Summary
YvKa 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 €193,092 and a net result of -€86,949. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 70% of 8102 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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 check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
9 d early
2022
65 d late
2021
81 d early
2020
129 d early
2019
33 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 9 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 28 August (4 of the last 5 filed years within 37 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€193,092▼ 31.0%
2024 · €280,041
Net result
-€86,949
2024 · €261,685
Total assets
€262,318▼ 36.3%
2024 · €411,694
Solvency
73.6%▲ 5.6pp
2024 · 68.0%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€211,227▼ 1.4%€251,337▲ 19.0%€357,860▲ 42.4%€352,397▼ 1.5%-€83,029
Net result€158,378above the sector's middle half▼ 3.6%€193,154above the sector's middle half▲ 22.0%€267,261above the sector's middle half▲ 38.4%€261,685above the sector's middle half▼ 2.1%-€86,949below the sector's middle half
Equity€257,941within the sector's middle half▲ 18.6%€451,095above the sector's middle half▲ 74.9%€318,356within the sector's middle half▼ 29.4%€280,041within the sector's middle half▼ 12.0%€193,092within the sector's middle half▼ 31.0%
Total assets€471,931within the sector's middle half▼ 15.3%€553,704within the sector's middle half▲ 17.3%€400,943within the sector's middle half▼ 27.6%€411,694within the sector's middle half▲ 2.7%€262,318within the sector's middle half▼ 36.3%
Debt€213,990▼ 37.0%€102,608▼ 52.1%€82,587▼ 19.5%€131,653▲ 59.4%€69,226▼ 47.4%
Working capital€190,016above the sector's middle half▲ 32.9%€311,235above the sector's middle half▲ 63.8%€195,716above the sector's middle half▼ 37.1%€169,839above the sector's middle half▼ 13.2%€98,357within the sector's middle half▼ 42.1%
Solvency54.7%within the sector's middle half▲ 15.6pp81.5%above the sector's middle half▲ 26.8pp79.4%above the sector's middle half▼ 2.1pp68.0%within the sector's middle half▼ 11.4pp73.6%within the sector's middle half▲ 5.6pp
Current ratio1.89within the sector's middle half▲ 0.474.03above the sector's middle half▲ 2.153.37within the sector's middle half▼ 0.662.29within the sector's middle half▼ 1.082.42within the sector's middle half▲ 0.13
Return on assets (ROA)33.6%above the sector's middle half▲ 4.1pp34.9%above the sector's middle half▲ 1.3pp66.7%above the sector's middle half▲ 31.8pp63.6%above the sector's middle half▼ 3.1pp-33.1%below the sector's middle half▼ 96.7pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 €83,029 after €352,397 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €262,318
Fixed assets
€94,735 ▼ 14.0%
Current assets
€167,583 ▼ 44.4%
Equity and liabilities €262,318
Equity
€193,092 ▼ 31.0%
Debt
€69,226 ▼ 47.4%
Debt's share of the balance-sheet total falls from 32.0% to 26.4%. Equity and debt are lower.
Key figures and ratios
ROE
-45.0%▼
2024 · 93.4%
Debt ≤ 1 year
€69,226▼
2024 · €131,653
Income taxes
€728▼
2024 · €88,977
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,038 | €18,363 | €23,951 | €21,684 | €23,095 | ▲ 6.5% |
| Other operating charges640/8 | €841 | €616 | €1,567 | €1,707 | €1,642 | ▼ 3.8% |
| Gross operating margin9900 | €226,106 | €270,316 | €383,379 | €375,787 | -€58,291 | ▼ 116% |
| Operating profit (loss)9901 | €211,227 | €251,337 | €357,860 | €352,397 | -€83,029 | ▼ 124% |
| Financial income75/76B | €578 | - | €2,783 | €2,577 | €911 | ▼ 64.6% |
| Recurring financial income75 | €578 | - | €2,783 | €2,577 | €911 | ▼ 64.6% |
| Financial charges65/66B | €207 | €328 | €5,338 | €4,312 | €4,103 | ▼ 4.8% |
| Recurring financial charges65 | €207 | €328 | €5,338 | €4,312 | €4,103 | ▼ 4.8% |
| Profit (loss) for the period before taxes9903 | €211,597 | €251,009 | €355,306 | €350,662 | -€86,221 | ▼ 125% |
| Income taxes67/77 | €53,220 | €57,854 | €88,045 | €88,977 | €728 | ▼ 99.2% |
| Profit (loss) for the period9904 | €158,378 | €193,154 | €267,261 | €261,685 | -€86,949 | ▼ 133% |
| Profit (loss) for the period to be appropriated9905 | €158,378 | €193,154 | €267,261 | €261,685 | -€86,949 | ▼ 133% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €471,931 | €553,704 | €400,943 | €411,694 | €262,318 | ▼ 36.3% |
| Fixed assets21/28 | €67,925 | €139,860 | €122,640 | €110,203 | €94,735 | ▼ 14.0% |
| Tangible fixed assets22/27 | €67,925 | €139,860 | €122,640 | €110,203 | €94,735 | ▼ 14.0% |
