AVA COMMERCE
ActiveSummary
The computed 12-month bankruptcy probability of AVA COMMERCE is 2.3% (moderate). The 2025 annual accounts show equity of €90k and a net result of €13k. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 52% of 13417 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability74=
Solvency57▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.15 against 0.1 in 2024; short-term debt: 40.6% and cash: 4.5% of total assets), and 67.7% of the assets are financed with debt.
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Signals
Five 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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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
32.3%
Return on assets
4.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
50 d early
2023
37 d early
2022
49 d early
2021
48 d early
2020
5 d early
2019
3 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Financials · fiscal year 2025, micro schema
Equity
€90k▲ 16.3%
2024 · €77k
Total assets
€278k▼ 3.5%
2024 · €288k
Net result
€13k▲ 5.9%
2024 · €12k
Working capital
€-96k▲ 6.1%
2024 · €-102k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€13k▲ 306%€14k▲ 8.8%€15k▲ 7.7%€17k▲ 15.3%€20k▲ 16.7%
Net result€6k€8k▲ 24.4%€10k▲ 24.3%€12k▲ 22.3%€13k▲ 5.9%
Equity€48k▲ 15.2%€56k▲ 16.4%€65k▲ 17.5%€77k▲ 18.2%€90k▲ 16.3%
Total assets€298k▼ 3.5%€300k▲ 0.6%€296k▼ 1.2%€288k▼ 2.7%€278k▼ 3.5%
Debt€250k▼ 6.4%€244k▼ 2.4%€231k▼ 5.5%€211k▼ 8.6%€188k▼ 10.7%
Working capital€-87k▲ 4.0%€-93k▼ 6.5%€-105k▼ 13.2%€-102k▲ 2.7%€-96k▲ 6.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €278k
Fixed assets
€261k ▼ 5.9%
Current assets
€17k ▲ 57.3%
Equity and liabilities €278k
Equity
€90k ▲ 16.3%
Debt
€188k ▼ 10.7%
Debt's share of the balance-sheet total falls from 73.2% to 67.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€36k▲
2024 · €33k
Cash flow
€29k▲
2024 · €28k
Current ratio
0.15▲
2024 · 0.10
Debt to equity
2.10▼
2024 · 2.73
ROE
14.0%▼
2024 · 15.4%
ROA
4.5%▲
2024 · 4.1%
Interest coverage
7.74▲
2024 · 6.74
Debt ≤ 1 year
€113k=
2024 · €113k
Debt > 1 year
€75k▼
2024 · €96k
Income taxes
€3k▲
2024 · €378
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €4k | €9k | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16k | €17k | €17k | €16k | €16k | = |
| Other operating charges640/8 | €12k | €3k | €860 | €7k | €4k | ▼ 37.7% |
| Gross operating margin9900 | €41k | €38k | €42k | €40k | €40k | ▲ 1.0% |
| Operating profit (loss)9901 | €13k | €14k | €15k | €17k | €20k | ▲ 16.7% |
| Financial income75/76B | - | €2 | - | €42 | - | - |
| Recurring financial income75 | - | €1 | - | €42 | - | - |
| Non-recurring financial income76B | - | €1 | - | €42 | - | - |
| Financial charges65/66B | €6k | €6k | €5k | €5k | €5k | ▼ 5.3% |
| Recurring financial charges65 | €6k | €6k | €5k | €5k | €5k | ▼ 5.3% |
| Non-recurring financial charges66B | - | €6k | €5k | €5k | €5k | ▼ 5.3% |
| Profit (loss) for the period before taxes9903 | €6k | €8k | €10k | €12k | €15k | ▲ 25.2% |
| Income taxes67/77 | - | - | - | €378 | €3k | ▲ 632% |
| Profit (loss) for the period9904 | €6k | €8k | €10k | €12k | €13k | ▲ 5.9% |
| Profit (loss) for the period to be appropriated9905 | €6k | €8k | €10k | €12k | €13k | ▲ 5.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €298k | €300k | €296k | €288k | €278k | ▼ 3.5% |
| Fixed assets21/28 | €291k | €285k | €287k | €277k | €261k | ▼ 5.9% |
