BY AUDIO
ActiveSummary
The computed 12-month bankruptcy probability of BY AUDIO is 3.2% (moderate). The 2025 annual accounts show equity of €19k and a net result of €38k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 31% of 18280 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+50
Solvency37▼-58
Growth58▲+6
Track record94
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.08 against 3.13 in 2024; short-term debt: 87.8% and cash: 25.1% of total assets), and 87.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
12.2%
Return on assets
24.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
29 d late
2024
31 d late
2023
29 d late
2022
32 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, micro schema
Equity
€19k▼ 79.0%
2024 · €89k
2022: €31k
2023: €87k
2024: €89k
2022 → 2025
Total assets
€152k▲ 19.8%
2024 · €127k
2022: €55k
2023: €118k
2024: €127k
2022 → 2025
Net result
€38k▲ 1,435%
2024 · €2k
2022: €31k
2023: €57k
2024: €2k
2022 → 2025
Working capital
€10k▼ 87.6%
2024 · €82k
2022: €27k
2023: €77k
2024: €82k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€31k-€87k▲ 183%€89k▲ 1.9%€19k▼ 79.0%
Operating result€41k-€75k▲ 81.1%€6k▼ 92.2%€56k▲ 856%
Net result€31k-€57k▲ 83.6%€2k▼ 95.7%€38k▲ 1,435%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 856% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €152k
Fixed assets
€8k ▲ 30.8%
Current assets
€144k ▲ 19.2%
Equity and liabilities €152k
Equity
€19k ▼ 79.0%
Debt
€134k ▲ 247%
Debt's share of the balance-sheet total rises from 30.3% to 87.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€60k▲
2024 · €9k
Cash flow
€43k▲
2024 · €6k
Current ratio
1.08▼
2024 · 3.13
Debt to equity
7.19▲
2024 · 0.44
ROE
203.8%▲
2024 · 2.8%
ROA
24.9%▲
2024 · 1.9%
Interest coverage
26.03▲
2024 · 3.43
Debt ≤ 1 year
€134k▲
2024 · €39k
Income taxes
€18k▲
2024 · €2k
Staff costs
€6k▼
2024 · €7k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€127k€152k▲
Fixed assets21/28€6k€8k▲
Tangible fixed assets22/27€6k€5k▼
Land and buildings22€864€691▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€4k€1k▼
Financial fixed assets28-€3k
Current assets29/58€121k€144k▲
Amounts receivable within one year40/41€51k€105k▲
Trade receivables40€12k€28k▲
Other amounts receivable41€39k€78k▲
Cash at bank and in hand54/58€69k€38k▼
Deferred charges and accrued income490/1-€294
Equity and liabilities
Total equity and liabilities10/49€127k€152k▲
Equity10/15€89k€19k▼
Contributions10/11€500€500=
Profit (loss) carried forward14€88k€18k▼
Amounts payable17/49€39k€134k▲
Amounts payable within one year42/48€39k€134k▲
Trade debts44€18k€8k▼
Suppliers440/4€18k€8k▼
Taxes, remuneration and social security45€21k€34k▲
Taxes450/3€21k€34k▲
Remuneration and social security454/9€85-
Other amounts payable47/48-€92k
Income statement
Code20242025
Remuneration, social security and pensions62€7k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€285€2k▲
Gross operating margin9900€17k€69k▲
Operating profit (loss)9901€6k€56k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€5k€56k▲
Income taxes67/77€2k€18k▲
Profit (loss) for the period9904€2k€38k▲
Profit (loss) for the period to be appropriated9905€2k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€89k€126k▲
Profit (loss) brought forward from the previous period14P€87k€88k▲
Profit to be distributed694/7€800€108k▲
Return on contributions (dividend)694€800€108k▲
The notes to these accounts (7 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €2k ▼95.7%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2022net €57k ▲83.6%
Operating result €75k, net result €57k, both a record.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Brussel · 1 establishment unit since 2022
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.
Charles Demeerstraat 481020 BrusselGround area
133 m²
Building footprint
70 m²
Volume, LiDAR
851 m³
Parcel 21815D0326/00S005, Brussels · tallest building 15.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BY AUDIO SRL
since 20222.331.188.726
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21815D0326/00S005 | Brussels | 133 m² | 1 · 70 m² | 15.7 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
Legal Entity Identifier
984500FC6I44AC450A39
Similar companies · same sector, comparable size
JUROMA Belgium
BE 0745.454.896
Seraing · Eq €19,102
Hoorcentrum Céline Jacobs
BE 0741.430.782
Herselt · Eq €18,057
CUMERCO
BE 0755.492.616
Wellen · Eq €17,843
SERENITY
BE 0735.573.962
Manage · Eq €17,756
MDG Concept
BE 0758.936.611
Zoersel · Eq €19,709
Of 1,070 companies in sector 47741 we hold annual accounts for 644. 307 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
Founded07-03-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
86995Nutrition and dietetics services
77225Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.