AY-TEZ

Active

Private limited companyfounded 20215 yrs activePaleizenstraat 91, 1030 Schaarbeek, BelgiumKBO/BCE: BE 0765.650.494

The computed 12-month bankruptcy probability of AY-TEZ is 3.5% (moderate). The 2025 annual accounts show equity of €105k and a net result of €45k. Equity is growing by ~18.5% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

73 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+7

Solvency100▲+27

Growth78▲+20

Track record94

Bankruptcy probability, 12 months

3.5% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity ample (current ratio 8.24 against 1.63 in 2024; short-term debt: 11.1% and cash: 12.1% of total assets), and 11.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

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

88.9%

Return on assets

38.2%

Age of the figures

9 mo

A punctual record breaks

This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-09-2026, 45 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.

NBB · 5 filings

Deviation from the deadline

2025

45 d late

2024

13 d early

2023

5 d early

2022

11 d early

2021

3 d early

← before the deadline after the deadline →

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 months

Position in the running window

17-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€105k▲ 75.3%

2024 · €60k

2021: €69k 2022: €34k 2023: €36k 2024: €60k

2021 → 2025

Total assets

€118k▼ 6.0%

2024 · €126k

2021: €73k 2022: €46k 2023: €102k 2024: €126k

2021 → 2025

Net result

€45k▲ 87.1%

2024 · €24k

2021: €-31k 2022: €-36k 2023: €2k 2024: €24k

2021 → 2025

Working capital

€95k▲ 130%

2024 · €41k

2021: €34k 2022: €4k 2023: €11k 2024: €41k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€69k-€34k▼ 51.4%€36k▲ 6.8%€60k▲ 67.4%€105k▲ 75.3%

Operating result€-31k-€-35k▼ 12.1%€2k€25k▲ 921%€48k▲ 89.6%

Net result€-31k-€-36k▼ 14.8%€2k€24k▲ 963%€45k▲ 87.1%

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

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed three years in a row; 2025 is 90% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €118k

91.1%

Fixed assets €11k▼ 44.1%

Current assets €108k▲ 0.6%

Equity and liabilities €118k

88.9%

11%

Equity €105k▲ 75.3%

Debt €13k▼ 80.1%

The debt ratio falls from 52.3% to 11.1%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

Solvency

88.9%▲

2024 · 47.7%

Current ratio

8.24▲

2024 · 1.63

Quick ratio

1.10▲

2024 · 0.09

Debt / equity

0.12▼

2024 · 1.10

ROE

43.0%▲

2024 · 40.3%

ROA

38.2%▲

2024 · 19.2%

Debt

€13k▼

2024 · €66k

Debt ≤ 1 year

€13k▼

2024 · €66k

Income taxes

€2k

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€126k€118k▼

Fixed assets21/28€19k€11k▼

Tangible fixed assets22/27€8k-

Plant, machinery and equipment23€2k-

Other tangible fixed assets26€7k-

Financial fixed assets28€11k€11k=

Current assets29/58€107k€108k▲

Stocks and contracts in progress3€101k€93k▼

Stocks30/36€101k€93k▼

Amounts receivable within one year40/41-€133

Other amounts receivable41-€133

Cash at bank and in hand54/58€6k€14k▲

Equity and liabilities

Total equity and liabilities10/49€126k€118k▼

Equity10/15€60k€105k▲

Contributions10/11€100k€100k=

Profit (loss) carried forward14€-40k€5k▲

Amounts payable17/49€66k€13k▼

Amounts payable within one year42/48€66k€13k▼

Taxes, remuneration and social security45€2k€2k▼

Taxes450/3€2k€2k▼

Other amounts payable47/48€64k€11k▼

Income statement Code20242025

Non-recurring operating income76A-€56k

Remuneration, social security and pensions62€2k-

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k-

Other operating charges640/8€487€4k▲

Gross operating margin9900€33k€51k▲

Operating profit (loss)9901€25k€48k▲

Financial charges65/66B€927€125▼

Recurring financial charges65€927€125▼

Profit (loss) for the period before taxes9903€24k€47k▲

Income taxes67/77-€2k

Profit (loss) for the period9904€24k€45k▲

Profit (loss) for the period to be appropriated9905€24k€45k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-40k€5k▲

Profit (loss) brought forward from the previous period14P€-64k€-40k▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 10Financial 5Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

14-09

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 45 days late

2025

31-12

Financial Highest result since 2021net €45k ▲87.1%

Operating result €48k, net result €45k, both a record.

31-12

Financial Liquidity times 5current ratio 8.24

Current ratio from 1.63 to 8.24; short-term debt falls from €66k to €13k.

31-12

Financial Equity above €100kEq €105k ▲75.3%

3 profitable years in a row build equity to €105k.

18-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

26-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Back to profitnet €2k

Net result €2k after 2 loss-making years.

20-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €-36k

Net result drops to €-36k, the lowest in the series; recovery starts the following year.

28-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 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, Schaarbeek · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Paleizenstraat 911030 Schaarbeek

Ground area

621 m²

Building footprint

615 m²

Volume, LiDAR

11,799 m³

Parcel 21909E0213/00W000, Brussels · tallest building 27.8 m, ±8 floors. Linked by address, not a title deed.

1 establishment unit

AY-TEZ

Paleizenstraat 91, 1030 SchaarbeekRetail sale of watches and jewellery

since 20212.318.985.334

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21909E0213/00W000	Brussels	621 m²	1 · 615 m²	27.8 m · 8 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Structure & network

Connections & network

2 connected companies

Network connections

IMS FACILITIES

Shared address

→

SURSUM & CORDA

Shared address

→

Similar companies · same sector, comparable size

Needles and Pins Hasselt

Of 2,016 companies in sector 47770 we hold annual accounts for 900. 670 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded25-03-2021

Fiscal year end31-12

Activities, NACEBEL

47770Retail sale of watches and jewellery

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.