AYA SOFIA
ActiveSummary
The computed 12-month bankruptcy probability of AYA SOFIA is 2.3% (moderate). The annual accounts of AYA SOFIA for fiscal year 2025 show a net loss of 87% of the equity at the start of that year. The 2025 annual accounts show equity of €5,498 and a net result of -€37,353. Equity is shrinking by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 23% of 11472 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-74
Solvency31▼-22
Growth22▼-30
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.03 against 1.32 in 2024; short-term debt: 94% and cash: 7.4% of total assets), and 94% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 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 2025Solvency, return and age of the figures
Solvency
6%
Return on assets
-40.6%
Age of the figures
18 mo
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
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 11472 sector peers (2025).
NBB · sector comparisonPosition among 11472 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
2 d early
2023
11 d early
2022
30 d late
2021
37 d late
2020
20 d late
2019
21 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 8 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close27-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€231,754▼ 26.5%
2020 · €315,120
EBIT margin
5.2%▲ 1.3pp
2020 · 4.0%
Net result
-€37,353
2024 · €7,126
Working capital
€2,707▼ 92.6%
2024 · €36,429
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€231,754▼ 26.5%
Operating result€12,133▼ 3.0%-€11,189€5,673€11,285▲ 98.9%-€32,690
Net result€9,170below the sector's middle half▼ 21.7%-€15,434below the sector's middle half€1,709within the sector's middle half€7,126within the sector's middle half▲ 317%-€37,353below the sector's middle half
EBIT margin5.2%▲ 1.3pp
Equity€49,451below the sector's middle half▲ 22.8%€34,017within the sector's middle half▼ 31.2%€35,726within the sector's middle half▲ 5.0%€42,851within the sector's middle half▲ 19.9%€5,498below the sector's middle half▼ 87.2%
Total assets€324,342below the sector's middle half▲ 50.6%€140,127within the sector's middle half▼ 56.8%€236,987within the sector's middle half▲ 69.1%€155,720within the sector's middle half▼ 34.3%€91,935within the sector's middle half▼ 41.0%
Debt€274,891▲ 57.0%€106,110▼ 61.4%€201,262▲ 89.7%€112,869▼ 43.9%€86,437▼ 23.4%
Working capital€45,530▲ 17.3%€31,095▼ 31.7%€25,672▼ 17.4%€36,429▲ 41.9%€2,707▼ 92.6%
Solvency15.2%below the sector's middle half▼ 3.5pp24.3%within the sector's middle half▲ 9.0pp15.1%within the sector's middle half▼ 9.2pp27.5%within the sector's middle half▲ 12.4pp6.0%below the sector's middle half▼ 21.5pp
Staff (FTE)4.9within the sector's middle half=3.9▼ 20.4%3.7▼ 5.1%3.3▼ 10.8%3.3=
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €32,690 after €11,285 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €91,935
Fixed assets
€2,791 ▼ 56.5%
Current assets
€89,144 ▼ 40.3%
Equity and liabilities €91,935
Equity
€5,498 ▼ 87.2%
Debt
€86,437 ▼ 23.4%
Debt's share of the balance-sheet total rises from 72.5% to 94.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€29,059▼
2024 · €14,917
Cash flow
-€33,721▼
2024 · €10,757
Current ratio
1.03▼
2024 · 1.32
Quick ratio
0.89▼
2024 · 1.29
Debt to equity
15.72▲
2024 · 2.63
ROE
-679.4%▼
2024 · 16.6%
ROA
-40.6%▼
2024 · 4.6%
Interest coverage
-206.08▼
2024 · 47.76
Debt ≤ 1 year
€86,437▼
2024 · €112,869
Income taxes
€4,522▲
2024 · €3,847
Staff costs
€41,917▼
2024 · €61,353
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 644 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 90% are still going.
