VAYIA
ActiveThe computed 12-month bankruptcy probability of VAYIA is 1.7% (moderate). The annual accounts of VAYIA for fiscal year 2024 show a net loss of 53% of total assets and of 59% of the equity at the start of that year. The 2024 annual accounts show equity of €6k and a net result of €-8k. Its solvency ranks better than 38% of 9518 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability50▼-47
Solvency62▲+10
Growth32
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.3 against 1.33 in 2023; short-term debt: 62.8% and cash: 31.6% of total assets), and 62.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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 2024Solvency, return and age of the figures
Solvency
37.2%
Return on assets
-53.5%
Age of the figures
21 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-08-2025, 14 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
14 d late
2023
11 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€6k▼ 59.0%
2023 · €14k
2023: €14k
2023 → 2024
Total assets
€15k▼ 70.6%
2023 · €53k
2023: €53k
2023 → 2024
Net result
€-8k
2023 · €12k
2023: €12k
2023 → 2024
Working capital
€3k▼ 40.8%
2023 · €5k
2023: €5k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€14k-€6k▼ 59.0%
Operating result€15k-€26k▲ 71.4%
Net result€12k-€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 71% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €15k
Fixed assets
€3k▼ 91.4%
Current assets
€13k▼ 36.5%
Equity and liabilities €15k
Equity
€6k▼ 59.0%
Debt
€10k▼ 74.9%
The debt ratio falls from 73.4% to 62.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€28k▲
2023 · €17k
Cash flow
€-7k▼
2023 · €14k
Solvency
37.2%▲
2023 · 26.6%
Current ratio
1.30▼
2023 · 1.33
Quick ratio
0.92▼
2023 · 1.31
Debt / equity
1.69▼
2023 · 2.76
ROE
-143.9%▼
2023 · 85.7%
ROA
-53.5%▼
2023 · 22.8%
Interest coverage
24.38▼
2023 · 61.73
Debt
€10k▼
2023 · €39k
Debt ≤ 1 year
€10k▼
2023 · €15k
Income taxes
€3k▲
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€53k€15k▼
Fixed assets21/28€33k€3k▼
Tangible fixed assets22/27€33k€3k▼
Furniture and vehicles24€31k€2k▼
Other tangible fixed assets26€1k€899▼
Current assets29/58€20k€13k▼
Stocks and contracts in progress3€309€4k▲
Stocks30/36€309€4k▲
Amounts receivable within one year40/41€5k-
Trade receivables40€5k-
Other amounts receivable41€15-
Cash at bank and in hand54/58€12k€5k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€53k€15k▼
Equity10/15€14k€6k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€12k€4k▼
Amounts payable17/49€39k€10k▼
Amounts payable after more than one year17€24k-
Financial debts170/4€24k-
Amounts payable within one year42/48€15k€10k▼
Current portion of amounts payable after more than one year42€6k-
Trade debts44€3k-
Suppliers440/4€3k-
Taxes, remuneration and social security45€6k€6k▲
Taxes450/3€5k€5k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48-€3k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8-€5k
Gross operating margin9900€17k€33k▲
Operating profit (loss)9901€15k€26k▲
Financial charges65/66B€279€31k▲
Recurring financial charges65€279€1k▲
Non-recurring financial charges66B-€30k
Profit (loss) for the period before taxes9903€15k€-5k▼
Income taxes67/77€3k€3k▲
Profit (loss) for the period9904€12k€-8k▼
Profit (loss) for the period to be appropriated9905€12k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€4k▼
Profit (loss) brought forward from the previous period14P-€12k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
11-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 11 days late
NBB filing
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, Plombières · 1 establishment unit since 2023
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 Ten-Eycken 214850 PlombièresGround area
924 m²
Building footprint
247 m²
Volume, LiDAR
401 m³
2 parcels, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VAYIA
since 20232.347.392.773
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63053A0220/00P007 | Wallonia | 825 m² | 1 · 200 m² | - |
| 63084B0122/00K007 | Wallonia | 99 m² | 1 · 47 m² | 10.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,404. 3,394 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-2023
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
82100Office administrative and support services
82110Office administrative, office support and other business support activities
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.