YOUR FUTURE
ActiveSummary
YOUR FUTURE has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€553,243) and a net result of -€1.7m. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 4565 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-42
Solvency0▼-63
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.96 against 2.3 in 2024; short-term debt: 96.2% and cash: 29.3% of total assets), and equity is negative.
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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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-44.8%
Return on assets
-136.3%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€553,243
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 · 10 filingsDeviation from the deadline
2025
1 d early
2024
35 d early
2023
43 d early
2022
81 d early
2021
5 d early
2020
38 d early
2019
26 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 25 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€1.7m
2024 · €155,998
Working capital
-€50,589
2024 · €1.6m
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€189,945▼ 7.8%€391,970-€185,646€120,979-€1.6m
Net result-€190,997▼ 18.0%€392,870-€151,295€155,998-€1.7m
Equity€669,043▼ 22.2%€1.1m▲ 68.2%€974,034▼ 13.4%€1.1m▲ 16.0%-€553,243
Total assets€2.2m▲ 5.4%€2.0m▼ 6.0%€2.8m▲ 36.4%€3.0m▲ 7.2%€1.2m▼ 58.7%
Debt€1.5m▲ 25.2%€920,529▼ 38.9%€1.8m▲ 97.2%€1.9m▲ 2.5%€1.8m▼ 3.9%
Working capital€973,332▼ 16.4%€1.4m▲ 47.0%€1.5m▲ 3.3%€1.6m▲ 10.6%-€50,589
Why a figure moved sharply
- 2025 Total assets -59% on 2024. Cause not known from the registers.
- 2022 Equity +68% on 2021. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1.6m after €120,979 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.2m
Fixed assets
€97,346 ▲ 1.4%
Current assets
€1.1m ▼ 60.7%
Key figures and ratios
EBITDA
-€1.6m▼
2024 · €121,086
Cash flow
-€1.7m▼
2024 · €156,105
Solvency
-44.8%▼
2024 · 37.8%
Current ratio
0.96▼
2024 · 2.30
Quick ratio
0.92▼
2024 · 2.30
Debt to equity
-3.23▼
2024 · 1.65
ROA
-136.3%▼
2024 · 5.2%
Interest coverage
-20.54▼
2024 · 2.00
Debt ≤ 1 year
€1.2m▼
2024 · €1.3m
Debt > 1 year
€600,000=
2024 · €600,000
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 682 companies that looked in July 2024 the way this one looks now, 6.3% went bankrupt within 24 months and 84% are still going.
- Small
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
6.3%
went bankrupt
6.2%
stopped otherwise
84%
still going
A further 3.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 682 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €657 | €711 | - | €107 | €213 | ▲ 100% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €1.5m | - |
| Other operating charges640/8 | €2,080 | €1,536 | €5,960 | €13,094 | €1,126 | ▼ 91.4% |
| Gross operating margin9900 | -€187,208 | €394,217 | -€179,686 | €134,179 | -€141,873 | ▼ 206% |
| Operating profit (loss)9901 | -€189,945 | €391,970 | -€185,646 | €120,979 | -€1.6m | ▼ 1,427% |
| Financial income75/76B | €35,958 | €37,738 | €78,790 | €96,029 | €0 | ▼ 100.0% |
| Recurring financial income75 | €35,958 | €37,738 | €78,790 | €96,029 | €0 | ▼ 100.0% |
| Financial charges65/66B | €37,010 | €36,837 | €44,439 | €60,428 | €78,119 | ▲ 29.3% |
| Recurring financial charges65 | €37,010 | €36,837 | €44,439 | €60,428 | €78,119 | ▲ 29.3% |
| Profit (loss) for the period before taxes9903 | -€190,997 | €392,870 | -€151,295 | €156,580 | -€1.7m | ▼ 1,175% |
| Income taxes67/77 | - | - | - | €581 | - | - |
| Profit (loss) for the period9904 | -€190,997 | €392,870 | -€151,295 | €155,998 | -€1.7m | ▼ 1,179% |
| Profit (loss) for the period to be appropriated9905 | -€190,997 | €392,870 | -€151,295 | €155,998 | -€1.7m | ▼ 1,179% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.2m | €2.0m | €2.8m | €3.0m | €1.2m | ▼ 58.7% |
| Fixed assets21/28 | €95,711 | €95,000 | €96,066 | €95,960 | €97,346 | ▲ 1.4% |
| Tangible fixed assets22/27 | €711 | - | €1,066 | €960 | €2,346 | ▲ 145% |
| Furniture and vehicles24 | €711 | - | €1,066 | €960 | €2,346 | ▲ 145% |
| Financial fixed assets28 | €95,000 | €95,000 | €95,000 | €95,000 | €95,000 | = |
| Current assets29/58 | €2.1m | €2.0m | €2.7m | €2.9m | €1.1m | ▼ 60.7% |
| Stocks and contracts in progress3 | €688,006 | - | - | - | €49,235 | - |
| Stocks30/36 | €688,006 | - | - | - | €49,235 | - |
| Amounts receivable within one year40/41 | €1.3m | €1.5m | €2.4m | €2.4m | €706,072 | ▼ 70.7% |
| Trade receivables40 | €15,093 | €58,785 | - | €470,617 | €361,314 | ▼ 23.2% |
| Other amounts receivable41 | €1.2m | €1.4m | €2.4m | €1.9m | €344,757 | ▼ 82.2% |
| Current investments50/53 | - | - | - | - | €20,000 | - |
| Cash at bank and in hand54/58 | €24,075 | €323,169 | €75,529 | €454,498 | €362,083 | ▼ 20.3% |
| Deferred charges and accrued income490/1 | €103,823 | €120,299 | €179,891 | €33,442 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.2m | €2.0m | €2.8m | €3.0m | €1.2m | ▼ 58.7% |
