AYAR
ActiveAYAR has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €2k. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 72% of 794 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
62
/ 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
Profitability54▼-13
Solvency79▲+11
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 1.44 in 2024; short-term debt: 45.6% and cash: 0.5% of total assets), and 45.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 10
Relative position
BE, all sectors
reference
Sector 10
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
54.4%
Return on assets
4.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
21 d late
2024
33 d early
2023
30 d early
2022
31 d late
2021
on the day
2020
6 d early
2019
16 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
€27k▲ 9.4%
2024 · €25k
2018: €11k
2019: €26k
2020: €30k
2021: €13k
2022: €14k
2023: €14k
2024: €25k
2018 → 2025
Total assets
€51k▼ 14.0%
2024 · €59k
2018: €14k
2019: €31k
2020: €32k
2021: €23k
2022: €18k
2023: €32k
2024: €59k
2018 → 2025
Net result
€2k▼ 78.4%
2024 · €11k
2018: €5k
2019: €15k
2020: €4k
2021: €-17k
2022: €2k
2023: €-291
2024: €11k
2018 → 2025
Working capital
€16k▲ 7.5%
2024 · €15k
2018: €5k
2019: €9k
2020: €18k
2021: €-5k
2022: €2k
2023: €4k
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€14k▲ 12.5%€14k▼ 2.0%€25k▲ 77.7%€27k▲ 9.4%
Operating result€-16k-€-52▲ 99.7%€2k€940▼ 56.6%€5k▲ 399%
Net result€-17k-€2k€-291€11k€2k▼ 78.4%
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 recovers in 2025; 2025 is 399% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €51k
Fixed assets
€11k▲ 12.3%
Current assets
€39k▼ 19.5%
Equity and liabilities €51k
Equity
€27k▲ 9.4%
Debt
€23k▼ 31.5%
The debt ratio falls from 57.3% to 45.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€5k▲
2024 · €5k
Cash flow
€3k▼
2024 · €15k
Solvency
54.4%▲
2024 · 42.7%
Current ratio
1.70▲
2024 · 1.44
Quick ratio
1.53▲
2024 · 1.33
Debt / equity
0.84▼
2024 · 1.34
ROE
8.6%▼
2024 · 43.7%
ROA
4.7%▼
2024 · 18.7%
Interest coverage
3.53▲
2024 · 3.04
Debt
€23k▼
2024 · €34k
Debt ≤ 1 year
€23k▼
2024 · €34k
Income taxes
€1k▼
2024 · €4k
Staff costs
€24k▼
2024 · €70k
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€59k€51k▼
Fixed assets21/28€10k€11k▲
Tangible fixed assets22/27€10k€11k▲
Plant, machinery and equipment23€10k€11k▲
Furniture and vehicles24-€313
Current assets29/58€49k€39k▼
Stocks and contracts in progress3€4k€4k=
Stocks30/36€4k€4k=
Amounts receivable within one year40/41€44k€35k▼
Trade receivables40€1k-
Other amounts receivable41€43k€35k▼
Cash at bank and in hand54/58€554€261▼
Equity and liabilities
Total equity and liabilities10/49€59k€51k▼
Equity10/15€25k€27k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Legal reserve130€1k€1k=
Profit (loss) carried forward14€18k€20k▲
Amounts payable17/49€34k€23k▼
Amounts payable within one year42/48€34k€23k▼
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€29k€17k▼
Suppliers440/4€29k€17k▼
Taxes, remuneration and social security45€5k€1k▼
Taxes450/3€5k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€70k€24k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€574▼
Other operating charges640/8€684€2k▲
Gross operating margin9900€75k€31k▼
Operating profit (loss)9901€940€5k▲
Financial income75/76B€16k€2k▼
Recurring financial income75€2k€2k▲
Non-recurring financial income76B€14k-
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€1k▼
Non-recurring financial charges66B-€1k
Profit (loss) for the period before taxes9903€15k€4k▼
Income taxes67/77€4k€1k▼
Profit (loss) for the period9904€11k€2k▼
Profit (loss) for the period to be appropriated9905€11k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€20k▲
Profit (loss) brought forward from the previous period14P€7k€18k▲
The notes to these accounts (6 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.71
Current ratio from 0.54 to 1.71; short-term debt falls from €10k to €3k.
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-17k ▼518%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 8.29
Current ratio from 2.68 to 8.29; short-term debt falls from €5k to €2k.
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €15k ▲216%
Operating result €18k, net result €15k, both a record.
18-07
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
6 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, Beringen · 1 establishment unit since 2025
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.
Hospitaalstraat 1193582 BeringenGround area
1,447 m²
Building footprint
219 m²
Volume, LiDAR
1,592 m³
2 parcels, Flanders · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AYAR
since 20252.377.351.026
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73013D0842/00A000 | Flanders | 1,031 m² | 1 · 108 m² | 12.5 m · 3 fl. |
| 71522C0003/00F078 | Flanders | 416 m² | 1 · 111 m² | 8.3 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMaasmechelen2.377.351.026
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Of 4,228 companies in sector 10712 we hold annual accounts for 1,870. 1,386 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-04-2017
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
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.