Yves BACQUELAINE
ActiveYves BACQUELAINE has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72k and a net result of €43k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 52% of 13908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
78
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency61▲+36
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.15 in 2024), and 67.4% 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 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
32.6%
Return on assets
19.4%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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
18 d late
2024
11 d late
2023
13 d late
2022
13 d early
2021
33 d early
2020
5 d late
2019
7 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€72k▲ 147%
2024 · €29k
2018: €256k
2019: €379k
2020: €81k
2021: €220k
2022: €354k
2023: €393k
2024: €29k
2018 → 2025
Total assets
€220k▲ 19.5%
2024 · €184k
2018: €826k
2019: €936k
2020: €928k
2021: €770k
2022: €756k
2023: €545k
2024: €184k
2018 → 2025
Net result
€43k▼ 34.8%
2024 · €65k
2018: €51k
2019: €122k
2020: €-297k
2021: €139k
2022: €134k
2023: €40k
2024: €65k
2018 → 2025
Working capital
€69k▲ 185%
2024 · €24k
2018: €244k
2019: €342k
2020: €28k
2021: €150k
2022: €263k
2023: €-40k
2024: €24k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€220k-€354k▲ 60.8%€393k▲ 11.2%€29k▼ 92.6%€72k▲ 147%
Operating result€116k-€115k▼ 1.2%€91k▼ 20.5%€94k▲ 3.4%€59k▼ 37.1%
Net result€139k-€134k▼ 3.5%€40k▼ 70.4%€65k▲ 65.3%€43k▼ 34.8%
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 37% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €220k
Fixed assets
€5k▼ 9.1%
Current assets
€215k▲ 20.3%
Equity and liabilities €220k
Equity
€72k▲ 147%
Debt
€148k▼ 4.4%
The debt ratio falls from 84.3% to 67.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€60k▼
2024 · €95k
Cash flow
€43k▼
2024 · €66k
Solvency
32.6%▲
2024 · 15.7%
Current ratio
1.47▲
2024 · 1.15
Quick ratio
1.47▲
2024 · 1.15
Debt / equity
2.07▼
2024 · 5.36
ROE
59.6%▼
2024 · 226.3%
ROA
19.4%▼
2024 · 35.6%
Interest coverage
24.63▼
2024 · 33.08
Debt
€148k▼
2024 · €155k
Debt ≤ 1 year
€147k▼
2024 · €155k
Income taxes
€21k▼
2024 · €30k
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€184k€220k▲
Fixed assets21/28€5k€5k▼
Tangible fixed assets22/27€990€536▼
Furniture and vehicles24€990€536▼
Financial fixed assets28€4k€4k=
Current assets29/58€179k€215k▲
Amounts receivable within one year40/41€111k€162k▲
Trade receivables40€21k€8k▼
Other amounts receivable41€90k€154k▲
Cash at bank and in hand54/58€63k€48k▼
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€184k€220k▲
Equity10/15€29k€72k▲
Contributions10/11€12k€12k=
Reserves13€5k€5k=
Tax-exempt reserves132€4k€4k=
Distributable reserves133€1k€1k=
Profit (loss) carried forward14€11k€54k▲
Amounts payable17/49€155k€148k▼
Amounts payable within one year42/48€155k€147k▼
Trade debts44€18k€11k▼
Suppliers440/4€18k€11k▼
Taxes, remuneration and social security45€60k€59k▼
Taxes450/3€60k€59k▼
Other amounts payable47/48€77k€77k=
Accrued charges and deferred income492/3€86€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€314€454▲
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A-€281
Gross operating margin9900€96k€61k▼
Operating profit (loss)9901€94k€59k▼
Financial income75/76B€4k€7k▲
Recurring financial income75€4k€7k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€96k€64k▼
Income taxes67/77€30k€21k▼
Profit (loss) for the period9904€65k€43k▼
Profit (loss) for the period to be appropriated9905€65k€43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€54k▲
Profit (loss) brought forward from the previous period14P€-54k€11k▲
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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €139k
Net result €139k after one loss-making year.
31-12
Financial
Equity above €200kEq €220k ▲171%
Equity rises from €81k to €220k.
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
31-12
Financial
Weakest financial yearnet €-297k ▼343%
Net result drops to €-297k, the lowest in the series; recovery starts the following year.
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 7 days late
2019
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Chaudfontaine · 1 establishment unit since 1994
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 Albert et Louis Curvers 104053 ChaudfontaineGround area
4,655 m²
Building footprint
615 m²
Volume, LiDAR
5,275 m³
Parcel 62030A0056/00G012, Wallonia · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Albert et Louis Curvers 10, 4053 Chaudfontaine
since 19942.065.846.513
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62030A0056/00G012 | Wallonia | 4,655 m² | 1 · 615 m² | 12.7 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 11,702 companies in sector 68310 we hold annual accounts for 6,876. 5,063 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-1994
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.