What does AY FINANCE do?

AY FINANCE is filed with the CBE under the catch-all “Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen”, a code that says little about what the company actually does. Private Limited, started on 11 February 2010, 1 establishment.

What is the address of AY FINANCE?

The registered office of AY FINANCE is located at Sint-Salvatorstraat 76 box A, 9000 Gent.

Is AY FINANCE still active?

Yes. According to the CBE (31 October 2026) AY FINANCE is active, legal situation “Normale toestand”, started on 11 February 2010.

Is AY FINANCE registered on Peppol?

Yes, AY FINANCE is registered on the Peppol network with ID 0208:0823099438.

What is the enterprise number of AY FINANCE?

The enterprise number of AY FINANCE is BE0823099438.

When was AY FINANCE founded?

AY FINANCE was founded on 11 February 2010.

Who are the directors of AY FINANCE?

According to the 2025 annual accounts, the directors of AY FINANCE are: Sevgi Malcikan.

Is AY FINANCE a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 11 February 2010; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account.

How much profit did AY FINANCE make in 2025?

AY FINANCE posted a profit after taxes of € 207,134 in financial year 2025.

What is the revenue of AY FINANCE?

As a small company, AY FINANCE is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 582,078.

Does AY FINANCE have a website?

Yes, AY FINANCE has a website at ayfinance.be.

AY FINANCE (Private Limited) - Gent - BE0823099438

Dossier AY FINANCE, printed on 1 November 2026 from databakkes.be/en/0823099438/ay-finance. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

AY FINANCE from Gent, company number BE0823099438, closed financial year 2025 with a result of € 207,134 after tax. For that financial year AY FINANCE recorded a gross margin of € 582,078 and equity of € 2 million. Compared with financial year 2024, the result moved from € 328,992 to € 207,134. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on September 30, 2026.

What it is worth Growing

€ 2 million

▲ 12% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Healthy

€ 207,134

▼ 37% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 278,486

▼ 35% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 833 paid out

0 % of the profit went to the shareholders, the rest stayed in the company.

People and assets in 2025

Wage cost

€ 27,250

▼ 52% vs 2024

Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Vehicles and equipment

€ 13,915

▼ 37% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 11 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 748,091

▼ 9% vs 2024

€ 66,185 is repaid this year. At this pace the long-term loan is gone in ≈ 11 years.

