Summary
Ayers Invest is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3.6m and a net result of €55,155. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 94% of 8091 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
2 d early
2023
30 d late
2022
24 d late
2021
25 d early
2020
5 d early
2019
87 d late
← 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 15 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 29 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€3.6m▼ 2.1%
2024 · €3.7m
Net result
€55,155▼ 25.5%
2024 · €73,990
Total assets
€3.8m▲ 0.8%
2024 · €3.8m
Solvency
95.4%▼ 2.9pp
2024 · 98.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Operating result€147,557▼ 39.8%€161,326▲ 9.3%€76,506▼ 52.6%€109,877▲ 43.6%€68,248▼ 37.9%
Net result€102,092above the sector's middle half▼ 28.4%€117,514above the sector's middle half▲ 15.1%€50,616within the sector's middle half▼ 56.9%€73,990within the sector's middle half▲ 46.2%€55,155within the sector's middle half▼ 25.5%
Equity€3.5mabove the sector's middle half▲ 3.0%€3.7mabove the sector's middle half▲ 3.3%€3.7mabove the sector's middle half▲ 1.4%€3.7mabove the sector's middle half▼ 0.7%€3.6mabove the sector's middle half▼ 2.1%
Total assets€3.6mabove the sector's middle half▲ 2.0%€3.7mabove the sector's middle half▲ 2.3%€3.8mabove the sector's middle half▲ 1.5%€3.8mabove the sector's middle half▼ 0.1%€3.8mabove the sector's middle half▲ 0.8%
Debt€66,455▼ 31.4%€32,603▼ 50.9%€37,303▲ 14.4%€59,344▲ 59.1%€170,996▲ 188%
Working capital€874,389above the sector's middle half▲ 28.1%€1.0mabove the sector's middle half▲ 18.2%€1.2mabove the sector's middle half▲ 19.7%€1.3mabove the sector's middle half▲ 2.8%€1.4mabove the sector's middle half▲ 7.6%
Solvency97.9%above the sector's middle half▲ 0.9pp98.9%above the sector's middle half▲ 1.0pp98.8%above the sector's middle half=98.3%above the sector's middle half▼ 0.6pp95.4%above the sector's middle half▼ 2.9pp
Current ratio14.59above the sector's middle half▲ 6.4833.87above the sector's middle half▲ 19.2837.80above the sector's middle half▲ 3.9323.33above the sector's middle half▼ 14.479.12above the sector's middle half▼ 14.21
Return on assets (ROA)2.8%within the sector's middle half▼ 1.2pp3.2%within the sector's middle half▲ 0.4pp1.3%within the sector's middle half▼ 1.8pp2.0%within the sector's middle half▲ 0.6pp1.5%within the sector's middle half▼ 0.5pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 falls in 2025; 2025 is 38% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.8m
Fixed assets
€2.3m ▼ 7.3%
Current assets
€1.5m ▲ 15.7%
Equity and liabilities €3.8m
Equity
€3.6m ▼ 2.1%
Provisions
€3,594 ▼ 25.0%
Debt
€170,996 ▲ 188%
Debt's share of the balance-sheet total rises from 1.6% to 4.5%. Equity is lower and debt is higher.
