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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of AYSEM is 2.6% (moderate). The 2024 annual accounts show equity of €3k and a net result of €3k. Its solvency ranks better than 31% of 626 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Trust signals
3 signalsYoung company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
0 events
No administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.6%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€3k
Working capital€-15k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 31-12-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 10, Food manufacturing · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 5.5% | 21.1% | |
| Net result | €3k | €7k | |
| Equity | €3k | €26k | |
| Gross operating margin | €6k | €60k | |
| Total assets | €52k | €133k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | €6k |
| Net profit | €3k |
| Cash flow | €4k |
| Staff costs | - |
| Income taxes | €707 |
| Dividends | - |
| Total assets | €52k |
| Equity | €3k |
| Debt | €49k |
| of which ≤ 1y | €49k |
| of which > 1y | - |
| Working capital | €-15k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.69 |
| Quick ratio | 0.68 |
| Working capital ratio | -29.4% |
| Solvency | 5.5% |
| Debt / equity | 17.32 |
| Long-term debt ratio | - |
| Interest coverage | 5.17 |
| Gross margin | - |
| Net margin | - |
| ROA | 5.5% |
| ROE | 100.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €52k |
| Fixed assets | 21/28 | €18k |
| Tangible fixed assets | 22/27 | €18k |
| Current assets | 29/58 | €34k |
| Stocks & contracts in progress | 3 | €328 |
| Amounts receivable within one year | 40/41 | €20k |
| Cash & bank | 54/58 | €14k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €52k |
| Equity | 10/15 | €3k |
| Accumulated profits (losses) | 14 | €3k |
| Amounts payable | 17/49 | €49k |
| Amounts payable within one year | 42/48 | €49k |
| Trade debts payable within one year | 44 | €48k |
| Income statement | ||
| Gross operating margin | 9900 | €6k |
| Operating result | 9901 | €5k |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €4k |
| Income taxes | 67/77 | €707 |
| Net result for the period | 9904 | €3k |
| Result to be appropriated | 9905 | €3k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed48
/ 100
Fair
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See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Directors
Directors & mandates
2 directorsCurrent directors & mandates
-
Current08-05-2026 → present
2 events
- 08-05-2026 Appointed· Director
- 24-07-2025 Resigned· Director
-
Current24-07-2025 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
indexingNo insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk(10712) |
| Legal form | Private limited company(610) |
| Incorporation | 14-02-2024 |
| Status | Active |
| Postal code | 2100 |
Structure & network
Locations & real estate
Registered office
on the map · from the address register
seat.Municipality
exact location from the address register
Establishment units
1 locationAYSEM
since 20242.357.243.916
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area220 m²
Buildings1
Building footprint157 m²
Volume (LiDAR)936 m³
Tallest building10.7 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11346B0963/00C005 | Flanders | 220 m² | 1 · 157 m² | 10.7 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Analysis
Snowflake analysis
financial profile on 5 axes55
/ 100
Mixed profile: strong on profitability, weaker on solvency.
Health
48
Profitability
100
Solvency
8
Growth
50
Stability
67
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Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk10712Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk10712Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in brood en banketbakkerswerk (koude bakkers)47241Detailhandel in chocolade en suikerwerk47242Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112
Primary activity highlighted.
Names & trade names
| Legal nameNL | AYSEM |
Registered office
Cruyslei 76
2100 Antwerpen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.