Ytram is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €157k and a net result of €93k. Equity is growing by ~22.3% per year across the filed fiscal years. Its solvency ranks better than 92% of 5527 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 14-07-2026, 17 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
17 d early
2024
59 d early
2023
27 d early
2022
32 d early
2021
27 d early
2020
31 d early
2019
18 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€157k▼ 32.8%
2024 · €234k
2019: €46k
2020: €89k
2021: €150k
2022: €164k
2023: €211k
2024: €234k
2019 → 2025
Net result
€93k▲ 46.6%
2024 · €64k
2019: €34k
2020: €43k
2021: €61k
2022: €418k
2023: €71k
2024: €64k
2019 → 2025
Total assets
€163k▼ 40.9%
2024 · €275k
2019: €59k
2020: €112k
2021: €188k
2022: €187k
2023: €239k
2024: €275k
2019 → 2025
Solvency
96.7%▲ 11.7pp
2024 · 85.0%
2019: 77.7%
2020: 79.6%
2021: 80.0%
2022: 87.5%
2023: 88.5%
2024: 85.0%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€150k-€164k▲ 9.2%€211k▲ 29.0%€234k▲ 10.6%€157k▼ 32.8%
Operating result€65k-€63k▼ 2.7%€82k▲ 29.1%€80k▼ 1.8%€119k▲ 48.0%
Net result€61k-€418k▲ 586%€71k▼ 83.0%€64k▼ 10.3%€93k▲ 46.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 48% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €163k
Fixed assets
€5k▼ 49.3%
Current assets
€157k▼ 40.6%
Equity and liabilities €163k
Equity
€157k▼ 32.8%
Debt
€5k▼ 87.1%
The debt ratio falls from 15.0% to 3.3%. Equity and debt are lower.
Key figures and ratios
Solvency
96.7%▲
2024 · 85.0%
ROE
59.4%▲
2024 · 27.2%
ROA
57.4%▲
2024 · 23.1%
Debt
€5k▼
2024 · €41k
Debt ≤ 1 year
€5k▼
2024 · €41k
Income taxes
€25k▲
2024 · €17k
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€275k€163k▼
Fixed assets21/28€11k€5k▼
Tangible fixed assets22/27€11k€5k▼
Plant, machinery and equipment23€975€508▼
Furniture and vehicles24€10k€5k▼
Current assets29/58€265k€157k▼
Amounts receivable within one year40/41€27k€32k▲
Trade receivables40€16k€30k▲
Other amounts receivable41€11k€2k▼
Current investments50/53€139k€105k▼
Cash at bank and in hand54/58€98k€19k▼
Deferred charges and accrued income490/1€350€705▲
Equity and liabilities
Total equity and liabilities10/49€275k€163k▼
Equity10/15€234k€157k▼
Contributions10/11€19k€19k=
Reserves13€215k€139k▼
Distributable reserves133€215k€139k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€41k€5k▼
Amounts payable within one year42/48€41k€5k▼
Financial debts43€43€137▲
Credit institutions430/8€43€0▼
Other loans439-€137
Trade debts44€120€2k▲
Suppliers440/4€120€2k▲
Taxes, remuneration and social security45€37€3k▲
Taxes450/3€37€37=
Remuneration and social security454/9€0€3k▲
Other amounts payable47/48€41k€516▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€1k€679▼
Gross operating margin9900€87k€125k▲
Operating profit (loss)9901€80k€119k▲
Financial income75/76B€169€0▼
Recurring financial income75€169€0▼
Financial charges65/66B€114€119▲
Recurring financial charges65€114€119▲
Profit (loss) for the period before taxes9903€80k€119k▲
Income taxes67/77€17k€25k▲
Profit (loss) for the period9904€64k€93k▲
Profit (loss) for the period to be appropriated9905€64k€93k▲
Appropriation of the result
Profit (loss) to be appropriated9906€64k€93k▲
Transfer from equity791/2-€170k
Transfer to equity691/2€23k€93k▲
To other reserves6921€23k€93k▲
Profit to be distributed694/7€41k€170k▲
Return on contributions (dividend)694€41k€170k▲
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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 5current ratio 29.45
Current ratio from 6.39 to 29.45; short-term debt falls from €41k to €5k.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €200kEq €211k ▲29%
5 profitable years in a row build equity to €211k.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2019net €418k ▲586%
Net result €418k, the highest in the series.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €150kEq €150k ▲68.3%
3 profitable years in a row build equity to €150k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
13-07
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.
Directors · office · real estate
Directors
3 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, Etterbeek · 1 establishment unit since 2019
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.
Charles Degrouxstraat 107C1040 EtterbeekGround area
309 m²
Building footprint
141 m²
Volume, LiDAR
1,503 m³
Parcel 21005A0496/00H002, Brussels · tallest building 17.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Ytram
since 20192.285.391.759
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21005A0496/00H002 | Brussels | 309 m² | 1 · 141 m² | 17.4 m · 4 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 24,728 companies in sector 64210 we hold annual accounts for 19,764. 13,316 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
33200Installation of industrial machinery and equipment
56210Event catering
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
66199Other activities auxiliary to financial services, excluding insurance and pension funding
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
73110Advertising agencies
74901Other professional, scientific and technical activities
74991Agents and managers of artists, athletes and other public figures
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82190Office administrative, office support and other business support activities
82300Organisation of conventions and trade shows
82990Other business support services
85599Other education
90021Arts creation and performing arts activities
90391Promotion and organisation of arts and performing arts events
93199Other sports activities
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.