Owed to suppliers

€ 1,575

▼ 99% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 288,694

▲ 4% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 505,101 Gross margin 2022: € 505,101 First fiscal year in the series	€ 721,298 Gross margin 2023: € 721,298 ▲ 43% vs 2022 (€ 505,101) Favourable step	€ 678,179 Gross margin 2024: € 678,179 ▼ 6% vs 2023 (€ 721,298) Unfavourable step	€ 582,078 Gross margin 2025: € 582,078 ▼ 14% vs 2024 (€ 678,179) Unfavourable step	▼ 14%
Profit after taxes	€ 257,601 Profit after taxes 2022: € 257,601 First fiscal year in the series	€ 412,136 Profit after taxes 2023: € 412,136 ▲ 60% vs 2022 (€ 257,601) Favourable step	€ 328,992 Profit after taxes 2024: € 328,992 ▼ 20% vs 2023 (€ 412,136) Unfavourable step	€ 207,134 Profit after taxes 2025: € 207,134 ▼ 37% vs 2024 (€ 328,992) Unfavourable step	▼ 37%
Equity	€ 1,023,392 Equity 2022: € 1,023,392 First fiscal year in the series	€ 1,435,528 Equity 2023: € 1,435,528 ▲ 40% vs 2022 (€ 1,023,392) Favourable step	€ 1,764,519 Equity 2024: € 1,764,519 ▲ 23% vs 2023 (€ 1,435,528) Favourable step	€ 1,970,820 Equity 2025: € 1,970,820 ▲ 12% vs 2024 (€ 1,764,519) Favourable step	▲ 12%
Total debts	€ 346,004 Total debts 2022: € 346,004 First fiscal year in the series	€ 257,849 Total debts 2023: € 257,849 ▼ 25% vs 2022 (€ 346,004) Favourable step	€ 1,261,834 Total debts 2024: € 1,261,834 ▲ € 1 million vs 2023 (€ 257,849) Unfavourable step	€ 1,040,693 Total debts 2025: € 1,040,693 ▼ 18% vs 2024 (€ 1,261,834) Favourable step	▼ 18%
Cash	€ 878,472 Cash 2022: € 878,472 First fiscal year in the series	€ 121,300 Cash 2023: € 121,300 ▼ 86% vs 2022 (€ 878,472) Unfavourable step	€ 430,485 Cash 2024: € 430,485 ▲ 255% vs 2023 (€ 121,300) Favourable step	€ 278,486 Cash 2025: € 278,486 ▼ 35% vs 2024 (€ 430,485) Unfavourable step	▼ 35%
Land & buildings	€ 191,549 Land & buildings 2022: € 191,549 First fiscal year in the series	€ 169,133 Land & buildings 2023: € 169,133 ▼ 12% vs 2022 (€ 191,549) Unchanged	€ 1,016,256 Land & buildings 2024: € 1,016,256 ▲ € 847,124 vs 2023 (€ 169,133) Unchanged	€ 1,244,357 Land & buildings 2025: € 1,244,357 ▲ 22% vs 2024 (€ 1,016,256) Unchanged	▲ 22%
Retained profit	€ 1,021,392 Retained profit 2022: € 1,021,392 First fiscal year in the series	€ 1,433,528 Retained profit 2023: € 1,433,528 ▲ 40% vs 2022 (€ 1,021,392) Favourable step	€ 1,762,519 Retained profit 2024: € 1,762,519 ▲ 23% vs 2023 (€ 1,433,528) Favourable step	€ 1,968,820 Retained profit 2025: € 1,968,820 ▲ 12% vs 2024 (€ 1,762,519) Favourable step	▲ 12%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 0 Dividend 2023: € 0 Unchanged (€ 0) Unchanged	€ 0 Dividend 2024: € 0 Unchanged (€ 0) Unchanged	€ 833 Dividend 2025: € 833 Unchanged (€ 0) Unchanged
Bank debt	€ 81,361 Bank debt 2022: € 81,361 First fiscal year in the series	€ 86,815 Bank debt 2023: € 86,815 ▲ 7% vs 2022 (€ 81,361) Unfavourable step	€ 822,172 Bank debt 2024: € 822,172 ▲ € 735,357 vs 2023 (€ 86,815) Unfavourable step	€ 748,091 Bank debt 2025: € 748,091 ▼ 9% vs 2024 (€ 822,172) Favourable step	▼ 9%
Balance sheet total	€ 1,369,396 Balance sheet total 2022: € 1,369,396 First fiscal year in the series	€ 1,693,377 Balance sheet total 2023: € 1,693,377 ▲ 24% vs 2022 (€ 1,369,396) Unchanged	€ 3,026,353 Balance sheet total 2024: € 3,026,353 ▲ 79% vs 2023 (€ 1,693,377) Unchanged	€ 3,011,513 Balance sheet total 2025: € 3,011,513 Unchanged (€ 3,026,353) Unchanged

Key figures of AY FINANCE, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.

What happened to AY FINANCE?

What happened at AY FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Sep 30, 2026 New annual accounts for financial year 2025: profit of € 207,134 (▼ 37% vs 2024). filed late Source: NBB ↗
Feb 11, 2010 New establishment in Gent. KBO
Feb 11, 2010 Start of the company according to the CBE. KBO

In short

From € 257,601 profit in 2022 to € 207,134 profit in 2025.

Paid € 555,112 in corporate taxes since 2022.

Best year ever: 2023, with € 412,136 profit.

Paid out € 833 in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

Sevgi Malcikan

AY FINANCE

Behind AY FINANCE is Sevgi Malcikan.

Directors

According to the 2025 annual accounts

Sevgi Malcikan

Director

Establishments

Establishment units

Physical locations of this company

Registered office

Sint-Salvatorstraat 76 box A

9000 Gent

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.

All companies at this address →

A&V GROUP

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Website

HTTPS ayfinance.be

Technologies

ASP.NETBootstrapIISLightboxPHPSlickjQuery

Hosting & Email

Email provider

Barracuda

Hosting

BELGACOM Proximus Customer Edge-Network, BE

Website info

HTTPS Ja

Languages FR

Features

Security

✓ HTTPS

✓ SPF

✓ DMARC

Details

Company number: 0823.099.438
VAT number: BE 0823.099.438
Registered office: Sint-Salvatorstraat 76 bus A, 9000 Gent
Names & denominations: AY FINANCE
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 11 February 2010
Peppol: Active · Active since 31 Dec 2025
Contact: ayfinance.be
Activities · NACE: Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen

View on CBE Public ↗ Annual accounts (NBB) ↗