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KRAYU

Active
Private limited companyfounded 20232 yrs activeBrusselsesteenweg 18A, 1730 Asse, BelgiumKBO/BCE: BE 1001.489.168
Summary

KRAYU has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22,982 and a net result of -€8,357. Its solvency ranks better than 94% of 31958 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth32
Track record82
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 21.89 against 4.69 in 2024; short-term debt: 4.5% and cash: 5.6% of total assets), and 4.5% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
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 2025
Solvency, return and age of the figures
Solvency
95.5%
Return on assets
-34.7%
Age of the figures
9 mo
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 01-07-2026, 30 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
30 d early
2024
24 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 27 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

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 months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 23 October 2023, KRAYU was incorporated as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€22,982▼ 26.7%
2024 · €31,340
Total assets
€24,064▼ 39.2%
2024 · €39,603
Net result
-€8,357
2024 · €28,340
Working capital
€22,594▼ 26.0%
2024 · €30,512
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result€43,000--€8,178
Net result€28,340within the sector's middle half--€8,357below the sector's middle half
Equity€31,340within the sector's middle half-€22,982within the sector's middle half▼ 26.7%
Total assets€39,603below the sector's middle half-€24,064below the sector's middle half▼ 39.2%
Debt€8,263-€1,082▼ 86.9%
Working capital€30,512within the sector's middle half-€22,594within the sector's middle half▼ 26.0%
Solvency79.1%within the sector's middle half-95.5%above the sector's middle half▲ 16.4pp
Current ratio4.69within the sector's middle half-21.89above the sector's middle half▲ 17.20
Return on assets (ROA)71.6%above the sector's middle half--34.7%below the sector's middle half▼ 106.3pp
above within below the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€20,000€0€20,000€40,000Operating result 2024: €43,000€43,000Net result 2024: €28,340€28,340Operating result 2025: -€8,178-€8,178Net result 2025: -€8,357-€8,35720242025-€20,000€0€20,000€40,000Operating result 2024: €43,000€43,000Net result 2024: €28,340€28,300Operating result 2025: -€8,178-€8,180Net result 2025: -€8,357-€8,36020242025
The operating result turns negative in 2025: a loss of €8,178 after €43,000 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €24,064
Fixed assets €388 ▼ 53.0%
Current assets €23,676 ▼ 38.9%
Equity and liabilities €24,064
Equity €22,982 ▼ 26.7%
Debt €1,082 ▼ 86.9%
Debt's share of the balance-sheet total falls from 20.9% to 4.5%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
-€7,739▼
2024 · €43,489
Cash flow
-€7,918▼
2024 · €28,829
Debt to equity
0.05▼
2024 · 0.26
ROE
-36.4%▼
2024 · 90.4%
Interest coverage
-42.41▼
2024 · 49.94
Debt ≤ 1 year
€1,082▼
2024 · €8,263
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 3,225 companies that looked in July 2024 the way this one looks now, 3.3% went bankrupt within 24 months and 88% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more
3.3% went bankrupt
8.7% stopped otherwise
88% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 3,225 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 36 lines
Balance sheet Code20242025
Assets
Total assets20/58€39,603€24,064▼
Fixed assets21/28€827€388▼
Tangible fixed assets22/27€827€388▼
Furniture and vehicles24€827€388▼
Current assets29/58€38,776€23,676▼
Amounts receivable within one year40/41€31,181€22,327▼
Other amounts receivable41€31,181€22,327▼
Cash at bank and in hand54/58€7,595€1,348▼
Equity and liabilities
Total equity and liabilities10/49€39,603€24,064▼
Equity10/15€31,340€22,982▼
Contributions10/11€3,000€3,000=
Reserves13€28,340€28,340=
Distributable reserves133€28,340€28,340=
Profit (loss) carried forward14--€8,357
Amounts payable17/49€8,263€1,082▼
Amounts payable within one year42/48€8,263€1,082▼
Current portion of amounts payable after more than one year42€5,071-
Trade debts44€358€1,082▲
Suppliers440/4€358€1,082▲
Taxes, remuneration and social security45€2,834-
Taxes450/3€2,834-
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€489€439▼
Other operating charges640/8€50€126▲
Gross operating margin9900€43,539-€7,613▼
Operating profit (loss)9901€43,000-€8,178▼
Financial income75/76B€15€3▼
Recurring financial income75€15€3▼
Financial charges65/66B€871€182▼
Recurring financial charges65€871€182▼
Profit (loss) for the period before taxes9903€42,144-€8,357▼
Income taxes67/77€13,805-
Profit (loss) for the period9904€28,340-€8,357▼
Profit (loss) for the period to be appropriated9905€28,340-€8,357▼
Appropriation of the result
Profit (loss) to be appropriated9906€28,340-€8,357▼
Transfer to equity691/2€28,340-
To other reserves6921€28,340-