| Land and buildings22 | €27,989 | €104,616 | €93,300 | €80,498 | €67,697 | ▼ 15.9% |
| Plant, machinery and equipment23 | - | - | €2,600 | - | €3,409 | - |
| Furniture and vehicles24 | €39,936 | €35,244 | €26,741 | €27,105 | €21,030 | ▼ 22.4% |
| Other tangible fixed assets26 | - | - | - | €2,600 | €2,600 | = |
| Current assets29/58 | €404,006 | €413,844 | €278,303 | €301,492 | €167,583 | ▼ 44.4% |
| Amounts receivable after more than one year29 | - | - | - | - | €10,000 | - |
| Trade receivables290 | - | - | - | - | €10,000 | - |
| Amounts receivable within one year40/41 | €184,793 | €208,423 | €86,434 | €48,993 | €33,297 | ▼ 32.0% |
| Trade receivables40 | €34,793 | €55,695 | €26,287 | €33,832 | €13,838 | ▼ 59.1% |
| Other amounts receivable41 | €150,000 | €152,727 | €60,147 | €15,162 | €19,459 | ▲ 28.3% |
| Current investments50/53 | - | - | €125,000 | - | - | - |
| Cash at bank and in hand54/58 | €215,041 | €202,940 | €58,541 | €239,998 | €110,686 | ▼ 53.9% |
| Deferred charges and accrued income490/1 | €4,172 | €2,481 | €8,328 | €12,500 | €13,601 | ▲ 8.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €471,931 | €553,704 | €400,943 | €411,694 | €262,318 | ▼ 36.3% |
| Equity10/15 | €257,941 | €451,095 | €318,356 | €280,041 | €193,092 | ▼ 31.0% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €237,941 | €431,095 | €298,356 | €260,041 | €173,092 | ▼ 33.4% |
| Non-distributable reserves130/1 | €2,000 | €2,000 | - | - | - | - |
| Reserves not available under the articles1311 | €2,000 | €2,000 | - | - | - | - |
| Distributable reserves133 | €235,941 | €429,095 | €298,356 | €260,041 | €173,092 | ▼ 33.4% |
| Amounts payable17/49 | €213,990 | €102,608 | €82,587 | €131,653 | €69,226 | ▼ 47.4% |
| Amounts payable within one year42/48 | €213,990 | €102,608 | €82,587 | €131,653 | €69,226 | ▼ 47.4% |
| Financial debts43 | - | €29,227 | €16,643 | €23,534 | - | - |
| Credit institutions430/8 | - | €29,227 | €16,643 | €23,534 | - | - |
| Trade debts44 | €15,587 | €1,319 | €9,324 | €4,832 | €19,090 | ▲ 295% |
| Suppliers440/4 | €15,587 | €1,319 | €9,324 | €4,832 | €19,090 | ▲ 295% |
| Taxes, remuneration and social security45 | €78,330 | €72,062 | €56,620 | €103,287 | €50,136 | ▼ 51.5% |
| Taxes450/3 | €78,330 | €72,062 | €56,620 | €103,287 | €50,136 | ▼ 51.5% |
| Other amounts payable47/48 | €120,073 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €158,378 | €193,154 | €267,261 | €261,685 | -€86,949 | ▼ 133% |
| + Depreciation and write-downs630 | €14,038 | €18,363 | €23,951 | €21,684 | €23,095 | ▲ 6.5% |
| Operating cash flow (approximation) | €172,416 | €211,518 | €291,212 | €283,369 | -€63,854 | ▼ 123% |
| Investment in fixed assets (approximation) | - | -€90,298 | -€6,732 | -€9,246 | -€7,628 | ▲ 17.5% |
| Change in cash | - | -€12,101 | -€144,400 | €181,457 | -€129,312 | ▼ 171% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet -€86,949
Net result drops to -€86,949, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €267,261 ▲38.4%
Operating result €357,860, net result €267,261, both a record.
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 65 days late
09-02
State Gazette act
General meeting · Capital increase
Bank account · Statutes amendment · Philippe VAN HOOF
2022
31-12
Financial
Liquidity doublescurrent ratio 4.03
Current ratio from 1.89 to 4.03; short-term debt falls from €213,990 to €102,608.
11-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 33 days late
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Lummen · 1 establishment unit since 2017
Ground area
898 m²
Building footprint
185 m²
Volume, LiDAR
939 m³
Parcel 71035B0343/00T000, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
YvKa
since 20172.270.532.547
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71035B0343/00T000 | Flanders | 898 m² | 1 · 185 m² | 6.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
KZBFin
BE 0771.641.829
Antwerpen · Eq €193,101
COOMANDO
BE 0793.836.419
Haaltert · Eq €193,074
TUPET
BE 0755.903.182
Dessel · Eq €193,063
Notariële bestuursvennootschap Mieke Breyne
BE 0801.793.882
Ieper · Eq €193,061
IM Consult & Print
BE 0700.623.872
Hechtel-Eksel · Eq €193,170
Of 24,721 companies in this sector we hold annual accounts for 19,804. 13,515 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded07-12-2017
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
86931Psychology services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0685735263
Also
9925:BE0685735263
Registered
10-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.