YES CONCEPT
ActiveSummary
YES CONCEPT has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €408k and a net result of €16k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 90% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 0.22 in 2024; short-term debt: 7.7% and cash: 10.8% of total assets), and 10.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
89.6%
Return on assets
3.6%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
3 d early
2023
on the day
2022
on the day
2021
on the day
2020
10 d late
2019
35 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€16k▲ 32.4%
2024 · €12k
2018: €29k
2019: €3k
2020: €13k
2021: €15k
2022: €20k
2023: €19k
2024: €12k
2018 → 2025
Working capital
€15k
2024 · €-24k
2018: €-35k
2019: €-46k
2020: €-50k
2021: €-52k
2022: €-51k
2023: €-50k
2024: €-24k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€342k-€361k▲ 5.7%€380k▲ 5.1%€392k▲ 3.2%€408k▲ 4.1%
Operating result€26k-€31k▲ 20.3%€26k▼ 16.7%€27k▲ 1.8%€26k▼ 1.3%
Net result€15k-€20k▲ 28.3%€19k▼ 5.3%€12k▼ 33.8%€16k▲ 32.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €456k
Fixed assets
€406k ▼ 4.0%
Current assets
€50k ▲ 603%
Equity and liabilities €456k
Equity
€408k ▲ 4.1%
Debt
€47k ▲ 25.3%
Debt's share of the balance-sheet total rises from 8.8% to 10.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€44k▼
2024 · €45k
Cash flow
€34k▲
2024 · €31k
Current ratio
1.42▲
2024 · 0.22
Debt to equity
0.12▲
2024 · 0.10
ROE
4.0%▲
2024 · 3.1%
ROA
3.6%▲
2024 · 2.9%
Interest coverage
64.11▲
2024 · 25.18
Debt ≤ 1 year
€35k▲
2024 · €32k
Debt > 1 year
€6k▲
2024 · €5k
Income taxes
€10k▼
2024 · €13k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€430k€456k▲
Fixed assets21/28€423k€406k▼
Tangible fixed assets22/27€423k€406k▼
Land and buildings22€423k€405k▼
Plant, machinery and equipment23€5€1k▲
Current assets29/58€7k€50k▲
Amounts receivable within one year40/41-€408
Trade receivables40-€408
Cash at bank and in hand54/58€7k€49k▲
Deferred charges and accrued income490/1€150€152▲
Equity and liabilities
Total equity and liabilities10/49€430k€456k▲
Equity10/15€392k€408k▲
Contributions10/11€20k€20k=
Revaluation surpluses12€408k€408k=
Reserves13€15k€15k=
Tax-exempt reserves132€15k€15k=
Profit (loss) carried forward14€-50k€-34k▲
Amounts payable17/49€38k€47k▲
Amounts payable after more than one year17€5k€6k▲
Other amounts payable178/9€5k€6k▲
Amounts payable within one year42/48€32k€35k▲
Current portion of amounts payable after more than one year42€6k-
Trade debts44€644€2k▲
Suppliers440/4€644€2k▲
Taxes, remuneration and social security45€1k€11k▲
Taxes450/3€1k€11k▲
Other amounts payable47/48€23k€22k▼
Accrued charges and deferred income492/3€759€7k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€18k▼
Other operating charges640/8€5k€5k▲
Gross operating margin9900€51k€50k▼
Operating profit (loss)9901€27k€26k▼
Financial income75/76B€38€463▲
Recurring financial income75€38€463▲
Financial charges65/66B€2k€693▼
Recurring financial charges65€2k€693▼
Profit (loss) for the period before taxes9903€25k€26k▲
Income taxes67/77€13k€10k▼
Profit (loss) for the period9904€12k€16k▲
Profit (loss) for the period to be appropriated9905€12k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-50k€-34k▲
Profit (loss) brought forward from the previous period14P€-63k€-50k▲
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Liquidity times 6current ratio 1.42
Current ratio from 0.22 to 1.42.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 10 days late
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €3k ▼90.2%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Elsene · 1 establishment unit since 2004
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.
Gulden-Vlieslaan 211050 ElseneGround area
527 m²
Building footprint
527 m²
Volume, LiDAR
8,249 m³
2 parcels, Brussels · tallest building 29.9 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
YES CONCEPT
since 20042.145.896.158
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21009A0402/00M000 | Brussels | 463 m² | 1 · 463 m² | 29.7 m · 6 fl. |
| 21812N0805/00B002 | Brussels | 64 m² | 1 · 64 m² | 29.9 m · 7 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
CALIECO
BE 0634.554.303
Kasterlee · Eq €408,512
MAN ON THE MOON
BE 0861.773.041
Keerbergen · Eq €408,450
PANDIMMO
BE 0891.105.148
Elsene · Eq €408,317
Pogremo
BE 0689.570.426
Sint-Niklaas · Eq €408,909
J.A.A.L.C.
BE 0451.726.624
Mons · Eq €408,023
Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 5,053 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
Founded23-12-2004
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.