YO IMMO
ActiveYO IMMO has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €867k and a net result of €-43k. Its solvency ranks better than 52% of 13977 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability26▲+7
Solvency57▲+1
Growth58
Track record82
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days only on tighter terms
Liquidity short (current ratio 0.65 against 0.92 in 2024; short-term debt: 40.2% and cash: 0.7% of total assets), and 68.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
31.9%
Return on assets
-1.6%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2425
2024 to 2025 · latest year €-43k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 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
47 d late
2024
16 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€867k▼ 4.7%
2024 · €910k
2024: €910k
2024 → 2025
Total assets
€2.72M▼ 8.1%
2024 · €2.96M
2024: €2.96M
2024 → 2025
Net result
€-43k▲ 51.9%
2024 · €-90k
2024: €-90k
2024 → 2025
Working capital
€-385k▼ 379%
2024 · €-80k
2024: €-80k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€910k-€867k▼ 4.7%
Operating result€-15k-€48k
Net result€-90k-€-43k▲ 51.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €48k after a loss of €15k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.72M
Fixed assets
€2.01M▼ 2.6%
Current assets
€709k▼ 20.7%
Equity and liabilities €2.72M
Equity
€867k▼ 4.7%
Debt
€1.86M▼ 9.5%
The debt ratio falls from 69.3% to 68.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€101k▲
2024 · €32k
Cash flow
€11k▲
2024 · €-42k
Solvency
31.9%▲
2024 · 30.7%
Current ratio
0.65▼
2024 · 0.92
Quick ratio
0.65▼
2024 · 0.92
Debt / equity
2.14▼
2024 · 2.25
ROE
-5.0%▲
2024 · -9.8%
ROA
-1.6%▲
2024 · -3.0%
Interest coverage
1.12▲
2024 · 0.43
Debt
€1.86M▼
2024 · €2.05M
Debt ≤ 1 year
€1.09M▲
2024 · €974k
Debt > 1 year
€762k▼
2024 · €1.08M
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€2.96M€2.72M▼
Fixed assets21/28€2.07M€2.01M▼
Tangible fixed assets22/27€2.07M€2.01M▼
Land and buildings22€2.07M€2.01M▼
Current assets29/58€893k€709k▼
Amounts receivable within one year40/41€891k€684k▼
Other amounts receivable41€891k€684k▼
Cash at bank and in hand54/58€668€19k▲
Deferred charges and accrued income490/1€1k€6k▲
Equity and liabilities
Total equity and liabilities10/49€2.96M€2.72M▼
Equity10/15€910k€867k▼
Contributions10/11€1.00M€1.00M=
Profit (loss) carried forward14€-90k€-133k▼
Amounts payable17/49€2.05M€1.86M▼
Amounts payable after more than one year17€1.08M€762k▼
Financial debts170/4€1.08M€762k▼
Amounts payable within one year42/48€974k€1.09M▲
Current portion of amounts payable after more than one year42€48k€40k▼
Financial debts43€889k-
Credit institutions430/8€889k-
Trade debts44€2k€25k▲
Suppliers440/4€2k€25k▲
Taxes, remuneration and social security45-€6k
Remuneration and social security454/9-€6k
Other amounts payable47/48€35k€1.02M▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€54k▲
Other operating charges640/8€15k€23k▲
Gross operating margin9900€47k€124k▲
Operating profit (loss)9901€-15k€48k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€74k€91k▲
Recurring financial charges65€74k€91k▲
Profit (loss) for the period before taxes9903€-90k€-43k▲
Profit (loss) for the period9904€-90k€-43k▲
Profit (loss) for the period to be appropriated9905€-90k€-43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-90k€-133k▼
Profit (loss) brought forward from the previous period14P-€-90k
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
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 47 days late
2025
16-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 16 days late
NBB filing
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, Liège · 1 establishment unit since 2023
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.
Rue de Visé 5924020 LiègeGround area
666 m²
Building footprint
183 m²
Volume, LiDAR
954 m³
Parcel 62113B0682/00Y000, Wallonia · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
YO IMMO
since 20232.355.492.075
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62113B0682/00Y000 | Wallonia | 666 m² | 1 · 183 m² | 7.0 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
DEDICO
BE 0433.308.601
Grâce-Hollogne · Eq €868k
HARVAR
BE 0802.587.797
Elsene · Eq €868k
PAUWELS Commv
BE 0821.227.932
Linter · Eq €866k
SYMBIOSIS
BE 0700.620.409
Brasschaat · Eq €869k
ORALIS
BE 0820.211.214
Elsene · Eq €865k
Of 7,322 companies in sector 68110 we hold annual accounts for 5,381. 3,334 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-11-2023
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
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 · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.