503k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€122k-€278k▲ 128%€557k▲ 100%€828k▲ 48.7%€1.31M▲ 57.8%
Operating result€48k-€211k▲ 338%€576k▲ 173%€940k▲ 63.1%€1.57M▲ 67.4%
Net result€32k-€158k▲ 390%€435k▲ 176%€706k▲ 62.4%€1.18M▲ 67.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 67% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.99M
Fixed assets
€687k▲ 111%
Current assets
€1.30M▲ 111%
Equity and liabilities €1.99M
Equity
€1.31M▲ 57.8%
Debt
€685k▲ 488%
The debt ratio rises from 12.3% to 34.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€1.62M▲
2024 · €1.00M
Cash flow
€1.23M▲
2024 · €766k
Solvency
65.6%▼
2024 · 87.7%
Current ratio
1.91▼
2024 · 5.32
Quick ratio
1.91▼
2024 · 5.32
Debt / equity
0.52▲
2024 · 0.14
ROE
90.7%▲
2024 · 85.3%
ROA
59.5%▼
2024 · 74.7%
Interest coverage
659.96▲
2024 · 152.16
Debt
€685k▲
2024 · €116k
Debt ≤ 1 year
€684k▲
2024 · €116k
Income taxes
€392k▲
2024 · €233k
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€944k€1.99M▲
Fixed assets21/28€325k€687k▲
Tangible fixed assets22/27€325k€687k▲
Land and buildings22€306k€600k▲
Furniture and vehicles24€19k€87k▲
Current assets29/58€619k€1.30M▲
Amounts receivable after more than one year29€20k€20k=
Other amounts receivable291€20k€20k=
Amounts receivable within one year40/41€106k€829k▲
Trade receivables40€82k€802k▲
Other amounts receivable41€24k€27k▲
Current investments50/53€150k-
Cash at bank and in hand54/58€340k€455k▲
Deferred charges and accrued income490/1€4k-
Equity and liabilities
Total equity and liabilities10/49€944k€1.99M▲
Equity10/15€828k€1.31M▲
Contributions10/11€2k€2k=
Reserves13€826k€1.30M▲
Distributable reserves133€826k€1.30M▲
Amounts payable17/49€116k€685k▲
Amounts payable within one year42/48€116k€684k▲
Trade debts44€7k€1k▼
Suppliers440/4€7k€1k▼
Taxes, remuneration and social security45€83k€247k▲
Taxes450/3€83k€247k▲
Other amounts payable47/48€26k€436k▲
Accrued charges and deferred income492/3-€646
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€61k€43k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€1.00M€1.62M▲
Operating profit (loss)9901€940k€1.57M▲
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€7k€2k▼
Recurring financial charges65€7k€2k▼
Profit (loss) for the period before taxes9903€939k€1.58M▲
Income taxes67/77€233k€392k▲
Profit (loss) for the period9904€706k€1.18M▲
Profit (loss) for the period to be appropriated9905€706k€1.18M▲
Appropriation of the result
Profit (loss) to be appropriated9906€706k€1.18M▲
Transfer from equity791/2€435k€706k▲
Transfer to equity691/2€706k€1.18M▲
To other reserves6921€706k€1.18M▲
Profit to be distributed694/7€435k€706k▲
Return on contributions (dividend)694€435k€706k▲
The notes to these accounts (7 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2020net €1.18M ▲67.8%
Operating result €1.57M, net result €1.18M, both a record.
31-12
Financial
Equity above €1MEq €1.31M ▲57.8%
6 profitable years in a row build equity to €1.31M.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €500kEq €557k ▲100%
4 profitable years in a row build equity to €557k.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 5current ratio 8.98
Current ratio from 1.69 to 8.98; short-term debt falls from €78k to €28k.
31-12
Financial
Equity above €200kEq €278k ▲128%
3 profitable years in a row build equity to €278k.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €32k ▼64.1%
Net result drops to €32k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €122k ▲35.8%
2 profitable years in a row build equity to €122k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Kalmthout · 1 establishment unit since 2019
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.
Putsesteenweg (Dp) 222920 KalmthoutGround area
2,638 m²
Building footprint
199 m²
Volume, LiDAR
742 m³
Parcel 11022G0892/00K019, Flanders · tallest building 7.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
YBRU
since 20192.290.918.086
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022G0892/00K019 | Flanders | 2,638 m² | 1 · 198 m² | 7.7 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400K0OKTCY0HSGO33
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Roeselare · Eq €1.35M
Of 1,594 companies in sector 16230 we hold annual accounts for 777. 378 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-07-2019
Fiscal year end31-12
Activities, NACEBEL
16230Manufacture of other builders' carpentry and joinery
41001General construction of residential buildings
41003General construction of other non-residential buildings
43320Joinery installation
43990Other specialised construction activities
43999Specialised construction activities
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.