Yuman Capital
ActiveYuman Capital has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €394k and a net result of €-23k. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 52% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▼-74
Solvency83▼-17
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 2.34 against 5.46 in 2024; short-term debt: 41.6% and cash: 0% of total assets), and 41.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 01-06-2026, 60 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
60 d early
2024
92 d late
2023
57 d late
2022
76 d late
2021
32 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€394k▼ 5.6%
2024 · €417k
2021: €229k
2022: €302k
2023: €338k
2024: €417k
2021 → 2025
Total assets
€674k▲ 33.2%
2024 · €506k
2021: €340k
2022: €483k
2023: €442k
2024: €506k
2021 → 2025
Net result
€-23k
2024 · €80k
2021: €219k
2022: €80k
2023: €36k
2024: €80k
2021 → 2025
Working capital
€376k▼ 5.4%
2024 · €397k
2021: €218k
2022: €274k
2023: €312k
2024: €397k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€229k-€302k▲ 31.7%€338k▲ 11.8%€417k▲ 23.6%€394k▼ 5.6%
Operating result€319k-€138k▼ 56.8%€74k▼ 46.2%€106k▲ 43.0%€-28k
Net result€219k-€80k▼ 63.6%€36k▼ 55.3%€80k▲ 123%€-23k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €28k after €106k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €674k
Fixed assets
€18k▼ 9.5%
Current assets
€656k▲ 34.9%
Equity and liabilities €674k
Equity
€394k▼ 5.6%
Debt
€280k▲ 215%
The debt ratio rises from 17.6% to 41.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-18k▼
2024 · €116k
Cash flow
€-13k▼
2024 · €90k
Solvency
58.4%▼
2024 · 82.4%
Current ratio
2.34▼
2024 · 5.46
Quick ratio
2.34▼
2024 · 5.46
Debt / equity
0.71▲
2024 · 0.21
ROE
-6.0%▼
2024 · 19.1%
ROA
-3.5%▼
2024 · 15.7%
Interest coverage
-1.21▼
2024 · 11.46
Debt
€280k▲
2024 · €89k
Debt ≤ 1 year
€280k▲
2024 · €89k
Income taxes
€11k▼
2024 · €44k
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€506k€674k▲
Fixed assets21/28€20k€18k▼
Intangible fixed assets21-€5k
Tangible fixed assets22/27€20k€13k▼
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€6k€3k▼
Current assets29/58€486k€656k▲
Amounts receivable after more than one year29€139k€139k=
Other amounts receivable291€139k€139k=
Amounts receivable within one year40/41€286k€492k▲
Trade receivables40€2k€125k▲
Other amounts receivable41€284k€367k▲
Current investments50/53€39k€475▼
Cash at bank and in hand54/58€7k€107▼
Deferred charges and accrued income490/1€15k€24k▲
Equity and liabilities
Total equity and liabilities10/49€506k€674k▲
Equity10/15€417k€394k▼
Contributions10/11€10k€10k=
Reserves13€407k€384k▼
Distributable reserves133€407k€384k▼
Amounts payable17/49€89k€280k▲
Amounts payable within one year42/48€89k€280k▲
Financial debts43-€200k
Credit institutions430/8-€200k
Trade debts44€14k€20k▲
Suppliers440/4€14k€20k▲
Taxes, remuneration and social security45€75k€60k▼
Taxes450/3€75k€60k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€120k€-16k▼
Operating profit (loss)9901€106k€-28k▼
Financial income75/76B€27k€31k▲
Recurring financial income75€27k€31k▲
Financial charges65/66B€10k€15k▲
Recurring financial charges65€10k€15k▲
Profit (loss) for the period before taxes9903€123k€-13k▼
Income taxes67/77€44k€11k▼
Profit (loss) for the period9904€80k€-23k▼
Profit (loss) for the period to be appropriated9905€80k€-23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€80k€-23k▼
Transfer from equity791/2-€23k
Transfer to equity691/2€80k€0▼
To other reserves6921€80k€0▼
The notes to these accounts (19 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-23k ▼129%
Net result drops to €-23k, the lowest in the series.
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
15-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 76 days late
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Schilde · 1 establishment unit since 2020
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.
Biekenshei 212970 SchildeGround area
2,480 m²
Building footprint
217 m²
Volume, LiDAR
1,993 m³
Parcel 11041B0160/00T000, Flanders · tallest building 20.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Yuman Capital
since 20202.309.587.915
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041B0160/00T000 | Flanders | 2,480 m² | 1 · 217 m² | 20.7 m · 3 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 82,569 companies in sector 70200 we hold annual accounts for 52,573. 36,480 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-11-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.