Ayrel
ActiveSummary
Ayrel has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50,422 and a net result of -€2,147. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 88% of 11502 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability28▲+1
Solvency100=
Growth22=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 8.92 against 9.9 in 2024; short-term debt: 11.1% and cash: 56.1% of total assets), and 11.1% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
88.9%
Return on assets
-3.8%
Age of the figures
9 mo
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 05-05-2026, 87 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
87 d early
2024
39 d early
2023
40 d early
2022
69 d early
2021
41 d early
2020
38 d early
2019
32 d early
← 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 49 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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 20 June (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
In the rankings
#2 oldest company in Sprimont, Wholesale and retail trade sector
Turnover
€21,680▼ 47.1%
2024 · €41,013
EBIT margin
-8.6%▼ 3.4pp
2024 · -5.2%
Net result
-€2,147▲ 9.9%
2024 · -€2,383
Working capital
€49,667▼ 4.1%
2024 · €51,813
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, 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
Turnover€73,183▼ 1.8%€67,170▼ 8.2%€51,959▼ 22.6%€41,013▼ 21.1%€21,680▼ 47.1%
Operating result-€2,961▲ 42.2%€2,306-€1,273-€2,136▼ 67.7%-€1,861▲ 12.9%
Net result€271below the sector's middle half€1,845within the sector's middle half▲ 582%-€1,525within the sector's middle half-€2,383within the sector's middle half▼ 56.3%-€2,147within the sector's middle half▲ 9.9%
EBIT margin-4.0%▲ 2.8pp3.4%▲ 7.5pp-2.5%▼ 5.9pp-5.2%▼ 2.8pp-8.6%▼ 3.4pp
Equity€54,631below the sector's middle half▲ 0.5%€56,476within the sector's middle half▲ 3.4%€54,951within the sector's middle half▼ 2.7%€52,568within the sector's middle half▼ 4.3%€50,422within the sector's middle half▼ 4.1%
Total assets€67,270below the sector's middle half▲ 7.8%€70,943within the sector's middle half▲ 5.5%€69,697within the sector's middle half▼ 1.8%€58,390below the sector's middle half▼ 16.2%€56,696below the sector's middle half▼ 2.9%
Debt€12,640▲ 56.8%€14,467▲ 14.5%€14,746▲ 1.9%€5,822▼ 60.5%€6,275▲ 7.8%
Working capital€52,455below the sector's middle half▲ 9.0%€54,871within the sector's middle half▲ 4.6%€53,771within the sector's middle half▼ 2.0%€51,813within the sector's middle half▼ 3.6%€49,667within the sector's middle half▼ 4.1%
Solvency81.2%above the sector's middle half▼ 5.9pp79.6%above the sector's middle half▼ 1.6pp78.8%above the sector's middle half▼ 0.8pp90.0%above the sector's middle half▲ 11.2pp88.9%above the sector's middle half▼ 1.1pp
Current ratio5.15above the sector's middle half▼ 1.824.79above the sector's middle half▼ 0.364.65above the sector's middle half▼ 0.159.90above the sector's middle half▲ 5.258.92above the sector's middle half▼ 0.99
Return on assets (ROA)0.4%below the sector's middle half▲ 10.1pp2.6%within the sector's middle half▲ 2.2pp-2.2%within the sector's middle half▼ 4.8pp-4.1%below the sector's middle half▼ 1.9pp-3.8%below the sector's middle half▲ 0.3pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1,861 in 2025 against €2,136 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €56,696
Fixed assets
€755 =
Current assets
€55,942 ▼ 2.9%
Equity and liabilities €56,696
Equity
€50,422 ▼ 4.1%
Debt
€6,275 ▲ 7.8%
Debt's share of the balance-sheet total rises from 10.0% to 11.1%. Equity is lower and debt is higher.
