YCA TRADE
ActiveYCA TRADE has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-92k) and a net result of €-2k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 14% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
10
/ 100
Critical▲ +2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▲+12
Solvency35▼-1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.57 against 0.61 in 2024), and equity is negative.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-38.3%
Return on assets
-0.9%
Age of the figures
8 mo
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 · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€92k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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
25 d late
2024
25 d late
2023
21 d late
2022
22 d late
2021
25 d late
2020
24 d late
2019
47 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-92k▼ 2.4%
2024 · €-90k
2018: €-100k
2019: €-104k
2020: €-104k
2021: €-109k
2022: €-101k
2023: €-102k
2024: €-90k
2018 → 2025
Total assets
€240k▼ 6.4%
2024 · €256k
2018: €286k
2019: €285k
2020: €261k
2021: €249k
2022: €229k
2023: €230k
2024: €256k
2018 → 2025
Net result
€-2k
2024 · €12k
2018: €-22k
2019: €-5k
2020: €-48
2021: €-25k
2022: €-7k
2023: €-814
2024: €12k
2018 → 2025
Working capital
€-78k▼ 2.8%
2024 · €-76k
2018: €-116k
2019: €-121k
2020: €-121k
2021: €-95k
2022: €-87k
2023: €-88k
2024: €-76k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-109k-€-101k▲ 7.4%€-102k▼ 0.8%€-90k▲ 11.8%€-92k▼ 2.4%
Operating result€-22k-€-5k▲ 76.9%€3k€18k▲ 517%€-211
Net result€-25k-€-7k▲ 71.6%€-814▲ 88.3%€12k€-2k
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 €211 after €18k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €240k
Fixed assets
€136k=
Current assets
€104k▼ 13.6%
Key figures and ratios
Solvency
-38.3%▼
2024 · -35.0%
Current ratio
0.57▼
2024 · 0.61
Quick ratio
0.21▼
2024 · 0.23
Debt / equity
-3.61▲
2024 · -3.85
ROE
2.3%▲
2024 · -13.3%
ROA
-0.9%▼
2024 · 4.7%
Debt
€332k▼
2024 · €346k
Debt ≤ 1 year
€182k▼
2024 · €196k
Debt > 1 year
€150k=
2024 · €150k
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€256k€240k▼
Fixed assets21/28€136k€136k=
Tangible fixed assets22/27€136k€136k=
Land and buildings22€129k€129k=
Plant, machinery and equipment23€6k€6k=
Furniture and vehicles24€475€475=
Current assets29/58€120k€104k▼
Stocks and contracts in progress3€74k€66k▼
Stocks30/36€74k€66k▼
Cash at bank and in hand54/58€18k€15k▼
Deferred charges and accrued income490/1€28k€22k▼
Equity and liabilities
Total equity and liabilities10/49€256k€240k▼
Equity10/15€-90k€-92k▼
Contributions10/11€125k€125k=
Reserves13€17k€17k=
Non-distributable reserves130/1€10k€10k=
Reserves not available under the articles1311€10k€10k=
Tax-exempt reserves132€6k€6k=
Profit (loss) carried forward14€-231k€-233k▼
Amounts payable17/49€346k€332k▼
Amounts payable after more than one year17€150k€150k=
Financial debts170/4€150k€150k=
Amounts payable within one year42/48€196k€182k▼
Financial debts43€60k€60k=
Credit institutions430/8€60k€60k=
Trade debts44€34k€28k▼
Suppliers440/4€34k€28k▼
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Other amounts payable47/48€101k€92k▼
Income statement
Code20242025
Non-recurring operating income76A€484€499▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€21k€3k▼
Operating profit (loss)9901€18k€-211▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€8k€5k▼
Recurring financial charges65€8k€5k▼
Profit (loss) for the period before taxes9903€12k€-2k▼
Profit (loss) for the period9904€12k€-2k▼
Profit (loss) for the period to be appropriated9905€12k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-231k€-233k▼
Profit (loss) brought forward from the previous period14P€-243k€-231k▲
The notes to these accounts (6 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Back to profitnet €12k
Net result €12k after 6 loss-making years.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Weakest financial yearnet €-25k
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 47 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 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, Geraardsbergen · 1 establishment unit since 2003
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.
Grotestraat 109500 GeraardsbergenGround area
753 m²
Building footprint
437 m²
Volume, LiDAR
2,748 m³
Parcel 41018A0492/00H000, Flanders · tallest building 14.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
YCA TRADE
since 20032.132.824.617
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41018A0492/00H000 | Flanders | 752 m² | 1 · 437 m² | 14.8 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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Of 6,459 companies in sector 47716 we hold annual accounts for 2,420. 1,481 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-08-2003
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52421
47714Retail trade
47715Retail trade
52425
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.