AYA
ActiveSummary
AYA has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €602k and a net result of €171k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 65% of 9716 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability86▲+18
Solvency74▲+20
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 4.45 against 1.92 in 2023; short-term debt: 22.4% and cash: 31.6% of total assets), but 50.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
30 d late
2023
30 d late
2022
32 d late
2021
76 d late
2020
60 d late
2019
92 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€602k▲ 12.1%
2023 · €537k
2018: €401k
2019: €477k
2020: €452k
2021: €438k
2022: €418k
2023: €537k
2018 → 2024
Total assets
€1.22M▼ 34.2%
2023 · €1.85M
2018: €491k
2019: €578k
2020: €775k
2021: €1.72M
2022: €1.77M
2023: €1.85M
2018 → 2024
Net result
€171k▲ 44.6%
2023 · €119k
2018: €7k
2019: €75k
2020: €-25k
2021: €-14k
2022: €-20k
2023: €119k
2018 → 2024
Working capital
€942k▲ 5.9%
2023 · €889k
2018: €401k
2019: €476k
2020: €422k
2021: €420k
2022: €755k
2023: €889k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€452k-€438k▼ 3.1%€418k▼ 4.5%€537k▲ 28.4%€602k▲ 12.1%
Operating result€-18k-€-12k▲ 33.5%€3k€195k▲ 6,373%€283k▲ 45.2%
Net result€-25k-€-14k▲ 44.2%€-20k▼ 44.1%€119k€171k▲ 44.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 45% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.22M
Fixed assets
€4k ▲ 71.1%
Current assets
€1.22M ▼ 34.3%
Equity and liabilities €1.22M
Equity
€602k ▲ 12.1%
Debt
€617k ▼ 53.1%
Debt's share of the balance-sheet total falls from 71.0% to 50.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€284k▲
2023 · €195k
Cash flow
€172k▲
2023 · €119k
Current ratio
4.45▲
2023 · 1.92
Quick ratio
2.14▲
2023 · 1.05
Debt to equity
1.03▼
2023 · 2.45
ROE
28.5%▲
2023 · 22.1%
ROA
14.1%▲
2023 · 6.4%
Interest coverage
9.13▲
2023 · 4.89
Debt ≤ 1 year
€273k▼
2023 · €961k
Debt > 1 year
€319k=
2023 · €319k
Income taxes
€81k▲
2023 · €37k
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 · 2024 against 2023 · 53 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.85M€1.22M▼
Fixed assets21/28€2k€4k▲
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€2k€2k▼
Financial fixed assets28€250€2k▲
Current assets29/58€1.85M€1.22M▼
Stocks and contracts in progress3€842k€631k▼
Stocks30/36€842k€631k▼
Amounts receivable within one year40/41€576k€140k▼
Trade receivables40€164k€40k▼
Other amounts receivable41€412k€100k▼
Current investments50/53€59k€59k=
Cash at bank and in hand54/58€373k€385k▲
Equity and liabilities
Total equity and liabilities10/49€1.85M€1.22M▼
Equity10/15€537k€602k▲
Contributions10/11€74k€74k=
Capital10€74k€74k=
Issued capital100€74k€74k=
Reserves13€462k€527k▲
Non-distributable reserves130/1€66k€66k=
Legal reserve130€7k€7k=
Own shares acquired1312€59k€59k=
Distributable reserves133€396k€461k▲
Amounts payable17/49€1.32M€617k▼
Amounts payable after more than one year17€319k€319k=
Financial debts170/4€319k€319k=
Amounts payable within one year42/48€961k€273k▼
Financial debts43€560k-
Credit institutions430/8€560k-
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€12k€39k▲
Taxes450/3€12k€39k▲
Other amounts payable47/48€385k€231k▼
Accrued charges and deferred income492/3€36k€26k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€114€418▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€197k€285k▲
Operating profit (loss)9901€195k€283k▲
Financial income75/76B€19€242▲
Recurring financial income75€19€242▲
Financial charges65/66B€40k€31k▼
Recurring financial charges65€40k€31k▼
Profit (loss) for the period before taxes9903€155k€253k▲
Income taxes67/77€37k€81k▲
Profit (loss) for the period9904€119k€171k▲
Profit (loss) for the period to be appropriated9905€119k€171k▲
Appropriation of the result
Profit (loss) to be appropriated9906€119k€171k▲
Transfer from equity791/2-€107k
Transfer to equity691/2€119k€171k▲
To other reserves6921€119k€171k▲
Profit to be distributed694/7-€107k
Return on contributions (dividend)694-€107k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2024
31-12
Financial
Highest result since 2018net €171k ▲44.6%
Operating result €283k, net result €171k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.45
Current ratio from 1.92 to 4.45; short-term debt falls from €961k to €273k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Back to profitnet €119k
Net result €119k after 3 loss-making years.
31-12
Financial
Equity above €500kEq €537k ▲28.4%
Equity rises from €418k to €537k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
15-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 76 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
31-12
Financial
Weakest financial yearnet €-25k ▼133%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
Show earlier events
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
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, Anzegem · 1 establishment unit since 1995
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.
Vossestraat 698570 AnzegemGround area
8,490 m²
Building footprint
537 m²
Volume, LiDAR
2,239 m³
Parcel 34018C0310/00H000, Flanders · tallest building 9.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
AYA
since 19952.070.041.069
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34018C0310/00H000 | Flanders | 8,490 m² | 1 · 537 m² | 9.1 m · 1 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.
Similar companies · same sector, comparable size
YUST Real Estate Antwerp
BE 0716.848.707
Antwerpen · Eq €601,692
Cornerstones
BE 0443.899.714
Kontich · Eq €602,794
SCAPTA
BE 0634.869.948
Hasselt · Eq €600,257
KWeg1
BE 0671.754.494
Schoten · Eq €602,989
HERCA
BE 0874.558.037
Sint-Truiden · Eq €603,160
Of 7,320 companies in sector 68110 we hold annual accounts for 5,381. 3,584 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 formPublic limited company
Founded13-12-1994
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.