| Equity10/15 | €669,043 | €1.1m | €974,034 | €1.1m | -€553,243 | ▼ 149% |
| Contributions10/11 | €1.2m | €1.2m | €1.2m | €1.2m | €1.2m | = |
| Capital10 | €1.2m | €1.2m | €1.2m | €1.2m | €1.2m | = |
| Issued capital100 | €1.5m | €1.5m | €1.5m | €1.5m | €1.5m | = |
| Uncalled capital101 | €328,433 | €265,017 | €265,017 | €265,017 | €265,017 | = |
| Reserves13 | - | - | - | - | €20,000 | - |
| Non-distributable reserves130/1 | - | - | - | - | €20,000 | - |
| Own shares acquired1312 | - | - | - | - | €20,000 | - |
| Profit (loss) carried forward14 | -€502,524 | -€109,653 | -€260,948 | -€104,950 | -€1.8m | ▼ 1,623% |
| Amounts payable17/49 | €1.5m | €920,529 | €1.8m | €1.9m | €1.8m | ▼ 3.9% |
| Amounts payable after more than one year17 | €400,000 | €400,000 | €600,000 | €600,000 | €600,000 | = |
| Financial debts170/4 | €400,000 | €400,000 | €600,000 | €600,000 | €600,000 | = |
| Amounts payable within one year42/48 | €1.1m | €520,529 | €1.2m | €1.3m | €1.2m | ▼ 5.7% |
| Financial debts43 | €624,963 | - | - | - | - | - |
| Credit institutions430/8 | €624,963 | - | - | - | - | - |
| Trade debts44 | €60,489 | €12,371 | €12,743 | €54,550 | - | - |
| Suppliers440/4 | €60,489 | €12,371 | €12,743 | €54,550 | - | - |
| Taxes, remuneration and social security45 | €338 | - | €1,797 | €22,425 | €4,374 | ▼ 80.5% |
| Taxes450/3 | €338 | - | €1,797 | €22,425 | €4,374 | ▼ 80.5% |
| Other amounts payable47/48 | €420,822 | €508,158 | €1.2m | €1.2m | €1.2m | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€190,997 | €392,870 | -€151,295 | €155,998 | -€1.7m | ▼ 1,179% |
| + Depreciation and write-downs630 | €657 | €711 | - | €107 | €213 | ▲ 100% |
| Operating cash flow (approximation) | -€190,341 | €393,582 | -€151,295 | €156,105 | -€1.7m | ▼ 1,178% |
| Investment in fixed assets (approximation) | - | €0 | -€1,066 | €0 | -€1,600 | - |
| Change in cash | - | €299,094 | -€247,639 | €378,969 | -€92,415 | ▼ 124% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-08
State Gazette act
Resignation: Philco (director)Permanent representative: Michel Looyens3 facts ▸
State Gazette act
Resignation: Philco (director)
Permanent representative: Michel Looyens3 facts ▸
- General meeting, 10-07-2026
- Director resignation, Philco (director)
- Permanent representative, Michel Looyens (permanent representative)
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet -€1.7m
Net result drops to -€1.7m, the lowest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €155,998
Net result €155,998 after one loss-making year.
31-12
Financial
Equity above €1mEq €1.1m ▲16%
Equity rises from €974,034 to €1.1m.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
11-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €392,870
Net result €392,870 after 2 loss-making years.
31-12
Financial
Equity above €1mEq €1.1m ▲68.2%
Equity rises from €669,043 to €1.1m.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Show earlier events
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 26 days late
2019
31-12
Financial
Back to profitnet €103,433
Net result €103,433 after one loss-making year.
31-12
Financial
Equity above €1mEq €1.0m ▲128%
Equity rises from €449,005 to €1.0m.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 22 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 8 acts read
About the unread acts
Of the 8 Belgian State Gazette acts we know for this company, 1 has been read. The other 7 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
no sitting director, last change in 2026
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.
Not every act has been read: a resignation may be missing here
7 of this company's 8 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Knokke-Heist · 1 establishment unit since 2005
Ground area
330 m²
Building footprint
216 m²
Volume, LiDAR
4,284 m³
Parcel 31334B0210/00G000, Flanders · tallest building 23.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Van Bunnenlaan 19, 8300 Knokke-Heist
since 20052.344.869.387
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31334B0210/00G000 | Flanders | 330 m² | 1 · 216 m² | 23.1 m · 7 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Philco |
|
Structure & network
Owners and holdings
3 owners · 3 holdingsOwners 3
-
31.67%
- Sourceaccounts NITHACO 202531.67%
- Sourceaccounts BEETLE 202430%
Holdings 3
-
50%
-
50%
-
50%
According to the 2025 annual accounts of YOUR FUTURE and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 9,699 companies in sector 68121 we hold annual accounts for 7,385. 3,770 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded29-06-2005
Fiscal year end31-12
Abbreviation NL
YF
Activities, NACEBEL 2025
68121Development of residential building projects
68122Development of non-residential building projects
63920Other information service activities
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0874734518
Also
9925:BE0874734518
Registered
05-01-2026
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.