YMOCE EXPERTS
ActiveYMOCE EXPERTS has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €385k and a net result of €-22k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 44% of 9389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability29▼-63
Solvency73▼-1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.51 in 2024; short-term debt: 40.9% and cash: 53.2% of total assets), and 51.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
28 d early
2023
28 d early
2022
29 d late
2021
26 d late
2020
30 d early
2019
67 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€385k▼ 5.3%
2024 · €407k
2018: €191k
2019: €184k
2020: €226k
2021: €248k
2022: €363k
2023: €254k
2024: €407k
2018 → 2025
Total assets
€796k▼ 3.7%
2024 · €827k
2018: €714k
2019: €652k
2020: €752k
2021: €736k
2022: €837k
2023: €702k
2024: €827k
2018 → 2025
Net result
€-22k
2024 · €154k
2018: €-8k
2019: €-8k
2020: €44k
2021: €24k
2022: €115k
2023: €-108k
2024: €154k
2018 → 2025
Working capital
€152k▼ 10.2%
2024 · €170k
2018: €142k
2019: €155k
2020: €179k
2021: €224k
2022: €368k
2023: €272k
2024: €170k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€248k-€363k▲ 46.4%€254k▼ 29.9%€407k▲ 59.9%€385k▼ 5.3%
Operating result€46k-€173k▲ 274%€-107k€196k€2k▼ 99.0%
Net result€24k-€115k▲ 384%€-108k€154k€-22k
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 99% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €796k
Fixed assets
€318k▼ 1.4%
Current assets
€478k▼ 5.2%
Equity and liabilities €796k
Equity
€385k▼ 5.3%
Debt
€411k▼ 2.1%
The debt ratio rises from 50.8% to 51.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€36k▼
2024 · €242k
Cash flow
€13k▼
2024 · €200k
Solvency
48.4%▼
2024 · 49.2%
Current ratio
1.47▼
2024 · 1.51
Quick ratio
1.47▼
2024 · 1.51
Debt / equity
1.07▲
2024 · 1.03
ROE
-5.6%▼
2024 · 37.9%
ROA
-2.7%▼
2024 · 18.6%
Interest coverage
1.63▼
2024 · 17.22
Debt
€411k▼
2024 · €420k
Debt ≤ 1 year
€326k▼
2024 · €335k
Debt > 1 year
€86k=
2024 · €86k
Income taxes
€1k▼
2024 · €31k
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€827k€796k▼
Fixed assets21/28€323k€318k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€323k€318k▼
Land and buildings22€278k€291k▲
Plant, machinery and equipment23€3k€0▼
Furniture and vehicles24€41k€27k▼
Assets under construction and advance payments27€0-
Current assets29/58€505k€478k▼
Amounts receivable within one year40/41€40k€54k▲
Trade receivables40€9k€17k▲
Other amounts receivable41€31k€37k▲
Cash at bank and in hand54/58€463k€423k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€827k€796k▼
Equity10/15€407k€385k▼
Contributions10/11€75k€75k=
Reserves13€332k€332k=
Distributable reserves133€332k€332k=
Profit (loss) carried forward14€0€-22k▼
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Pensions and similar obligations160€0-
Amounts payable17/49€420k€411k▼
Amounts payable after more than one year17€86k€86k=
Financial debts170/4€9k€9k=
Other amounts payable178/9€77k€77k=
Amounts payable within one year42/48€335k€326k▼
Current portion of amounts payable after more than one year42€10k€0▼
Trade debts44€207€0▼
Suppliers440/4€207€0▼
Taxes, remuneration and social security45€678€3k▲
Taxes450/3€678€3k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€324k€323k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€34k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-266k€0▲
Other operating charges640/8€6k€3k▼
Non-recurring operating charges66A-€5k
Gross operating margin9900€-18k€45k▲
Operating profit (loss)9901€196k€2k▼
Financial income75/76B€3k€52▼
Recurring financial income75€3k€52▼
Financial charges65/66B€14k€22k▲
Recurring financial charges65€14k€22k▲
Profit (loss) for the period before taxes9903€185k€-20k▼
Income taxes67/77€31k€1k▼
Profit (loss) for the period9904€154k€-22k▼
Profit (loss) for the period to be appropriated9905€154k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€-22k▼
Profit (loss) brought forward from the previous period14P€-108k€0▲
Transfer to equity691/2€44k€0▼
To other reserves6921€44k€0▼
Profit to be distributed694/7€2k€0▼
Return on contributions (dividend)694€2k€0▼
The notes to these accounts (15 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €154k
Net result €154k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-108k ▼194%
Net result drops to €-108k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €44k
Net result €44k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €226k ▲22.9%
Equity rises from €184k to €226k.
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 67 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 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.
Directors · office · real estate
Directors
3 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, Waregem · 1 establishment unit since 2004
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.
Jozef Duthoystraat 118790 WaregemGround area
130 m²
Building footprint
65 m²
Volume, LiDAR
470 m³
Parcel 34040C1168/00G000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B & V Experten
since 20042.136.160.922
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34040C1168/00G000 | Flanders | 130 m² | 1 · 65 m² | 10.1 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.
Similar companies · same sector, comparable size
DUROT
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LANDHAM
BE 0888.541.873
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Bureau d'études techniques L. Boncher
BE 0401.580.493
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JALOR
BE 0537.993.672
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GEOBA
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Geraardsbergen · Eq €390k
Of 1,759 companies in sector 71122 we hold annual accounts for 768. 567 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-2004
Fiscal year end31-12
Activities, NACEBEL
71122Land surveying
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:bureau@bv-experten.be
Phone:056/61.67.44
Fax:056/61.67.46