YOMA-GAP
ActiveSummary
YOMA-GAP has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €123k and a net result of €87k. Equity is growing by ~139.9% per year across the filed fiscal years. Its solvency ranks better than 22% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▼-51
Solvency43▼-52
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.36 against 2.11 in 2024; short-term debt: 13.5% and cash: 0.7% of total assets), and 82.3% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
17.7%
Return on assets
12.6%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 04-02-2026, 4 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 · 3 filingsDeviation from the deadline
2025
4 d late
2024
14 d late
2023
12 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€123k▲ 245%
2024 · €36k
2023: €23k
2024: €36k
2023 → 2025
Total assets
€692k▲ 1,263%
2024 · €51k
2023: €33k
2024: €51k
2023 → 2025
Net result
€87k▲ 603%
2024 · €12k
2023: €20k
2024: €12k
2023 → 2025
Working capital
€-59k
2024 · €17k
2023: €19k
2024: €17k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€23k-€36k▲ 53.5%€123k▲ 245%
Operating result€28k-€20k▼ 28.5%€21k▲ 3.0%
Net result€20k-€12k▼ 38.6%€87k▲ 603%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €692k
Fixed assets
€658k ▲ 3,425%
Current assets
€34k ▲ 5.6%
Equity and liabilities €692k
Equity
€123k ▲ 245%
Debt
€569k ▲ 3,643%
Debt's share of the balance-sheet total rises from 30.0% to 82.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€24k▲
2024 · €22k
Cash flow
€90k▲
2024 · €14k
Current ratio
0.36▼
2024 · 2.11
Debt to equity
4.64▲
2024 · 0.43
ROE
71.0%▲
2024 · 34.8%
ROA
12.6%▼
2024 · 24.4%
Interest coverage
1.62▼
2024 · 10.06
Debt ≤ 1 year
€93k▲
2024 · €15k
Debt > 1 year
€476k
Income taxes
€3k▼
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€51k€692k▲
Fixed assets21/28€19k€658k▲
Tangible fixed assets22/27€19k€17k▼
Furniture and vehicles24€4k€4k▼
Other tangible fixed assets26€15k€13k▼
Financial fixed assets28-€642k
Current assets29/58€32k€34k▲
Amounts receivable within one year40/41€29k€29k▼
Trade receivables40€26k€18k▼
Other amounts receivable41€4k€12k▲
Cash at bank and in hand54/58€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€51k€692k▲
Equity10/15€36k€123k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€33k€120k▲
Amounts payable17/49€15k€569k▲
Amounts payable after more than one year17-€476k
Financial debts170/4-€476k
Amounts payable within one year42/48€15k€93k▲
Current portion of amounts payable after more than one year42-€41k
Financial debts43-€30k
Credit institutions430/8-€30k
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€14k€10k▼
Taxes450/3€14k€10k▼
Other amounts payable47/48€24€9k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€948€920▼
Gross operating margin9900€23k€25k▲
Operating profit (loss)9901€20k€21k▲
Financial income75/76B€138€84k▲
Recurring financial income75€138€84k▲
Financial charges65/66B€2k€15k▲
Recurring financial charges65€2k€15k▲
Profit (loss) for the period before taxes9903€18k€90k▲
Income taxes67/77€6k€3k▼
Profit (loss) for the period9904€12k€87k▲
Profit (loss) for the period to be appropriated9905€12k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€120k▲
Profit (loss) brought forward from the previous period14P€20k€33k▲
The notes to these accounts (9 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
04-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
30-06
Financial
Highest result since 2023net €87k ▲603%
Net result €87k, the highest in the series.
30-06
Financial
Equity above €100kEq €123k ▲245%
3 profitable years in a row build equity to €123k.
14-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
30-06
Financial
Weakest financial yearnet €12k ▼38.6%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
12-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Braives · 1 establishment unit since 2022
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 Genon 134260 BraivesGround area
1,199 m²
Building footprint
89 m²
Volume, LiDAR
644 m³
Parcel 64017A0390/00B002, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
YOMA-GAP
since 20222.332.654.317
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64017A0390/00B002 | Wallonia | 1,199 m² | 1 · 89 m² | 8.5 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 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,847 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-06-2022
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
46370Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.