YPA CONSULT
ActiveYPA CONSULT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113k and a net result of €39k. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 44% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-4
Solvency78▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.76 against 2.77 in 2024; short-term debt: 36.3% and cash: 7.4% of total assets), and 46.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
53.2%
Return on assets
18.3%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-05-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
77 d early
2023
615 d late
2022
31 d early
2021
145 d early
2020
49 d early
2019
108 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€113k▼ 5.1%
2024 · €119k
2018: €8k
2019: €28k
2020: €45k
2021: €123k
2022: €129k
2023: €121k
2024: €119k
2018 → 2025
Total assets
€213k▼ 3.9%
2024 · €222k
2018: €127k
2019: €147k
2020: €152k
2021: €287k
2022: €253k
2023: €226k
2024: €222k
2018 → 2025
Net result
€39k▼ 19.8%
2024 · €49k
2018: €-15k
2019: €30k
2020: €42k
2021: €143k
2022: €71k
2023: €47k
2024: €49k
2018 → 2025
Working capital
€136k▼ 4.1%
2024 · €142k
2018: €7k
2019: €77k
2020: €92k
2021: €142k
2022: €150k
2023: €142k
2024: €142k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€123k-€129k▲ 5.2%€121k▼ 6.5%€119k▼ 1.2%€113k▼ 5.1%
Operating result€200k-€102k▼ 49.2%€68k▼ 32.9%€69k▲ 1.2%€61k▼ 11.6%
Net result€143k-€71k▼ 50.1%€47k▼ 34.6%€49k▲ 4.0%€39k▼ 19.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 12% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €213k
Equity
€113k▼ 5.1%
Debt
€100k▼ 2.5%
The debt ratio rises from 46.1% to 46.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€61k▼
2024 · €70k
Cash flow
€39k▼
2024 · €49k
Solvency
53.2%▼
2024 · 53.9%
Current ratio
2.76▼
2024 · 2.77
Quick ratio
2.76▼
2024 · 2.77
Debt / equity
0.88▲
2024 · 0.86
ROE
34.4%▼
2024 · 40.7%
ROA
18.3%▼
2024 · 21.9%
Interest coverage
30.47▼
2024 · 36.36
Debt
€100k▼
2024 · €102k
Debt ≤ 1 year
€77k▼
2024 · €80k
Debt > 1 year
€22k=
2024 · €22k
Income taxes
€22k▲
2024 · €20k
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€222k€213k▼
Fixed assets21/28€307€0▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€307€0▼
Furniture and vehicles24€307€0▼
Current assets29/58€221k€213k▼
Amounts receivable within one year40/41€16k€9k▼
Trade receivables40€16k€9k▼
Other amounts receivable41€0€0=
Current investments50/53€188k€188k=
Cash at bank and in hand54/58€17k€16k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€222k€213k▼
Equity10/15€119k€113k▼
Contributions10/11€12k€12k=
Outside capital11€12k-
Other1109/19€12k-
Reserves13€12k€51k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€10k€10k=
Distributable reserves133-€39k
Profit (loss) carried forward14€95k€50k▼
Amounts payable17/49€102k€100k▼
Amounts payable after more than one year17€22k€22k=
Other amounts payable178/9€22k€22k=
Amounts payable within one year42/48€80k€77k▼
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€40k€40k▲
Taxes450/3€40k€40k▲
Remuneration and social security454/9€0€0=
Other amounts payable47/48€36k€33k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€609€307▼
Gross operating margin9900€70k€61k▼
Operating profit (loss)9901€69k€61k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€69k€61k▼
Income taxes67/77€20k€22k▲
Profit (loss) for the period9904€49k€39k▼
Profit (loss) for the period to be appropriated9905€49k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€145k€134k▼
Profit (loss) brought forward from the previous period14P€97k€95k▼
Transfer to equity691/2-€39k
To the legal reserve6920-€39k
Profit to be distributed694/7€50k€45k▼
Return on contributions (dividend)694€50k€45k▼
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
31-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
05-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 615 days late
2025
12-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
06-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-09
Financial
Highest result since 2018net €143k ▲240%
Operating result €200k, net result €143k, both a record.
30-09
Financial
Equity above €100kEq €123k ▲175%
3 profitable years in a row build equity to €123k.
12-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
30-09
Financial
Liquidity quadruplescurrent ratio 4.97
Current ratio from 1.11 to 4.97; short-term debt falls from €69k to €19k.
17-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Courcelles · 1 establishment unit since 2006
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.
Rue Joseph Vanderick(CO) 796180 CourcellesGround area
2,097 m²
Building footprint
198 m²
Volume, LiDAR
1,052 m³
Parcel 52015C1138/00A002, Wallonia · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
YPA CONSULT
since 20062.158.154.879
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52015C1138/00A002 | Wallonia | 2,097 m² | 1 · 198 m² | 9.5 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.
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,539 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-12-2006
Fiscal year end30-09
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
47740Retail trade
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.