Summary
Conclusion
the dossier summarised in one paragraphYNVEST CONCEPT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €31k and a net result of €30k. Its solvency ranks better than 44% of 3139 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Filing behaviour
From the deposit records, complete market-wide| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 22-09-2025 | 53 d late | 2025-00503505 |
| 31-12-2023 | 31-07-2024 | 10-10-2024 | 71 d late | 2024-00507460 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsAdministrative Flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Annual accounts & ratios
Source: NBB · 2024| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 44.1% | 52.5% | |
| Net result | €30k | €32k | |
| Equity | €31k | €75k | |
| Gross operating margin | €38k | €52k | |
| Total assets | €70k | €192k |
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €30k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €7k |
| Dividends | - |
| Total assets | €70k |
| Equity | €31k |
| Debt | €39k |
| of which ≤ 1y | €39k |
| of which > 1y | - |
| Working capital | n/a |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 44.1% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 42.6% |
| ROE | 96.6% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €70k |
| Fixed assets | 21/28 | €60 |
| Financial fixed assets | 28 | €60 |
| Current assets | 29/58 | €69k |
| Amounts receivable within one year | 40/41 | €19k |
| Cash & bank | 54/58 | €49k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €70k |
| Equity | 10/15 | €31k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €28k |
| Amounts payable | 17/49 | €39k |
| Amounts payable within one year | 42/48 | €39k |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Gross operating margin | 9900 | €38k |
| Operating result | 9901 | €37k |
| Financial income | 75 | €199 |
| Financial charges | 65 | €171 |
| Result before taxes | 9903 | €37k |
| Income taxes | 67/77 | €7k |
| Net result for the period | 9904 | €30k |
| Result to be appropriated | 9905 | €30k |
Health barometer
FY 2024 · computedPublications
Lifecycle & Insolvency Signals
Belgian State Gazette · acts
That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Snowflake analysis
financial profile on 5 axesStrong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
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AI due-diligence brief
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Credit advice
verdict per customer and amountSimilar
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Company registry (CBE)
Crossroads Bank| Legal nameFR | YNVEST CONCEPT |