- Micro
- 10 to 20 years old
- solvency under 10%
- a loss of 10% of the balance sheet or more
3.0%
went bankrupt
5.4%
stopped otherwise
90%
still going
A further 1.9% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 644 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €231,754 | - | - | - | - | - |
| Remuneration, social security and pensions62 | - | €47,753 | €41,496 | €61,353 | €41,917 | ▼ 31.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €551 | €1,000 | €2,313 | €3,631 | €3,631 | = |
| Other operating charges640/8 | - | €38,735 | €13,029 | €14,039 | €53,389 | ▲ 280% |
| Gross operating margin9900 | €69,366 | €76,298 | €62,511 | €90,309 | €66,248 | ▼ 26.6% |
| Operating profit (loss)9901 | €12,133 | -€11,189 | €5,673 | €11,285 | -€32,690 | ▼ 390% |
| Financial income75/76B | - | €0 | €1 | €0 | - | - |
| Recurring financial income75 | €1 | €0 | €1 | €0 | - | - |
| Financial charges65/66B | - | €228 | €286 | €312 | €141 | ▼ 54.9% |
| Recurring financial charges65 | €177 | €228 | €286 | €312 | €141 | ▼ 54.9% |
| Profit (loss) for the period before taxes9903 | €11,957 | -€11,417 | €5,388 | €10,973 | -€32,831 | ▼ 399% |
| Income taxes67/77 | €2,787 | €4,018 | €3,679 | €3,847 | €4,522 | ▲ 17.5% |
| Profit (loss) for the period9904 | €9,170 | -€15,434 | €1,709 | €7,126 | -€37,353 | ▼ 624% |
| Profit (loss) for the period to be appropriated9905 | €9,170 | -€15,434 | €1,709 | €7,126 | -€37,353 | ▼ 624% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €324,342 | €140,127 | €236,987 | €155,720 | €91,935 | ▼ 41.0% |
| Fixed assets21/28 | €3,921 | €2,921 | €10,054 | €6,423 | €2,791 | ▼ 56.5% |
| Tangible fixed assets22/27 | €2,449 | €1,449 | €8,582 | €4,951 | €1,319 | ▼ 73.4% |
| Plant, machinery and equipment23 | - | - | €3,670 | €2,170 | €670 | ▼ 69.1% |
| Furniture and vehicles24 | - | €1,449 | €4,912 | €2,780 | €649 | ▼ 76.7% |
| Financial fixed assets28 | €1,472 | €1,472 | €1,472 | €1,472 | €1,472 | = |
| Current assets29/58 | €320,421 | €137,205 | €226,933 | €149,298 | €89,144 | ▼ 40.3% |
| Stocks and contracts in progress3 | €30,780 | €31,359 | €9,327 | €3,827 | €12,550 | ▲ 228% |
| Stocks30/36 | - | €31,359 | €9,327 | €3,827 | €12,550 | ▲ 228% |
| Amounts receivable within one year40/41 | €272,080 | €80,255 | €198,779 | €129,267 | €68,747 | ▼ 46.8% |
| Trade receivables40 | - | €28,382 | €116,736 | €27,812 | €26,231 | ▼ 5.7% |
| Other amounts receivable41 | - | €51,874 | €82,043 | €101,456 | €42,516 | ▼ 58.1% |
| Cash at bank and in hand54/58 | €16,933 | €24,756 | €17,302 | €14,961 | €6,817 | ▼ 54.4% |
| Deferred charges and accrued income490/1 | - | €835 | €1,525 | €1,242 | €1,031 | ▼ 17.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €324,342 | €140,127 | €236,987 | €155,720 | €91,935 | ▼ 41.0% |
| Equity10/15 | €49,451 | €34,017 | €35,726 | €42,851 | €5,498 | ▼ 87.2% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €28,991 | €13,557 | €15,266 | €22,391 | -€14,962 | ▼ 167% |
| Amounts payable17/49 | €274,891 | €106,110 | €201,262 | €112,869 | €86,437 | ▼ 23.4% |
| Amounts payable within one year42/48 | €274,891 | €106,110 | €201,262 | €112,869 | €86,437 | ▼ 23.4% |
| Financial debts43 | - | - | €4 | €4 | €4 | = |
| Credit institutions430/8 | - | - | €4 | €4 | €4 | = |
| Trade debts44 | €65,025 | €35,154 | €64,616 | €36,968 | €10,377 | ▼ 71.9% |
| Suppliers440/4 | - | €35,154 | €64,616 | €36,968 | €10,377 | ▼ 71.9% |
| Advances received on contracts in progress46 | - | €50,523 | €113,690 | €59,573 | €59,573 | = |
| Taxes, remuneration and social security45 | - | €20,433 | €22,951 | €16,324 | €11,483 | ▼ 29.7% |
