Equity
-€12,777
Debts exceed assets in financial year 2025.
AYB DEVELOPMENT
Lifetime
4 annual accounts with figures on one time axispeak €13,307 (2022)
-€1,887▼ €291
lowest -€10,761 (2023)
-€3,787▲ €1,727
peak €7,285 (2022)
-€12,777▼ €3,787
€13,990▼ 25.9%
Board1 name since 2020
Documentsfilings and deeds
09-10-202522 days before the deadline
2025micro format
Gross margin from -€1,596 to -€1,887Loss of €3,787Equity from -€8,990 to -€12,777Debts from €18,877 to €13,990Investments €1,321Cash from €8,875 to €125
Key points
from the 2025 annual accountsLosses
-€20,062 in three years
Every financial year from 2023 to 2025 closed with a loss. 2023 was the heaviest.
Investments
€1,321 1.8 × depreciation
Green is investment, beige is depreciation.
Filings
4 annual accounts 11 days past the deadline
2026 accounts not filed: deadline was 31-10-2026.
Starting capital
€2,500 100 shares
Position in the sector
-1053.3%
Lower solvency than 95% of companies in head offices and management consultancy. Sector median 55.5% · 39,368 companies.
Turnover not published (micro format)
Checked score
52
Fair
Financially stronger than 7% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,572 companies (NACE 70, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.1%▼ -0.1 percentage points vs 03-2025lowest value
05-2025: 0.1%● unchanged vs 04-2025lowest value
06-2025: 0.2%▲ +0.1 percentage points vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.3%▲ +0.1 percentage points vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.4%▲ +0.1 percentage points vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.4%● unchanged vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026
10-2026: 0.5%▲ +0.1 percentage points vs 09-2026
11-2026: 0.7%▲ +0.2 percentage points vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€12,777
Loss of €3,787, the second in a row (financial year 2025)
lowers risk
Size: total assets €1,213
Sector: Activities of head offices; management consultancy activities (NACE 70)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 3% of them on solvency, 6% on liquidity, 4% on profitability and 15% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-03-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,008 companies had the same profile as AYB DEVELOPMENT has now. Each dot stands for 16 companies, two years later.
83.0%
were still trading
8.4%
stopped another way
7.9%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of AYB DEVELOPMENT itself is lower: 0.7% within 12 months. It rests on far more data about AYB DEVELOPMENT than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,008 companies, not a prediction for AYB DEVELOPMENT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year -€12,777
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 09-10-2025, 22 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2026
not filed
2025
22 days early
2024
1 day early
2023
30 days late
2022
25 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 8 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (1)
Board and ownership
- d’YVE de BAVAY Arnoud Marie Ghislain Michel Félix 100 sharesdeed of 14-08-2020
Recent changes
Incorporation
Founding capital of €2,500, 100 shares · Appointment: d’YVE de BAVAY Arnoud Marie Ghislain Michel Félix (director) · Permanent representative: d’YVE de BAVAY Arnoud Marie Ghislain Michel Félix · published on 14-08-2020 · Gazette deed
First establishment
Mohimont,Villers Villers 1, Florenville
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AYB DEVELOPMENT Florenville | €1,213 | -€1,887 | -1053.3% | - |
| Wheelz Meise | €1,303 | -€5,206 | -167.1% | - |
| LOKI CONSULTING Woluwe-Saint-Pierre | €1,248 | -€3,162 | -1011.3% | - |
| MNV MANAGEMENT La Louvière | €1,195 | -€700 | -74.9% | - |
| New-G Boechout | €1,129 | -€914 | 49.9% | - |
| MIK DIGITAL Schaerbeek | €1,050 | -€2,593 | -3276.4% | - |
| ADAM SMITH CAPITAL Uccle | €1,313 | -€4,568 | -2176.5% | - |
These companies have the same main activity as AYB DEVELOPMENT: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €1,050 and €1,310, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 12-08-2020Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.308.184.9776823 Florenville, since 12-08-2020
- Financial year end
- 31 March
- Peppol
- Not found in the Peppol Directory
Insights on AYB DEVELOPMENT
AYB DEVELOPMENT files the micro format. That format states no turnover. The gross margin fell from €13,307 in 2022 to -€1,887 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about AYB DEVELOPMENT
- What is the company number of AYB DEVELOPMENT?
- The company number of AYB DEVELOPMENT is 0752.539.262. The VAT number is the same number with BE in front: BE 0752.539.262.
- Where is AYB DEVELOPMENT based?
- The registered office is at Mohimont,Villers Villers 1, 6823 Florenville.Company details
- What does AYB DEVELOPMENT do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of AYB DEVELOPMENT?
- AYB DEVELOPMENT is a private limited company (BV).
- When was AYB DEVELOPMENT founded?
- AYB DEVELOPMENT was founded on 12-08-2020.
- Is AYB DEVELOPMENT still active?
- Yes, AYB DEVELOPMENT is an active enterprise in the KBO register.
- What is the turnover of AYB DEVELOPMENT?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is AYB DEVELOPMENT profitable?
- In financial year 2025, AYB DEVELOPMENT made a loss of €3,787.
- Where can I find the annual accounts of AYB DEVELOPMENT?
- AYB DEVELOPMENT filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
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