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A & Y Dynamic

Active
Private limited companyfounded 20251 yr activeLouizalaan 251, 1050 Brussel, BelgiumKBO/BCE: BE 1023.254.285
Summary

The computed 12-month bankruptcy probability of A & Y Dynamic is 5.1% (elevated). The 2025 annual accounts show equity of €2,334 and a net result of -€167. Its solvency ranks better than 27% of 1893 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability77
Solvency46
Growth-
Track record67
Bankruptcy probability, 12 months
5.1% Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.3; short-term debt: 78.9% and cash: 0.1% of total assets), and 78.9% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
+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 49
Relative position
BE, all sectors
reference
Land transport and transport via pipelines (NACE 49)
about 141% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
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 2025
Solvency, return and age of the figures
Solvency
21.1%
Return on assets
-1.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 1 filing
Deviation from the deadline
2025
19 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 13 May 2025, A & Y Dynamic was incorporated as a Private limited company.1 In 2026 the registered office moved to Bruxelles.2 AHABBAD Rotmane has served as director of the company since 2026.2

  1. 1Crossroads Bank for Enterprises
  2. 2Belgian State Gazette, 19-05-2026

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Financials · fiscal year 2025, abbreviated schema

Turnover
€20,898
EBIT margin
-0.5%
Net result
-€167
Working capital
-€6,127

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Balance-sheet composition
Assets €11,066
Fixed assets €8,460
Current assets €2,606
Equity and liabilities €11,066
Equity €2,334
Debt €8,733
Debt finances 78.9% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€4,076
Cash flow
€4,014
Current ratio
0.30
Debt to equity
3.74
ROE
-7.1%
ROA
-1.5%
Interest coverage
65.22
Debt ≤ 1 year
€8,733

Peer companies

Historical observation

Of the 173 companies that looked in July 2024 the way this one looks now, 2.9% went bankrupt within 24 months and 94% are still going.

  • Micro
  • under 2 years old
  • solvency 10 to 30%
  • a small loss
2.9% went bankrupt
2.9% stopped otherwise
94% still going

A further 0.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 5.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 173 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 33 lines
Balance sheet Code2025
Assets
Total assets20/58€11,066
Fixed assets21/28€8,460
Tangible fixed assets22/27€8,250
Furniture and vehicles24€8,250
Financial fixed assets28€210
Current assets29/58€2,606
Amounts receivable within one year40/41€2,592
Trade receivables40€2,592
Cash at bank and in hand54/58€14
Equity and liabilities
Total equity and liabilities10/49€11,066
Equity10/15€2,334
Contributions10/11€2,500
Capital10€2,500
Issued capital100€2,500
Profit (loss) carried forward14-€167
Amounts payable17/49€8,733
Amounts payable within one year42/48€8,733
Taxes, remuneration and social security45€3,686
Taxes450/3€1,649
Remuneration and social security454/9€2,037
Other amounts payable47/48€5,047
Income statement Code2025
Turnover70€20,898
Goods, raw materials, services and sundry goods60/61€16,464
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,180
Other operating charges640/8€357
Gross operating margin9900€4,434
Operating profit (loss)9901-€104
Financial charges65/66B€63
Recurring financial charges65€63
Profit (loss) for the period before taxes9903-€167
Profit (loss) for the period9904-€167
Profit (loss) for the period to be appropriated9905-€167
Appropriation of the result
Profit (loss) to be appropriated9906-€167

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Turnover70€20,898
Goods, raw materials, services and sundry goods60/61€16,464
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,180
Other operating charges640/8€357
Gross operating margin9900€4,434
Operating profit (loss)9901-€104
Financial charges65/66B€63
Recurring financial charges65€63
Profit (loss) for the period before taxes9903-€167
Profit (loss) for the period9904-€167
Profit (loss) for the period to be appropriated9905-€167
Line2025
Assets
Total assets20/58€11,066
Fixed assets21/28€8,460
Tangible fixed assets22/27€8,250
Furniture and vehicles24€8,250
Financial fixed assets28€210
Current assets29/58€2,606
Amounts receivable within one year40/41€2,592
Trade receivables40€2,592
Cash at bank and in hand54/58€14
Equity and liabilities
Total equity and liabilities10/49€11,066
Equity10/15€2,334
Contributions10/11€2,500
Capital10€2,500
Issued capital100€2,500
Profit (loss) carried forward14-€167
Amounts payable17/49€8,733
Amounts payable within one year42/48€8,733
Taxes, remuneration and social security45€3,686
Taxes450/3€1,649
Remuneration and social security454/9€2,037
Other amounts payable47/48€5,047
Line2025
Profit (loss) for the period9904-€167
+ Depreciation and write-downs630€4,180
Operating cash flow (approximation)€4,014

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
19-08
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
19-05
State Gazette act Resignations: GOUSSOT Amar (director) and AMJAHED Youssef (director)
Appointment: AHABBAD Rotmane (director) · Share transfer · Registered-office move7 facts ▸
  • General meeting, 30-04-2026
  • Director resignation, GOUSSOT Amar (director)
  • Director resignation, AMJAHED Youssef (director)
  • Director appointment, AHABBAD Rotmane (director)
  • Share transfer, GOUSSOT Amar → AHABBAD Rotmane
  • Share transfer, AMJAHED Youssef → AHABBAD Rotmane
  • Registered-office move, 1190 Bruxelles, Rue du Vignoble 35
State Gazette actNBB filing
1 of 3 acts read
About the unread acts

Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 director, last change in 2026
AHABBAD Rotmane
Director · since 30-04-2026
Current
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ. See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
1,574 m²
Building footprint
1,579 m²
Volume, LiDAR
46,471 m³
Parcel 21807G0135/00T003, Brussels · tallest building 46.6 m, ±13 floors. Linked by address, not a title deed.
284 companies at this address See who is registered here
1 establishment unit
Louizalaan 251, 1050 Brussel
Agents specialised in the wholesale of other particular products
since 20252.373.604.747
1 parcel
Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21807G0135/00T003 Brussels 1,574 m² 1 · 1,579 m² 46.6 m · 13 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Mandate history

3 people since 2026, 1 in office
Show
  • Board
  • began earlier
Mandates per person, with start and end dates
Name Functions and periods
AHABBAD Rotmane
  • Director, from 30-04-2026 to date
AMJAHED Youssef
  • Director, until 30-04-2026
GOUSSOT Amar
  • Director, until 30-04-2026
See the board, name and seat on a given date →

Structure & network

Connections & network

1 current director
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

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Capital and shareholders

Shareholders according to the acts
Share transfer act of 19-05-2026 ↗

The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.

Similar companies · same sector, comparable size

Of 12,573 companies in sector 49410 we hold annual accounts for 8,200. 1,635 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded13-05-2025
Fiscal year end31-12
Activities, NACEBEL 2025
49410Freight transport by road
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.