Key figures and ratios
Quick ratio
7.00▼
2024 · 7.72
Debt to equity
0.12▲
2024 · 0.11
ROE
-4.3%▲
2024 · -4.5%
Debt ≤ 1 year
€6,275▲
2024 · €5,822
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.5%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 12,321 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €73,183 | €67,170 | €51,959 | €41,013 | €21,680 | ▼ 47.1% |
| Goods, raw materials, services and sundry goods60/61 | - | €63,910 | €52,578 | €43,149 | €23,541 | ▼ 45.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,043 | €571 | €425 | - | - | - |
| Other operating charges640/8 | €514 | €383 | €229 | - | - | - |
| Gross operating margin9900 | €1,596 | €3,259 | -€619 | -€2,136 | -€1,861 | ▲ 12.9% |
| Operating profit (loss)9901 | -€2,961 | €2,306 | -€1,273 | -€2,136 | -€1,861 | ▲ 12.9% |
| Financial income75/76B | €27 | - | - | - | €0 | - |
| Recurring financial income75 | €27 | - | - | - | €0 | - |
| Non-recurring financial income76B | €27 | - | - | - | - | - |
| Financial charges65/66B | €295 | €461 | €252 | €247 | €286 | ▲ 15.5% |
| Recurring financial charges65 | €295 | €461 | €252 | €247 | €286 | ▲ 15.5% |
| Non-recurring financial charges66B | €295 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | -€3,229 | €1,845 | -€1,525 | -€2,383 | -€2,147 | ▲ 9.9% |
| Transfer from deferred taxes780 | €3,500 | - | - | - | - | - |
| Profit (loss) for the period9904 | €271 | €1,845 | -€1,525 | -€2,383 | -€2,147 | ▲ 9.9% |
| Profit (loss) for the period to be appropriated9905 | €271 | €1,845 | -€1,525 | -€2,383 | -€2,147 | ▲ 9.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €67,270 | €70,943 | €69,697 | €58,390 | €56,696 | ▼ 2.9% |
| Formation expenses20 | - | €0 | - | €0 | - | - |
| Fixed assets21/28 | €2,176 | €1,605 | €1,180 | €755 | €755 | = |
| Intangible fixed assets21 | - | €0 | - | - | - | - |
| Tangible fixed assets22/27 | €2,126 | €1,555 | €1,130 | €705 | €705 | = |
| Other tangible fixed assets26 | €2,126 | €1,555 | €1,130 | €705 | €705 | = |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €65,095 | €69,338 | €68,517 | €57,635 | €55,942 | ▼ 2.9% |
| Stocks and contracts in progress3 | €11,996 | €10,939 | €13,597 | €12,675 | €11,992 | ▼ 5.4% |
| Stocks30/36 | €11,996 | €10,939 | €13,597 | €12,675 | €11,992 | ▼ 5.4% |
| Amounts receivable within one year40/41 | €13,169 | €13,543 | €11,843 | €11,498 | €12,140 | ▲ 5.6% |
| Trade receivables40 | €10,307 | €11,766 | €10,320 | €8,751 | €9,598 | ▲ 9.7% |
| Other amounts receivable41 | €2,862 | €1,777 | €1,522 | €2,747 | €2,542 | ▼ 7.5% |
| Cash at bank and in hand54/58 | €39,929 | €44,857 | €43,077 | €33,462 | €31,809 | ▼ 4.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €67,270 | €70,943 | €69,697 | €58,390 | €56,696 | ▼ 2.9% |
| Equity10/15 | €54,631 | €56,476 | €54,951 | €52,568 | €50,422 | ▼ 4.1% |
| Contributions10/11 | €61,973 | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Capital10 | €61,973 | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Issued capital100 | €61,973 | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Reserves13 | €1,139 | €1,139 | €1,139 | €1,139 | €1,139 | = |
| Non-distributable reserves130/1 | €1,139 | €1,139 | €1,139 | €1,139 | €1,139 | = |
| Legal reserve130 | €1,139 | €1,139 | €1,139 | €1,139 | €1,139 | = |
| Profit (loss) carried forward14 | -€8,481 | -€6,636 | -€8,161 | -€10,544 | -€12,690 | ▼ 20.4% |
| Amounts payable17/49 | €12,640 | €14,467 | €14,746 | €5,822 | €6,275 | ▲ 7.8% |
| Amounts payable within one year42/48 | €12,640 | €14,467 | €14,746 | €5,822 | €6,275 | ▲ 7.8% |
| Trade debts44 | - | €3,850 | €707 | €319 | €566 | ▲ 77.4% |
| Suppliers440/4 | - | €3,850 | €707 | €319 | €566 | ▲ 77.4% |
| Taxes, remuneration and social security45 | €1,734 | €1,652 | €1,099 | €2,644 | €2,053 | ▼ 22.3% |
| Taxes450/3 | €107 | €25 | €0 | €1,018 | €427 | ▼ 58.1% |
| Remuneration and social security454/9 | €1,627 | €1,627 | €1,099 | €1,627 | €1,627 | = |
| Other amounts payable47/48 | €10,905 | €8,965 | €12,940 | €2,858 | €3,655 | ▲ 27.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €271 | €1,845 | -€1,525 | -€2,383 | -€2,147 | ▲ 9.9% |
| + Depreciation and write-downs630 | €4,043 | €571 | €425 | - | - | - |
| Operating cash flow (approximation) | €4,313 | €2,416 | -€1,100 | -€2,383 | -€2,147 | ▲ 9.9% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €425 | €0 | ▼ 100% |
| Change in cash | - | €4,927 | -€1,779 | -€9,615 | -€1,653 | ▲ 82.8% |
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
05-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 9.90
Current ratio from 4.65 to 9.90; short-term debt falls from €14,746 to €5,822.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €271
Net result €271 after one loss-making year.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet -€6,052
Net result drops to -€6,052, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Highest result since 2018net €1,900 ▲111%
Operating result €6,255, net result €1,900, both a record.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 81 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Sprimont · 1 establishment unit since 1976
Ground area
497 m²
Building footprint
139 m²
Volume, LiDAR
1,166 m³
Parcel 62100O0444/00K000, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Rue de l' Entente 34, 4140 Sprimont
since 19762.012.839.971
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62100O0444/00K000 | Wallonia | 497 m² | 1 · 139 m² | 10.1 m · 3 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.
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Of 1,173 companies in sector 46499 we hold annual accounts for 743. 410 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded06-11-1976
Fiscal year end31-12
Activities, NACEBEL 2025
46499Wholesale of other household goods
20412Manufacture of chemicals and chemical products
20420Manufacture of chemicals and chemical products
47540Retail sale of electrical household appliances
E-invoicing
Reachable via Peppol
Peppol ID
0208:0416507805
Registered
20-11-2020
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.