Ay Consulting

Active

Private limited companyfounded 20242 yrs activeLeuvensestraat 2, 3200 Aarschot, BelgiumKBO/BCE: BE 1008.832.167

Summary

The computed 12-month bankruptcy probability of Ay Consulting is 11.1% (high). The 2024 annual accounts show equity of €6,634 and a net result of €6,634. Its solvency ranks better than 27% of 15874 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

Ay ConsultingActiveChecked score 31/100

Risk analysis Report Compare

Activity

Wholesale trade

NACE 46471Retail sale of household furniture NACE 47551

1 site

Size

€66,935total assets 2024

Equity: €6,634
Profit: €6,634

Turnover not published (abridged schema)

Financial health

31 Weak Checked score 2024

Bankruptcy chance 12 m: 11.1%

Structure

Accounts filed 126 d late0 of 2 deeds read

Why 31- 1 change of registered office in 24 months- 1 financial year not filed after the legal deadline; latest accounts 126 days late; 1 of the last 3 late- Figures for FY 2024 (filed 04-12-2025)- Founded in 2024Show the evidence

Checked score

Score 2024

31 / 100

Weak

Probability in this band: 4.2% to 15.0%

Better than 36% of its sector peers (NACE 46, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Weak

Solvency 35

equity 9.9% of total assets

Liquidity 7

short-term debt 90.1% · cash 5.8%

Profitability 81

return on assets 9.9%

Bankruptcy probability, 12 months

11.1% High

0%0.5%1.5%4%10%≥ 25%

About 1 in 9 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,865 companies)

Last 24 months 05-2025: 1.6%lowest value 06-2025: 1.6%● 0.0% vs 05-2025lowest value 07-2025: 1.7%▲ +2.7% vs 06-2025 08-2025: 2.0%▲ +19.5% vs 07-2025 09-2025: 2.1%▲ +5.3% vs 08-2025 10-2025: 2.4%▲ +11.1% vs 09-2025 11-2025: 4.7%▲ +98.0% vs 10-2025 12-2025: 4.9%▲ +4.1% vs 11-2025 01-2026: 5.6%▲ +14.3% vs 12-2025 02-2026: 5.6%● 0.0% vs 01-2026 03-2026: 5.5%▼ -0.4% vs 02-2026 04-2026: 6.8%▲ +22.8% vs 03-2026 05-2026: 7.4%▲ +8.7% vs 04-2026 06-2026: 7.3%▼ -1.3% vs 05-2026 07-2026: 7.2%▼ -1.4% vs 06-2026 08-2026: 7.9%▲ +9.6% vs 07-2026 09-2026: 8.0%▲ +1.7% vs 08-2026 10-2026: 11.1%▲ +38.8% vs 09-2026highest value

1 change of registered office in 24 months raises the probability
1 financial year not filed after the legal deadline; latest accounts 126 days late; 1 of the last 3 late raises the probability
Figures for FY 2024 (filed 04-12-2025) raises the probability
Founded in 2024 raises the probability for this profile

No publishable credit limit; credit only on tighter terms

Liquidity short (current ratio 0.96; short-term debt: 90.1% and cash: 5.8% of total assets), and 90.1% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 23%, liquidity 9%, profitability 74%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

1 financial year not filed after the legal deadline; latest accounts 126 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Figures for FY 2024 (filed 04-12-2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Founded in 2024

In the bankruptcy model this factor raises the probability for this profile.

KBO

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-12-2025, 126 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 1 filing

Deviation from the deadline

2024

126 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 126 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (1)

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