Equity
-€15,142
Debts exceed assets in financial year 2025.
EQUITOPYA
Lifetime
4 annual accounts with figures on one time axispeak €20,147 (2023)
€10,846▲ €23,591
lowest -€31,303 (2024)
-€6,243▲ €25,060
peak €22,403 (2023)
-€15,142▼ €6,243
€46,885▼ 12.1%
Board2 names since 2022
1 directorFINET Auriane Renelde Simone
Documentsfilings and deeds
30-07-20261 day before the deadline
2025micro format
Gross margin from -€12,745 to €10,846Loss of €6,243Equity from -€8,899 to -€15,142Cash from €6,869 to €2,439
Key points
from the 2025 annual accountsLosses
-€37,545 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Turnover
≈ €63,000 estimated
The micro format states no turnover.
Debts
€46,885 148% of the balance sheet
Suppliers 31%Taxes and wages 20%Other 49%
Of this, €45,878 falls due within a year.
Filings
4 annual accounts 1 late
The 2024 accounts came 29 days late. The other three were filed on time.
Position in the sector
-47.7%
Lower solvency than 85% of companies in sports and recreation. Sector median 27.7% · 2,880 companies.
Checked score
53
Fair
Financially stronger than 9% of micro companies in sports and recreation (NACE 93)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.3% across 4,270 companies (NACE 93, micro).
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.8%lowest value
01-2025: 0.9%▲ +0.1 percentage points vs 12-2024
02-2025: 0.9%● unchanged vs 01-2025
03-2025: 0.9%● unchanged vs 02-2025
04-2025: 1.0%▲ +0.1 percentage points vs 03-2025
05-2025: 1.0%● unchanged vs 04-2025
06-2025: 1.0%● unchanged vs 05-2025
07-2025: 1.0%● unchanged vs 06-2025
08-2025: 1.4%▲ +0.4 percentage points vs 07-2025
09-2025: 1.5%▲ +0.1 percentage points vs 08-2025highest value
10-2025: 1.5%● unchanged vs 09-2025highest value
11-2025: 1.2%▼ -0.3 percentage points vs 10-2025
12-2025: 1.2%● unchanged vs 11-2025
01-2026: 1.2%● unchanged vs 12-2025
02-2026: 1.2%● unchanged vs 01-2026
03-2026: 1.1%▼ -0.1 percentage points vs 02-2026
04-2026: 1.2%▲ +0.1 percentage points vs 03-2026
05-2026: 1.2%● unchanged vs 04-2026
06-2026: 1.2%● unchanged vs 05-2026
07-2026: 1.3%▲ +0.1 percentage points vs 06-2026
08-2026: 0.9%▼ -0.4 percentage points vs 07-2026
09-2026: 0.9%● unchanged vs 08-2026
10-2026: 0.9%● unchanged vs 09-2026
11-2026: 0.9%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€15,142
lowers risk
Sector: Sports, amusement and recreation activities (NACE 93)
Size: total assets €31,743
Figures for financial year 2025 (filed on 30-07-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 93, micro). It does better than 9% of them on solvency, 11% on liquidity, 7% on profitability and 10% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 7,639 companies had the same profile as EQUITOPYA has now. Each dot stands for 20 companies, two years later.
84.8%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of EQUITOPYA itself is lower: 0.9% within 12 months. It rests on far more data about EQUITOPYA than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,639 companies, not a prediction for EQUITOPYA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.39 (0.54 in 2024), below 1. Short-term debt is 144.5% and cash 7.7% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year -€15,142
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 30-07-2026, 1 day ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
1 day early
2024
29 days late
2023
5 days early
2022
28 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 1 day before the deadline. In the sector (NACE 93), the median for financial year 2024 was 1 day before the deadline, and 42% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 July (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- HUART Catherine Janine Simone founderdeed of 15-03-2022
- FINET Auriane Renelde Simone founderdeed of 15-03-2022
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0783339732
Resignation: Catherine Huart (director)
General meeting of 31-03-2023 · Gazette deed
Incorporation
Founding capital of €30,000, 300 shares, €23,500 paid up · Founders: HUART Catherine Janine Simone and FINET Auriane Renelde Simone · Appointments: HUART Catherine Janine Simone (director) and FINET Auriane Renelde Simone (director) · published on 15-03-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| EQUITOPYA Brussels | €31,743 | €10,846 | -47.7% | - |
| FLG STABLE Remicourt | €42,729 | €19,472 | -124.0% | - |
| L.C - stables Leuze-en-Hainaut | €47,079 | €8,558 | -13.5% | - |
| ECURIES BOULANT-FONTAINE Ham-sur-Heure-Nalinnes | €61,050 | €18,265 | 24.1% | - |
| IG SPORTS HORSES Braine-l'Alleud | €19,289 | €4,524 | -94.6% | - |
| SFS Trading Maasmechelen | €36,053 | €20,115 | 31.5% | - |
| JANSSEN STABLES Visé | €48,156 | €24,236 | 88.9% | - |
These companies have the same main activity as EQUITOPYA: equestrian clubs (NACE 93127). They are comparable in size and age: total assets between €19,300 and €61,100, founded between 2019 and 2024.
Official details
Source: KBO- Status
- Active since 11-03-2022Normal situation
- Activity
- Equestrian clubsNACE 93127and 2 others
- Establishment units
- 2.330.346.7071360 Perwez, since 11-03-2022
- 2.330.346.8061120 Brussels, since 11-03-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 01-01-2026
Annual accounts 2025
- €31,743▼ 28.5%
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on EQUITOPYA
EQUITOPYA files the micro format. That format states no turnover. The gross margin rose from -€14,405 in 2022 to €10,846 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about EQUITOPYA
- What is the company number of EQUITOPYA?
- The company number of EQUITOPYA is 0783.339.732. The VAT number is the same number with BE in front: BE 0783.339.732.
- Where is EQUITOPYA based?
- The registered office is at Lombardsijdestraat 163, 1120 Brussels.Company details
- What does EQUITOPYA do?
- According to the KBO register, the main activity is equestrian clubs (NACE 93127).
- What is the legal form of EQUITOPYA?
- EQUITOPYA is a private limited company (BV).
- When was EQUITOPYA founded?
- EQUITOPYA was founded on 11-03-2022.
- Is EQUITOPYA still active?
- Yes, EQUITOPYA is an active enterprise in the KBO register.
- What is the turnover of EQUITOPYA?
- The turnover in financial year 2025 is ≈ €63,000. This figure is estimated from the gross margin of €10,846 and 45 comparable companies (NACE 931). It probably lies between €28,000 and €150,000. It is a rough estimate. In financial year 2023 turnover was €95,863.Financials
- Is EQUITOPYA profitable?
- In financial year 2025, EQUITOPYA made a loss of €6,243.
- Where can I find the annual accounts of EQUITOPYA?
- EQUITOPYA filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of EQUITOPYA due?
- EQUITOPYA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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