A & Y CONSTRUCT
ActiveA & Y CONSTRUCT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €33k and a net result of €-7k. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 18% of 36376 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability65▲+7
Solvency40▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.86 against 0.85 in 2023; short-term debt: 69.6% and cash: 0.4% of total assets), and 85.2% of the assets are financed with debt.
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 43
Relative position
BE, all sectors
reference
Sector 43
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 2024Solvency, return and age of the figures
Solvency
14.8%
Return on assets
-3%
Age of the figures
21 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 · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-7k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 36376 sector peers (2024).
NBB · sector comparisonPosition among 36376 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-10-2025, 71 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
not confirmed
2024
71 d late
2023
16 d late
2022
37 d late
2021
96 d late
2020
461 d late
2019
34 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€33k▼ 17.0%
2023 · €40k
2018: €31k
2019: €38k
2020: €42k
2021: €46k
2022: €53k
2023: €40k
2018 → 2024
Total assets
€223k▼ 19.8%
2023 · €278k
2018: €62k
2019: €95k
2020: €173k
2021: €209k
2022: €291k
2023: €278k
2018 → 2024
Net result
€-7k▲ 49.2%
2023 · €-13k
2018: €8k
2019: €6k
2020: €4k
2021: €4k
2022: €3k
2023: €-13k
2018 → 2024
Working capital
€-22k▲ 22.6%
2023 · €-28k
2018: €21k
2019: €19k
2020: €16k
2021: €28k
2022: €761
2023: €-28k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€42k-€46k▲ 9.7%€53k▲ 15.9%€40k▼ 25.1%€33k▼ 17.0%
Operating result€9k-€8k▼ 3.5%€8k▲ 1.2%€-10k€-3k▲ 69.7%
Net result€4k-€4k▲ 15.3%€3k▼ 20.6%€-13k€-7k▲ 49.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2024 against €10k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €223k
Fixed assets
€90k▼ 21.2%
Current assets
€133k▼ 18.8%
Equity and liabilities €223k
Equity
€33k▼ 17.0%
Debt
€190k▼ 20.3%
The debt ratio falls from 85.7% to 85.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€25k▲
2023 · €17k
Cash flow
€21k▲
2023 · €14k
Solvency
14.8%▲
2023 · 14.3%
Current ratio
0.86▲
2023 · 0.85
Quick ratio
0.86▲
2023 · 0.85
Debt / equity
5.76▼
2023 · 5.99
ROE
-20.5%▲
2023 · -33.5%
ROA
-3.0%▲
2023 · -4.8%
Interest coverage
7.25▲
2023 · 5.45
Debt
€190k▼
2023 · €238k
Debt ≤ 1 year
€155k▼
2023 · €192k
Debt > 1 year
€35k▼
2023 · €46k
Income taxes
€229
Staff costs
€130k▼
2023 · €206k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€278k€223k▼
Fixed assets21/28€114k€90k▼
Tangible fixed assets22/27€100k€75k▼
Furniture and vehicles24€25k€23k▼
Leasing and similar rights25€74k€53k▼
Financial fixed assets28€14k€14k▲
Current assets29/58€164k€133k▼
Amounts receivable within one year40/41€152k€126k▼
Trade receivables40€151k€115k▼
Other amounts receivable41€786€11k▲
Cash at bank and in hand54/58€6k€875▼
Deferred charges and accrued income490/1€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€278k€223k▼
Equity10/15€40k€33k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€19k€13k▼
Amounts payable17/49€238k€190k▼
Amounts payable after more than one year17€46k€35k▼
Financial debts170/4€46k€35k▼
Amounts payable within one year42/48€192k€155k▼
Current portion of amounts payable after more than one year42€21k€11k▼
Trade debts44€39k€77k▲
Suppliers440/4€39k€77k▲
Advances received on contracts in progress46€87k-
Taxes, remuneration and social security45€28k€24k▼
Taxes450/3€1k€8k▲
Remuneration and social security454/9€27k€17k▼
Other amounts payable47/48€17k€42k▲
Accrued charges and deferred income492/3-€152
Income statement
Code20232024
Remuneration, social security and pensions62€206k€130k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€28k▲
Other operating charges640/8€4k€15k▲
Gross operating margin9900€227k€170k▼
Operating profit (loss)9901€-10k€-3k▲
Financial income75/76B€1€9▲
Recurring financial income75€1€9▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€-13k€-7k▲
Income taxes67/77-€229
Profit (loss) for the period9904€-13k€-7k▲
Profit (loss) for the period to be appropriated9905€-13k€-7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€13k▼
Profit (loss) brought forward from the previous period14P€33k€19k▼
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
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
31-12
Financial
Weakest financial yearnet €-13k ▼515%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
06-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 37 days late
2022
04-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 96 days late
04-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 461 days late
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 41 days late
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 52 days late
2016
09-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 70 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Lochristi · 1 establishment unit since 2014
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.
Dahlialaan 189080 LochristiGround area
539 m²
Building footprint
127 m²
Volume, LiDAR
498 m³
Parcel 44034D0853/00V004, Flanders · tallest building 5.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
A&A&
since 20142.231.037.315
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034D0853/00V004 | Flanders | 539 m² | 1 · 127 m² | 5.4 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.
Similar companies · same sector, comparable size
NDM PAINT
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CARRIERE OUFFET
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SEEVENS
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Pelt · Eq €33k
VWO
BE 0797.100.864
Anzegem · Eq €33k
Grondwerken Laureys
BE 0803.247.102
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Of 8,456 companies in sector 43120 we hold annual accounts for 3,232. 2,276 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-05-2014
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.