AY WORX
ActiveSummary
The computed 12-month bankruptcy probability of AY WORX is 1.5% (moderate). The 2025 annual accounts show equity of €179k and a net result of €5k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 91% of 13305 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-11
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 4.19 against 3.05 in 2024; short-term debt: 19.3% and cash: 47.9% of total assets), and 19.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
80.7%
Return on assets
2.2%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
7 d early
2022
24 d early
2021
8 d early
2020
31 d late
2019
134 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€179k▲ 2.9%
2024 · €174k
2018: €24k
2019: €71k
2020: €111k
2021: €96k
2022: €128k
2023: €147k
2024: €174k
2018 → 2025
Total assets
€222k▼ 2.9%
2024 · €229k
2018: €43k
2019: €184k
2020: €164k
2021: €267k
2022: €171k
2023: €204k
2024: €229k
2018 → 2025
Net result
€5k▼ 81.4%
2024 · €27k
2018: €18k
2019: €47k
2020: €40k
2021: €-15k
2022: €32k
2023: €19k
2024: €27k
2018 → 2025
Working capital
€137k▲ 22.7%
2024 · €111k
2018: €11k
2019: €55k
2020: €68k
2021: €-48k
2022: €27k
2023: €60k
2024: €111k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€96k-€128k▲ 33.2%€147k▲ 15.1%€174k▲ 18.2%€179k▲ 2.9%
Operating result€-14k-€42k€32k▼ 23.6%€45k▲ 39.2%€14k▼ 69.4%
Net result€-15k-€32k€19k▼ 39.7%€27k▲ 39.0%€5k▼ 81.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 69% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €222k
Fixed assets
€42k ▼ 32.4%
Current assets
€180k ▲ 8.3%
Equity and liabilities €222k
Equity
€179k ▲ 2.9%
Debt
€43k ▼ 21.2%
Debt's share of the balance-sheet total falls from 23.8% to 19.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37k▼
2024 · €70k
Cash flow
€28k▼
2024 · €51k
Current ratio
4.19▲
2024 · 3.05
Quick ratio
3.88▲
2024 · 2.84
Debt to equity
0.24▼
2024 · 0.31
ROE
2.8%▼
2024 · 15.4%
ROA
2.2%▼
2024 · 11.7%
Interest coverage
11.65▼
2024 · 42.28
Debt ≤ 1 year
€43k▼
2024 · €54k
Income taxes
€6k▼
2024 · €17k
Staff costs
€74k▲
2024 · €52k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€229k€222k▼
Fixed assets21/28€63k€42k▼
Tangible fixed assets22/27€61k€40k▼
Land and buildings22€5k€5k▼
Plant, machinery and equipment23€10k€9k▼
Furniture and vehicles24€12k€245▼
Other tangible fixed assets26€34k€26k▼
Financial fixed assets28€2k€2k=
Current assets29/58€166k€180k▲
Stocks and contracts in progress3€11k€13k▲
Stocks30/36€11k€13k▲
Amounts receivable within one year40/41€75k€60k▼
Trade receivables40€48k€53k▲
Other amounts receivable41€27k€7k▼
Cash at bank and in hand54/58€75k€106k▲
Deferred charges and accrued income490/1€5k-
Equity and liabilities
Total equity and liabilities10/49€229k€222k▼
Equity10/15€174k€179k▲
Contributions10/11€6k€6k=
Reserves13€168k€173k▲
Distributable reserves133€168k€173k▲
Amounts payable17/49€54k€43k▼
Amounts payable within one year42/48€54k€43k▼
Trade debts44€16k€18k▲
Suppliers440/4€16k€18k▲
Taxes, remuneration and social security45€39k€25k▼
Taxes450/3€39k€25k▼
Income statement
Code20242025
Remuneration, social security and pensions62€52k€74k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€23k▼
Other operating charges640/8€7k€5k▼
Gross operating margin9900€128k€115k▼
Operating profit (loss)9901€45k€14k▼
Financial income75/76B€31€1▼
Recurring financial income75€31€1▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€43k€11k▼
Income taxes67/77€17k€6k▼
Profit (loss) for the period9904€27k€5k▼
Profit (loss) for the period to be appropriated9905€27k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€5k▼
Transfer to equity691/2€27k€5k▼
To other reserves6921€27k€5k▼
The notes to these accounts (6 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
03-09
State Gazette act
Capital & sharesStatutes amendment2 facts ▸
State Gazette act
Capital & shares
Statutes amendment2 facts ▸
- General meeting, 28-12-2023
- Statutes amendment
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €174k ▲18.2%
3 profitable years in a row build equity to €174k.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.63
Current ratio from 0.72 to 1.63; short-term debt falls from €170k to €43k.
31-12
Financial
Equity above €100kEq €128k ▲33.2%
Equity rises from €96k to €128k.
23-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-15k ▼138%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Show earlier events
2020
31-12
Financial
Equity above €100kEq €111k ▲56.3%
3 profitable years in a row build equity to €111k.
12-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 134 days late
2019
31-12
Financial
Highest result since 2018net €47k ▲161%
Operating result €59k, net result €47k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2018
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.
Kroonplein 162170 AntwerpenGround area
322 m²
Building footprint
137 m²
Volume, LiDAR
1,060 m³
Parcel 11422C0169/00P006, Flanders · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Ay Worx
since 20182.271.389.414
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11422C0169/00P006 | Flanders | 322 m² | 1 · 137 m² | 10.6 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.271.389.414
Similar companies · same sector, comparable size
MY BURGER
BE 0668.685.633
Assesse · Eq €179,189
EMIRDAG KOFTECISI
BE 0880.331.814
Schaarbeek · Eq €179,241
ACTICOM
BE 0450.656.555
Ottignies-Louvain-la-Neuve · Eq €178,909
MARGUERITE
BE 0776.531.223
Durbuy · Eq €178,790
NEAVISSA
BE 0890.001.229
Brussel · Eq €178,771
Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 6,933 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-2017
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.