YOFI CONSULT
ActiveYOFI CONSULT has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €470k and a net result of €-30k. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 67% of 11238 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▼-59
Solvency89▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 4.46 against 4.78 in 2024; short-term debt: 21% and cash: 18.5% of total assets), and 36.3% 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+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
6 d late
2023
5 d early
2022
27 d early
2021
30 d early
2020
18 d late
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€470k▼ 6.1%
2024 · €500k
2018: €394k
2019: €346k
2020: €356k
2021: €345k
2022: €420k
2023: €474k
2024: €500k
2018 → 2025
Total assets
€737k▼ 3.1%
2024 · €761k
2018: €681k
2019: €688k
2020: €636k
2021: €617k
2022: €701k
2023: €760k
2024: €761k
2018 → 2025
Net result
€-30k
2024 · €26k
2018: €-43k
2019: €-48k
2020: €10k
2021: €-11k
2022: €75k
2023: €54k
2024: €26k
2018 → 2025
Working capital
€536k▼ 4.3%
2024 · €560k
2018: €428k
2019: €389k
2020: €391k
2021: €387k
2022: €463k
2023: €526k
2024: €560k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€345k-€420k▲ 21.7%€474k▲ 12.9%€500k▲ 5.5%€470k▼ 6.1%
Operating result€-10k-€99k€79k▼ 20.5%€9k▼ 88.0%€-59k
Net result€-11k-€75k€54k▼ 27.5%€26k▼ 52.3%€-30k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €59k after €9k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €737k
Fixed assets
€46k▼ 12.0%
Current assets
€691k▼ 2.5%
Equity and liabilities €737k
Equity
€470k▼ 6.1%
Provisions
€113k=
Debt
€155k▲ 4.4%
The debt ratio rises from 19.5% to 21.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-50k▼
2024 · €18k
Cash flow
€-21k▼
2024 · €35k
Solvency
63.7%▼
2024 · 65.7%
Current ratio
4.46▼
2024 · 4.78
Quick ratio
4.42▼
2024 · 4.76
Debt / equity
0.33▲
2024 · 0.30
ROE
-6.4%▼
2024 · 5.2%
ROA
-4.1%▼
2024 · 3.4%
Interest coverage
-231.29▼
2024 · 20.03
Debt
€155k▲
2024 · €148k
Debt ≤ 1 year
€155k▲
2024 · €148k
Income taxes
€0▼
2024 · €13k
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€761k€737k▼
Fixed assets21/28€52k€46k▼
Tangible fixed assets22/27€52k€46k▼
Land and buildings22€46k€41k▼
Plant, machinery and equipment23€6k€5k▼
Current assets29/58€709k€691k▼
Stocks and contracts in progress3€3k€6k▲
Stocks30/36€3k€6k▲
Amounts receivable within one year40/41€568k€549k▼
Trade receivables40€17k€21k▲
Other amounts receivable41€551k€528k▼
Cash at bank and in hand54/58€137k€136k▼
Equity and liabilities
Total equity and liabilities10/49€761k€737k▼
Equity10/15€500k€470k▼
Contributions10/11€6k€6k=
Reserves13€494k€463k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€492k€462k▼
Provisions and deferred taxes16€113k€113k=
Provisions for liabilities and charges160/5€113k€113k=
Other liabilities and charges164/5€113k€113k=
Amounts payable17/49€148k€155k▲
Amounts payable within one year42/48€148k€155k▲
Financial debts43-€15
Credit institutions430/8-€15
Trade debts44€132k€152k▲
Suppliers440/4€132k€152k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€17k€3k▼
Taxes450/3€17k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€909€2k▲
Gross operating margin9900€19k€-48k▼
Operating profit (loss)9901€9k€-59k▼
Financial income75/76B€30k€29k▼
Recurring financial income75€30k€29k▼
Financial charges65/66B€911€214▼
Recurring financial charges65€911€214▼
Profit (loss) for the period before taxes9903€38k€-30k▼
Income taxes67/77€13k€0▼
Profit (loss) for the period9904€26k€-30k▼
Profit (loss) for the period to be appropriated9905€26k€-30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€-30k▼
Transfer from equity791/2-€30k
Transfer to equity691/2€26k€0▼
To other reserves6921€26k€0▼
The notes to these accounts (13 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €75k
Net result €75k after one loss-making year.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
30-09
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €-48k
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
15-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Zulte · 1 establishment unit since 1999
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.
Meersstraat 89870 ZulteGround area
4,034 m²
Building footprint
290 m²
Volume, LiDAR
1,375 m³
Parcel 44081B0122/00E000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
YOFI CONSULT BVBA
since 19992.092.713.434
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44081B0122/00E000 | Flanders | 4,034 m² | 1 · 290 m² | 7.3 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
GA-Liberty
BE 0455.204.865
Fleurus · Eq €470k
Menza
BE 0672.886.921
Lier · Eq €469k
DENIS
BE 0863.916.444
Maarkedal · Eq €468k
TRUST
BE 0462.471.551
Oudenaarde · Eq €467k
MINDSCAN
BE 0671.821.802
Sint-Martens-Latem · Eq €467k
Of 6,155 companies in sector 46190 we hold annual accounts for 2,569. 1,558 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded15-06-1999
Fiscal year end30-09
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.