| Tangible fixed assets22/27 | €291k | €285k | €287k | €277k | €261k | ▼ 5.9% |
| Land and buildings22 | €284k | €281k | €284k | €275k | €259k | ▼ 5.8% |
| Plant, machinery and equipment23 | €3k | €3k | €2k | €2k | €2k | ▼ 17.0% |
| Furniture and vehicles24 | €5k | €2k | - | - | - | - |
| Current assets29/58 | €7k | €14k | €9k | €11k | €17k | ▲ 57.3% |
| Amounts receivable within one year40/41 | €719 | €6k | €5k | €3k | €5k | ▲ 87.1% |
| Trade receivables40 | €719 | €6k | €5k | €3k | €5k | ▲ 87.1% |
| Cash at bank and in hand54/58 | €6k | €8k | €5k | €8k | €12k | ▲ 48.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €298k | €300k | €296k | €288k | €278k | ▼ 3.5% |
| Equity10/15 | €48k | €56k | €65k | €77k | €90k | ▲ 16.3% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €27k | €35k | €45k | €57k | €69k | ▲ 22.2% |
| Amounts payable17/49 | €250k | €244k | €231k | €211k | €188k | ▼ 10.7% |
| Amounts payable after more than one year17 | €156k | €137k | €117k | €96k | €75k | ▼ 21.8% |
| Financial debts170/4 | €156k | €137k | €117k | €96k | €75k | ▼ 21.8% |
| Amounts payable within one year42/48 | €94k | €107k | €114k | €113k | €113k | = |
| Current portion of amounts payable after more than one year42 | €19k | €19k | €20k | €20k | €21k | ▲ 3.7% |
| Trade debts44 | €11k | €9k | €7k | €7k | €12k | ▲ 64.3% |
| Suppliers440/4 | €11k | €9k | €7k | €7k | €12k | ▲ 64.3% |
| Taxes, remuneration and social security45 | €882 | €2k | €3k | €2k | €714 | ▼ 68.7% |
| Taxes450/3 | €882 | €1k | €2k | €2k | €714 | ▼ 68.7% |
| Remuneration and social security454/9 | - | €1k | €943 | - | - | - |
| Other amounts payable47/48 | €63k | €77k | €84k | €83k | €79k | ▼ 4.7% |
| Accrued charges and deferred income492/3 | - | - | - | €2k | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6k | €8k | €10k | €12k | €13k | ▲ 5.9% |
| + Depreciation and write-downs630 | €16k | €17k | €17k | €16k | €16k | = |
| Operating cash flow (approximation) | €22k | €25k | €27k | €28k | €29k | ▲ 2.5% |
| Investment in fixed assets (approximation) | - | €-11k | €-19k | €-7k | €0 | ▲ 100% |
| Change in cash | - | €2k | €-4k | €4k | €4k | ▲ 7.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €13k ▲5.9%
Operating result €20k, net result €13k, both a record.
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
05-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 36 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Oudergem · 1 establishment unit since 2009
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.
Tervuurse steenweg 1131160 OudergemGround area
126 m²
Building footprint
126 m²
Volume, LiDAR
1,124 m³
Parcel 23642D0385/00P000, Flanders · tallest building 12.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Grote Markt 33, 1800 Vilvoorde
since 20092.184.157.017
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23642D0385/00P000 | Flanders | 126 m² | 1 · 126 m² | 12.4 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteVilvoorde2.184.157.017
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Of 14,006 companies in sector 56301 we hold annual accounts for 4,888. 3,774 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 (pre-2019)
Founded29-12-2009
Fiscal year end31-12
Abbreviation FR
AVA C
Activities, NACEBEL 2025
56301Cafés and bars
Scores and ratios are computed by Checked and are not a credit decision.