YDCom
ActiveYDCom has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €22k. Its solvency ranks better than 76% of 16989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+11
Growth52
Track record82
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.4 against 2.37 in 2024; short-term debt: 18.8% and cash: 11.2% of total assets), and 18.8% 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
81.2%
Return on assets
25.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
3 d late
2024
5 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€71k▲ 45.6%
2024 · €49k
2024: €49k
2024 → 2025
Total assets
€87k▲ 14.6%
2024 · €76k
2024: €76k
2024 → 2025
Net result
€22k▼ 49.2%
2024 · €44k
2024: €44k
2024 → 2025
Working capital
€56k▲ 47.4%
2024 · €38k
2024: €38k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€49k-€71k▲ 45.6%
Operating result€59k-€33k▼ 43.4%
Net result€44k-€22k▼ 49.2%
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 43% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €87k
Fixed assets
€15k▲ 39.4%
Current assets
€72k▲ 10.4%
Equity and liabilities €87k
Equity
€71k▲ 45.6%
Debt
€16k▼ 40.3%
The debt ratio falls from 36.1% to 18.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37k▼
2024 · €61k
Cash flow
€26k▼
2024 · €46k
Solvency
81.2%▲
2024 · 63.9%
Current ratio
4.40▲
2024 · 2.37
Quick ratio
4.40▲
2024 · 2.37
Debt / equity
0.23▼
2024 · 0.56
ROE
31.3%▼
2024 · 89.7%
ROA
25.4%▼
2024 · 57.4%
Interest coverage
28.00▼
2024 · 1275.61
Debt
€16k▼
2024 · €27k
Debt ≤ 1 year
€16k▼
2024 · €27k
Income taxes
€10k▼
2024 · €15k
Staff costs
€2k
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€76k€87k▲
Fixed assets21/28€11k€15k▲
Tangible fixed assets22/27€11k€15k▲
Land and buildings22€3k€2k▼
Plant, machinery and equipment23-€775
Furniture and vehicles24€8k€12k▲
Current assets29/58€65k€72k▲
Amounts receivable within one year40/41€13k€22k▲
Trade receivables40€12k€19k▲
Other amounts receivable41€621€3k▲
Current investments50/53-€40k
Cash at bank and in hand54/58€53k€10k▼
Deferred charges and accrued income490/1-€93
Equity and liabilities
Total equity and liabilities10/49€76k€87k▲
Equity10/15€49k€71k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€44k€66k▲
Amounts payable17/49€27k€16k▼
Amounts payable within one year42/48€27k€16k▼
Trade debts44€8k€3k▼
Suppliers440/4€8k€3k▼
Taxes, remuneration and social security45€19k€14k▼
Taxes450/3€19k€14k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€543€465▼
Gross operating margin9900€62k€39k▼
Operating profit (loss)9901€59k€33k▼
Financial income75/76B€19€40▲
Recurring financial income75€19€40▲
Financial charges65/66B€48€1k▲
Recurring financial charges65€48€1k▲
Profit (loss) for the period before taxes9903€59k€32k▼
Income taxes67/77€15k€10k▼
Profit (loss) for the period9904€44k€22k▼
Profit (loss) for the period to be appropriated9905€44k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€44k€66k▲
Profit (loss) brought forward from the previous period14P-€44k
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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Tournai · 1 establishment unit since 2024
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.
Boulevard du Roi Albert(TOU) 487500 TournaiGround area
647 m²
Building footprint
127 m²
Volume, LiDAR
1,378 m³
Parcel 57081I1248/00_000, Wallonia · tallest building 13.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
YDCom
since 20242.359.929.133
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57081I1248/00_000 | Wallonia | 647 m² | 1 · 127 m² | 13.3 m · 4 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.
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,392. 15,544 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-2024
Fiscal year end31-12
Activities, NACEBEL
62030Computer programming, consultancy and related activities
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.