AYAIN
ActiveThe computed 12-month bankruptcy probability of AYAIN is 3.2% (moderate). The 2025 annual accounts show equity of €10k and a net result of €351. Equity is growing by ~16.4% per year across the filed fiscal years. Its solvency ranks better than 29% of 18039 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-10
Solvency35▲+1
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.86 against 0.79 in 2024; short-term debt: 90.5% and cash: 20.3% of total assets), and 90.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 18-07-2026, 13 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
13 d early
2024
13 d early
2023
5 d early
2022
11 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▲ 3.7%
2024 · €9k
2022: €6k
2023: €8k
2024: €9k
2022 → 2025
Total assets
€102k▲ 0.6%
2024 · €102k
2022: €65k
2023: €89k
2024: €102k
2022 → 2025
Net result
€351▼ 77.8%
2024 · €2k
2022: €1k
2023: €2k
2024: €2k
2022 → 2025
Working capital
€-12k▲ 36.7%
2024 · €-20k
2022: €2k
2023: €4k
2024: €-20k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€6k-€8k▲ 28.8%€9k▲ 20.3%€10k▲ 3.7%
Operating result€3k-€4k▲ 43.1%€4k▲ 12.1%€3k▼ 30.2%
Net result€1k-€2k▲ 67.0%€2k▼ 9.0%€351▼ 77.8%
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 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €102k
Fixed assets
€22k▼ 23.7%
Current assets
€80k▲ 10.4%
Equity and liabilities €102k
Equity
€10k▲ 3.7%
Debt
€92k▲ 0.3%
The debt ratio falls from 90.8% to 90.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€10k▼
2024 · €11k
Cash flow
€7k▼
2024 · €8k
Solvency
9.5%▲
2024 · 9.2%
Current ratio
0.86▲
2024 · 0.79
Quick ratio
0.22▲
2024 · 0.15
Debt / equity
9.52▼
2024 · 9.85
ROE
3.6%▼
2024 · 16.9%
ROA
0.3%▼
2024 · 1.6%
Interest coverage
5.02▼
2024 · 6.00
Debt
€92k▲
2024 · €92k
Debt ≤ 1 year
€92k▲
2024 · €92k
Income taxes
€767▼
2024 · €978
Staff costs
€32k▼
2024 · €49k
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€102k€102k▲
Fixed assets21/28€29k€22k▼
Intangible fixed assets21€4k€3k▼
Tangible fixed assets22/27€26k€19k▼
Furniture and vehicles24€26k€19k▼
Current assets29/58€72k€80k▲
Stocks and contracts in progress3€59k€59k▲
Stocks30/36€59k€59k▲
Amounts receivable within one year40/41€2k-
Other amounts receivable41€2k-
Cash at bank and in hand54/58€11k€21k▲
Deferred charges and accrued income490/1€823-
Equity and liabilities
Total equity and liabilities10/49€102k€102k▲
Equity10/15€9k€10k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€4k€5k▲
Amounts payable17/49€92k€92k▲
Amounts payable within one year42/48€92k€92k▲
Trade debts44€66k€73k▲
Suppliers440/4€66k€73k▲
Taxes, remuneration and social security45€16k€14k▼
Taxes450/3€3k€5k▲
Remuneration and social security454/9€13k€9k▼
Other amounts payable47/48€10k€5k▼
Income statement
Code20242025
Remuneration, social security and pensions62€49k€32k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€3k€1k▼
Gross operating margin9900€64k€44k▼
Operating profit (loss)9901€4k€3k▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€3k€1k▼
Income taxes67/77€978€767▼
Profit (loss) for the period9904€2k€351▼
Profit (loss) for the period to be appropriated9905€2k€351▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€5k▲
Profit (loss) brought forward from the previous period14P€3k€4k▲
The notes to these accounts (7 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
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €351 ▼77.8%
Net result drops to €351, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €2k ▲67%
Net result €2k, the highest in the series.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Jette · 1 establishment unit since 2021
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.
Honoré Longtinstraat 1501090 JetteGround area
130 m²
Building footprint
130 m²
Volume, LiDAR
1,010 m³
Parcel 21464D0100/00Z003, Brussels · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AYAIN
since 20212.325.126.820
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21464D0100/00Z003 | Brussels | 130 m² | 1 · 130 m² | 11.5 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 siteJette2.325.126.820
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JUMA SR
BE 0671.956.810
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BHS
BE 0461.479.676
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ARMIN W
BE 0676.975.074
Anderlecht · Eq €10k
SCHOGEKA
BE 0474.883.987
Lier · Eq €10k
Coopérative du Viaduc
BE 0430.932.891
Tournai · Eq €10k
Of 10,529 companies in sector 47110 we hold annual accounts for 5,858. 3,428 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-07-2021
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.