Age3 yrs
Real estate1 parcel · 84 m²
Summary
Conclusion
the dossier summarised in one paragraphThe KBO register records legal situation 050 for Ay Tech (Register: open bankruptcy); this is today's state according to the register itself, which carries no start date. The 2024 annual accounts show equity of €55k and a net result of €51k.
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneBankruptcy opened
A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.
Insolvency timeline
1 event22-06-2026
Bankruptcy
Bankruptcy closure (insufficient assets)
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 30-06-2024 was due by 31-01-2025 and was filed on 29-01-2025, 2 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
Filing behaviour not assessed
The register records an open bankruptcy. From that point the trustee files and the ordinary seven-month rhythm no longer governs. The register carries no start date, so we cannot tell which filings fall before it: we show the facts and do not assess the behaviour.
How we compute the deadline
There is a single filed set of accounts, closing on 30-06. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2024, that is 31-01-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-06-2024 | 31-01-2025 | 29-01-2025 | 2 d early | 2025-00025389 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsRegister: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Prior bankruptcy
Earlier bankruptcy on record in the Belgian State Gazette, no current open procedure.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€51k
Working capital€55k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 29-01-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 53.2% | 40.9% | |
| Net result | €51k | €11k | |
| Equity | €55k | €34k | |
| Gross operating margin | €99k | €35k | |
| Staff costs | €32k | €24k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | - |
| Net profit | €51k |
| Cash flow | - |
| Staff costs | €32k |
| Income taxes | €18k |
| Dividends | - |
| Total assets | €104k |
| Equity | €55k |
| Debt | €49k |
| of which ≤ 1y | €49k |
| of which > 1y | - |
| Working capital | €55k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 2.14 |
| Quick ratio | 2.14 |
| Working capital ratio | 53.2% |
| Solvency | 53.2% |
| Debt / equity | 0.88 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | 49.4% |
| ROE | 92.8% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (18 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €104k |
| Current assets | 29/58 | €104k |
| Amounts receivable within one year | 40/41 | €104k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €104k |
| Equity | 10/15 | €55k |
| Contributions / capital | 10/11 | €4k |
| Accumulated profits (losses) | 14 | €51k |
| Amounts payable | 17/49 | €49k |
| Amounts payable within one year | 42/48 | €49k |
| Trade debts payable within one year | 44 | €26k |
| Income statement | ||
| Gross operating margin | 9900 | €99k |
| Operating result | 9901 | €64k |
| Financial income | 75 | €5k |
| Financial charges | 65 | €98 |
| Result before taxes | 9903 | €69k |
| Income taxes | 67/77 | €18k |
| Net result for the period | 9904 | €51k |
| Result to be appropriated | 9905 | €51k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed24
/ 100
Critical
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024 and the legal situation the KBO register itself records. Indicative, not credit advice.
Locations & real estate
Registered office
on the map · from the address registerParcels1
Ground area84 m²
Buildings1
Building footprint84 m²
Volume (LiDAR)858 m³
Tallest building13.5 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11019B0212/00E008 | Flanders | 84 m² | 1 · 84 m² | 13.5 m · 4 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
1 event from the State Gazette22-06-2026
Bankruptcy
Bankruptcy closure (insufficient assets)
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgian State Gazette · acts
0 of 1 acts readWe know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Financial profile
4 of 5 axes measured55
/ 100
Mixed profile: strong on profitability, weaker on stability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
24
Profitability
100
Solvency
96
Growth
-
Stability
0
Credit advice
verdict per customer and amountSimilar
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Company registry
Company registry (CBE)
Crossroads BankActivities
Bouwrijp maken van terreinen43120
Primary activity highlighted.
Names & trade names
| Legal nameNL | Ay Tech |
Registered office
Sint-Bernardsesteenweg 850 bus 4
2660 Antwerpen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.