DAYAL
ActiveSummary
DAYAL has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €2k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 52% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▼-20
Solvency61=
Growth69▲+1
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.39 against 2.5 in 2024; short-term debt: 41.1% and cash: 13.4% of total assets), but 64% 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 · 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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
36%
Return on assets
1.8%
Age of the figures
9 mo
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
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
4 d late
2024
14 d early
2023
19 d early
2022
11 d early
2021
8 d late
2020
64 d early
2019
21 d late
← before the deadline
after the deadline →
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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€1.58M▲ 14.3%
2024 · €1.38M
2018: €1.07M
2019: €1.06M
2020: €784k
2021: €915k
2022: €1.18M
2023: €1.28M
2024: €1.38M
2018 → 2025
EBIT margin
0.2%▼ 0.7pp
2024 · 0.8%
2018: 0.1%
2019: -0.7%
2020: -0.9%
2021: 0.6%
2022: 0.1%
2023: 0.4%
2024: 0.8%
2018 → 2025
Net result
€2k▼ 81.2%
2024 · €9k
2018: €1k
2019: €-8k
2020: €-7k
2021: €5k
2022: €828
2023: €4k
2024: €9k
2018 → 2025
Working capital
€56k▲ 3.2%
2024 · €54k
2018: €10k
2019: €15k
2020: €22k
2021: €40k
2022: €41k
2023: €45k
2024: €54k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€915k-€1.18M▲ 29.2%€1.28M▲ 8.0%€1.38M▲ 7.9%€1.58M▲ 14.3%
Equity€19k-€20k▲ 4.2%€24k▲ 20.2%€34k▲ 37.5%€35k▲ 5.1%
Operating result€5k-€2k▼ 69.7%€6k▲ 253%€12k▲ 111%€3k▼ 77.5%
Net result€5k-€828▼ 82.0%€4k▲ 397%€9k▲ 123%€2k▼ 81.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 77% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98k
Fixed assets
€2k =
Current assets
€96k ▲ 6.5%
Equity and liabilities €98k
Equity
€35k ▲ 5.1%
Debt
€63k ▲ 7.2%
Debt's share of the balance-sheet total rises from 63.6% to 64.0%. Equity and debt are higher.
Key figures and ratios
Current ratio
2.39▼
2024 · 2.50
Quick ratio
0.43▼
2024 · 0.46
Debt to equity
1.78▲
2024 · 1.74
ROE
4.9%▼
2024 · 27.3%
ROA
1.8%▼
2024 · 9.9%
Debt ≤ 1 year
€40k▲
2024 · €36k
Debt > 1 year
€23k=
2024 · €23k
Income taxes
€796▼
2024 · €2k
Staff costs
€22k▼
2024 · €24k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€92k€98k▲
Fixed assets21/28€2k€2k=
Financial fixed assets28€2k€2k=
Current assets29/58€90k€96k▲
Stocks and contracts in progress3€74k€79k▲
Stocks30/36€74k€79k▲
Amounts receivable within one year40/41€4k€3k▼
Other amounts receivable41€4k€3k▼
Cash at bank and in hand54/58€12k€13k▲
Deferred charges and accrued income490/1€777€812▲
Equity and liabilities
Total equity and liabilities10/49€92k€98k▲
Equity10/15€34k€35k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€15k€17k▲
Amounts payable17/49€59k€63k▲
Amounts payable after more than one year17€23k€23k=
Other amounts payable178/9€23k€23k=
Amounts payable within one year42/48€36k€40k▲
Trade debts44€21k€28k▲
Suppliers440/4€21k€28k▲
Taxes, remuneration and social security45€14k€12k▼
Taxes450/3€4k€3k▼
Remuneration and social security454/9€11k€9k▼
Other amounts payable47/48€838-
Income statement
Code20242025
Turnover70€1.38M€1.58M▲
Goods, raw materials, services and sundry goods60/61€1.34M€1.55M▲
Remuneration, social security and pensions62€24k€22k▼
Other operating charges640/8€11k€7k▼
Gross operating margin9900€47k€31k▼
Operating profit (loss)9901€12k€3k▼
Financial income75/76B€120€199▲
Recurring financial income75€120€199▲
Financial charges65/66B€308€301▼
Recurring financial charges65€308€301▼
Profit (loss) for the period before taxes9903€11k€3k▼
Income taxes67/77€2k€796▼
Profit (loss) for the period9904€9k€2k▼
Profit (loss) for the period to be appropriated9905€9k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€17k▲
Profit (loss) brought forward from the previous period14P€6k€15k▲
The notes to these accounts (4 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
2026
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €9k ▲123%
Operating result €12k, net result €9k, both a record.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 21 days late
2019
31-12
Financial
Weakest financial yearnet €-8k ▼747%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 14 days late
2017
27-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Leuze-en-Hainaut · 3 establishment units since 2014
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 Tournai(L) 117900 Leuze-en-HainautGround area
525 m²
Building footprint
466 m²
Volume, LiDAR
4,463 m³
3 parcels, Flanders, Wallonia · tallest building 16.3 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
Rue de Tournai(L) 11, 7900 Leuze-en-Hainaut
since 20142.231.556.462
Statiestraat 3, 8920 Langemark-Poelkapelle
since 20142.233.717.087
Wijnstraat 56, 9600 Ronse
since 20152.238.021.117
3 parcels
Flanders
2
(66.7%)
Wallonia
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45423E0132/00G000 | Flanders | 279 m² | 1 · 279 m² | 16.3 m · 4 fl. |
| 33014H0563/00V000 | Flanders | 149 m² | 1 · 131 m² | 10.9 m · 2 fl. |
| 57048D0129/00K000 | Wallonia | 97 m² | 1 · 56 m² | 13.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
3 sitesLangemark-Poelkapelle2.233.717.087
Leuze-en-Hainaut2.231.556.462
Ronse/Renaix2.238.021.117
Similar companies · same sector, comparable size
WINERY
BE 0867.068.350
Lasne · Eq €35,764
Kenadvies
BE 0672.996.688
Bornem · Eq €35,782
WINFIN
BE 0480.002.817
Villers-la-Ville · Eq €34,791
GONE Concept
BE 0733.889.726
Arlon · Eq €34,728
BRASSERIE LION
BE 0566.989.348
Nivelles · Eq €34,649
Of 1,508 companies in sector 47252 we hold annual accounts for 651. 419 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-05-2014
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47252Retail sale of beverages, general range
47260Retail trade
47279Other retail sale of food
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.