YERPA
ActiveYERPA has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €170k and a net result of €14k. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 90% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▼-24
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 12.26 against 25.64 in 2024; short-term debt: 8.2% and cash: 84.3% of total assets), and 8.2% 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 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
91.8%
Return on assets
7.4%
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 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
1 d early
2023
31 d late
2022
31 d late
2021
31 d late
2020
61 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€170k▲ 8.8%
2024 · €157k
2020: €66k
2021: €92k
2022: €112k
2023: €129k
2024: €157k
2020 → 2025
Total assets
€185k▲ 13.8%
2024 · €163k
2020: €91k
2021: €122k
2022: €120k
2023: €137k
2024: €163k
2020 → 2025
Net result
€14k▼ 50.3%
2024 · €28k
2020: €46k
2021: €26k
2022: €20k
2023: €17k
2024: €28k
2020 → 2025
Working capital
€170k▲ 8.8%
2024 · €157k
2020: €66k
2021: €92k
2022: €112k
2023: €129k
2024: €157k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€92k-€112k▲ 21.9%€129k▲ 14.9%€157k▲ 21.4%€170k▲ 8.8%
Operating result€34k-€28k▼ 18.6%€35k▲ 28.6%€37k▲ 5.7%€19k▼ 49.8%
Net result€26k-€20k▼ 21.8%€17k▼ 16.9%€28k▲ 65.2%€14k▼ 50.3%
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 50% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €185k
Equity
€170k▲ 8.8%
Debt
€15k▲ 138%
The debt ratio rises from 3.9% to 8.2%. Equity and debt are higher.
Key figures and ratios
Solvency
91.8%▼
2024 · 96.1%
Current ratio
12.26▼
2024 · 25.64
Quick ratio
12.26▼
2024 · 25.64
Debt / equity
0.09▲
2024 · 0.04
ROE
8.1%▼
2024 · 17.7%
ROA
7.4%▼
2024 · 17.0%
Debt
€15k▲
2024 · €6k
Debt ≤ 1 year
€15k▲
2024 · €6k
Income taxes
€5k▼
2024 · €10k
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€163k€185k▲
Current assets29/58€163k€185k▲
Amounts receivable within one year40/41€46k€29k▼
Trade receivables40€41k€28k▼
Other amounts receivable41€5k€1k▼
Cash at bank and in hand54/58€117k€156k▲
Equity and liabilities
Total equity and liabilities10/49€163k€185k▲
Equity10/15€157k€170k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€137k€150k▲
Amounts payable17/49€6k€15k▲
Amounts payable within one year42/48€6k€15k▲
Trade debts44-€4k
Suppliers440/4-€4k
Taxes, remuneration and social security45€6k€11k▲
Taxes450/3€6k€11k▲
Income statement
Code20242025
Other operating charges640/8€207€544▲
Gross operating margin9900€38k€19k▼
Operating profit (loss)9901€37k€19k▼
Financial charges65/66B€92€55▼
Recurring financial charges65€92€55▼
Profit (loss) for the period before taxes9903€37k€19k▼
Income taxes67/77€10k€5k▼
Profit (loss) for the period9904€28k€14k▼
Profit (loss) for the period to be appropriated9905€28k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€137k€150k▲
Profit (loss) brought forward from the previous period14P€109k€137k▲
The notes to these accounts (1 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 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €14k ▼50.3%
Net result drops to €14k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €157k ▲21.4%
5 profitable years in a row build equity to €157k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity quadruplescurrent ratio 16.31
Current ratio from 4.09 to 16.31; short-term debt falls from €30k to €7k.
31-12
Financial
Equity above €100kEq €112k ▲21.9%
3 profitable years in a row build equity to €112k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Gent · 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.
Adelaarsstraat 269051 GentGround area
2,399 m²
Building footprint
267 m²
Volume, LiDAR
1,774 m³
Parcel 44062C0096/00H000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
YERPA
since 20192.294.906.667
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44062C0096/00H000 | Flanders | 2,399 m² | 1 · 267 m² | 9.9 m · 2 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 16,869 companies in sector 62100 we hold annual accounts for 8,779. 6,789 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-09-2019
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.