Summary
Conclusion
the dossier summarised in one paragraphYpsilon & Partners has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €40k. Equity is growing by ~100.9% per year across the filed fiscal years. Its solvency ranks better than 60% of 2768 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Based on the State Gazette, CBE and 3 annual accounts.
Signals
2 signals · with evidenceSignals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wide| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 03-06-2026 | 58 d early | 2026-00134613 |
| 31-12-2024 | 31-07-2025 | 14-07-2025 | 17 d early | 2025-00265133 |
| 31-12-2023 | 31-07-2024 | 29-07-2024 | 2 d early | 2024-00296296 |
Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsAdministrative Flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Annual accounts & ratios
Source: NBB · 2025How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 71.4% | 62.1% | |
| Net result | €40k | €39k | |
| Equity | €75k | €62k | |
| Gross operating margin | €56k | €62k | |
| Total assets | €105k | €121k |
Show 9 other metrics
| Fiscal year | 2025 |
|---|---|
| Deposit | micro schema |
| Revenue | - |
| EBITDA | €54k |
| Net profit | €40k |
| Cash flow | €41k |
| Staff costs | - |
| Income taxes | €13k |
| Dividends | - |
| Total assets | €105k |
| Equity | €75k |
| Debt | €30k |
| of which ≤ 1y | €30k |
| of which > 1y | - |
| Working capital | €72k |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | 3.41 |
| Quick ratio | 3.41 |
| Working capital ratio | 69.0% |
| Solvency | 71.4% |
| Debt / equity | 0.40 |
| Long-term debt ratio | - |
| Interest coverage | 360.91 |
| Gross margin | - |
| Net margin | - |
| ROA | 37.9% |
| ROE | 53.1% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts (21 line items)
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €105k |
| Fixed assets | 21/28 | €3k |
| Tangible fixed assets | 22/27 | €3k |
| Current assets | 29/58 | €102k |
| Amounts receivable within one year | 40/41 | €47k |
| Cash & bank | 54/58 | €53k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €105k |
| Equity | 10/15 | €75k |
| Contributions / capital | 10/11 | €4k |
| Reserves | 13 | €31k |
| Accumulated profits (losses) | 14 | €40k |
| Amounts payable | 17/49 | €30k |
| Amounts payable within one year | 42/48 | €30k |
| Trade debts payable within one year | 44 | €772 |
| Income statement | ||
| Gross operating margin | 9900 | €56k |
| Operating result | 9901 | €53k |
| Financial charges | 65 | €150 |
| Result before taxes | 9903 | €53k |
| Income taxes | 67/77 | €13k |
| Net result for the period | 9904 | €40k |
| Result to be appropriated | 9905 | €40k |
Health barometer
FY 2025 · computedThe full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Structure & network
Locations & real estate
Registered office
from the Crossroads BankThis address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Loostraat 153670 OudsbergenEstablishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71042A0301/00D000 | Flanders | 619 m² | 1 · 171 m² | 12.5 m · 3 fl. |
Publications
Lifecycle & Insolvency Signals
Belgian State Gazette · acts
That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Financial profile
5 of 5 axes measuredExceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Credit advice
verdict per customer and amountSimilar
Similar companies
Comparable size, same sectorCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameNL | Ypsilon & Partners |
| AbbreviationNL | Y & P |