AYS ENTREPRISE
ActiveSummary
The computed 12-month bankruptcy probability of AYS ENTREPRISE is 1.6% (moderate). The annual accounts of AYS ENTREPRISE for fiscal year 2025 show a net loss of 54% of the equity at the start of that year. The 2025 annual accounts show equity of €14k and a net result of €-16k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 10359 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability26▼-71
Solvency37▼-14
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.71 against 0.73 in 2024; short-term debt: 88.2% and cash: 57.6% of total assets), and 88.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
11.8%
Return on assets
-13.7%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 10359 sector peers (2025).
NBB · sector comparisonPosition among 10359 sector peers
Solvency
better than 22%
← weakest
strongest →
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
31 d early
2023
10 d early
2022
26 d early
2021
24 d late
2020
9 d late
2019
31 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€14k▼ 53.8%
2024 · €29k
2018: €9k
2019: €9k
2020: €-2k
2021: €3k
2022: €17k
2023: €4k
2024: €29k
2018 → 2025
Total assets
€115k▲ 3.3%
2024 · €111k
2018: €9k
2019: €9k
2020: €37k
2021: €93k
2022: €111k
2023: €92k
2024: €111k
2018 → 2025
Net result
€-16k
2024 · €25k
2018: €-3k
2020: €-11k
2021: €5k
2022: €14k
2023: €-13k
2024: €25k
2018 → 2025
Working capital
€-29k▼ 30.6%
2024 · €-22k
2020: €-13k
2021: €-59k
2022: €-49k
2023: €-57k
2024: €-22k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€17k▲ 436%€4k▼ 74.3%€29k▲ 563%€14k▼ 53.8%
Operating result€9k-€17k▲ 83.1%€-9k€32k€479▼ 98.5%
Net result€5k-€14k▲ 155%€-13k€25k€-16k
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 99% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €115k
Fixed assets
€42k ▼ 17.5%
Current assets
€72k ▲ 21.1%
Equity and liabilities €115k
Equity
€14k ▼ 53.8%
Debt
€101k ▲ 23.7%
Debt's share of the balance-sheet total rises from 73.7% to 88.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€9k▼
2024 · €42k
Cash flow
€-7k▼
2024 · €35k
Current ratio
0.71▼
2024 · 0.73
Quick ratio
0.70▼
2024 · 0.71
Debt to equity
7.48▲
2024 · 2.80
ROE
-116.4%▼
2024 · 84.9%
ROA
-13.7%▼
2024 · 22.4%
Interest coverage
2.87▼
2024 · 12.19
Debt ≤ 1 year
€101k▲
2024 · €82k
Income taxes
€13k▲
2024 · €4k
Staff costs
€74k▼
2024 · €88k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€111k€115k▲
Fixed assets21/28€51k€42k▼
Tangible fixed assets22/27€51k€42k▼
Plant, machinery and equipment23€36k€31k▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€13k€10k▼
Current assets29/58€60k€72k▲
Stocks and contracts in progress3€2k€2k▼
Stocks30/36€2k€2k▼
Amounts receivable within one year40/41€13k€372▼
Other amounts receivable41€13k€372▼
Cash at bank and in hand54/58€44k€66k▲
Deferred charges and accrued income490/1€617€4k▲
Equity and liabilities
Total equity and liabilities10/49€111k€115k▲
Equity10/15€29k€14k▼
Contributions10/11€17k€17k=
Outside capital11€17k€17k=
Other1109/19€17k€17k=
Reserves13€259€259▲
Non-distributable reserves130/1€259€259▲
Reserves not available under the articles1311€259€259▲
Profit (loss) carried forward14€12k€-4k▼
Amounts payable17/49€82k€101k▲
Amounts payable within one year42/48€82k€101k▲
Current portion of amounts payable after more than one year42€2k€2k=
Trade debts44€22k€33k▲
Suppliers440/4€22k€33k▲
Taxes, remuneration and social security45€35k€27k▼
Taxes450/3€8k€8k▼
Remuneration and social security454/9€27k€20k▼
Other amounts payable47/48€24k€39k▲
Income statement
Code20242025
Non-recurring operating income76A€11k-
Remuneration, social security and pensions62€88k€74k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼
Other operating charges640/8€5k€5k▼
Gross operating margin9900€136k€88k▼
Operating profit (loss)9901€32k€479▼
Financial income75/76B€2€389▲
Recurring financial income75€2€2▼
Non-recurring financial income76B-€387
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€29k€-2k▼
Income taxes67/77€4k€13k▲
Profit (loss) for the period9904€25k€-16k▼
Profit (loss) for the period to be appropriated9905€25k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€-4k▼
Profit (loss) brought forward from the previous period14P€-13k€12k▲
The notes to these accounts (5 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-16k ▼163%
Net result drops to €-16k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
21-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Schaarbeek · 1 establishment unit since 2013
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.
Gallaitstraat 71030 SchaarbeekGround area
203 m²
Building footprint
98 m²
Volume, LiDAR
830 m³
Parcel 21910E0182/00C009, Brussels · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
El Pescador
since 20132.215.716.164
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21910E0182/00C009 | Brussels | 203 m² | 1 · 98 m² | 15.0 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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 siteSchaarbeek2.215.716.164
Similar companies · same sector, comparable size
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DINA
BE 0876.537.629
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AQUA-LADEUZE
BE 0860.799.378
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Of 465 companies in sector 47230 we hold annual accounts for 269. 172 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2013
Fiscal year end31-12
Activities, NACEBEL 2025
47230Retail trade
56112Limited-service restaurants, excluding mobile food services
56111Full-service restaurants
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:elpescadore2023@gmail.com