YVES CHARLES
ActiveYVES CHARLES has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €10k. Its solvency ranks better than 52% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +77 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency98▲+44
Growth78
Stability82
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.21), and 42% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
58%
Return on assets
49.2%
Age of the figures
8 mo
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 28-07-2026, 3 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
3 d early
2024
29 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
€12k▲ 563%
2024 · €2k
2024: €2k
2024 → 2025
Total assets
€20k▲ 301%
2024 · €5k
2024: €5k
2024 → 2025
Net result
€10k
2024 · €-3k
2024: €-3k
2024 → 2025
Working capital
€10k
2024 · €-133
2024: €-133
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€2k-€12k▲ 563%
Operating result€-3k-€12k
Net result€-3k-€10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €12k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €20k
Equity
€12k▲ 563%
Debt
€8k▲ 159%
The debt ratio falls from 65.0% to 42.0%: equity grows faster than debt.
Key figures and ratios
EBITDA
€12k▲
2024 · €-3k
Cash flow
€10k▲
2024 · €-3k
Solvency
58.0%
Current ratio
2.21
Quick ratio
2.21
Debt / equity
0.72
ROE
84.9%
ROA
49.2%
Interest coverage
136.14▲
2024 · -253.92
Debt
€8k▲
2024 · €3k
Debt ≤ 1 year
€8k▲
2024 · €3k
Income taxes
€2k▲
2024 · €150
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€5k€20k▲
Formation expenses20€2k€1k▼
Current assets29/58€3k€18k▲
Amounts receivable within one year40/41€2k€18k▲
Trade receivables40-€18k
Other amounts receivable41€2k-
Cash at bank and in hand54/58€799€104▼
Equity and liabilities
Total equity and liabilities10/49€5k€20k▲
Equity10/15€2k€12k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-3k€7k▲
Amounts payable17/49€3k€8k▲
Amounts payable within one year42/48€3k€8k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€150€5k▲
Taxes450/3€150€5k▲
Other amounts payable47/48-€659
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€182€411▲
Other operating charges640/8€388€699▲
Gross operating margin9900€-3k€13k▲
Operating profit (loss)9901€-3k€12k▲
Financial income75/76B€61-
Recurring financial income75€61-
Financial charges65/66B€12€90▲
Recurring financial charges65€12€90▲
Profit (loss) for the period before taxes9903€-3k€12k▲
Income taxes67/77€150€2k▲
Profit (loss) for the period9904€-3k€10k▲
Profit (loss) for the period to be appropriated9905€-3k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€7k▲
Profit (loss) brought forward from the previous period14P-€-3k
The notes to these accounts (1 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.21
Current ratio from 0.96 to 2.21.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Visé · 1 establishment unit since 2024
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 des Cyclistes Frontière(VIS) 244600 ViséGround area
3,027 m²
Building footprint
810 m²
Volume, LiDAR
4,997 m³
2 parcels, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
YVES CHARLES
since 20242.368.726.736
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62108B0254/00Z000 | Wallonia | 2,866 m² | 1 · 744 m² | 8.0 m · 2 fl. |
| 25069D0160/00B000 | Wallonia | 161 m² | 1 · 66 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 24,477 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-07-2024
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.