Ayano Direct
ActiveAyano Direct has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €257k and a net result of €79k. Equity is growing by ~31% per year across the filed fiscal years. Its solvency ranks better than 76% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+10
Solvency99▲+5
Growth52=
Stability94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.46 against 1.96 in 2024), and 36.7% 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.
−lowers risk+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
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
63.3%
Return on assets
19.4%
Age of the figures
8 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
Sector 46
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 31-07-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
13 d early
2023
8 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€257k▲ 44.1%
2024 · €178k
2023: €146k
2024: €178k
2023 → 2025
Total assets
€405k▲ 12.3%
2024 · €361k
2023: €234k
2024: €361k
2023 → 2025
Net result
€79k▲ 146%
2024 · €32k
2023: €96k
2024: €32k
2023 → 2025
Working capital
€217k▲ 22.9%
2024 · €177k
2023: €141k
2024: €177k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€146k-€178k▲ 21.8%€257k▲ 44.1%
Operating result€133k-€44k▼ 67.0%€106k▲ 142%
Net result€96k-€32k▼ 66.8%€79k▲ 146%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 142% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €405k
Fixed assets
€40k▲ 2,269%
Current assets
€366k▲ 1.7%
Equity and liabilities €405k
Equity
€257k▲ 44.1%
Debt
€149k▼ 18.7%
The debt ratio falls from 50.7% to 36.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€112k▲
2024 · €49k
Cash flow
€85k▲
2024 · €37k
Solvency
63.3%▲
2024 · 49.3%
Current ratio
2.46▲
2024 · 1.96
Quick ratio
1.72▲
2024 · 1.28
Debt / equity
0.58▼
2024 · 1.03
ROE
30.6%▲
2024 · 17.9%
ROA
19.4%▲
2024 · 8.8%
Interest coverage
205.06▲
2024 · 93.34
Debt
€149k▼
2024 · €183k
Debt ≤ 1 year
€149k▼
2024 · €183k
Income taxes
€27k▲
2024 · €12k
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€361k€405k▲
Fixed assets21/28€2k€40k▲
Intangible fixed assets21-€40k
Tangible fixed assets22/27€2k€0▼
Furniture and vehicles24€2k€0▼
Current assets29/58€360k€366k▲
Stocks and contracts in progress3€125k€109k▼
Stocks30/36€125k€109k▼
Amounts receivable within one year40/41€134k€179k▲
Trade receivables40€77k€163k▲
Other amounts receivable41€57k€15k▼
Cash at bank and in hand54/58€100k€76k▼
Deferred charges and accrued income490/1€511€2k▲
Equity and liabilities
Total equity and liabilities10/49€361k€405k▲
Equity10/15€178k€257k▲
Contributions10/11€50k€50k=
Reserves13€128k€207k▲
Distributable reserves133€128k€207k▲
Amounts payable17/49€183k€149k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€183k€149k▼
Current portion of amounts payable after more than one year42€2k€0▼
Financial debts43-€7k
Credit institutions430/8-€7k
Trade debts44€146k€135k▼
Suppliers440/4€146k€135k▼
Taxes, remuneration and social security45€35k€7k▼
Taxes450/3€35k€7k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€867€832▼
Gross operating margin9900€50k€113k▲
Operating profit (loss)9901€44k€106k▲
Financial income75/76B€561€48▼
Recurring financial income75€561€48▼
Financial charges65/66B€524€547▲
Recurring financial charges65€524€547▲
Profit (loss) for the period before taxes9903€44k€106k▲
Income taxes67/77€12k€27k▲
Profit (loss) for the period9904€32k€79k▲
Profit (loss) for the period to be appropriated9905€32k€79k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€79k▲
Transfer to equity691/2€32k€79k▲
To other reserves6921€32k€79k▲
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
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €200kEq €257k ▲44.1%
3 profitable years in a row build equity to €257k.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €32k ▼66.8%
Net result drops to €32k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €178k ▲21.8%
2 profitable years in a row build equity to €178k.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated 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, Hoogstraten · 1 establishment unit since 2022
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.
Brusselstraat 312321 HoogstratenGround area
9,657 m²
Building footprint
5,142 m²
Volume, LiDAR
35,195 m³
Parcel 13020F0570/00E000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ayano Direct
since 20222.330.486.762
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13020F0570/00E000 | Flanders | 9,657 m² | 1 · 5,142 m² | 8.3 m · 2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 27 companies in sector 46834 we hold annual accounts for 14. 11 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-04-2022
Fiscal year end31-12
Activities, NACEBEL
46834Wholesale trade
47553Retail trade
47593Retail trade
46441Wholesale trade
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
74109Other professional, scientific and technical activities
74140Other specialised design activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.