YSIO
ActiveSummary
YSIO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €60k and a net result of €27k. Equity is growing by ~45.8% per year across the filed fiscal years. Its solvency ranks better than 75% of 20782 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+18
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 5.06 against 4.17 in 2023; short-term debt: 18.7% and cash: 74.9% of total assets), and 18.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
30 d late
2022
30 d late
2021
30 d late
2020
122 d late
2019
92 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€60k▲ 79.9%
2023 · €34k
2018: €6k
2019: €10k
2020: €11k
2021: €19k
2022: €38k
2023: €34k
2018 → 2024
Total assets
€74k▲ 76.4%
2023 · €42k
2018: €24k
2019: €25k
2020: €49k
2021: €68k
2022: €46k
2023: €42k
2018 → 2024
Net result
€27k▲ 484%
2023 · €5k
2019: €9k
2020: €1k
2021: €8k
2022: €19k
2023: €5k
2019 → 2024
Working capital
€56k▲ 108%
2023 · €27k
2018: €-10k
2019: €4k
2020: €9k
2021: €9k
2022: €29k
2023: €27k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€11k-€19k▲ 78.1%€38k▲ 102%€34k▼ 12.3%€60k▲ 79.9%
Operating result€3k-€11k▲ 244%€29k▲ 172%€7k▼ 74.6%€42k▲ 477%
Net result€1k-€8k▲ 678%€19k▲ 132%€5k▼ 76.2%€27k▲ 484%
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 2024; 2024 is 477% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €74k
Fixed assets
€4k ▼ 39.2%
Current assets
€70k ▲ 97.1%
Equity and liabilities €74k
Equity
€60k ▲ 79.9%
Debt
€14k ▲ 62.4%
Debt's share of the balance-sheet total falls from 20.3% to 18.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€44k▲
2023 · €10k
Cash flow
€29k▲
2023 · €7k
Current ratio
5.06▲
2023 · 4.17
Debt to equity
0.23▼
2023 · 0.26
ROE
44.4%▲
2023 · 13.7%
ROA
36.1%▲
2023 · 10.9%
Interest coverage
94.64▲
2023 · 14.43
Debt ≤ 1 year
€14k▲
2023 · €9k
Income taxes
€15k▲
2023 · €2k
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 · 2024 against 2023 · 41 lines
Balance sheet
Code20232024
Assets
Total assets20/58€42k€74k▲
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€6k€4k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€36k€70k▲
Amounts receivable within one year40/41€11k€14k▲
Trade receivables40€1k€8k▲
Other amounts receivable41€10k€6k▼
Cash at bank and in hand54/58€24k€56k▲
Deferred charges and accrued income490/1€495€434▼
Equity and liabilities
Total equity and liabilities10/49€42k€74k▲
Equity10/15€34k€60k▲
Contributions10/11€10k€10k=
Reserves13€24k€51k▲
Distributable reserves133€24k€51k▲
Amounts payable17/49€9k€14k▲
Amounts payable within one year42/48€9k€14k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45-€11k
Taxes450/3-€11k
Other amounts payable47/48€7k-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€667€607▼
Gross operating margin9900€10k€45k▲
Operating profit (loss)9901€7k€42k▲
Financial income75/76B€327€467▲
Recurring financial income75€327€467▲
Financial charges65/66B€677€469▼
Recurring financial charges65€677€469▼
Profit (loss) for the period before taxes9903€7k€42k▲
Income taxes67/77€2k€15k▲
Profit (loss) for the period9904€5k€27k▲
Profit (loss) for the period to be appropriated9905€5k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€27k▲
Profit (loss) brought forward from the previous period14P€7k-
Transfer to equity691/2€5k€27k▲
To other reserves6921€5k€27k▲
Profit to be distributed694/7€7k-
Return on contributions (dividend)694€7k-
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Highest result since 2019net €27k ▲484%
Operating result €42k, net result €27k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Liquidity quadruplescurrent ratio 5.02
Current ratio from 1.18 to 5.02; short-term debt falls from €48k to €7k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 122 days late
2020
31-12
Financial
Weakest financial yearnet €1k ▼87.5%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
31-12
Financial
Liquidity quadruplescurrent ratio 1.48
Current ratio from 0.40 to 1.48; short-term debt falls from €17k to €9k.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
26-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 269 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Esneux · 1 establishment unit since 2016
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.
Avenue d' Esneux 604130 EsneuxGround area
795 m²
Building footprint
143 m²
Volume, LiDAR
1,079 m³
2 parcels, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Tombay 70, 4030 Liège
since 20162.262.213.214
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62101C0042/00T004 | Wallonia | 503 m² | 1 · 63 m² | 9.4 m · 3 fl. |
| 62302C0810/00Y002 | Wallonia | 292 m² | 1 · 80 m² | 8.0 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.
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Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 6,897 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
Founded28-10-2016
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.