YAVABUILD

Active

Private limited companyfounded 20224 yrs activeVeldstraat 4, 8870 Izegem, BelgiumKBO/BCE: BE 0785.772.848

Summary

The computed 12-month bankruptcy probability of YAVABUILD is 2.0% (moderate). The 2025 annual accounts show equity of €54k and a net result of €18k. Equity is growing by ~42% per year across the filed fiscal years. Its solvency ranks better than 50% of 7453 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

71 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability87▲+9

Solvency68▲+23

Growth52=

Track record94

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3.5k at 30 days acceptable

Liquidity ample (current ratio 2.31 against 1.27 in 2024; short-term debt: 40.7% and cash: 42.3% of total assets), but 56.8% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

43.2%

Return on assets

14.3%

Age of the figures

12 mo

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-03-2026, 35 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

35 d early

2024

36 d early

2023

42 d early

← before the deadline after the deadline →

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

24-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€54k▲ 49.3%

2024 · €36k

2023: €24k 2024: €36k

2023 → 2025

Total assets

€126k▼ 30.2%

2024 · €180k

2023: €107k 2024: €180k

2023 → 2025

Net result

€18k▲ 42.2%

2024 · €13k

2023: €19k 2024: €13k

2023 → 2025

Working capital

€67k▲ 91.5%

2024 · €35k

2023: €22k 2024: €35k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€24k-€36k▲ 53.1%€54k▲ 49.3%

Operating result€24k-€18k▼ 25.6%€24k▲ 36.1%

Net result€19k-€13k▼ 32.7%€18k▲ 42.2%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 36% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €126k

94.1%

Fixed assets €7k ▼ 47.8%

Current assets €118k ▼ 28.6%

Equity and liabilities €126k

43.2%

56.8%

Equity €54k ▲ 49.3%

Debt €71k ▼ 50.3%

Debt's share of the balance-sheet total falls from 79.8% to 56.8%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€31k▲

2024 · €25k

Cash flow

€25k▲

2024 · €20k

Current ratio

2.31▲

2024 · 1.27

Quick ratio

1.73▲

2024 · 1.27

Debt to equity

1.31▼

2024 · 3.95

ROE

33.0%▼

2024 · 34.7%

ROA

14.3%▲

2024 · 7.0%

Interest coverage

26.69▲

2024 · 19.78

Debt ≤ 1 year

€51k▼

2024 · €131k

Debt > 1 year

€6k▼

2024 · €13k

Income taxes

€5k▲

2024 · €4k

Staff costs

€52k▼

2024 · €70k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines

Balance sheet Code20242025

Assets

Total assets20/58€180k€126k▼

Fixed assets21/28€14k€7k▼

Tangible fixed assets22/27€14k€7k▼

Plant, machinery and equipment23€2k-

Furniture and vehicles24€1k€673▼

Leasing and similar rights25€11k€7k▼

Current assets29/58€166k€118k▼

Stocks and contracts in progress3-€30k

Contracts in progress37-€30k

Amounts receivable within one year40/41€80k€34k▼

Trade receivables40€77k€30k▼

Other amounts receivable41€2k€3k▲

Cash at bank and in hand54/58€84k€53k▼

Deferred charges and accrued income490/1€3k€2k▼

Equity and liabilities

Total equity and liabilities10/49€180k€126k▼

Equity10/15€36k€54k▲

Contributions10/11€5k€5k=

Reserves13€31k€49k▲

Distributable reserves133€31k€49k▲

Amounts payable17/49€144k€71k▼

Amounts payable after more than one year17€13k€6k▼

Financial debts170/4€13k€6k▼

Amounts payable within one year42/48€131k€51k▼

Current portion of amounts payable after more than one year42€7k€7k▲

Trade debts44€84k€34k▼

Suppliers440/4€84k€34k▼

Advances received on contracts in progress46€10k-

Taxes, remuneration and social security45€8k€10k▲

Taxes450/3€5k€8k▲

Remuneration and social security454/9€2k€2k▲

Other amounts payable47/48€22k€303▼

Accrued charges and deferred income492/3-€15k

Income statement Code20242025

Remuneration, social security and pensions62€70k€52k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€7k▼

Other operating charges640/8€561€688▲

Gross operating margin9900€96k€84k▼

Operating profit (loss)9901€18k€24k▲

Financial income75/76B€24€201▲

Recurring financial income75€24€201▲

Financial charges65/66B€1k€1k▼

Recurring financial charges65€1k€1k▼

Non-recurring financial charges66B€7€17▲

Profit (loss) for the period before taxes9903€16k€23k▲

Income taxes67/77€4k€5k▲

Profit (loss) for the period9904€13k€18k▲

Profit (loss) for the period to be appropriated9905€13k€18k▲

Appropriation of the result

Profit (loss) to be appropriated9906€13k€18k▲

Transfer to equity691/2€13k€18k▲

To other reserves6921€13k€18k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

Next filing, fiscal year 2026, expected by 30-04-2027

2026

26-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

25-03

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-09

Financial Weakest financial yearnet €13k ▼32.7%

Net result drops to €13k, the lowest in the series; recovery starts the following year.

19-03

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

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, Izegem · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Veldstraat 48870 Izegem

Ground area

2,603 m²

Building footprint

904 m²

Volume, LiDAR

2,449 m³

2 parcels, Flanders · tallest building 18.6 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

YAVABUILD

Reperstraat 88, 8870 IzegemJoinery installation

since 20222.331.089.548

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
36492A0549/00X000	Flanders	2,033 m²	1 · 705 m²	14.4 m · 1 fl.
36492A0948/00B000	Flanders	569 m²	1 · 200 m²	18.6 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.

Similar companies · same sector, comparable size

Merelbeke-Melle · Eq €54,277

CLICC

BE 0671.948.197

Kapellen · Eq €54,272

MTF CONSTRUCT

BE 0449.184.531

Sint-Pieters-Woluwe · Eq €54,270

BOUWONDERNEMING PAUL VERVLOET

BE 0831.722.045

Bonheiden · Eq €54,324

Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,130 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded05-05-2022

Fiscal year end30-09

Activities, NACEBEL 2025

41001General construction of residential buildings

41003General construction of other non-residential buildings

43211General electrical installation work

43221Plumbing work

43320Joinery installation

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.