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AY INVEST

Active
Private limited companyfounded 2017active for 9 yearsGraystraat 109, 1050 Elsene, BelgiumKBO/BCE: BE 0673.940.063
Summary

The computed 12-month bankruptcy probability of AY INVEST is 3.2% (moderate). The 2025 annual accounts show negative equity (-€6,118) and a net result of -€24,700. Equity has been stable since 2018 (±2.4% per year). Its solvency ranks better than 12% of 5,906 sector peers (NACE 49, financial year 2025). The company has been active since 2017 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 06-04-2017 Normal situation
Activity
On-demand passenger transport by chauffeured vehicle NACE 49330and 3 others
Establishment unit
2.263.981.186 1050 Elsene, since 06-04-2017
Financial year end
31 December
Peppol
Reachable since 21-05-2026

Board and ownership

Board

Financial position

49 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
3.2%
Annual accounts 2025
Turnover
€102,131
▼ 16.2%
Loss
€24,700
Equity
-€6,118
Total assets
€48,854
▼ 47.5%
Staff
0.8 FTE
▼ 33.3%
  • Negative equity on 31-12-2025
Score breakdownraises riskLoss of €24,700 (financial year 2025)Negative equity -€6,118Sector: Land transport and transport via pipelines (NACE 49)lowers riskSize: turnover €102,131, total assets €48,854Show the evidence

Checked score

Score 2025
49 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 20% of micro companies in land transport (NACE 49)
Financial strength · tick: 2024
Weak
Solvency 12-33
equity -12.5% of total assets
Liquidity 50+12
short-term debt 112.5% · cash 44.5%
Profitability 0-63
return on assets -50.6%
Bankruptcy probability within 12 months
3.2% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.9% (9,099 companies, NACE 49, micro)
Last 24 months 12-2024: 9.3%highest value 01-2025: 3.6%▼ -5.7 percentage points vs 12-2024 02-2025: 3.6%● unchanged vs 01-2025 03-2025: 3.6%● unchanged vs 02-2025 04-2025: 3.6%● unchanged vs 03-2025 05-2025: 3.6%● unchanged vs 04-2025 06-2025: 2.9%▼ -0.7 percentage points vs 05-2025 07-2025: 2.9%● unchanged vs 06-2025 08-2025: 3.5%▲ +0.6 percentage points vs 07-2025 09-2025: 4.1%▲ +0.6 percentage points vs 08-2025 10-2025: 6.2%▲ +2.1 percentage points vs 09-2025 11-2025: 6.3%▲ +0.1 percentage points vs 10-2025 12-2025: 3.1%▼ -3.2 percentage points vs 11-2025 01-2026: 3.1%● unchanged vs 12-2025 02-2026: 3.2%▲ +0.1 percentage points vs 01-2026 03-2026: 3.1%▼ -0.1 percentage points vs 02-2026 04-2026: 3.2%▲ +0.1 percentage points vs 03-2026 05-2026: 3.1%▼ -0.1 percentage points vs 04-2026 06-2026: 2.8%▼ -0.3 percentage points vs 05-2026lowest value 07-2026: 2.9%▲ +0.1 percentage points vs 06-2026 08-2026: 3.2%▲ +0.3 percentage points vs 07-2026 09-2026: 3.2%● unchanged vs 08-2026 10-2026: 3.2%● unchanged vs 09-2026 11-2026: 3.2%● unchanged vs 10-2026
No credit on open account
Liquidity is insufficient, with a current ratio of 0.79 (1.1 in 2024), below 1. Short-term debt is 112.5% and cash 44.5% of total assets. Equity is negative.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 49, micro). It does better than 11% of them on solvency, 52% on liquidity, 6% on profitability and 12% on growth.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Size: turnover €102,131, total assets €48,854
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Loss of €24,700 (financial year 2025)
NBB · annual accounts
raises risk · Negative equity -€6,118
NBB · annual accounts
raises risk · Sector: Land transport and transport via pipelines (NACE 49)
KBO
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€6,118
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 27-07-2026, 4 days ahead of the deadline.
NBB · 9 filings
Deviation from the deadline
2025
4 days early
2024
111 days late
2023
121 days late
2022
107 days late
2021
74 days early
2020
36 days early
2019
71 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 42 days after the deadline. In the sector (NACE 49), the median for financial year 2024 was on the deadline day, and 49% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 15 November (4 of the last 5 accounts filed within 111 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€6,118 View
  • Caution: Lower net result than 93% of companies in land transportsector median €5,708 · 5,877 companies -€24,700 View

Recent changes

  1. · Gazette deed Change of role: STITOU Samir, from manager to director
  2. · Gazette deed Registered office moved from Forest to IxellesNew seat: Rue gray 109- 1050 Ixelles · Previous seat: BOULEVARD DE LA DEUXIEME ARMEE BRITANNIQUE 50 - 1190 FOREST
  3. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as AY INVEST: on-demand passenger transport by chauffeured vehicle (NACE 49330). They are comparable in size and age: total assets between €37,000 and €51,500, founded between 2014 and 2018.

CompanyTotal assetsGross margin
AY INVEST Elsene€48,854€18,127
KARIZ Brussel€48,778€15,734
MAC Transport Etterbeek€50,293€17,615
ARZ Anderlecht€44,634€16,397
JMD7 Zaventem€51,515€17,744
TEK TEK Antwerpen€44,592€22,273
WASSATIYA Elsene€37,041€19,705
Full comparison

Key facts about AY INVEST

What is the company number of AY INVEST?
The company number of AY INVEST is 0673.940.063. The VAT number is the same number with BE in front: BE 0673.940.063.
Where is AY INVEST based?
The registered office is at Graystraat 109, 1050 Elsene.Company details
What does AY INVEST do?
According to the KBO register, the main activity is on-demand passenger transport by chauffeured vehicle (NACE 49330).
What is the legal form of AY INVEST?
The legal form of AY INVEST is Private limited company (BV).
When was AY INVEST founded?
AY INVEST was founded on 06-04-2017.
Is AY INVEST still active?
Yes, AY INVEST is an active enterprise in the KBO register.
How many employees does AY INVEST have?
AY INVEST had an average of 0.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of AY INVEST?
The turnover of AY INVEST was €102,131 in financial year 2025, according to the filed annual accounts.
Is AY INVEST profitable?
In financial year 2025, AY INVEST made a loss of €24,700.
Where can I find the annual accounts of AY INVEST?
AY INVEST filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of AY INVEST due?
AY INVEST must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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