Ayudo
ActiveAyudo has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €122k and a net result of €20k. Equity is growing by ~39.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 998 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability85▼-15
Solvency100=
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 4.31 against 6.13 in 2023; short-term debt: 23.2% and cash: 73.8% of total assets), and 23.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-04-2025, 97 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
97 d early
2023
34 d early
2022
31 d early
2021
13 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€122k▲ 7.4%
2023 · €114k
2021: €27k
2022: €68k
2023: €114k
2021 → 2024
Total assets
€159k▲ 16.8%
2023 · €136k
2021: €55k
2022: €102k
2023: €136k
2021 → 2024
Net result
€20k▼ 55.6%
2023 · €45k
2021: €22k
2022: €41k
2023: €45k
2021 → 2024
Working capital
€122k▲ 7.6%
2023 · €113k
2021: €24k
2022: €67k
2023: €113k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€27k-€68k▲ 151%€114k▲ 66.5%€122k▲ 7.4%
Operating result€30k-€51k▲ 68.9%€58k▲ 13.9%€26k▼ 55.1%
Net result€22k-€41k▲ 84.4%€45k▲ 10.6%€20k▼ 55.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 55% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €159k
Equity
€122k▲ 7.4%
Debt
€37k▲ 64.8%
The debt ratio rises from 16.5% to 23.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€26k▼
2023 · €59k
Cash flow
€21k▼
2023 · €47k
Solvency
76.8%▼
2023 · 83.5%
Current ratio
4.31▼
2023 · 6.13
Quick ratio
4.31▼
2023 · 6.13
Debt / equity
0.30▲
2023 · 0.20
ROE
16.5%▼
2023 · 39.9%
ROA
12.7%▼
2023 · 33.4%
Interest coverage
109.20▲
2023 · 66.65
Debt
€37k▲
2023 · €22k
Debt ≤ 1 year
€37k▲
2023 · €22k
Income taxes
€5k▼
2023 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€136k€159k▲
Fixed assets21/28€541€0▼
Tangible fixed assets22/27€541€0▼
Furniture and vehicles24€541€0▼
Current assets29/58€136k€159k▲
Amounts receivable within one year40/41€26k€42k▲
Trade receivables40€24k€37k▲
Other amounts receivable41€2k€5k▲
Cash at bank and in hand54/58€110k€117k▲
Deferred charges and accrued income490/1€209€0▼
Equity and liabilities
Total equity and liabilities10/49€136k€159k▲
Equity10/15€114k€122k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€109k€117k▲
Amounts payable17/49€22k€37k▲
Amounts payable within one year42/48€22k€37k▲
Financial debts43-€777
Credit institutions430/8-€777
Trade debts44€29€2k▲
Suppliers440/4€29€2k▲
Taxes, remuneration and social security45€22k€25k▲
Taxes450/3€20k€23k▲
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€0€9k▲
Accrued charges and deferred income492/3€300€0▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€541▼
Other operating charges640/8€332€538▲
Gross operating margin9900€59k€27k▼
Operating profit (loss)9901€58k€26k▼
Financial income75/76B€220€0▼
Recurring financial income75€220€0▼
Financial charges65/66B€883€242▼
Recurring financial charges65€883€242▼
Profit (loss) for the period before taxes9903€57k€26k▼
Income taxes67/77€12k€5k▼
Profit (loss) for the period9904€45k€20k▼
Profit (loss) for the period to be appropriated9905€45k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€109k€129k▲
Profit (loss) brought forward from the previous period14P€63k€109k▲
Profit to be distributed694/7-€12k
Return on contributions (dividend)694-€12k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €20k ▼55.6%
Net result drops to €20k, the lowest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €45k ▲10.6%
Operating result €58k, net result €45k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 6.13
Current ratio from 2.98 to 6.13; short-term debt falls from €34k to €22k.
31-12
Financial
Equity above €100kEq €114k ▲66.5%
3 profitable years in a row build equity to €114k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Merelbeke-Melle · 1 establishment unit since 2021
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.
Dokter Dhaenenslaan 69820 Merelbeke-MelleGround area
132 m²
Building footprint
84 m²
Volume, LiDAR
467 m³
Parcel 44043A0480/00W000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ayudo
since 20212.313.201.758
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44043A0480/00W000 | Flanders | 132 m² | 1 · 84 m² | 10.2 m · 2 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.
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ACADEMIA ET LABOR
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TOTUS ARDEO
BE 0765.426.109
Merelbeke-Melle · Eq €125k
Of 1,014 companies in sector 78200 we hold annual accounts for 645. 459 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2021
Fiscal year end31-12
Activities, NACEBEL
78200Temporary employment agencies and other provision of personnel
78300Employment activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:bruno.termonia@ayudo.be
Phone:0486627987