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€489€439▼ 10.3%
Other operating charges640/8€50€126▲ 152%
Gross operating margin9900€43,539-€7,613▼ 117%
Operating profit (loss)9901€43,000-€8,178▼ 119%
Financial income75/76B€15€3▼ 81.9%
Recurring financial income75€15€3▼ 81.9%
Financial charges65/66B€871€182▼ 79.0%
Recurring financial charges65€871€182▼ 79.0%
Profit (loss) for the period before taxes9903€42,144-€8,357▼ 120%
Income taxes67/77€13,805--
Profit (loss) for the period9904€28,340-€8,357▼ 129%
Profit (loss) for the period to be appropriated9905€28,340-€8,357▼ 129%
Line20242025Change
Assets
Total assets20/58€39,603€24,064▼ 39.2%
Fixed assets21/28€827€388▼ 53.0%
Tangible fixed assets22/27€827€388▼ 53.0%
Furniture and vehicles24€827€388▼ 53.0%
Current assets29/58€38,776€23,676▼ 38.9%
Amounts receivable within one year40/41€31,181€22,327▼ 28.4%
Other amounts receivable41€31,181€22,327▼ 28.4%
Cash at bank and in hand54/58€7,595€1,348▼ 82.2%
Equity and liabilities
Total equity and liabilities10/49€39,603€24,064▼ 39.2%
Equity10/15€31,340€22,982▼ 26.7%
Contributions10/11€3,000€3,000=
Reserves13€28,340€28,340=
Distributable reserves133€28,340€28,340=
Profit (loss) carried forward14--€8,357-
Amounts payable17/49€8,263€1,082▼ 86.9%
Amounts payable within one year42/48€8,263€1,082▼ 86.9%
Current portion of amounts payable after more than one year42€5,071--
Trade debts44€358€1,082▲ 202%
Suppliers440/4€358€1,082▲ 202%
Taxes, remuneration and social security45€2,834--
Taxes450/3€2,834--
Line20242025Change
Profit (loss) for the period9904€28,340-€8,357▼ 129%
+ Depreciation and write-downs630€489€439▼ 10.3%
Operating cash flow (approximation)€28,829-€7,918▼ 127%
Investment in fixed assets (approximation)-€0-
Change in cash--€6,247-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
01-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Liquidity times 5current ratio 21.89
Current ratio from 4.69 to 21.89; short-term debt falls from €8,263 to €1,082.
07-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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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, Asse · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
369 m²
Building footprint
167 m²
Volume, LiDAR
876 m³
Parcel 23322E0103/00N000, Flanders · tallest building 10.1 m, ±1 floor. Linked by address, not a title deed.
74 companies at this address See who is registered here
1 establishment unit
KRAYU
Brusselsesteenweg 18A, 1730 AsseRenting and operating of own or leased non-residential real estate, excluding land
since 20232.351.067.588
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23322E0103/00N000 Flanders 369 m² 1 · 167 m² 10.1 m · 1 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 82,641 companies in sector 70200 we hold annual accounts for 52,636. 32,041 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded23-10-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
73300Public relations and communication consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1001489168
Also 9925:BE1001489168
Registered 09-05-2024

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.