MAYA CHR
ActiveSummary
MAYA CHR has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49k and a net result of €8k. Equity is growing by ~41.4% per year across the filed fiscal years. Its solvency ranks better than 44% of 1901 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-20
Solvency73▲+9
Growth52▼-26
Track record82
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 0.75 in 2024; short-term debt: 51.6% and cash: 38.6% of total assets), and 51.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← 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
48.4%
Return on assets
8.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-04-2026, 92 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
92 d early
2024
43 d early
2023
33 d early
← 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
Equity
€49k▲ 20.5%
2024 · €40k
2023: €15k
2024: €40k
2023 → 2025
Total assets
€101k▼ 3.8%
2024 · €105k
2023: €90k
2024: €105k
2023 → 2025
Net result
€8k▼ 67.0%
2024 · €25k
2023: €13k
2024: €25k
2023 → 2025
Working capital
€1k
2024 · €-16k
2023: €-51k
2024: €-16k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€15k-€40k▲ 165%€49k▲ 20.5%
Operating result€18k-€32k▲ 79.7%€11k▼ 64.3%
Net result€13k-€25k▲ 89.4%€8k▼ 67.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 64% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101k
Fixed assets
€47k ▼ 15.9%
Current assets
€53k ▲ 10.2%
Equity and liabilities €101k
Equity
€49k ▲ 20.5%
Debt
€52k ▼ 19.2%
Debt's share of the balance-sheet total falls from 61.4% to 51.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€22k▼
2024 · €42k
Cash flow
€19k▼
2024 · €35k
Current ratio
1.02▲
2024 · 0.75
Debt to equity
1.07▼
2024 · 1.59
ROE
17.0%▼
2024 · 62.2%
ROA
8.2%▼
2024 · 24.0%
Interest coverage
252.12▼
2024 · 3212.50
Debt ≤ 1 year
€52k▼
2024 · €64k
Income taxes
€3k▼
2024 · €7k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€105k€101k▼
Fixed assets21/28€56k€47k▼
Tangible fixed assets22/27€56k€47k▼
Furniture and vehicles24€27k€21k▼
Other tangible fixed assets26€30k€26k▼
Current assets29/58€48k€53k▲
Amounts receivable within one year40/41€8k€14k▲
Trade receivables40€8k€13k▲
Other amounts receivable41-€189
Current investments50/53€10k€0▼
Cash at bank and in hand54/58€30k€39k▲
Deferred charges and accrued income490/1€440€854▲
Equity and liabilities
Total equity and liabilities10/49€105k€101k▼
Equity10/15€40k€49k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€38k€47k▲
Amounts payable17/49€64k€52k▼
Amounts payable within one year42/48€64k€52k▼
Trade debts44€379€900▲
Suppliers440/4€379€900▲
Advances received on contracts in progress46€218€145▼
Taxes, remuneration and social security45€10k€13k▲
Taxes450/3€10k€13k▲
Other amounts payable47/48€54k€38k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€945€1k▲
Gross operating margin9900€43k€23k▼
Operating profit (loss)9901€32k€11k▼
Financial income75/76B€0€214▲
Recurring financial income75€0€214▲
Financial charges65/66B€13€87▲
Recurring financial charges65€13€87▲
Profit (loss) for the period before taxes9903€32k€12k▼
Income taxes67/77€7k€3k▼
Profit (loss) for the period9904€25k€8k▼
Profit (loss) for the period to be appropriated9905€25k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€47k▲
Profit (loss) brought forward from the previous period14P€13k€38k▲
The notes to these accounts (8 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €8k ▼67%
Net result drops to €8k, the lowest in the series.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €25k ▲89.4%
Operating result €32k, net result €25k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Temse · 1 establishment unit since 2023
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.
Steenweg Hulst-Lessen 119140 TemseGround area
914 m²
Building footprint
144 m²
Volume, LiDAR
699 m³
Parcel 46008A0233/00V002, Flanders · tallest building 8.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Diamond Coaching & HR
since 20232.351.556.053
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46008A0233/00V002 | Flanders | 914 m² | 1 · 144 m² | 8.4 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
2023 · 1 entry · 1,980 EUR awarded · 1,980 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,980 EUR | 1,980 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
LIF
BE 0767.863.282
Antwerpen · Eq €48,708
JUSTMI
BE 1007.591.557
Oostkamp · Eq €48,853
KVANTESPRANG KVADRAT
BE 0722.628.719
Oudenaarde · Eq €48,912
Concept Studio
BE 1011.822.143
Tremelo · Eq €48,608
Line Albertina
BE 0783.662.406
Beveren-Kruibeke-Zwijndrecht · Eq €48,515
Of 3,152 companies in sector 63920 we hold annual accounts for 1,523. 1,229 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
Founded26-10-2023
Fiscal year end31-12
Trade name NL
Diamond Coaching & HR
Activities, NACEBEL 2025
63920Other information service activities
78100Employment placement agencies
78200Temporary employment agencies and other provision of personnel
85592Vocational training
85599Other education
85699Other educational support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.