Turnover
≈ €260,000 estimated
The micro format states no turnover.
AYG CONSTRUCT
Overview
Lifetime
1 annual account with figurespeak €30,004 (2024)
€30,004
peak €15,547 (2024)
€15,547
peak €16,547 (2024)
€16,547
€65,931
Board2 names since 2024
1 directorIACOBAN Gavril
Documentsfilings and deeds
17-03-2026229 days late
2024micro format
Incorporation 02-041 establishment registeredFirst year with figures
Key points
from the 2024 annual accountsDebts
€65,931 80% of the balance sheet
Suppliers 57%Taxes and wages 18%Other 25%
Board
1 joined · 1 left
Board changed. Latest change 26-03-2026 · 1 in office.
2024 accounts filed 229 days after the deadline
Checked score
33
Weak
Financially stronger than 37% of micro companies in specialised construction (NACE 43)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
8.4% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 8 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
04-2025: 2.0%lowest value
05-2025: 2.0%● unchanged vs 04-2025lowest value
06-2025: 2.0%● unchanged vs 05-2025
07-2025: 2.4%▲ +0.4 percentage points vs 06-2025
08-2025: 2.5%▲ +0.1 percentage points vs 07-2025
09-2025: 2.8%▲ +0.3 percentage points vs 08-2025
10-2025: 2.8%● unchanged vs 09-2025
11-2025: 3.1%▲ +0.3 percentage points vs 10-2025
12-2025: 3.2%▲ +0.1 percentage points vs 11-2025
01-2026: 3.0%▼ -0.2 percentage points vs 12-2025
02-2026: 3.3%▲ +0.3 percentage points vs 01-2026
03-2026: 3.4%▲ +0.1 percentage points vs 02-2026
04-2026: 5.5%▲ +2.1 percentage points vs 03-2026
05-2026: 5.4%▼ -0.1 percentage points vs 04-2026
06-2026: 5.3%▼ -0.1 percentage points vs 05-2026
07-2026: 5.2%▼ -0.1 percentage points vs 06-2026
08-2026: 6.0%▲ +0.8 percentage points vs 07-2026
09-2026: 6.9%▲ +0.9 percentage points vs 08-2026
10-2026: 8.4%▲ +1.5 percentage points vs 09-2026highest value
11-2026: 8.4%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
1 financial year not filed after the legal deadline; last filed accounts filed 229 days late; 1 of the last 3 accounts late
Figures for financial year 2024 (filed on 25-03-2026)
Size: total assets €82,478
Founded in 2024
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 43, micro). It does better than 22% of them on solvency, 20% on liquidity and 68% on profitability.
The bankruptcy probability was computed on 09-11-2026 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 31-12-2024.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% 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, 7,976 companies had the same profile as AYG CONSTRUCT has now. Each dot stands for 20 companies, two years later.
94.3%
were still trading
1.8%
stopped another way
3.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of AYG CONSTRUCT itself is higher: 8.4% within 12 months. It rests on far more data about AYG CONSTRUCT than the profile alone.
Test of the method
The method was tested on the 497,447 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 7,976 companies, not a prediction for AYG CONSTRUCT. 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
Credit of up to €500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is tight, with a current ratio of 1.25, below the usual 1.5. Short-term debt is 79.9% and cash 20.4% of total assets. 79.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 35956 sector peers (2024).
NBB · sector comparisonPosition among 35956 sector peers
Solvency
better than 22%
← weakest
strongest →
raises risk · 2024 accounts filed 229 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-03-2026, 229 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 1 filingDeviation from the deadline
2024
229 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its 2024 accounts 229 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (1)
Recent changes
Resignation: IACOBAN Gavril (director)
Appointment: BOCA RobertoElisei (director) · Director discharge: IACOBAN Gavril · General meeting of 18-03-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1007702316
Incorporation
Founding capital of €1,000, 100 shares · Founder: IACOBAN Gavril (comparant) · Appointment: IACOBAN Gavril (director) · published on 02-04-2024 · Gazette deed
First establishment
Potaardenbergstraat 306, Anderlecht
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AYG CONSTRUCT Anderlecht | €82,478 | €30,004 | 20.1% | - |
| KJB CONSTRUCT Auderghem | €82,555 | €36,521 | 59.0% | - |
| Metaal en Tuinen Dewaele Oostrozebeke | €82,498 | €27,554 | 26.6% | - |
| La Baleine Bleue Group Zaventem | €74,673 | €32,820 | 57.0% | - |
| ReDie Hasselt | €79,265 | €32,597 | 69.5% | - |
| MAZ Bonheiden | €71,551 | €32,304 | 32.7% | - |
| METCONNECT Antwerp | €83,466 | €27,448 | 81.1% | - |
These companies have the same main activity as AYG CONSTRUCT: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €71,600 and €83,500, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 28-03-2024Normal situation
- Activity
- Other specialised construction activitiesNACE 43990and 6 others
- Establishment unit
- 2.357.652.6031070 Anderlecht, since 28-03-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 29-01-2026
Insights on AYG CONSTRUCT
The computed 12-month bankruptcy probability of AYG CONSTRUCT is 8.4% (elevated). The 2024 annual accounts show equity of €16,547 and a net result of €15,547.
