YOWA
ActiveYOWA has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €12k. Equity is growing by ~64% per year across the filed fiscal years. Its solvency ranks better than 41% of 1275 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency6▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.43 against 0.38 in 2024), and 90.8% 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 · 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
9.2%
Return on assets
5.9%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← 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
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 01-07-2026, 30 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
30 d early
2024
50 d early
2023
20 d early
2022
53 d early
2021
38 d early
2020
43 d early
2019
21 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
10-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▲ 12.7%
2024 · €17k
2019: €-12k
2020: €-34k
2021: €-32k
2022: €-16k
2023: €2k
2024: €17k
2019 → 2025
Total assets
€203k▼ 2.8%
2024 · €209k
2019: €150k
2020: €203k
2021: €202k
2022: €213k
2023: €199k
2024: €209k
2019 → 2025
Net result
€12k▼ 16.2%
2024 · €14k
2019: €-31k
2020: €-22k
2021: €2k
2022: €16k
2023: €18k
2024: €14k
2019 → 2025
Working capital
€-66k▲ 9.5%
2024 · €-73k
2019: €-30k
2020: €-127k
2021: €-120k
2022: €-98k
2023: €-88k
2024: €-73k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-32k-€-16k▲ 50.1%€2k€17k▲ 624%€19k▲ 12.7%
Operating result€4k-€18k▲ 297%€20k▲ 13.6%€16k▼ 19.8%€18k▲ 11.5%
Net result€2k-€16k▲ 632%€18k▲ 15.2%€14k▼ 23.1%€12k▼ 16.2%
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 12% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €203k
Fixed assets
€153k▼ 6.3%
Current assets
€50k▲ 9.7%
Equity and liabilities €203k
Equity
€19k▲ 12.7%
Debt
€184k▼ 4.2%
The debt ratio falls from 92.1% to 90.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€31k▲
2024 · €29k
Cash flow
€25k▼
2024 · €27k
Solvency
9.2%▲
2024 · 7.9%
Current ratio
0.43▲
2024 · 0.38
Quick ratio
0.43▲
2024 · 0.38
Debt / equity
9.91▼
2024 · 11.66
ROE
64.1%▼
2024 · 86.2%
ROA
5.9%▼
2024 · 6.8%
Interest coverage
16.12▲
2024 · 14.18
Debt
€184k▼
2024 · €192k
Debt ≤ 1 year
€116k▼
2024 · €119k
Debt > 1 year
€68k▼
2024 · €73k
Income taxes
€4k
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€209k€203k▼
Fixed assets21/28€163k€153k▼
Tangible fixed assets22/27€163k€153k▼
Land and buildings22€160k€149k▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€1k€997▼
Current assets29/58€46k€50k▲
Amounts receivable within one year40/41€5k€5k▼
Trade receivables40€0-
Other amounts receivable41€5k€5k▼
Cash at bank and in hand54/58€39k€43k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€209k€203k▼
Equity10/15€17k€19k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-2k€0▲
Amounts payable17/49€192k€184k▼
Amounts payable after more than one year17€73k€68k▼
Financial debts170/4€73k€68k▼
Amounts payable within one year42/48€119k€116k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Advances received on contracts in progress46€11k€16k▲
Taxes, remuneration and social security45€874€815▼
Taxes450/3€874€815▼
Other amounts payable47/48€100k€90k▼
Accrued charges and deferred income492/3€347€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€31k€33k▲
Operating profit (loss)9901€16k€18k▲
Financial income75/76B€6€89▲
Recurring financial income75€6€89▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€14k€16k▲
Income taxes67/77-€4k
Profit (loss) for the period9904€14k€12k▼
Profit (loss) for the period to be appropriated9905€14k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€10k▲
Profit (loss) brought forward from the previous period14P€-16k€-2k▲
Profit to be distributed694/7-€10k
Return on contributions (dividend)694-€10k
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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €18k ▲15.2%
Operating result €20k, net result €18k, both a record.
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 directors, last change in 2023
DEKOCKER Debbie Gerda Martha
CurrentDirector · since 14-11-2023
DURINCK Kurt Cyriel Julien
CurrentDirector · since 14-11-2023
14-11-2023
DEKOCKER Debbie Gerda Martha: Appointed as Director
14-11-2023
DURINCK Kurt Cyriel Julien: Appointed as Director
Not every act has been read: a resignation may be missing here
2 of this company's 2 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, Laarne · 1 establishment unit since 2018
Ground area
2,627 m²
Building footprint
233 m²
Volume, LiDAR
893 m³
Parcel 42009B0676/00D000, Flanders · tallest building 6.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
De Kasseihoeve
since 20182.272.608.743
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42009B0676/00D000 | Flanders | 2,627 m² | 1 · 233 m² | 6.4 m · 1 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 2,990 companies in sector 55203 we hold annual accounts for 687. 398 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2018
Fiscal year end31-12
Activities, NACEBEL
55203Holiday cottages, homes and apartments
55204Guest rooms (bed and breakfast)
56210Event catering
77210Renting and leasing of sports and recreation goods
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.