Your Future Solutions
ActiveYour Future Solutions has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63k and a net result of €138k. Equity is growing by ~31% per year across the filed fiscal years. Its solvency ranks better than 28% of 315 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+17
Solvency32▼-8
Growth85=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.72 against 0.83 in 2024; short-term debt: 89% and cash: 21.1% of total assets), and 92.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
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
7.4%
Return on assets
16.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 5 filingsDeviation from the deadline
2025
19 d late
2024
16 d early
2023
1 d early
2022
31 d late
2021
171 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€2.70M▲ 94.5%
2022 · €1.39M
2021: €814k
2022: €1.39M
2021 → 2023
EBIT margin
8.8%▲ 15.9pp
2022 · -7.1%
2021: 1.0%
2022: -7.1%
2021 → 2023
Net result
€138k▲ 135%
2024 · €59k
2021: €8k
2022: €-104k
2023: €122k
2024: €59k
2021 → 2025
Working capital
€-213k▼ 176%
2024 · €-77k
2021: €15k
2022: €-167k
2023: €-74k
2024: €-77k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€814k-€1.39M▲ 70.4%€2.70M▲ 94.5%
Equity€18k-€-86k€36k€95k▲ 162%€63k▼ 33.7%
Operating result€9k-€-98k€238k€173k▼ 27.2%€288k▲ 66.5%
Net result€8k-€-104k€122k€59k▼ 52.0%€138k▲ 135%
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 recovers in 2025; 2025 is 66% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €856k
Fixed assets
€307k▲ 34.1%
Current assets
€549k▲ 42.8%
Equity and liabilities €856k
Equity
€63k▼ 33.7%
Debt
€793k▲ 52.9%
The debt ratio rises from 84.5% to 92.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€320k▲
2024 · €206k
Cash flow
€170k▲
2024 · €92k
Solvency
7.4%▼
2024 · 15.5%
Current ratio
0.72▼
2024 · 0.83
Quick ratio
0.72▼
2024 · 0.83
Debt / equity
12.60▲
2024 · 5.46
ROE
219.2%▲
2024 · 61.8%
ROA
16.1%▲
2024 · 9.6%
Interest coverage
5.10▲
2024 · 4.01
Debt
€793k▲
2024 · €519k
Debt ≤ 1 year
€762k▲
2024 · €461k
Debt > 1 year
€31k▼
2024 · €57k
Income taxes
€90k▲
2024 · €64k
Staff costs
€2.96M▲
2024 · €2.58M
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€614k€856k▲
Fixed assets21/28€229k€307k▲
Intangible fixed assets21€10k€18k▲
Tangible fixed assets22/27€213k€210k▼
Plant, machinery and equipment23€429€259▼
Furniture and vehicles24€69k€74k▲
Other tangible fixed assets26€144k€136k▼
Financial fixed assets28€6k€78k▲
Current assets29/58€385k€549k▲
Amounts receivable within one year40/41€274k€337k▲
Trade receivables40€160k€274k▲
Other amounts receivable41€115k€64k▼
Cash at bank and in hand54/58€108k€180k▲
Deferred charges and accrued income490/1€2k€31k▲
Equity and liabilities
Total equity and liabilities10/49€614k€856k▲
Equity10/15€95k€63k▼
Contributions10/11€10k€10k=
Reserves13€50k€50k=
Distributable reserves133€50k€50k=
Profit (loss) carried forward14€35k€3k▼
Amounts payable17/49€519k€793k▲
Amounts payable after more than one year17€57k€31k▼
Financial debts170/4€57k€31k▼
Amounts payable within one year42/48€461k€762k▲
Current portion of amounts payable after more than one year42€40k€27k▼
Trade debts44€185k€254k▲
Suppliers440/4€185k€254k▲
Taxes, remuneration and social security45€237k€310k▲
Taxes450/3€49k€76k▲
Remuneration and social security454/9€188k€235k▲
Other amounts payable47/48-€170k
Accrued charges and deferred income492/3-€24
Income statement
Code20242025
Remuneration, social security and pensions62€2.58M€2.96M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€32k▼
Other operating charges640/8€27k€33k▲
Gross operating margin9900€2.82M€3.32M▲
Operating profit (loss)9901€173k€288k▲
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€51k€63k▲
Recurring financial charges65€51k€63k▲
Profit (loss) for the period before taxes9903€123k€228k▲
Income taxes67/77€64k€90k▲
Profit (loss) for the period9904€59k€138k▲
Profit (loss) for the period to be appropriated9905€59k€138k▲
Appropriation of the result
Profit (loss) to be appropriated9906€65k€173k▲
Profit (loss) brought forward from the previous period14P€6k€35k▲
Transfer to equity691/2€30k€0▼
To other reserves6921€30k€0▼
Profit to be distributed694/7-€170k
Return on contributions (dividend)694-€170k
Social balance
Average headcount (FTE)9087-41.6
The notes to these accounts (24 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
2025
31-12
Financial
Highest result since 2021net €138k ▲135%
Operating result €288k, net result €138k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €122k
Net result €122k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-104k ▼1389%
Net result drops to €-104k, the lowest in the series; recovery starts the following year.
10-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Waregem · 2 establishment units since 2021
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.
Kortrijkseweg 898791 WaregemGround area
1,121 m²
Building footprint
393 m²
Volume, LiDAR
1,196 m³
2 parcels, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Your Future Solutions
since 20212.321.505.354
Future Solutions
since 20222.339.025.039
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71306G0221/00W159 | Flanders | 857 m² | 1 · 172 m² | - |
| 34006A0065/00M002 | Flanders | 264 m² | 1 · 221 m² | 10.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 to 2025 · 7 entries · 41,570 EUR awarded · 42,538 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 19,673 EUR | 19,673 EUR |
| 2024 | 2 | 11,952 EUR | 12,920 EUR |
| 2023 | 2 | 2,445 EUR | 2,445 EUR |
| 2022 | 1 | 7,500 EUR | 7,500 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
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Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 1,076 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-2020
Fiscal year end31-12
Activities, NACEBEL
78100Employment placement agencies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.