Key figures and ratios
ROE
1.5%▼
2024 · 2.0%
Debt ≤ 1 year
€168,596▲
2024 · €56,944
Debt > 1 year
€2,400=
2024 · €2,400
Income taxes
€40,896▼
2024 · €69,848
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €31,500 | €23,554 | - | €1,268 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €147,217 | €168,845 | €174,876 | €168,306 | €181,131 | ▲ 7.6% |
| Other operating charges640/8 | €11,476 | €21,199 | €14,429 | €18,454 | €15,497 | ▼ 16.0% |
| Non-recurring operating charges66A | - | - | - | €79 | €303 | ▲ 285% |
| Gross operating margin9900 | €306,250 | €351,369 | €265,811 | €296,716 | €265,179 | ▼ 10.6% |
| Operating profit (loss)9901 | €147,557 | €161,326 | €76,506 | €109,877 | €68,248 | ▼ 37.9% |
| Financial income75/76B | €10,246 | €12,966 | €17,631 | €41,445 | €37,701 | ▼ 9.0% |
| Recurring financial income75 | €7,926 | €12,966 | €17,631 | €41,445 | €37,701 | ▼ 9.0% |
| Non-recurring financial income76B | €2,320 | - | - | - | - | - |
| Financial charges65/66B | €3,194 | €2,103 | €2,631 | €8,683 | €11,096 | ▲ 27.8% |
| Recurring financial charges65 | €3,194 | €2,103 | €2,631 | €8,683 | €11,096 | ▲ 27.8% |
| Profit (loss) for the period before taxes9903 | €154,609 | €172,188 | €91,506 | €142,639 | €94,853 | ▼ 33.5% |
| Transfer from deferred taxes780 | €1,498 | €1,498 | €1,198 | €1,198 | €1,198 | = |
| Income taxes67/77 | €54,015 | €56,172 | €42,088 | €69,848 | €40,896 | ▼ 41.4% |
| Profit (loss) for the period9904 | €102,092 | €117,514 | €50,616 | €73,990 | €55,155 | ▼ 25.5% |
| Transfer from tax-exempt reserves789 | €4,492 | €4,492 | €4,792 | €4,792 | €4,792 | = |
| Profit (loss) for the period to be appropriated9905 | €106,584 | €122,006 | €55,408 | €78,782 | €59,947 | ▼ 23.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.6m | €3.7m | €3.8m | €3.8m | €3.8m | ▲ 0.8% |
| Fixed assets21/28 | €2.7m | €2.6m | €2.5m | €2.4m | €2.3m | ▼ 7.3% |
| Tangible fixed assets22/27 | €2.7m | €2.6m | €2.5m | €2.4m | €2.2m | ▼ 7.4% |
| Land and buildings22 | €2.3m | €2.2m | €2.1m | €1.9m | €1.8m | ▼ 5.6% |
| Plant, machinery and equipment23 | €346,503 | €320,933 | €313,772 | €296,826 | €266,986 | ▼ 10.1% |
| Furniture and vehicles24 | €43,526 | €110,098 | €82,586 | €150,077 | €111,140 | ▼ 25.9% |
| Financial fixed assets28 | €30,800 | €30,800 | €30,800 | €30,800 | €30,800 | = |
| Current assets29/58 | €938,717 | €1.1m | €1.3m | €1.3m | €1.5m | ▲ 15.7% |
| Amounts receivable within one year40/41 | €82,935 | €155,364 | €208,966 | €151,055 | €186,175 | ▲ 23.2% |
| Trade receivables40 | €18,150 | €54,250 | €90,607 | €57,267 | €57,174 | ▼ 0.2% |
| Other amounts receivable41 | €64,785 | €101,114 | €118,359 | €93,788 | €129,000 | ▲ 37.5% |
| Current investments50/53 | €231,456 | €804,909 | €983,522 | €1.0m | €1.2m | ▲ 17.4% |
| Cash at bank and in hand54/58 | €617,863 | €100,545 | €60,338 | €149,524 | €143,234 | ▼ 4.2% |
| Deferred charges and accrued income490/1 | €6,463 | €3,774 | €17,605 | €9,020 | €11,066 | ▲ 22.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.6m | €3.7m | €3.8m | €3.8m | €3.8m | ▲ 0.8% |
| Equity10/15 | €3.5m | €3.7m | €3.7m | €3.7m | €3.6m | ▼ 2.1% |
| Contributions10/11 | €2.1m | €2.1m | €2.1m | €2.1m | €2.1m | = |
| Reserves13 | €1.4m | €1.6m | €1.6m | €1.6m | €1.5m | ▼ 5.0% |
| Non-distributable reserves130/1 | €209,500 | €209,500 | - | - | - | - |
| Reserves not available under the articles1311 | €209,500 | €209,500 | - | - | - | - |
| Tax-exempt reserves132 | €31,447 | €26,955 | €23,960 | €19,168 | €14,376 | ▼ 25.0% |
| Distributable reserves133 | €1.2m | €1.3m | €1.6m | €1.6m | €1.5m | ▼ 4.7% |
| Profit (loss) carried forward14 | €4,385 | €4,385 | €4,385 | €4,385 | €4,385 | = |
