YPM
ActiveYPM has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €16k. Equity is shrinking by ~21.2% per year across the filed fiscal years. Its solvency ranks better than 70% of 13898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
98
/ 100
Excellent▲ +20 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+95
Solvency97▼-3
Growth32=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 5.36 against 8.85 in 2024), and 43.3% 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○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
Sector 68
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
56.7%
Return on assets
12.6%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 12-01-2026, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
19 d early
2024
21 d early
2023
2 d early
2022
5 d early
2021
7 d early
2020
25 d early
2019
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€71k▼ 27.1%
2024 · €97k
2019: €280k
2020: €286k
2021: €263k
2022: €122k
2023: €115k
2024: €97k
2019 → 2025
Total assets
€125k▼ 13.4%
2024 · €145k
2019: €328k
2020: €330k
2021: €318k
2022: €173k
2023: €172k
2024: €145k
2019 → 2025
Net result
€16k▲ 1,399%
2024 · €1k
2019: €42k
2020: €6k
2021: €10k
2022: €8k
2023: €10k
2024: €1k
2019 → 2025
Working capital
€98k▼ 19.1%
2024 · €121k
2019: €276k
2020: €291k
2021: €277k
2022: €142k
2023: €136k
2024: €121k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€263k-€122k▼ 53.5%€115k▼ 6.4%€97k▼ 14.9%€71k▼ 27.1%
Operating result€17k-€15k▼ 12.9%€18k▲ 22.7%€1k▼ 91.8%€21k▲ 1,330%
Net result€10k-€8k▼ 20.0%€10k▲ 20.9%€1k▼ 89.3%€16k▲ 1,399%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,330% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€5k▼ 39.2%
Current assets
€120k▼ 11.8%
Equity and liabilities €125k
Equity
€71k▼ 27.1%
Debt
€54k▲ 14.8%
The debt ratio rises from 32.6% to 43.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€24k▲
2024 · €5k
Cash flow
€19k▲
2024 · €4k
Solvency
56.7%▼
2024 · 67.4%
Current ratio
5.36▼
2024 · 8.85
Quick ratio
5.36▼
2024 · 8.85
Debt / equity
0.76▲
2024 · 0.48
ROE
22.2%▲
2024 · 1.1%
ROA
12.6%▲
2024 · 0.7%
Interest coverage
10.73▲
2024 · 2.13
Debt
€54k▲
2024 · €47k
Debt ≤ 1 year
€22k▲
2024 · €15k
Debt > 1 year
€31k=
2024 · €31k
Income taxes
€8k▲
2024 · €2k
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€145k€125k▼
Fixed assets21/28€8k€5k▼
Tangible fixed assets22/27€8k€5k▼
Furniture and vehicles24€8k€5k▼
Current assets29/58€136k€120k▼
Amounts receivable after more than one year29€96k€96k=
Other amounts receivable291€96k€96k=
Amounts receivable within one year40/41€13k€11k▼
Trade receivables40€7k€11k▲
Other amounts receivable41€6k€0▼
Cash at bank and in hand54/58€25k€12k▼
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€145k€125k▼
Equity10/15€97k€71k▼
Contributions10/11€19k€19k=
Reserves13€79k€52k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€77k€51k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€47k€54k▲
Amounts payable after more than one year17€31k€31k=
Financial debts170/4€31k€31k=
Amounts payable within one year42/48€15k€22k▲
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€3k€9k▲
Taxes450/3€3k€9k▲
Other amounts payable47/48€9k€10k▲
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€1k€1k▲
Gross operating margin9900€6k€25k▲
Operating profit (loss)9901€1k€21k▲
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€3k€24k▲
Income taxes67/77€2k€8k▲
Profit (loss) for the period9904€1k€16k▲
Profit (loss) for the period to be appropriated9905€1k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€16k▲
Transfer from equity791/2€18k€42k▲
Transfer to equity691/2€1k€16k▲
To other reserves6921€1k€16k▲
Profit to be distributed694/7€18k€42k▲
Return on contributions (dividend)694€18k€42k▲
The notes to these accounts (5 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
12-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €1k ▼89.3%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
13-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Lievegem · 1 establishment unit since 2011
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.
Oostveld Kouter 949920 LievegemGround area
1,017 m²
Building footprint
194 m²
Volume, LiDAR
984 m³
Parcel 44452B1001/00N000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
YPM
since 20112.239.811.261
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44452B1001/00N000 | Flanders | 1,017 m² | 1 · 194 m² | 9.0 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.
Similar companies · same sector, comparable size
NOORD VASTGOED
BE 0445.331.849
Kalmthout · Eq €71k
CREALINE SL
BE 0534.576.995
Herve · Eq €71k
225 Senior HoldCo
BE 0746.605.535
Elsene · Eq €71k
CHRIMARFLOR
BE 0875.032.149
Deinze · Eq €71k
B2B-ECOBOUW
BE 0799.182.109
Brugge · Eq €71k
Of 9,635 companies in sector 68121 we hold annual accounts for 7,328. 5,167 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-10-2011
Fiscal year end30-06
Activities, NACEBEL
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.