Yves Cologne
ActiveYves Cologne has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €54k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 11323 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-16
Solvency30▲+17
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.04 against 0.9 in 2024; short-term debt: 94% and cash: 18.8% of total assets), and 94.9% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
5.1%
Return on assets
12.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 11323 sector peers (2025).
NBB · sector comparisonPosition among 11323 sector peers
Solvency
better than 22%
← weakest
strongest →
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 · 10 filingsDeviation from the deadline
2025
3 d early
2024
on the day
2023
23 d early
2022
14 d early
2021
12 d early
2020
90 d late
2019
87 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k
2024 · €-32k
2018: €-21k
2019: €-41k
2020: €11k
2021: €68k
2022: €54k
2023: €-103k
2024: €-32k
2018 → 2025
Total assets
€435k▲ 56.1%
2024 · €279k
2018: €220k
2019: €203k
2020: €210k
2021: €238k
2022: €181k
2023: €746
2024: €279k
2018 → 2025
Net result
€54k▼ 23.7%
2024 · €71k
2018: €24k
2019: €-19k
2020: €52k
2021: €56k
2022: €-14k
2023: €-157k
2024: €71k
2018 → 2025
Working capital
€16k
2024 · €-32k
2018: €-59k
2019: €-51k
2020: €15k
2021: €35k
2022: €30k
2023: €-103k
2024: €-32k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€68k-€54k▼ 20.7%€-103k€-32k▲ 68.9%€22k
Operating result€69k-€-3k€-152k▼ 4,304%€72k€55k▼ 23.8%
Net result€56k-€-14k€-157k▼ 1,024%€71k€54k▼ 23.7%
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 24% below 2024.
Balance-sheet composition
Assets €435k
Fixed assets
€10k
Current assets
€426k
Equity and liabilities €435k
Equity
€22k
Debt
€413k
Debt finances 94.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€57k
Cash flow
€56k
Solvency
5.1%▲
2024 · -11.5%
Current ratio
1.04▲
2024 · 0.90
Quick ratio
0.22▼
2024 · 0.30
Debt / equity
18.63▲
2024 · -9.67
ROE
245.0%
ROA
12.5%▼
2024 · 25.5%
Interest coverage
129.35
Debt
€413k▲
2024 · €311k
Debt ≤ 1 year
€409k▲
2024 · €311k
Debt > 1 year
€4k
Income taxes
€58▼
2024 · €140
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€279k€435k▲
Fixed assets21/28-€10k
Tangible fixed assets22/27-€10k
Furniture and vehicles24-€10k
Current assets29/58€279k€426k▲
Stocks and contracts in progress3€185k€334k▲
Stocks30/36€185k€334k▲
Amounts receivable within one year40/41€46k€8k▼
Trade receivables40€35k€8k▼
Other amounts receivable41€12k€240▼
Cash at bank and in hand54/58€47k€82k▲
Deferred charges and accrued income490/1€276€2k▲
Equity and liabilities
Total equity and liabilities10/49€279k€435k▲
Equity10/15€-32k€22k▲
Contributions10/11€20k€20k=
Reserves13€116k€116k=
Tax-exempt reserves132€10k€10k=
Distributable reserves133€106k€106k=
Profit (loss) carried forward14€-169k€-114k▲
Amounts payable17/49€311k€413k▲
Amounts payable after more than one year17-€4k
Financial debts170/4-€4k
Amounts payable within one year42/48€311k€409k▲
Current portion of amounts payable after more than one year42-€6k
Trade debts44€103k€132k▲
Suppliers440/4€103k€132k▲
Advances received on contracts in progress46-€22k
Taxes, remuneration and social security45€2k€11k▲
Taxes450/3€2k€11k▲
Other amounts payable47/48€207k€239k▲
Accrued charges and deferred income492/3€4-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€2k
Other operating charges640/8€839€834▼
Gross operating margin9900€73k€58k▼
Operating profit (loss)9901€72k€55k▼
Financial income75/76B€3€2▼
Recurring financial income75€3€2▼
Financial charges65/66B€655€438▼
Recurring financial charges65€655€438▼
Profit (loss) for the period before taxes9903€71k€54k▼
Income taxes67/77€140€58▼
Profit (loss) for the period9904€71k€54k▼
Profit (loss) for the period to be appropriated9905€71k€54k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-169k€-114k▲
Profit (loss) brought forward from the previous period14P€-240k€-169k▲
The notes to these accounts (8 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
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €71k
Net result €71k after 2 loss-making years.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-157k
Net result drops to €-157k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
31-12
Financial
Back to profitnet €52k
Net result €52k after one loss-making year.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
17-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 48 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Sint-Truiden · 1 establishment unit since 1998
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.
Tongersesteenweg 156/B3800 Sint-TruidenGround area
4,589 m²
Building footprint
1,216 m²
Volume, LiDAR
5,621 m³
Parcel 71009A0066/00E000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cologne Yves
since 19982.089.748.501
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71009A0066/00E000 | Flanders | 4,589 m² | 1 · 1,216 m² | 9.8 m · 2 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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BE 1000.338.135
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Of 2,128 companies in sector 46711 we hold annual accounts for 1,126. 599 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-08-1998
Fiscal year end31-12
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95319Other maintenance and repair of motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.