YouGrow
ActiveSummary
YouGrow has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €4k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 88% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+4
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 6.73 against 5.65 in 2024; short-term debt: 9.9% and cash: 51.5% of total assets), and 10.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
89.6%
Return on assets
6.7%
Age of the figures
9 mo
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 01-06-2026, 60 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
60 d early
2024
9 d early
2023
54 d early
2022
31 d early
2021
27 d early
2020
47 d early
2019
44 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€51k▼ 31.3%
2024 · €74k
2018: €42k
2019: €40k
2020: €47k
2021: €65k
2022: €74k
2023: €71k
2024: €74k
2018 → 2025
Total assets
€57k▼ 32.2%
2024 · €84k
2018: €69k
2019: €53k
2020: €59k
2021: €77k
2022: €80k
2023: €74k
2024: €84k
2018 → 2025
Net result
€4k▲ 37.0%
2024 · €3k
2018: €11k
2019: €-2k
2020: €7k
2021: €18k
2022: €9k
2023: €-3k
2024: €3k
2018 → 2025
Working capital
€32k▼ 28.8%
2024 · €45k
2018: €27k
2019: €31k
2020: €41k
2021: €60k
2022: €70k
2023: €33k
2024: €45k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€74k▲ 14.2%€71k▼ 4.0%€74k▲ 3.9%€51k▼ 31.3%
Operating result€23k-€14k▼ 38.8%€-2k€4k€5k▲ 10.9%
Net result€18k-€9k▼ 47.6%€-3k€3k€4k▲ 37.0%
Turnover and EBIT margin not published: the micro 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 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€19k ▼ 34.0%
Current assets
€38k ▼ 31.2%
Equity and liabilities €57k
Equity
€51k ▼ 31.3%
Debt
€6k ▼ 39.2%
Debt's share of the balance-sheet total falls from 11.6% to 10.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€15k▼
2024 · €15k
Cash flow
€14k▲
2024 · €13k
Current ratio
6.73▲
2024 · 5.65
Debt to equity
0.12▼
2024 · 0.13
ROE
7.5%▲
2024 · 3.8%
ROA
6.7%▲
2024 · 3.3%
Interest coverage
63.41▼
2024 · 109.13
Debt ≤ 1 year
€6k▼
2024 · €10k
Income taxes
€929▼
2024 · €1k
Staff costs
€400▲
2024 · €374
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€84k€57k▼
Fixed assets21/28€29k€19k▼
Tangible fixed assets22/27€29k€19k▼
Land and buildings22€621€89▼
Plant, machinery and equipment23€1k€832▼
Furniture and vehicles24€27k€18k▼
Current assets29/58€55k€38k▼
Amounts receivable within one year40/41€6k€8k▲
Trade receivables40€6k€7k▲
Other amounts receivable41-€1k
Cash at bank and in hand54/58€49k€29k▼
Deferred charges and accrued income490/1€200-
Equity and liabilities
Total equity and liabilities10/49€84k€57k▼
Equity10/15€74k€51k▼
Contributions10/11€12k€12k=
Reserves13€62k€39k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€60k€37k▼
Profit (loss) carried forward14€-149€-149=
Amounts payable17/49€10k€6k▼
Amounts payable within one year42/48€10k€6k▼
Trade debts44-€408
Suppliers440/4-€408
Taxes, remuneration and social security45€9k€5k▼
Taxes450/3€7k€2k▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€1k€672▼
Accrued charges and deferred income492/3-€305
Income statement
Code20242025
Non-recurring operating income76A-€71
Remuneration, social security and pensions62€374€400▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼
Other operating charges640/8€543€543=
Gross operating margin9900€16k€16k▼
Operating profit (loss)9901€4k€5k▲
Financial income75/76B€25€119▲
Recurring financial income75€25€119▲
Financial charges65/66B€136€232▲
Recurring financial charges65€136€232▲
Profit (loss) for the period before taxes9903€4k€5k▲
Income taxes67/77€1k€929▼
Profit (loss) for the period9904€3k€4k▲
Profit (loss) for the period to be appropriated9905€3k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-149€4k▲
Profit (loss) brought forward from the previous period14P€-3k€-149▲
Transfer from equity791/2-€27k
Transfer to equity691/2-€4k
To other reserves6921-€4k
Profit to be distributed694/7-€27k
Return on contributions (dividend)694-€27k
The notes to these accounts (6 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-3k ▼132%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 12.70
Current ratio from 6.07 to 12.70; short-term debt falls from €12k to €6k.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €18k ▲137%
Operating result €23k, net result €18k, both a record.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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, Aartselaar · 1 establishment unit since 2016
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.
Jan Davidlaan 342630 AartselaarGround area
233 m²
Building footprint
90 m²
Volume, LiDAR
591 m³
Parcel 11001B0298/00P006, Flanders · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Jan Davidlaan 34, 2630 Aartselaar
since 20162.254.247.633
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11001B0298/00P006 | Flanders | 233 m² | 1 · 90 m² | 9.8 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 135 EUR awarded · 135 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 135 EUR | 135 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Quality registration as a provider
1 live approvalQuality registration as a provider
Similar companies · same sector, comparable size
PF Expertises
BE 0773.704.167
Musson · Eq €50,813
VIKEL
BE 0749.693.697
Wavre · Eq €50,821
LA FINANCIERE DU GUI
BE 0470.574.219
Sint-Lambrechts-Woluwe · Eq €50,801
MARSELL CONSULTING
BE 1016.175.166
Harelbeke · Eq €50,800
NMTTA
BE 0559.843.220
Hoogstraten · Eq €50,826
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,149 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
Founded01-07-2016
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
78100Employment placement agencies
78200Temporary employment agencies and other provision of personnel
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.