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VAYAM

Active
Rue de la Station 13 ·1300 Wavre, Belgium
KBO/BCE: BE 1016.460.426
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Age1 yr
Real estate1 parcel · 1.1 ha

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of VAYAM is 0.2% (very low). The 2025 annual accounts show equity of €251k and a net result of €31k. Its solvency ranks better than 19% of 309 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.2% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 309 sector peers (2025).
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-06-2026, 42 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. 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 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 19-06-2026 42 d early 2026-00184070

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 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

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€31k
Working capital€-573k

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 19-06-2026 with the NBB · fiscal year 2025 · volledig
Sector comparison
Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 9.9% 42.2%
better than 19% of 309 sector peers
Net result €31k €54k
better than 38% of 308 sector peers
Equity €251k €210k
better than 53% of 309 sector peers
Gross operating margin €118k €83k
better than 60% of 256 sector peers
Total assets €2.52M €706k
better than 66% of 309 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2025
Depositvolledig
Revenue-
EBITDA€118k
Net profit€31k
Cash flow€31k
Staff costs-
Income taxes€10k
Dividends-
Total assets€2.52M
Equity€251k
Debt€2.27M
of which ≤ 1y€591k
of which > 1y€1.68M
Working capital€-573k
Employees (FTE)-
Ratios (computed)
2025
Current ratio0.03
Quick ratio0.03
Working capital ratio-22.7%
Solvency9.9%
Debt / equity9.05
Long-term debt ratio6.70
Interest coverage1.54
Gross margin-
Net margin-
ROA1.2%
ROE12.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€2.52M
Fixed assets 21/28€2.50M
Formation expenses 20€1k
Financial fixed assets 28€2.50M
Current assets 29/58€18k
Amounts receivable within one year 40/41€15k
Cash & bank 54/58€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€2.52M
Equity 10/15€251k
Contributions / capital 10/11€220k
Reserves 13€2k
Accumulated profits (losses) 14€29k
Amounts payable 17/49€2.27M
Amounts payable after one year 17€1.68M
Amounts payable within one year 42/48€591k
Trade debts payable within one year 44€8k
Income statement
Gross operating margin 9900€118k
Operating result 9901€117k
Financial income 75€0
Financial charges 65€76k
Result before taxes 9903€41k
Income taxes 67/77€10k
Net result for the period 9904€31k
Result to be appropriated 9905€31k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
38 / 100 Weak
050100
Computed from 4 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 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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 Station 131300 Wavre

Establishment units

1 location
Rue de la Station 13, 1300 Wavre
Holdings
since 20242.366.859.782
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1.1 ha
Buildings1
Building footprint2,935 m²
Volume (LiDAR)24,097 m³
Tallest building10.9 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25055C0543/00T000 Wallonia 1.1 ha 1 · 2,935 m² 10.9 m · 3 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

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

4 acts
Capital history · 1
09-12-2025
v3.2
All acts · 4 updated 3 months ago
2026
05-05-2026 Publication in the Belgian Official Gazette, Miscellaneous Miscellaneous·Jean Sébastien Lambin
Summary: Fusion proposalNotary: Jean Sébastien Lambin · SambrevilleFirm: LP & Co, Notaires associés
2025
09-12-2025 Transaction in capital or shares Capital & shares
Summary: v3.2
28-04-2025 Change in the board of directors Director changes
Summary: v3.2
2024
25-11-2024 Incorporation of a new SNC Incorporation
Summary: oprichting

Analysis

Financial profile

4 of 5 axes measured
Health38Profitability61Solvency7Growth-Stability67
43 / 100

Fragile profile, watch solvency in particular.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 38
Profitability 61
Solvency 7
Growth -
Stability 67

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 15,460 of the 82,029 companies in this sector. 11,221 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
Legal nameFR VAYAM
Registered office
Rue de la Station 13
1300 Wavre, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.