| Provisions and deferred taxes16 | €10,482 | €8,985 | €5,990 | €4,792 | €3,594 | ▼ 25.0% |
| Deferred taxes168 | €10,482 | €8,985 | €5,990 | €4,792 | €3,594 | ▼ 25.0% |
| Amounts payable17/49 | €66,455 | €32,603 | €37,303 | €59,344 | €170,996 | ▲ 188% |
| Amounts payable after more than one year17 | - | - | €2,300 | €2,400 | €2,400 | = |
| Other amounts payable178/9 | - | - | €2,300 | €2,400 | €2,400 | = |
| Amounts payable within one year42/48 | €64,328 | €31,433 | €33,613 | €56,944 | €168,596 | ▲ 196% |
| Trade debts44 | €3,732 | €3,222 | €10,323 | €9,052 | €22,095 | ▲ 144% |
| Suppliers440/4 | €3,732 | €3,222 | €10,323 | €9,052 | €22,095 | ▲ 144% |
| Taxes, remuneration and social security45 | €52,159 | €26,341 | €23,290 | €28,843 | €12,480 | ▼ 56.7% |
| Taxes450/3 | €50,341 | €24,507 | €23,290 | €26,610 | €10,546 | ▼ 60.4% |
| Remuneration and social security454/9 | €1,817 | €1,834 | - | €2,233 | €1,934 | ▼ 13.4% |
| Other amounts payable47/48 | €8,437 | €1,870 | - | €19,049 | €134,020 | ▲ 604% |
| Accrued charges and deferred income492/3 | €2,128 | €1,170 | €1,390 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €102,092 | €117,514 | €50,616 | €73,990 | €55,155 | ▼ 25.5% |
| + Depreciation and write-downs630 | €147,217 | €168,845 | €174,876 | €168,306 | €181,131 | ▲ 7.6% |
| Operating cash flow (approximation) | €249,309 | €286,359 | €225,492 | €242,296 | €236,285 | ▼ 2.5% |
| Investment in fixed assets (approximation) | - | -€125,134 | -€23,155 | -€106,074 | -€4,068 | ▲ 96.2% |
| Change in cash | - | -€517,318 | -€40,207 | €89,186 | -€6,290 | ▼ 107% |
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €50,616 ▼56.9%
Net result drops to €50,616, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
06-03
State Gazette act
General meeting · Director resignation
Director discharge · Director appointment
2022
31-12
Financial
Liquidity doublescurrent ratio 33.87
Current ratio from 14.59 to 33.87; short-term debt falls from €64,328 to €31,433.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
28-07
State Gazette act
General meeting · Director reappointment
Permanent representative · Director resignation
2019
31-12
Financial
Highest result since 2018net €174,735 ▲76.5%
Operating result €265,293, net result €174,735, both a record.
Show earlier events
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2014
01-10
State Gazette act
General meeting · Director appointment
Permanent representative
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Deinze · 1 establishment unit since 2008
Ground area
2,787 m²
Building footprint
221 m²
Volume, LiDAR
1,131 m³
Parcel 44044A0200/00K000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ayers Invest
since 20082.175.294.878
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44044A0200/00K000 | Flanders | 2,787 m² | 1 · 221 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
48.39%
According to the 2025 annual accounts of Ayers Invest and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
The group is listed under Ownership & control below; here you explore it as a network.
This company
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
2 locations
Recognitions · licences · registrations
Legal Entity Identifier
98450051H8EY5F9A5Z41
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 9,153 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
Founded21-11-2008
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
E-invoicing
Reachable via Peppol
Peppol ID
0208:0807932103
Also
9925:BE0807932103
Registered
09-10-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.