MAISONS HAYOIT
ActiveThe computed 12-month bankruptcy probability of MAISONS HAYOIT is 2.0% (moderate). The 2025 annual accounts show negative equity (€-443k) and a net result of €-134k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 4107 sector peers (fiscal year 2025). The company has been active since 1974 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency67=
Growth32=
Stability100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 3.02 against 3.19 in 2024), but equity is negative.
Credit advice for your own amount and term
Signals
Ten signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
-27.1%
Return on assets
-8.2%
Age of the figures
17 mo
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 →
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€443k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
30 d late
2023
on the day
2022
61 d late
2021
52 d late
2020
61 d late
2019
110 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close12-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-134k▲ 30.7%
2024 · €-193k
2019: €-115k
2020: €-213k
2021: €140k
2022: €36k
2023: €-26k
2024: €-193k
2019 → 2025
Working capital
€1.05M▼ 3.0%
2024 · €1.08M
2019: €874k
2020: €773k
2021: €1.07M
2022: €1.30M
2023: €1.21M
2024: €1.08M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-127k-€-91k▲ 28.5%€-116k▼ 28.2%€-309k▼ 166%€-443k▼ 43.3%
Operating result€168k-€99k▼ 40.8%€5k▼ 94.5%€-163k€-100k▲ 38.4%
Net result€140k-€36k▼ 74.2%€-26k€-193k▼ 656%€-134k▲ 30.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €100k in 2025 against €163k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.63M
Fixed assets
€61k▼ 13.6%
Current assets
€1.57M▼ 0.5%
Key figures and ratios
EBITDA
€-87k▲
2024 · €-147k
Cash flow
€-121k▲
2024 · €-178k
Solvency
-27.1%▼
2024 · -18.7%
Current ratio
3.02▼
2024 · 3.19
Quick ratio
0.33▲
2024 · 0.28
Debt / equity
-4.69▲
2024 · -6.34
ROE
30.2%▼
2024 · 62.5%
ROA
-8.2%▲
2024 · -11.7%
Interest coverage
-2.61▲
2024 · -4.83
Debt
€2.08M▲
2024 · €1.96M
Debt ≤ 1 year
€520k▲
2024 · €495k
Debt > 1 year
€1.56M▲
2024 · €1.46M
Income taxes
€195
Staff costs
€869k▼
2024 · €918k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.65M€1.63M▼
Fixed assets21/28€71k€61k▼
Tangible fixed assets22/27€35k€25k▼
Land and buildings22€15€232▲
Plant, machinery and equipment23€812€5k▲
Furniture and vehicles24€21k€10k▼
Other tangible fixed assets26€13k€9k▼
Financial fixed assets28€36k€36k=
Current assets29/58€1.58M€1.57M▼
Stocks and contracts in progress3€1.44M€1.40M▼
Stocks30/36€1.44M€1.40M▼
Amounts receivable within one year40/41€56k€30k▼
Trade receivables40€56k€30k▼
Cash at bank and in hand54/58€63k€116k▲
Deferred charges and accrued income490/1€21k€23k▲
Equity and liabilities
Total equity and liabilities10/49€1.65M€1.63M▼
Equity10/15€-309k€-443k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€31k€31k=
Non-distributable reserves130/1€31k€31k=
Legal reserve130€31k€31k=
Profit (loss) carried forward14€-402k€-536k▼
Amounts payable17/49€1.96M€2.08M▲
Amounts payable after more than one year17€1.46M€1.56M▲
Financial debts170/4€1.46M€1.56M▲
Amounts payable within one year42/48€495k€520k▲
Trade debts44€355k€394k▲
Suppliers440/4€355k€394k▲
Taxes, remuneration and social security45€140k€126k▼
Taxes450/3€7k€8k▲
Remuneration and social security454/9€133k€118k▼
Income statement
Code20242025
Non-recurring operating income76A€2k€3k▲
Remuneration, social security and pensions62€918k€869k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€13k▼
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€936-
Gross operating margin9900€774k€784k▲
Operating profit (loss)9901€-163k€-100k▲
Financial charges65/66B€31k€33k▲
Recurring financial charges65€31k€33k▲
Profit (loss) for the period before taxes9903€-193k€-134k▲
Income taxes67/77-€195
Profit (loss) for the period9904€-193k€-134k▲
Profit (loss) for the period to be appropriated9905€-193k€-134k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-402k€-536k▼
Profit (loss) brought forward from the previous period14P€-209k€-402k▼
Social balance
Average headcount (FTE)908723.822.9▼
The notes to these accounts (8 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
30-11
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
31-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 61 days late
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 52 days late
31-03
Financial
Back to profitnet €140k
Net result €140k after 2 loss-making years.
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 61 days late
31-03
Financial
Weakest financial yearnet €-213k
Net result drops to €-213k, the lowest in the series; recovery starts the following year.
18-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 110 days late
2018
29-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Braine-l'Alleud · 9 establishment units since 1974
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.
Rue de la Graignette 101420 Braine-l'AlleudGround area
9,045 m²
Building footprint
3,394 m²
Volume, LiDAR
27,295 m³
10 parcels, Brussels, Wallonia · tallest building 23.1 m, ±6 floors. Linked by address, not a title deed.
9 establishment units
Alsembergsesteenweg 726, 1180 Ukkel
since 19742.010.405.766
HAYOIT
since 19742.010.405.865
HAYOIT
since 19742.010.405.964
HAYOIT
since 19932.010.406.360
HAYOIT
since 20052.152.266.286
Hayoit
since 20102.204.770.705
Show 3 more locations
Hayoit
since 20102.204.771.792
Hayoit
since 20112.204.770.111
HAYOIT
since 20122.227.304.496
10 parcels
Wallonia
5
(50%)
Brussels
5
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25783E0243/00N000 | Wallonia | 3,120 m² | - | - |
| 25014N0025/00L000 | Wallonia | 1,972 m² | 1 · 551 m² | 6.6 m · 2 fl. |
| 25033C0006/00D000 | Wallonia | 1,964 m² | 1 · 1,560 m² | 8.5 m · 2 fl. |
| 25763K0767/00B000 | Wallonia | 713 m² | 1 · 180 m² | 13.9 m · 4 fl. |
| 21572B0297/00H002 | Brussels | 437 m² | 1 · 435 m² | 23.1 m · 6 fl. |
| 21016B0008/00B004 | Brussels | 274 m² | 1 · 221 m² | 13.8 m · 2 fl. |
| 21612C0033/00S000 | Brussels | 200 m² | 1 · 163 m² | 17.3 m · 2 fl. |
| 21683D0232/00S003 | Brussels | 123 m² | 1 · 122 m² | 13.6 m · 4 fl. |
| 25112M0058/00B000 | Wallonia | 121 m² | 1 · 52 m² | 13.4 m · 4 fl. |
| 21005A0575/00B003 | Brussels | 120 m² | 1 · 110 m² | 16.9 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 9
10 of 10 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Legal Entity Identifier
894500DIEBYHNGXRHT05
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Of 1,268 companies in sector 47512 we hold annual accounts for 579. 467 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded20-06-1974
Fiscal year end31-03
Activities, NACEBEL
47512Retail sale of household textiles and bedding
52410
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.