Its solvency ranks better than 22% of 35,956 sector peers (NACE 43, financial year 2024). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2024
micro format, filed on 17-03-2026, 229 days late€30,004
€20,734
€15,547
€16,547
20.1%
1.25
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €260,000. Estimated: probably between €170,000 and €460,000.
Balance sheet
balance sheet total €82,478 on 31-12-2024What the company ownsHow it is paid for
Position in the sector
20.1%
Higher than 22% of 35,956 companies in 2024.
1.25
Higher than 31% of 35,354 companies in 2024.
18.8%
Higher than 77% of 35,538 companies in 2024.
AYG CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: middle half · Equity: bottom quarter · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2024 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
82,478 | |
29/58 |
82,478 | |
40/41 |
65,670 | |
40 |
63,657 | |
41 |
2,013 | |
54/58 |
16,808 | |
| Balance sheet: equity and liabilities | ||
10/49 |
82,478 | |
10/15 |
16,547 | |
10/11 |
1,000 | |
11 |
1,000 | |
1109/19 |
1,000 | |
14 |
15,547 | |
17/49 |
65,931 | |
42/48 |
65,931 | |
44 |
37,622 | |
440/4 |
37,622 | |
45 |
12,043 | |
450/3 |
6,823 | |
454/9 |
5,220 | |
47/48 |
16,266 | |
| Income statement | ||
9900 |
30,004 | |
62 |
9,270 | |
9901 |
20,734 | |
65/66B |
5 | |
65 |
5 | |
9903 |
20,729 | |
67/77 |
5,182 | |
9904 |
15,547 | |
9905 |
15,547 | |
| Appropriation of the result | ||
9906 |
15,547 | |
| Document | ||
Source: Annual accounts 2024 (PDF), filed on 17-03-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2024 annual accounts filed 229 days after the deadline. Filed on 17 March 2026, deadline 31 July 2025 (7 months after the close on 31 December 2024, Companies Code art. 3:10). Source: NBB, 2026-00061217.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2024 | micro format | 17-03-2026 | 2026-00061217 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2024 |
|---|---|---|
| 16,547 | ||
| 20.1% | ||
| 1.25 | ||
| 3.98 | ||
| 94.0% | ||
| 18.8% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on AYG CONSTRUCT
Debt's share of the balance-sheet total is 79.9%.
Board & ownership
Board
1 director, no change since March 2026Mandates through the years
2 names, the dashed line is todayBOCARobertoElisei
Director
Director
IACOBAN Gavril
Director (not named in the articles)
Director (not named in the articles)
BoardEarlier
Mandates as a list
- BOCARobertoElisei
- Director, appointed by deed of 26-03-2026, still in office
- IACOBAN Gavril
- Director (not named in the articles), appointed by deed of 02-04-2024, until 26-03-2026
Control
Capital
- Contribution
- €1,000
- Shares
- 100
- Contribution per share
- €10
- Equity per share
- €165 in 2024
- Source
- deed of 02-04-2024
Articles of association
deed of 02-04-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Portée aux frais généraux indépendamment frais représentation, voyages et déplacements, assemblée générale décide si mandat exercé…”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Tenus solliciter agrément mêmes formalités si non devenus de plein droit actionnaires, si plus qu'un actionnaire, libre de céder tout ou…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 12:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 02-04-2024 ↗
- IACOBAN Gavril 100 shares (100%) · €1,000 in cash
Network & group
No group
AYG CONSTRUCT has no parent and no holdings in its annual accounts. BOCARobertoElisei is the only director. AYG CONSTRUCT shares no director with another company.
At the same address
Potaardenbergstraat 306, 1070 Anderlecht · 1 other company| Cherar, Vasile (sole trader)
establishment since 03-11-2025 |
founded in 2025 1030.060.519 |
Timeline
Timeline
5 events since 2024Board
Filings
Establishments
202420252026
2026
Resignation: IACOBAN Gavril (director)Appointment: BOCA RobertoElisei (director) · Director discharge: IACOBAN Gavril · General meeting of 18-03-20264 points ▸
- General meeting, 18-03-2026
- Director resignation, IACOBAN Gavril
- Director discharge, IACOBAN Gavril
- Director appointment, BOCA RobertoElisei
Annual accounts 2024 filed PDFmicro format · 229 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:1007702316
2024
IncorporationFounding capital of €1,000, 100 shares · Founder: IACOBAN Gavril (comparant) · Appointment: IACOBAN Gavril (director) · published on 02-04-20246 points ▸
- Founder, IACOBAN Gavril (comparant)
- Founding capital, €1,000, 100 shares
- 100 shares
- Registered office clause, rue du Potaerdenberg 306 RDC, 1070 Anderlecht
- Board rule, 1
- Director appointment, IACOBAN Gavril (director (not named in the articles))
- The deed holds 12 more points.
