YVH 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 €254k and a net result of €47k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 13% of 8018 sector peers (fiscal year 2025). The company has been active since 2014 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 8018 sector peers (2025).
NBB · sector comparisonPosition among 8018 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
3 d early
2021
58 d late
2020
11 d early
2019
35 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close21-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€254k▲ 22.5%
2024 · €207k
2019: €25k
2020: €214k
2021: €235k
2022: €229k
2023: €177k
2024: €207k
2019 → 2025
Net result
€47k▲ 55.9%
2024 · €30k
2019: €-7k
2020: €191k
2021: €4k
2022: €-6k
2023: €-52k
2024: €30k
2019 → 2025
Total assets
€4.11M▲ 18.1%
2024 · €3.48M
2019: €1.11M
2020: €904k
2021: €873k
2022: €812k
2023: €919k
2024: €3.48M
2019 → 2025
Solvency
6.2%▲ 0.2pp
2024 · 6.0%
2019: 2.2%
2020: 23.7%
2021: 27.0%
2022: 28.2%
2023: 19.3%
2024: 6.0%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€235k-€229k▼ 2.8%€177k▼ 22.5%€207k▲ 16.8%€254k▲ 22.5%
Operating result€9k-€-335€-33k▼ 9,684%€114k€154k▲ 35.2%
Net result€4k-€-6k€-52k▼ 695%€30k€47k▲ 55.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 35% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.11M
Fixed assets
€3.05M▲ 8.3%
Current assets
€1.07M▲ 59.6%
Equity and liabilities €4.11M
Equity
€254k▲ 22.5%
Debt
€3.86M▲ 17.9%
The debt ratio falls from 94.0% to 93.8%. Equity and debt are higher.
Key figures and ratios
Solvency
6.2%▲
2024 · 6.0%
ROE
18.3%▲
2024 · 14.4%
ROA
1.1%▲
2024 · 0.9%
Debt
€3.86M▲
2024 · €3.28M
Debt ≤ 1 year
€1.05M▲
2024 · €551k
Debt > 1 year
€2.79M▲
2024 · €2.69M
Income taxes
€9k▲
2024 · €484
Staff costs
€73k▲
2024 · €69k
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€3.48M€4.11M▲
Fixed assets21/28€2.81M€3.05M▲
Tangible fixed assets22/27€2.81M€3.05M▲
Land and buildings22€2.70M€2.95M▲
Furniture and vehicles24€39k€26k▼
Other tangible fixed assets26€80k€70k▼
Current assets29/58€668k€1.07M▲
Stocks and contracts in progress3€152k€182k▲
Stocks30/36€152k€182k▲
Amounts receivable within one year40/41€413k€524k▲
Trade receivables40€300k€330k▲
Other amounts receivable41€113k€194k▲
Cash at bank and in hand54/58€100k€356k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€3.48M€4.11M▲
Equity10/15€207k€254k▲
Contributions10/11€12k€12k=
Reserves13€23k€23k=
Non-distributable reserves130/1€1k-
Reserves not available under the articles1311€1k-
Distributable reserves133€22k€23k▲
Profit (loss) carried forward14€172k€218k▲
Amounts payable17/49€3.28M€3.86M▲
Amounts payable after more than one year17€2.69M€2.79M▲
Financial debts170/4€2.36M€2.44M▲
Other amounts payable178/9€331k€350k▲
Amounts payable within one year42/48€551k€1.05M▲
Current portion of amounts payable after more than one year42€237k€277k▲
Trade debts44€129k€485k▲
Suppliers440/4€129k€485k▲
Advances received on contracts in progress46-€44k
Taxes, remuneration and social security45€130k€60k▼
Taxes450/3€117k€39k▼
Remuneration and social security454/9€13k€21k▲
Other amounts payable47/48€55k€184k▲
Accrued charges and deferred income492/3€38k€19k▼
Income statement
Code20242025
Remuneration, social security and pensions62€69k€73k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€297k€235k▼
Other operating charges640/8€11k€23k▲
Gross operating margin9900€491k€484k▼
Operating profit (loss)9901€114k€154k▲
Financial income75/76B€1€78▲
Recurring financial income75€1€78▲
Financial charges65/66B€83k€98k▲
Recurring financial charges65€83k€98k▲
Profit (loss) for the period before taxes9903€30k€56k▲
Income taxes67/77€484€9k▲
Profit (loss) for the period9904€30k€47k▲
Profit (loss) for the period to be appropriated9905€30k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€172k€218k▲
Profit (loss) brought forward from the previous period14P€142k€172k▲
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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €30k
Net result €30k after 2 loss-making years.
31-03
Financial
Equity above €200kEq €207k ▲16.8%
Equity rises from €177k to €207k.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet €-52k
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
28-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2020
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Back to profitnet €191k
Net result €191k after one loss-making year.
31-03
Financial
Liquidity times 21current ratio 2.84
Current ratio from 0.13 to 2.84; short-term debt falls from €263k to €85k.
31-03
Financial
Equity above €200kEq €214k ▲775%
Equity rises from €25k to €214k.
2019
26-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
19-09
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Roeselare · 2 establishment units since 2014
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.
Renpaardestraat 288800 RoeselareGround area
1,709 m²
Building footprint
300 m²
Volume, LiDAR
2,045 m³
2 parcels, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
YVH
since 20142.232.047.204
YVH
since 20212.325.958.545
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36302B0942/00D000 | Flanders | 1,487 m² | 1 · 300 m² | 10.6 m · 2 fl. |
| 37010E0660/00X002 | Flanders | 222 m² | - | - |
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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 3 entries · 105,708 EUR awarded · 63,425 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 0 EUR | 63,425 EUR |
| 2024 | 1 | 105,708 EUR | 0 EUR |
Schemes
Ecologiepremie+
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,669 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-04-2014
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
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 · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:yves.vanhoyland@telenet.be
Phone:0476222036