YOU-BUILD
ActiveYOU-BUILD has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-8k) and a net result of €9k. Its solvency ranks better than 15% of 9114 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▲+24
Solvency24▲+1
Growth78
Track record82
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.12 against 0.74 in 2024; short-term debt: 8.2% and cash: 1% of total assets), and equity is negative.
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
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 →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 9114 sector peers (2025).
NBB · sector comparisonPosition among 9114 sector peers
Solvency
better than 15%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
1 d early
2024
24 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-8k▲ 52.8%
2024 · €-17k
2024: €-17k
2024 → 2025
Total assets
€817k▼ 17.0%
2024 · €984k
2024: €984k
2024 → 2025
Net result
€9k
2024 · €-27k
2024: €-27k
2024 → 2025
Working capital
€-59k▼ 2.0%
2024 · €-58k
2024: €-58k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€-17k-€-8k▲ 52.8%
Operating result€-12k-€37k
Net result€-27k-€9k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €37k after a loss of €12k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €817k
Fixed assets
€808k▼ 1.4%
Current assets
€8k▼ 95.0%
Key figures and ratios
EBITDA
€66k▲
2024 · €518
Cash flow
€38k▲
2024 · €-15k
Solvency
-1.0%▲
2024 · -1.8%
Current ratio
0.12▼
2024 · 0.74
Quick ratio
0.12▼
2024 · 0.74
ROA
1.1%▲
2024 · -2.8%
Interest coverage
2.36▲
2024 · 0.03
Debt
€825k▼
2024 · €1.00M
Debt ≤ 1 year
€67k▼
2024 · €222k
Debt > 1 year
€758k▼
2024 · €780k
A ratio outside any meaningful range has been withheld (balance sheet total €817k, equity €-8k).
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€984k€817k▼
Fixed assets21/28€820k€808k▼
Tangible fixed assets22/27€820k€808k▼
Land and buildings22€820k€808k▼
Current assets29/58€164k€8k▼
Amounts receivable within one year40/41€24k€0▼
Trade receivables40€10k€0▼
Other amounts receivable41€15k€0▼
Cash at bank and in hand54/58€138k€8k▼
Deferred charges and accrued income490/1€1k€0▼
Equity and liabilities
Total equity and liabilities10/49€984k€817k▼
Equity10/15€-17k€-8k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€-27k€-18k▲
Amounts payable17/49€1.00M€825k▼
Amounts payable after more than one year17€780k€758k▼
Financial debts170/4€780k€758k▼
Amounts payable within one year42/48€222k€67k▼
Current portion of amounts payable after more than one year42€35k€39k▲
Trade debts44€186k€389▼
Suppliers440/4€186k€389▼
Taxes, remuneration and social security45€743€5k▲
Taxes450/3€743€5k▲
Other amounts payable47/48-€23k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€29k▲
Other operating charges640/8€878€566▼
Gross operating margin9900€1k€66k▲
Operating profit (loss)9901€-12k€37k▲
Financial charges65/66B€16k€28k▲
Recurring financial charges65€16k€28k▲
Profit (loss) for the period before taxes9903€-27k€9k▲
Profit (loss) for the period9904€-27k€9k▲
Profit (loss) for the period to be appropriated9905€-27k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€-18k▲
Profit (loss) brought forward from the previous period14P-€-27k
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (16 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
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.
01-11-2025
Resigned as Director
Location & real-estate footprint
Registered office, Oudsbergen · 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.
Rittenweg 303660 OudsbergenGround area
984 m²
Building footprint
150 m²
Volume, LiDAR
689 m³
Parcel 71047A0397/00R000, Flanders · tallest building 6.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
YOU-BUILD
since 20232.352.897.029
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71047A0397/00R000 | Flanders | 984 m² | 1 · 150 m² | 6.1 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 and region
AGRO SEED INVEST
BE 0861.266.067
Oudsbergen
CARIOS GROEP
BE 0751.887.382
Oudsbergen
DOE-HET-ZELF FERSON
BE 0872.991.882
Oudsbergen
GEBROEDERS FERSON
BE 0456.059.356
Oudsbergen
IGOP
BE 0836.267.880
Oudsbergen
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 7,321 companies in sector 68110 we hold annual accounts for 5,380.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2023
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.