AY TERRA
ActiveThe computed 12-month bankruptcy probability of AY TERRA is 12.7% (high). The 2025 annual accounts show negative equity (€-10k) and a net result of €-6k. Equity is shrinking by ~158% per year across the filed fiscal years. Its solvency ranks better than 5% of 27787 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2025
17
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50=
Solvency0▼-13
Growth32=
Track record86
Bankruptcy probability, 12 months
12.7%
High
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.25 against 0.45 in 2024; short-term debt: 170.1% and cash: 10.6% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
-70.1%
Return on assets
-41.8%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year €-10k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
31 d late
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-10k▼ 148%
2024 · €-4k
2023: €3k
2024: €-4k
2023 → 2025
Total assets
€14k▼ 57.7%
2024 · €33k
2023: €26k
2024: €33k
2023 → 2025
Net result
€-6k▲ 13.3%
2024 · €-7k
2023: €189
2024: €-7k
2023 → 2025
Working capital
€-18k▲ 11.3%
2024 · €-20k
2023: €-22k
2024: €-20k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€3k-€-4k€-10k▼ 148%
Operating result€388-€-7k€-6k▲ 16.1%
Net result€189-€-7k€-6k▲ 13.3%
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 €6k in 2025 against €7k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14k
Fixed assets
€8k▼ 50.0%
Current assets
€6k▼ 65.2%
Key figures and ratios
EBITDA
€3k▲
2024 · €2k
Cash flow
€2k▲
2024 · €1k
Solvency
-70.1%▼
2024 · -12.0%
Current ratio
0.25▼
2024 · 0.45
Quick ratio
0.25▼
2024 · 0.45
Debt / equity
-2.43▲
2024 · -9.36
ROA
-41.8%▼
2024 · -20.4%
Interest coverage
12.29▼
2024 · 15.40
Debt
€24k▼
2024 · €37k
Debt ≤ 1 year
€24k▼
2024 · €37k
Income taxes
€5▼
2024 · €72
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€33k€14k▼
Fixed assets21/28€16k€8k▼
Tangible fixed assets22/27€16k€8k▼
Plant, machinery and equipment23€16k€8k▼
Current assets29/58€17k€6k▼
Amounts receivable within one year40/41€12k€4k▼
Trade receivables40€12k€2k▼
Other amounts receivable41-€3k
Cash at bank and in hand54/58€4k€1k▼
Equity and liabilities
Total equity and liabilities10/49€33k€14k▼
Equity10/15€-4k€-10k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-6k€-12k▼
Amounts payable17/49€37k€24k▼
Amounts payable within one year42/48€37k€24k▼
Trade debts44€11k€946▼
Suppliers440/4€11k€946▼
Taxes, remuneration and social security45€144€2k▲
Taxes450/3€144€2k▲
Other amounts payable47/48€26k€21k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k=
Gross operating margin9900€2k€3k▲
Operating profit (loss)9901€-7k€-6k▲
Financial charges65/66B€101€333▲
Recurring financial charges65€101€213▲
Non-recurring financial charges66B-€120
Profit (loss) for the period before taxes9903€-7k€-6k▲
Income taxes67/77€72€5▼
Profit (loss) for the period9904€-7k€-6k▲
Profit (loss) for the period to be appropriated9905€-7k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-12k▼
Profit (loss) brought forward from the previous period14P€289€-6k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
14-02
KBO administration
Address struck
Europalaan 89 3600 Die Sitzadresse Europalaan 89 3600 Genk · event 26-08-2024
2024
31-12
Financial
Weakest financial yearnet €-7k ▼3672%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Genesius-Rode · 1 establishment unit since 2023
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.
Waterloose Steenweg 2001640 Sint-Genesius-RodeGround area
7,505 m²
Building footprint
1,495 m²
Volume, LiDAR
16,574 m³
2 parcels, Flanders, Wallonia · tallest building 23.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
AY TERRA
since 20232.345.028.844
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22552E0048/00Z025 | Flanders | 7,308 m² | 1 · 1,453 m² | 23.0 m · 4 fl. |
| 62024A0806/00L002 | Wallonia | 197 m² | 1 · 42 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
JEAN TERRASSEMENTS
BE 0792.276.105
Walcourt · Eq €3k
ANTON1
BE 0548.732.364
Brussel · Eq €3k
WOUTER VAN DE VELDE
BE 0782.623.120
Berlare · Eq €3k
DELY PROTEK
BE 0777.414.121
Tournai · Eq €3k
KRANEN DE BONDT
BE 0437.354.687
Willebroek · Eq €3k
Of 8,456 companies in sector 43120 we hold annual accounts for 3,233. 607 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2023
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
41001General construction of residential buildings
43331Floor and wall tiling
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info.ay.terra@gmail.com