AYA CAR
ActiveAYA CAR has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €900. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 71% of 7931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-5
Solvency91▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.86 against 2.48 in 2024; short-term debt: 34.5% and cash: 8.2% of total assets), and 34.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 46
Relative position
BE, all sectors
reference
Sector 46
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
65.5%
Return on assets
1.7%
Age of the figures
9 mo
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
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
30 d late
2023
on the day
2022
16 d late
2021
1 d late
2020
3 d early
2019
9 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€34k▲ 2.7%
2024 · €33k
2018: €19k
2019: €20k
2020: €27k
2021: €27k
2022: €29k
2023: €30k
2024: €33k
2018 → 2025
Total assets
€52k▼ 1.7%
2024 · €53k
2018: €28k
2019: €26k
2020: €46k
2021: €40k
2022: €50k
2023: €40k
2024: €53k
2018 → 2025
Net result
€900▼ 69.3%
2024 · €3k
2018: €620
2019: €914
2020: €7k
2021: €645
2022: €1k
2023: €1k
2024: €3k
2018 → 2025
Working capital
€33k▲ 14.5%
2024 · €29k
2018: €19k
2019: €19k
2020: €7k
2021: €10k
2022: €16k
2023: €22k
2024: €29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€29k▲ 4.8%€30k▲ 4.9%€33k▲ 9.7%€34k▲ 2.7%
Operating result€286-€3k▲ 794%€4k▲ 73.7%€4k▼ 7.2%€4k▼ 9.7%
Net result€645-€1k▲ 103%€1k▲ 7.1%€3k▲ 109%€900▼ 69.3%
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 fallen two years in a row; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52k
Fixed assets
€680▼ 83.0%
Current assets
€51k▲ 5.0%
Equity and liabilities €52k
Equity
€34k▲ 2.7%
Debt
€18k▼ 9.1%
The debt ratio falls from 37.3% to 34.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €9k
Cash flow
€4k▼
2024 · €8k
Solvency
65.5%▲
2024 · 62.7%
Current ratio
2.86▲
2024 · 2.48
Quick ratio
1.07▼
2024 · 1.40
Debt / equity
0.53▼
2024 · 0.59
ROE
2.6%▼
2024 · 8.9%
ROA
1.7%▼
2024 · 5.6%
Interest coverage
43.00▲
2024 · 36.68
Debt
€18k▼
2024 · €20k
Debt ≤ 1 year
€18k▼
2024 · €20k
Income taxes
€3k▲
2024 · €950
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€53k€52k▼
Fixed assets21/28€4k€680▼
Tangible fixed assets22/27€4k€680▼
Furniture and vehicles24€4k€680▼
Current assets29/58€49k€51k▲
Stocks and contracts in progress3€21k€32k▲
Stocks30/36€21k€32k▲
Amounts receivable within one year40/41€20k€13k▼
Trade receivables40€19k€12k▼
Other amounts receivable41€1k€1k▼
Cash at bank and in hand54/58€5k€4k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€53k€52k▼
Equity10/15€33k€34k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€77€77=
Non-distributable reserves130/1€77€77=
Reserves not available under the articles1311€77€77=
Profit (loss) carried forward14€14k€15k▲
Amounts payable17/49€20k€18k▼
Amounts payable within one year42/48€20k€18k▼
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€216€813▲
Taxes450/3€216€813▲
Other amounts payable47/48€15k€13k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€10k€8k▼
Operating profit (loss)9901€4k€4k▼
Financial charges65/66B€243€164▼
Recurring financial charges65€243€164▼
Profit (loss) for the period before taxes9903€4k€4k▼
Income taxes67/77€950€3k▲
Profit (loss) for the period9904€3k€900▼
Profit (loss) for the period to be appropriated9905€3k€900▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€15k▲
Profit (loss) brought forward from the previous period14P€11k€14k▲
The notes to these accounts (5 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €7k ▲627%
Operating result €7k, net result €7k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
13-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2021
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
16-04-2021
BOUTERBIAT Ali: Resigned as Managing director
19-03-2018
KILANI Zineb: Resigned as Managing director
Location & real-estate footprint
Registered office, Charleroi · 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.
Rue de Crayencour 176030 CharleroiGround area
990 m²
Building footprint
152 m²
Volume, LiDAR
1,745 m³
2 parcels, Wallonia · tallest building 15.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
AYA CAR
since 20182.273.034.850
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52012A1088/00H002 | Wallonia | 794 m² | 1 · 82 m² | 15.8 m · 5 fl. |
| 52044B0362/00N000 | Wallonia | 196 m² | 1 · 69 m² | 9.8 m · 3 fl. |
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.
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AUTO CONTINENTAL
BE 1007.391.619
Ans · Eq €34k
MALHERBE A.W.
BE 0463.237.554
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MARC LENAERTS
BE 0444.695.015
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Of 2,131 companies in sector 46711 we hold annual accounts for 1,126. 677 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-02-2018
Fiscal year end31-12
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.