KOYMOS-GESTION
ActiveThe file of KOYMOS-GESTION contains 1 historical bankruptcy publication, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 0.5% (low). The 2025 annual accounts show equity of €496k and a net result of €-43k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 80% of 688 sector peers (fiscal year 2025).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▲+2
Solvency88▼-5
Growth35=
Track record85
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days only on tighter terms
Liquidity ample (current ratio 5.62 against 0.2 in 2024; short-term debt: 0.4% and cash: 1.5% of total assets), and 37.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-43k
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
2 d early
2023
30 d early
2022
5 d early
2021
12 d early
2020
54 d late
2019
53 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€43k▼ 12.2%
2018 · €49k
2018: €49k
2018 → 2019
EBIT margin
47.2%▲ 16.3pp
2018 · 30.9%
2018: 30.9%
2018 → 2019
Net result
€-43k▲ 19.9%
2024 · €-54k
2018: €6k
2019: €11k
2020: €18k
2021: €-17k
2022: €-43k
2023: €-34k
2024: €-54k
2018 → 2025
Working capital
€16k
2024 · €-58k
2018: €-119k
2019: €-114k
2020: €-31k
2021: €-33k
2022: €-6k
2023: €-92k
2024: €-58k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€584k-€633k▲ 8.4%€599k▼ 5.4%€539k▼ 10.0%€496k▼ 8.0%
Operating result€-12k-€-41k▼ 246%€-26k▲ 35.9%€-58k▼ 118%€-29k▲ 50.1%
Net result€-17k-€-43k▼ 150%€-34k▲ 21.0%€-54k▼ 57.1%€-43k▲ 19.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €29k in 2025 against €58k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €789k
Fixed assets
€770k▼ 0.9%
Current assets
€19k▲ 29.7%
Equity and liabilities €789k
Equity
€496k▼ 8.0%
Debt
€293k▲ 16.1%
The debt ratio rises from 31.9% to 37.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-17k▲
2024 · €-47k
Cash flow
€-32k▲
2024 · €-43k
Solvency
62.8%▼
2024 · 68.1%
Current ratio
5.62▲
2024 · 0.20
Quick ratio
4.26▲
2024 · 0.14
Debt / equity
0.59▲
2024 · 0.47
ROE
-8.7%▲
2024 · -10.0%
ROA
-5.5%▲
2024 · -6.8%
Interest coverage
-1.20▲
2024 · -20.14
Debt
€293k▲
2024 · €253k
Debt ≤ 1 year
€3k▼
2024 · €73k
Debt > 1 year
€278k▲
2024 · €180k
Staff costs
€42▲
2024 · €0
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€792k€789k▼
Fixed assets21/28€777k€770k▼
Tangible fixed assets22/27€777k€770k▼
Land and buildings22€771k€763k▼
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€4k€4k▼
Financial fixed assets28€250€250=
Current assets29/58€15k€19k▲
Stocks and contracts in progress3€5k€5k=
Stocks30/36€5k€5k=
Amounts receivable within one year40/41€8k€2k▼
Trade receivables40€5k€233▼
Other amounts receivable41€4k€2k▼
Cash at bank and in hand54/58€2k€12k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€792k€789k▼
Equity10/15€539k€496k▼
Contributions10/11€183k€183k=
Revaluation surpluses12€487k€487k=
Profit (loss) carried forward14€-131k€-174k▼
Investment grants15€0-
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Other liabilities and charges164/5€0-
Amounts payable17/49€253k€293k▲
Amounts payable after more than one year17€180k€278k▲
Financial debts170/4€180k€278k▲
Amounts payable within one year42/48€73k€3k▼
Current portion of amounts payable after more than one year42€0-
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€9k€887▼
Suppliers440/4€9k€887▼
Advances received on contracts in progress46€62k€0▼
Taxes, remuneration and social security45€0€87▲
Taxes450/3-€87
Remuneration and social security454/9€0-
Other amounts payable47/48€2k€2k▲
Accrued charges and deferred income492/3€0€12k▲
Income statement
Code20242025
Remuneration, social security and pensions62€0€42▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-5k€0▲
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€-49k€-15k▲
Operating profit (loss)9901€-58k€-29k▲
Financial income75/76B€6k€24▼
Recurring financial income75€6k€24▼
Financial charges65/66B€2k€14k▲
Recurring financial charges65€2k€14k▲
Profit (loss) for the period before taxes9903€-54k€-43k▲
Profit (loss) for the period9904€-54k€-43k▲
Profit (loss) for the period to be appropriated9905€-54k€-43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-131k€-174k▼
Profit (loss) brought forward from the previous period14P€-77k€-131k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (21 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Liquidity times 28current ratio 5.62
Current ratio from 0.20 to 5.62; short-term debt falls from €73k to €3k.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-54k
Net result drops to €-54k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-10
Bankruptcy
Judicial dissolution
Tribunal de l’entreprise du Hainaut, division Charleroi · NATURIA - ECOCAMP DE CHIMAY SC- RUE DE BAILIEVRE 1/B, 6460 CHIMAY
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €500kEq €584k ▲1421%
Equity rises from €38k to €584k.
23-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 54 days late
2020
31-12
Financial
Highest result since 2018net €18k ▲66.9%
Operating result €26k, net result €18k, both a record.
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
09-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 40 days late
2018
03-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 64 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
08-01-2025
de FOY Tanguy Marie Paul Jean Joseph Ghislain: Resigned as Director
08-01-2025
GOSSELET Bernard Robert Maurice Théodule: Resigned as Director
08-01-2025
QUINET Sophie Geneviève Geraldine: Resigned as Director
26-06-2023
Jacques AMULIUS: Resigned as Director
26-06-2023
Martin Wauthy: Resigned as Director
30-03-2023
Vanessa QUAEDPEERDS: Resigned as Director
17-10-2022
Tanja Spori: Resigned as Director
10-09-2022
Tanguy de Foy: Resigned as Director
09-04-2021
Olivier Caeymaex: Resigned as Director
Location & real-estate footprint
Registered office, Chimay · 1 establishment unit since 2005
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 Bailièvre(ROB) 16460 ChimayGround area
877 m²
Building footprint
189 m²
Volume, LiDAR
1,029 m³
Parcel 56065B0323/00F000, Wallonia · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NATURIA
since 20052.149.875.237
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56065B0323/00F000indicative | Wallonia | 877 m² | 1 · 189 m² | 6.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 441 companies in sector 55300 we hold annual accounts for 292. 253 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-10-2005
Fiscal year end31-12
Abbreviation FR
NATURIA
Activities, NACEBEL
55220
55300Accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
5 entriesWebsite:www.naturia-chimay.be
E-mail:info@naturia-chimay.be
Phone:+32 492 48 07 51
E-mail:campingnaturia@gmail.com
E-mail:koymosgestion@gmail.com