Cyra

Active

Private limited companyfounded 20215 yrs activeSpoorweglaan 197, 2610 Antwerpen, BelgiumKBO/BCE: BE 0770.757.149

The computed 12-month bankruptcy probability of Cyra is 1.7% (moderate). The 2025 annual accounts show equity of €38k and a net result of €17k. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 45% of 18120 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

63 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability85▲+78

Solvency54▲+11

Growth52=

Track record94

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity tight (current ratio 1.32 against 1.12 in 2024; short-term debt: 67% and cash: 35.2% of total assets), and 71.2% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

28.8%

Return on assets

13.1%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

9 d early

2024

77 d late

2023

217 d late

2022

4 d early

← before the deadline after the deadline →

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 months

Position in the running window

18-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€38k▲ 82.8%

2024 · €21k

2022: €20k 2023: €32k 2024: €21k

2022 → 2025

Total assets

€132k▲ 13.4%

2024 · €116k

2022: €170k 2023: €105k 2024: €116k

2022 → 2025

Net result

€17k

2024 · €-11k

2022: €19k 2023: €11k 2024: €-11k

2022 → 2025

Working capital

€28k▲ 216%

2024 · €9k

2022: €4k 2023: €18k 2024: €9k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€20k-€32k▲ 56.2%€21k▼ 34.9%€38k▲ 82.8%

Operating result€32k-€18k▼ 43.3%€-24k€23k

Net result€19k-€11k▼ 40.9%€-11k€17k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2025: €23k after a loss of €24k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €132k

12%

88.4%

Fixed assets €15k▼ 49.9%

Current assets €117k▲ 35.9%

Equity and liabilities €132k

28.8%

71.2%

Equity €38k▲ 82.8%

Debt €94k▼ 1.7%

The debt ratio falls from 82.1% to 71.2%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€39k▲

2024 · €-9k

Cash flow

€32k▲

2024 · €4k

Solvency

28.8%▲

2024 · 17.9%

Current ratio

1.32▲

2024 · 1.12

Quick ratio

0.74▲

2024 · 0.63

Debt / equity

2.47▼

2024 · 4.59

ROE

45.3%▲

2024 · -53.6%

ROA

13.1%▲

2024 · -9.6%

Interest coverage

80.72▲

2024 · -15.26

Debt

€94k▼

2024 · €96k

Debt ≤ 1 year

€88k▲

2024 · €77k

Debt > 1 year

€6k▼

2024 · €19k

Income taxes

€6k▲

2024 · €-14k

Staff costs

€34k▲

2024 · €33k

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 · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€116k€132k▲

Fixed assets21/28€31k€15k▼

Tangible fixed assets22/27€24k€8k▼

Plant, machinery and equipment23€437€313▼

Furniture and vehicles24€23k€8k▼

Financial fixed assets28€7k€7k=

Current assets29/58€86k€117k▲

Stocks and contracts in progress3€37k€52k▲

Stocks30/36€37k€52k▲

Amounts receivable within one year40/41€15k€16k▲

Trade receivables40€6k€13k▲

Other amounts receivable41€9k€3k▼

Cash at bank and in hand54/58€34k€46k▲

Deferred charges and accrued income490/1€38€3k▲

Equity and liabilities

Total equity and liabilities10/49€116k€132k▲

Equity10/15€21k€38k▲

Contributions10/11€1k€1k=

Reserves13€19k€19k=

Distributable reserves133€19k€19k=

Profit (loss) carried forward14€345€18k▲

Amounts payable17/49€96k€94k▼

Amounts payable after more than one year17€19k€6k▼

Financial debts170/4€19k€6k▼

Amounts payable within one year42/48€77k€88k▲

Current portion of amounts payable after more than one year42€13k€13k▲

Trade debts44€13k€17k▲

Suppliers440/4€13k€17k▲

Taxes, remuneration and social security45€10k€15k▲

Taxes450/3€10k€13k▲

Remuneration and social security454/9-€2k

Other amounts payable47/48€41k€43k▲

Income statement Code20242025

Remuneration, social security and pensions62€33k€34k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k=

Other operating charges640/8€2k€3k▲

Gross operating margin9900€25k€76k▲

Operating profit (loss)9901€-24k€23k▲

Financial income75/76B€29€8▼

Recurring financial income75€29€8▼

Financial charges65/66B€606€478▼

Recurring financial charges65€606€478▼

Profit (loss) for the period before taxes9903€-25k€23k▲

Income taxes67/77€-14k€6k▲

Profit (loss) for the period9904€-11k€17k▲

Profit (loss) for the period to be appropriated9905€-11k€17k▲

Appropriation of the result

Profit (loss) to be appropriated9906€345€18k▲

Profit (loss) brought forward from the previous period14P€11k€345▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

22-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Back to profitnet €17k

Net result €17k after one loss-making year.

16-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 77 days late

05-03

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 217 days late

2024

31-12

Financial Weakest financial yearnet €-11k ▼197%

Net result drops to €-11k, the lowest in the series; recovery starts the following year.

2023

27-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

6 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, Antwerpen · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Spoorweglaan 1972610 Antwerpen

Ground area

969 m²

Building footprint

292 m²

Volume, LiDAR

1,583 m³

2 parcels, Flanders · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Cyra

Boniverlei 258, 2650 EdegemRetail trade

since 20212.319.567.829

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11472B0211/00E003	Flanders	666 m²	1 · 171 m²	6.9 m · 2 fl.
11051C0229/00K007	Flanders	303 m²	1 · 121 m²	9.4 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.

Public money · subsidies and aid

Flemish government

2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid

Year	Entries	awarded	paid
2024	1	2,000 EUR	2,000 EUR

Schemes

Hinderpremie bij openbare werken

1 entry · 2,000 EUR · 2,000 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Sint-Lambrechts-Woluwe · Eq €38k

ERCUL

BE 0755.925.750

Sint-Pieters-Leeuw · Eq €38k

Of 1,266 companies in sector 47300 we hold annual accounts for 946. 664 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded05-07-2021

Fiscal year end31-12

Activities, NACEBEL

47110Non-specialised retail sale with food, beverages or tobacco predominating

47112Retail trade

47300Retail sale of automotive fuel

47113Retail trade

47252Retail sale of beverages, general range

47260Retail trade

47620Retail trade

47621Retail sale of newspapers and periodicals

47789Other retail sale of new goods

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.