Equity
-€35,152
Debts exceed assets in financial year 2025.
RAYA INVEST
Lifetime
2 annual accounts with figures on one time axispeak €39,160 (2025)
€39,160
lowest -€40,744 (2024)
-€4,408▲ €36,337
peak -€30,744 (2024)
-€35,152▼ €4,408
€701,287▼ 1.5%
Board1 name since 2023
1 directorDIMITROVA Radoslava
Documentsfilings and deeds
30-01-20261 day before the deadline
2025financial year
Loss of €4,408Equity from -€30,744 to -€35,152Cash from €2,362 to €3,379
Key points
from the 2025 annual accountsChecked score
54
Fair
Financially stronger than 28% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 9.0%
01-2025: 9.0%● unchanged vs 12-2024
02-2025: 9.1%▲ +0.1 percentage points vs 01-2025highest value
03-2025: 9.0%▼ -0.1 percentage points vs 02-2025
04-2025: 1.8%▼ -7.2 percentage points vs 03-2025
05-2025: 1.8%● unchanged vs 04-2025
06-2025: 1.8%● unchanged vs 05-2025
07-2025: 1.8%● unchanged vs 06-2025
08-2025: 1.8%● unchanged vs 07-2025
09-2025: 1.8%● unchanged vs 08-2025
10-2025: 2.1%▲ +0.3 percentage points vs 09-2025
11-2025: 2.8%▲ +0.7 percentage points vs 10-2025
12-2025: 3.0%▲ +0.2 percentage points vs 11-2025
01-2026: 3.0%● unchanged vs 12-2025
02-2026: 2.8%▼ -0.2 percentage points vs 01-2026
03-2026: 1.0%▼ -1.8 percentage points vs 02-2026
04-2026: 1.0%● unchanged vs 03-2026lowest value
05-2026: 1.0%● unchanged vs 04-2026lowest value
06-2026: 1.0%● unchanged vs 05-2026lowest value
07-2026: 1.0%● unchanged vs 06-2026
08-2026: 1.0%● unchanged vs 07-2026
09-2026: 1.0%● unchanged vs 08-2026
10-2026: 1.1%▲ +0.1 percentage points vs 09-2026
11-2026: 1.1%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Founded in 2023
Negative equity -€35,152
lowers risk
Size: turnover €39,160, total assets €666,135
No main activity registered
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 (no NACE code, micro). It does better than 13% of them on solvency, 42% on liquidity, 37% on profitability and 21% on growth.
The bankruptcy probability was computed on 10-11-2026 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 30-06-2025.
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, 1,251 companies had the same profile as RAYA INVEST has now. Each dot stands for 4 companies, two years later.
96.6%
were still trading
2.1%
stopped another way
1.0%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of RAYA INVEST itself: 1.1% within 12 months.
Test of the method
The method was tested on the 497,448 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 1,251 companies, not a prediction for RAYA INVEST. 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 0.13 (0.02 in 2024), below 1. Short-term debt is 3.9% and cash 0.5% 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
2425
2024 to 2025 · latest year -€35,152
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
1 day early
2024
28 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 2 accounts on average 14 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end11-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0803108530
Registered office moved from Ghent to Schaerbeek
New registered office: Chaussée de Haecht 711, 1030 Schaerbeek · Previous registered office: Industrieweg 114 Bus A, 9032 Gent · General meeting of 20-11-2023 · Gazette deed
Incorporation
Founding capital of €10,000, 100 shares · Founder: DIMITROVA Radoslava · Appointment: DIMITROVA Radoslava (director) · published on 27-06-2023 · Gazette deed
First establishment
Haachtsesteenweg 711, Schaerbeek
Official details
Source: KBO- Status
- Active since 23-06-2023Normal situation
- Activity
- “De activiteit van tussenpersoon met het oog op de verkoop,aankoop,ruil,huur of overdracht van eigendom,eigendomsrechten…” (deed in Dutch)From the articles, 14 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.346.701.7961030 Schaerbeek, since 23-06-2023
- Financial year end
- 30 June
- Peppol
- Reachable since 21-11-2025
Annual accounts to 30-06-2025
- €666,135▼ 2.2%
- Employeeson 30-06-2025
- 0
- Filing
- Filed on 30-01-2026, 1 day before the end of the filing period
Insights on RAYA INVEST
RAYA INVEST has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€35,152) and a net result of -€4,408.
The computed 12-month bankruptcy probability is 1.1% (low).
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 RAYA INVEST
- What is the company number of RAYA INVEST?
- The company number of RAYA INVEST is 0803.108.530. The VAT number is the same number with BE in front: BE 0803.108.530.
- Where is RAYA INVEST based?
- The registered office is at Haachtsesteenweg 711, 1030 Schaerbeek.Company details
- What is the legal form of RAYA INVEST?
- RAYA INVEST is a private limited company (BV).
- When was RAYA INVEST founded?
- RAYA INVEST was founded on 23-06-2023.
- Is RAYA INVEST still active?
- Yes, RAYA INVEST is an active enterprise in the KBO register.
- What is the turnover of RAYA INVEST?
- The turnover of RAYA INVEST was €39,160 in financial year 2025, according to the filed annual accounts.Financials
- Is RAYA INVEST profitable?
- In financial year 2025, RAYA INVEST made a loss of €4,408.
- Where can I find the annual accounts of RAYA INVEST?
- RAYA INVEST filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of RAYA INVEST due?
- RAYA INVEST must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
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