First establishment Potaardenbergstraat 306, Anderlecht
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 1007.702.316
- VAT number
- BE 1007.702.316
- Peppol ID
- 0208:1007702316
- Other Peppol ID
- 9925:BE1007702316
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 28-03-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 12:00deed of 02-04-2024 (in French)
- Peppol
- Reachable since 29-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- AYG CONSTRUCT in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 02-04-2024 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région de Bruxelles-Capitale”deed of 02-04-2024 (in French)
Activities
NACEBEL 2025VAT activities
43990
Other specialised construction activities main activity
43120
Site preparation
43230
Insulation installation
Social security (RSZ) activities
41001
General construction of residential buildings main activity
Codes under NACEBEL 2008
VAT activities
43999
Specialised construction activities main activity
43120
Site preparation
43291
Specialised construction activities
43299
Specialised construction activities
43994
Specialised construction activities
81220
Other building cleaning and industrial cleaning
Social security (RSZ) activities
41201
General construction of buildings main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L’exploitation d’entreprise générale en bâtiment tant la rénovation que la construction et la transformation de bâtiments; L’exécution de…”deed of 02-04-2024 (in French)
20 activities
- L’exploitation d’entreprise générale en bâtiment tant la rénovation que la construction et la transformation de bâtiments
- L’exécution de tous travaux d’installation et de réparation de plomberie,d’électricité,de chauffage central,d’installation sanitaire,le placement de cuisine,le placement de débouchage d’égouts,de travaux hydrauliques,de travaux de terrassements,de drainage,pose de câbles et de canalisations diverses,les travaux d’égouts de rejointoiement,d’isolation thermique et acoustique,de revêtements de murs et de sols,de plafonnage,de charpentage,menuiserie et menuiserie métallique,déshabillage,démolition de bâtiments,isolation acoustique thermique et frigorifique
- Le nettoyage et l’entretien d’immeubles,le nettoyage de vitres et de bureaux,de petits travaux de bureau,de façades,services intérimaires,sous-traitance
- L’installation de cheminées ornementales ou autres ornementations en marbre ou en pierre
- Le placement de serrures et de quincaillerie du bâtiment,le placement de portes de plainte en matière plastique,la pose de parquets et de tous revêtements en bois
- Les travaux de ramonage de cheminées
- Placement d’appareils électriques de signalisation et d’alarme
- Installation de systèmes de chauffage,de climatisation et de ventilation
- Constructions de citernes,de réservoirs
- Installations de cuisines équipées
- Fabrication,installation,et aménagement de stands et de foires d’expositions
- Installations,montage et démontage d’échafaudage et de plates-formes
- Entretien et nettoyage des outils de travail en tout genre
- L’import et l’export,l’achat et la vente,en gros et en détail,la représentation de tous articles liés au secteur de la construction
- La prestation de services d’ordre économique,assistance,conseil en matière technique,commerciale,financière et industrielle
- Le commissionnement de quelque nature lors d’apports d’affaires à des tiers
- L’achat,la vente,l’échange,la mise en valeur,le lotissement,l’exploitation,la location et l’affermage de tous immeubles bâtis et non bâtis
- La réalisation de toutes opérations relatives à la promotion immobilière,à l’activité d’administrateur de biens,de marchands de biens,activité d’agence immobilière,intermédiaire dans toutes opérations immobilières telles que la vente la location,activité de syndic (gestion immeubles),la prise et la remise de fonds de commerce
- Donner à bail ses installations et exploitations ou le donner à gérer à des tiers en tout ou en partie
- Réaliser toutes opérations liées à l’acquisition et la cession la mise en gage de droits immobiliers tels que l’usufruit,la nue-propriété,le droit emphytéotique
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Potaardenbergstraat 306 registered office 1070 Anderlecht 41001 General construction of residential buildings | 28-03-2024 | 2.357.652.603 |
Buildings and parcels at the address
- Ground area
- 285 m²
- Buildings
- 97 m²
- Volume, LiDAR
- 841 m³
- Tallest building
- 10.5 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21302A0163/00V004 | 285 m² | 1 · 97 m² | 10.4 m · 3 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1007.702.316