Liquidity
0.88 was 0.41 in 2024
Short-term debts rose from €40,311 to €42,720.
AYA BUSINESS
Lifetime
7 annual accounts with figures on one time axisGross marginpeak €22,479 (2025)
€22,479▲ 23.0%
Resultlowest -€3,909 (2022)
€4,368▼ 25.8%
Equitypeak €28,283 (2025)
€28,283▲ 18.3%
Debts
€42,720▲ 6.0%
Board3 names since 2023
2 directorsBADRI MOHAMMED and 1 other
Documentsfilings and deeds
08-07-202623 days before the deadline
2025micro format
Gross margin from €18,270 to €22,479Result from €5,890 to €4,368Transfer of 30 shares from LOUMRHARI SAYAD AHMED to BADRI MOH… 18-04Equity from €23,915 to €28,283Cash from €4,895 to €6,755
Key points
from the 2025 annual accountsFilings
7 annual accounts 5 late
The 2019 accounts came latest: 122 days after the end of the period.
At the same address
15 companies
Checked score
54
Fair
Financially stronger than 50% of micro companies in land transport (NACE 49)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.9% across 9,101 companies (NACE 49, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 5.0%highest value
01-2025: 4.9%▼ -0.1 percentage points vs 12-2024
02-2025: 4.9%● unchanged vs 01-2025
03-2025: 4.9%● unchanged vs 02-2025
04-2025: 4.9%● unchanged vs 03-2025
05-2025: 4.9%● unchanged vs 04-2025
06-2025: 4.8%▼ -0.1 percentage points vs 05-2025
07-2025: 3.4%▼ -1.4 percentage points vs 06-2025
08-2025: 3.4%● unchanged vs 07-2025
09-2025: 3.4%● unchanged vs 08-2025
10-2025: 3.4%● unchanged vs 09-2025
11-2025: 3.4%● unchanged vs 10-2025
12-2025: 3.4%● unchanged vs 11-2025
01-2026: 3.3%▼ -0.1 percentage points vs 12-2025
02-2026: 3.3%● unchanged vs 01-2026
03-2026: 3.2%▼ -0.1 percentage points vs 02-2026
04-2026: 3.2%● unchanged vs 03-2026
05-2026: 3.0%▼ -0.2 percentage points vs 04-2026
06-2026: 2.9%▼ -0.1 percentage points vs 05-2026
07-2026: 2.9%● unchanged vs 06-2026
08-2026: 2.5%▼ -0.4 percentage points vs 07-2026
09-2026: 2.5%● unchanged vs 08-2026
10-2026: 2.0%▼ -0.5 percentage points vs 09-2026lowest value
11-2026: 2.0%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Sector: Land transport and transport via pipelines (NACE 49)
1 of the last 3 accounts late
Size: total assets €71,002
Founded in 2018
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 52% of them on solvency, 27% on liquidity, 57% on profitability and 65% on growth.
The bankruptcy probability was computed on 05-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as AYA BUSINESS has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of AYA BUSINESS itself is higher: 2.0% within 12 months. It rests on far more data about AYA BUSINESS than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for AYA BUSINESS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.88 (0.41 in 2024), below 1. Short-term debt is 60.2% and cash 9.5% of total assets. 60.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises riskneutral
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 08-07-2026, 23 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
23 days early
2024
41 days early
2023
49 days late
2022
81 days late
2021
77 days late
2020
89 days late
2019
122 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 51 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 19 September (4 of the last 5 accounts filed within 73 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
BM
BADRI MOHAMMED
Director, since 28-12-2023
- BADRI MOHAMMED 30 sharesdeed of 18-04-2025
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0705932643
Transfer of 30 shares from LOUMRHARI SAYAD AHMED to BADRI MOHAMMED
Resignation: LOUMRHARI SAYAD AHMED (director) · General meeting of 31-03-2025 · Gazette deed
Transfer of 30 shares from Badri Mohammed to Loumrhari Sayad Ahmed
Appointment: Loumrhari Sayad Ahmed (director) · General meeting of 08-07-2024 · Gazette deed
Transfer of 30 shares from Badri Mohammed to Azaouagh Youssef
Appointment: Azaouagh Youssef (director) · General meeting of 07-05-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Turnover | EBIT margin | Solvency | Staff |
|---|---|---|---|---|
| AYA BUSINESS Brussels | - | - | 39.8% | - |
| UNIVERSAL Brussels | €71,900 | -2.2% | 98.3% | - |
| NJA & FAN Ixelles | - | - | 80.6% | - |
| HAYA TRANSPORT Schaerbeek | - | - | 65.3% | - |
| NAYYA Saint-Josse-ten-Noode | €63,211 | 2.1% | 36.9% | - |
| BEN MAJESTIC Molenbeek-Saint-Jean | €51,563 | -12.2% | -14.5% | - |
| ARMYA Sint-Gillis (bij-Brussel) | - | - | 91.6% | - |
These companies have the same main activity as AYA BUSINESS: on-demand passenger transport by chauffeured vehicle (NACE 49330). They are comparable in size and age: total assets between €69,000 and €74,200, founded between 2017 and 2019.
Official details
Source: KBO- Status
- Active since 27-09-2018Normal situation
- Registered office
- 16 active companies are registered at this addressSource: KBO register, as of 6 November 2026.
- Activity
- On-demand passenger transport by chauffeured vehicleNACE 49330
- Establishment unit
- 2.283.511.4441000 Brussels, since 01-10-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 02-02-2026
Annual accounts 2025
- Turnover
- ≈ €120,000estimated
- Total assets
- €71,002▲ 10.6%
- Filing
- Filed on 08-07-2026, 23 days before the end of the filing period
Insights on AYA BUSINESS
AYA BUSINESS files the micro format. That format states no turnover. The gross margin rose from €4,583 in 2019 to €22,479 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about AYA BUSINESS
- What is the company number of AYA BUSINESS?
- The company number of AYA BUSINESS is 0705.932.643. The VAT number is the same number with BE in front: BE 0705.932.643.
- Where is AYA BUSINESS based?
- The registered office is at Zuidstraat 133, 1000 Brussels.Company details
- What does AYA BUSINESS 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 AYA BUSINESS?
- AYA BUSINESS is a private limited company (BV).
- When was AYA BUSINESS founded?
- AYA BUSINESS was founded on 27-09-2018.
- Is AYA BUSINESS still active?
- Yes, AYA BUSINESS is an active enterprise in the KBO register.
- What is the turnover of AYA BUSINESS?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €22,479 and 136 comparable companies (NACE 49330). It probably lies between €77,000 and €200,000. It is a rough estimate. In financial year 2020 turnover was €29,286.Financials
- Is AYA BUSINESS profitable?
- In financial year 2025, AYA BUSINESS made a profit of €4,368.
- Where can I find the annual accounts of AYA BUSINESS?
- AYA BUSINESS filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of AYA BUSINESS due?
- AYA BUSINESS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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