YOBO
ActiveYOBO has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €218k and a net result of €11k. Equity is growing by ~29.5% per year across the filed fiscal years. Its solvency ranks better than 17% of 1613 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▼-18
Solvency29=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity ample (current ratio 2.17 against 3.16 in 2024; short-term debt: 43.5% and cash: 1% of total assets), but 96.1% 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
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
3.9%
Return on assets
0.2%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 1613 sector peers (2025).
NBB · sector comparisonPosition among 1613 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-09-2026, 46 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 8 filingsDeviation from the deadline
2025
46 d late
2024
3 d early
2023
6 d early
2022
5 d early
2021
26 d early
2020
15 d early
2019
4 d early
← 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, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€218k▲ 5.5%
2024 · €206k
2018: €-46k
2019: €-129k
2020: €-129k
2021: €86k
2022: €178k
2023: €188k
2024: €206k
2018 → 2025
Total assets
€5.64M▲ 10.2%
2024 · €5.12M
2018: €295k
2019: €434k
2020: €992k
2021: €1.40M
2022: €1.75M
2023: €1.80M
2024: €5.12M
2018 → 2025
Net result
€11k▼ 36.8%
2024 · €18k
2018: €-52k
2019: €-83k
2020: €171k
2021: €44k
2022: €92k
2023: €10k
2024: €18k
2018 → 2025
Working capital
€2.87M▼ 13.1%
2024 · €3.30M
2018: €25k
2019: €-27k
2020: €144k
2021: €210k
2022: €292k
2023: €251k
2024: €3.30M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€86k-€178k▲ 108%€188k▲ 5.8%€206k▲ 9.6%€218k▲ 5.5%
Operating result€78k-€149k▲ 91.0%€46k▼ 69.2%€62k▲ 34.9%€178k▲ 187%
Net result€44k-€92k▲ 110%€10k▼ 88.8%€18k▲ 74.7%€11k▼ 36.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 187% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.64M
Fixed assets
€318k▲ 10.9%
Current assets
€5.32M▲ 10.1%
Equity and liabilities €5.64M
Equity
€218k▲ 5.5%
Debt
€5.42M▲ 10.4%
The debt ratio rises from 96.0% to 96.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€209k▲
2024 · €85k
Cash flow
€42k▲
2024 · €41k
Solvency
3.9%▼
2024 · 4.0%
Current ratio
2.17▼
2024 · 3.16
Quick ratio
0.43▼
2024 · 0.55
Debt / equity
24.91▲
2024 · 23.81
ROE
5.2%▼
2024 · 8.7%
ROA
0.2%▼
2024 · 0.4%
Interest coverage
1.38▼
2024 · 3.45
Debt
€5.42M▲
2024 · €4.91M
Debt ≤ 1 year
€2.45M▲
2024 · €1.53M
Debt > 1 year
€2.94M▼
2024 · €3.36M
Income taxes
€16k▼
2024 · €20k
Staff costs
€38k▼
2024 · €52k
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€5.12M€5.64M▲
Fixed assets21/28€287k€318k▲
Tangible fixed assets22/27€185k€217k▲
Land and buildings22€15k€29k▲
Plant, machinery and equipment23€19k€25k▲
Furniture and vehicles24€12k€39k▲
Other tangible fixed assets26€139k€124k▼
Financial fixed assets28€101k€101k=
Current assets29/58€4.83M€5.32M▲
Stocks and contracts in progress3€3.98M€4.27M▲
Contracts in progress37€3.98M€4.27M▲
Amounts receivable within one year40/41€785k€934k▲
Trade receivables40€425k€739k▲
Other amounts receivable41€360k€195k▼
Current investments50/53-€9k
Cash at bank and in hand54/58€53k€56k▲
Deferred charges and accrued income490/1€9k€44k▲
Equity and liabilities
Total equity and liabilities10/49€5.12M€5.64M▲
Equity10/15€206k€218k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€200k€211k▲
Amounts payable17/49€4.91M€5.42M▲
Amounts payable after more than one year17€3.36M€2.94M▼
Financial debts170/4€3.36M€2.94M▼
Amounts payable within one year42/48€1.53M€2.45M▲
Current portion of amounts payable after more than one year42€20k€25k▲
Financial debts43€19k€0▼
Credit institutions430/8€19k€0▼
Trade debts44€212k€842k▲
Suppliers440/4€212k€842k▲
Taxes, remuneration and social security45€5k€36k▲
Taxes450/3€5k€31k▲
Remuneration and social security454/9-€5k
Other amounts payable47/48€1.27M€1.55M▲
Accrued charges and deferred income492/3€23k€27k▲
Income statement
Code20242025
Remuneration, social security and pensions62€52k€38k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€31k▲
Other operating charges640/8€21k€13k▼
Non-recurring operating charges66A€4k€0▼
Gross operating margin9900€162k€260k▲
Operating profit (loss)9901€62k€178k▲
Financial income75/76B€925€1k▲
Recurring financial income75€925€1k▲
Financial charges65/66B€25k€152k▲
Recurring financial charges65€25k€152k▲
Profit (loss) for the period before taxes9903€38k€28k▼
Income taxes67/77€20k€16k▼
Profit (loss) for the period9904€18k€11k▼
Profit (loss) for the period to be appropriated9905€18k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€200k€211k▲
Profit (loss) brought forward from the previous period14P€182k€200k▲
Social balance
Average headcount (FTE)90870.80.8=
The notes to these accounts (21 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
15-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 46 days late
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity triplescurrent ratio 3.16
Current ratio from 1.20 to 3.16.
31-12
Financial
Equity above €200kEq €206k ▲9.6%
5 profitable years in a row build equity to €206k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €150kEq €178k ▲108%
3 profitable years in a row build equity to €178k.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €171k
Net result €171k after 2 loss-making years.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-83k
Net result drops to €-83k, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
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, Elsene · 2 establishment units since 2018
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.
Louizalaan 4801050 ElseneGround area
2,966 m²
Building footprint
1,361 m²
Volume, LiDAR
90,584 m³
2 parcels, Brussels, Flanders · tallest building 106.8 m, ±30 floors. Linked by address, not a title deed.
2 establishment units
YOU ONLY BUILD ONCE
since 20182.274.539.340
Louizalaan 480, 1050 Elsene
since 20252.375.981.445
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21822R0227/00V003 | Brussels | 2,791 m² | 1 · 1,235 m² | 106.8 m · 30 fl. |
| 71022H1384/00A008 | Flanders | 175 m² | 1 · 126 m² | 16.0 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 9,585 EUR awarded · 8,010 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,535 EUR | 2,535 EUR |
| 2024 | 1 | 2,400 EUR | 2,400 EUR |
| 2023 | 1 | 2,490 EUR | 2,490 EUR |
| 2022 | 1 | 2,160 EUR | 585 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,862 companies in sector 73110 we hold annual accounts for 3,755. 2,771 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-03-2018
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
73110Advertising agencies
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.