| Taxes450/3 | - | €2,065 | €5,430 | €8,932 | €6,770 | ▼ 24.2% |
| Remuneration and social security454/9 | - | €18,367 | €17,521 | €7,393 | €4,713 | ▼ 36.2% |
| Other amounts payable47/48 | - | - | - | - | €5,000 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,170 | -€15,434 | €1,709 | €7,126 | -€37,353 | ▼ 624% |
| + Depreciation and write-downs630 | €551 | €1,000 | €2,313 | €3,631 | €3,631 | = |
| Operating cash flow (approximation) | €9,721 | -€14,434 | €4,022 | €10,757 | -€33,721 | ▼ 413% |
| Investment in fixed assets (approximation) | - | €0 | -€9,446 | €0 | €0 | - |
| Change in cash | - | €7,822 | -€7,453 | -€2,341 | -€8,145 | ▼ 248% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-08
State Gazette act
Registered officeRegistered-office move · Power of attorney3 facts ▸
State Gazette act
Registered office
Registered-office move · Power of attorney3 facts ▸
- General meeting, 10-08-2026
- Registered-office move, Rue Maurice Van Rolleghem 16 1090 Jette
- Power of attorney
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet -€37,353
Net result drops to -€37,353, the lowest in the series.
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
20-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Back to profitnet €1,709
Net result €1,709 after one loss-making year.
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2021
07-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 37 days late
2020
20-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 20 days late
31-03
Financial
Back to profitnet €11,713
Net result €11,713 after one loss-making year.
2019
10-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
17-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 17 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 8 acts read
About the unread acts
Of the 8 Belgian State Gazette acts we know for this company, 1 has been read. The other 7 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 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, Jette · 2 establishment units since 2013
Ground area
1.0 ha
Building footprint
5,002 m²
Volume, LiDAR
39,561 m³
3 parcels, Brussels, Flanders · tallest building 51.6 m, ±4 floors. Linked by address, not a title deed.
11
companies at this address
See who is registered here
2 establishment units
-
since 20132.218.841.049
AYA SOFIA
since 20182.300.864.843
3 parcels
Flanders
1
(33.3%)
Brussels
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22001A0038/00K003 | Flanders | 8,442 m² | 1 · 4,446 m² | 51.5 m · 3 fl. |
| 21010B0046/03L000 | Brussels | 1,536 m² | 1 · 475 m² | 12.2 m · 3 fl. |
| 21906D0019/00D003 | Brussels | 86 m² | 1 · 82 m² | 16.5 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Articles of association
Other statement
Pouvoirs en vue de l'accomplissement des formalités administratives et de publication
Nom et qualité du notaire instrumentant ou de la personne ou des personnes ayant pouvoir de représenter la personne morale à l'égard des tiers
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Of 1,277 companies in sector 46160 we hold annual accounts for 687. 270 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded09-04-2013
Fiscal year end31-03
Activities, NACEBEL 2025
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
46423Wholesale of clothing, excluding workwear and underwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47789Other retail sale of new goods
E-invoicing
Reachable via Peppol
Peppol ID
0208:0525842146
Registered
27-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.