Summary
YEMANI 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 €222k and a net result of €75k. Equity is growing by ~34.7% per year across the filed fiscal years. Its solvency ranks better than 35% of 5527 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 health 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
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
25 d late
2023
14 d late
2022
31 d late
2021
78 d late
2020
73 d late
2019
91 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€222k▼ 42.9%
2024 · €389k
2018: €-14k
2019: €-27k
2020: €75k
2021: €167k
2022: €254k
2023: €314k
2024: €389k
2018 → 2025
Net result
€75k▼ 0.4%
2024 · €75k
2018: €26k
2019: €-12k
2020: €102k
2021: €91k
2022: €87k
2023: €60k
2024: €75k
2018 → 2025
Total assets
€641k▲ 20.6%
2024 · €532k
2018: €47k
2019: €62k
2020: €259k
2021: €375k
2022: €767k
2023: €457k
2024: €532k
2018 → 2025
Solvency
34.7%▼ 38.5pp
2024 · 73.2%
2018: -30.8%
2019: -43.0%
2020: 29.1%
2021: 44.5%
2022: 33.1%
2023: 68.7%
2024: 73.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€167k-€254k▲ 52.2%€314k▲ 23.8%€389k▲ 23.9%€222k▼ 42.9%
Operating result€116k-€106k▼ 9.2%€70k▼ 33.7%€87k▲ 23.8%€83k▼ 3.6%
Net result€91k-€87k▼ 4.7%€60k▼ 30.8%€75k▲ 24.3%€75k▼ 0.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €641k
Fixed assets
€18k ▲ 94.4%
Current assets
€623k ▲ 19.3%
Equity and liabilities €641k
Equity
€222k ▼ 42.9%
Debt
€419k ▲ 194%
Debt's share of the balance-sheet total rises from 26.8% to 65.3%. Equity is lower and debt is higher.
Key figures and ratios
ROE
33.6%▲
2024 · 19.3%
ROA
11.6%▼
2024 · 14.1%
Debt ≤ 1 year
€419k▲
2024 · €142k
Income taxes
€28k▼
2024 · €31k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€532k€641k▲
Fixed assets21/28€9k€18k▲
Tangible fixed assets22/27€8k€17k▲
Plant, machinery and equipment23€8k€8k=
Furniture and vehicles24€395€9k▲
Financial fixed assets28€1k€1k=
Current assets29/58€522k€623k▲
Amounts receivable after more than one year29€135k€139k▲
Other amounts receivable291€135k€139k▲
Amounts receivable within one year40/41€341k€444k▲
Trade receivables40€36k€82k▲
Other amounts receivable41€304k€362k▲
Cash at bank and in hand54/58€22k€12k▼
Deferred charges and accrued income490/1€25k€29k▲
Equity and liabilities
Total equity and liabilities10/49€532k€641k▲
Equity10/15€389k€222k▼
Contributions10/11€12k€12k=
Reserves13€377k€210k▼
Distributable reserves133€377k€210k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€142k€419k▲
Amounts payable within one year42/48€142k€419k▲
Trade debts44€29k€53k▲
Suppliers440/4€29k€53k▲
Advances received on contracts in progress46€32k€0▼
Taxes, remuneration and social security45€72k€66k▼
Taxes450/3€65k€60k▼
Remuneration and social security454/9€7k€7k▲
Other amounts payable47/48€9k€300k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€918€4k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€89k€89k▲
Operating profit (loss)9901€87k€83k▼
Financial income75/76B€21k€22k▲
Recurring financial income75€21k€22k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€106k€103k▼
Income taxes67/77€31k€28k▼
Profit (loss) for the period9904€75k€75k▼
Profit (loss) for the period to be appropriated9905€75k€75k▼
Appropriation of the result
Profit (loss) to be appropriated9906€75k€75k▼
Transfer from equity791/2-€241k
Transfer to equity691/2€75k€75k▼
To other reserves6921€75k€75k▼
Profit to be distributed694/7-€241k
Return on contributions (dividend)694-€241k
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 25 days late
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 14 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 3.13
Current ratio from 1.47 to 3.13; short-term debt falls from €513k to €143k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Equity above €200kEq €254k ▲52.2%
3 profitable years in a row build equity to €254k.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 78 days late
2021
31-12
Financial
Equity above €150kEq €167k ▲121%
2 profitable years in a row build equity to €167k.
12-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 73 days late
2020
31-12
Financial
Back to profitnet €102k
Net result €102k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.35
Current ratio from 0.56 to 1.35.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
Show earlier events
2019
31-12
Financial
Weakest financial yearnet €-12k ▼147%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
22-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 114 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, As · 1 establishment unit since 2015
Ground area
2,068 m²
Building footprint
348 m²
Volume, LiDAR
1,103 m³
Parcel 71002C0087/00K000, Flanders · tallest building 11.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
YEMANI
since 20152.241.080.575
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71002C0087/00K000 | Flanders | 2,068 m² | 1 · 348 m² | 11.8 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,542 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded12-02-2015
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.