YANNICK OSTYN 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 €414k and a net result of €261k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 60% of 5521 sector peers (fiscal year 2025). The company has been active since 2008 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.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €414k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
30 d late
2023
43 d late
2022
58 d late
2021
45 d early
2020
44 d early
2019
22 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€414k▲ 171%
2024 · €152k
2018: €150k
2019: €152k
2020: €153k
2021: €152k
2022: €151k
2023: €154k
2024: €152k
2018 → 2025
Net result
€261k
2024 · €-1k
2018: €2k
2019: €2k
2020: €42
2021: €-424
2022: €-637
2023: €2k
2024: €-1k
2018 → 2025
Total assets
€662k▲ 70.9%
2024 · €387k
2018: €387k
2019: €387k
2020: €387k
2021: €387k
2022: €389k
2023: €395k
2024: €387k
2018 → 2025
Solvency
62.5%▲ 23.1pp
2024 · 39.4%
2018: 38.9%
2019: 39.4%
2020: 39.4%
2021: 39.3%
2022: 38.9%
2023: 38.9%
2024: 39.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2k
Equity€152k-€151k▼ 0.4%€154k▲ 1.5%€152k▼ 0.9%€414k▲ 171%
Operating result€-17-€-226▼ 1,219%€4k€-779€-8k▼ 881%
Net result€-424-€-637▼ 50.1%€2k€-1k€261k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2025 against €779 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €662k
Fixed assets
€387k=
Current assets
€275k▲ 106,296%
Equity and liabilities €662k
Equity
€414k▲ 171%
Debt
€248k▲ 5.8%
The debt ratio falls from 60.6% to 37.5%. Equity and debt are higher.
Key figures and ratios
Solvency
62.5%▲
2024 · 39.4%
ROE
63.1%▲
2024 · -0.9%
ROA
39.5%▲
2024 · -0.3%
Debt
€248k▲
2024 · €235k
Debt ≤ 1 year
€248k▲
2024 · €235k
Income taxes
€26k▲
2024 · €116
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€387k€662k▲
Fixed assets21/28€387k€387k=
Financial fixed assets28€387k€387k=
Current assets29/58€258€275k▲
Stocks and contracts in progress3-€154k
Stocks30/36-€154k
Amounts receivable within one year40/41€6€55k▲
Trade receivables40-€19k
Other amounts receivable41€6€36k▲
Cash at bank and in hand54/58€253€66k▲
Equity and liabilities
Total equity and liabilities10/49€387k€662k▲
Equity10/15€152k€414k▲
Contributions10/11€50k€50k=
Reserves13€102k€364k▲
Distributable reserves133€102k€364k▲
Amounts payable17/49€235k€248k▲
Amounts payable within one year42/48€235k€248k▲
Trade debts44€293€0▼
Suppliers440/4€293€0▼
Taxes, remuneration and social security45€770€26k▲
Taxes450/3€770€26k▲
Other amounts payable47/48€234k€222k▼
Income statement
Code20242025
Turnover70-€2k
Goods, raw materials, services and sundry goods60/61-€9k
Other operating charges640/8€472€805▲
Gross operating margin9900€-307€-7k▼
Operating profit (loss)9901€-779€-8k▼
Financial income75/76B-€295k
Recurring financial income75-€295k
Financial charges65/66B€425€138▼
Recurring financial charges65€425€138▼
Profit (loss) for the period before taxes9903€-1k€287k▲
Income taxes67/77€116€26k▲
Profit (loss) for the period9904€-1k€261k▲
Profit (loss) for the period to be appropriated9905€-1k€261k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€261k▲
Transfer from equity791/2€1k-
Transfer to equity691/2-€261k
To other reserves6921-€261k
The notes to these accounts (2 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
31-12
Financial
Back to profitnet €261k
Net result €261k after one loss-making year.
31-12
Financial
Liquidity times 1006current ratio 1.11
Current ratio from 0.00 to 1.11.
31-12
Financial
Equity above €200kEq €414k ▲171%
Equity rises from €152k to €414k.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2024
31-12
Financial
Weakest financial yearnet €-1k ▼157%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
12-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 43 days late
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-06
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
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, Menen · 1 establishment unit since 2008
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.
Guido Gezellelaan 318930 MenenGround area
207 m²
Building footprint
134 m²
Volume, LiDAR
669 m³
Parcel 34372A0340/00X008, Flanders · tallest building 10.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Yannick Ostyn
since 20082.174.651.611
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34372A0340/00X008 | Flanders | 207 m² | 1 · 134 m² | 10.5 m · 1 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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BBD PHARMA
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KRIVIS
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 13,720 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-2008
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.