MNAYIS
ActiveThe computed 12-month bankruptcy probability of MNAYIS is 2.8% (moderate). The 2024 annual accounts show negative equity (€-32k) and a net result of €3k. Equity is shrinking by ~23.7% per year across the filed fiscal years. Its solvency ranks better than 27% of 6159 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency49▲+2
Growth58=
Stability100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.19 against 1.11 in 2023), and equity is negative.
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-11.3%
Return on assets
1.2%
Age of the figures
20 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-09-2025, 42 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
42 d late
2023
28 d late
2022
31 d late
2021
60 d late
2020
59 d late
2019
97 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-32k▲ 7.3%
2023 · €-34k
2018: €-13k
2019: €144
2020: €-18k
2021: €-8k
2022: €-41k
2023: €-34k
2018 → 2024
Total assets
€280k▲ 0.2%
2023 · €280k
2018: €162k
2019: €183k
2020: €141k
2021: €214k
2022: €237k
2023: €280k
2018 → 2024
Net result
€3k▼ 57.5%
2023 · €8k
2018: €-28k
2019: €14k
2020: €-18k
2021: €6k
2022: €-32k
2023: €8k
2018 → 2024
Working capital
€25k▲ 114%
2023 · €12k
2018: €-111k
2019: €-115k
2020: €-90k
2021: €-92k
2022: €-165k
2023: €12k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-18k-€-8k▲ 56.0%€-41k▼ 413%€-34k▲ 17.0%€-32k▲ 7.3%
Operating result€-38k-€-8k▲ 79.3%€-31k▼ 299%€2k€-3k
Net result€-18k-€6k€-32k€8k€3k▼ 57.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €3k after €2k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €280k
Fixed assets
€123k▼ 22.3%
Current assets
€158k▲ 29.4%
Key figures and ratios
EBITDA
€38k▼
2023 · €47k
Cash flow
€44k▼
2023 · €53k
Solvency
-11.3%▲
2023 · -12.2%
Current ratio
1.19▲
2023 · 1.11
Quick ratio
0.96▲
2023 · 0.78
Debt / equity
-9.85▼
2023 · -9.19
ROE
-10.6%▲
2023 · -23.1%
ROA
1.2%▼
2023 · 2.8%
Interest coverage
5.50▼
2023 · 9.55
Debt
€312k▼
2023 · €314k
Debt ≤ 1 year
€133k▲
2023 · €110k
Debt > 1 year
€179k▼
2023 · €204k
Income taxes
€396▼
2023 · €499
Staff costs
€12k▼
2023 · €42k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€280k€280k▲
Fixed assets21/28€158k€123k▼
Intangible fixed assets21€20k€14k▼
Tangible fixed assets22/27€129k€97k▼
Furniture and vehicles24€45k€29k▼
Leasing and similar rights25€2k€0▼
Other tangible fixed assets26€82k€68k▼
Financial fixed assets28€9k€12k▲
Current assets29/58€122k€158k▲
Stocks and contracts in progress3€36k€30k▼
Stocks30/36€36k€30k▼
Amounts receivable within one year40/41€57k€71k▲
Trade receivables40€55k€53k▼
Other amounts receivable41€2k€18k▲
Cash at bank and in hand54/58€29k€48k▲
Deferred charges and accrued income490/1-€9k
Equity and liabilities
Total equity and liabilities10/49€280k€280k▲
Equity10/15€-34k€-32k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Profit (loss) carried forward14€-60k€-56k▲
Investment grants15€7k€6k▼
Amounts payable17/49€314k€312k▼
Amounts payable after more than one year17€204k€179k▼
Financial debts170/4€204k€179k▼
Amounts payable within one year42/48€110k€133k▲
Current portion of amounts payable after more than one year42€27k€24k▼
Trade debts44€37k€70k▲
Suppliers440/4€37k€70k▲
Taxes, remuneration and social security45€27k€469▼
Taxes450/3€12k€469▼
Remuneration and social security454/9€15k-
Other amounts payable47/48€19k€38k▲
Income statement
Code20232024
Remuneration, social security and pensions62€42k€12k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€41k▼
Other operating charges640/8€8k€11k▲
Gross operating margin9900€96k€61k▼
Operating profit (loss)9901€2k€-3k▼
Financial income75/76B€11k€14k▲
Recurring financial income75€11k€14k▲
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€8k€4k▼
Income taxes67/77€499€396▼
Profit (loss) for the period9904€8k€3k▼
Profit (loss) for the period to be appropriated9905€8k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-60k€-56k▲
Profit (loss) brought forward from the previous period14P€-68k€-60k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 42 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.11
Current ratio from 0.34 to 1.11; short-term debt falls from €250k to €110k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-32k ▼620%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 59 days late
2020
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 97 days late
2019
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 8 days late
2016
26-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Anderlecht · 4 establishment units since 2015
Ground area
873 m²
Building footprint
746 m²
Volume, LiDAR
4,774 m³
2 parcels, Brussels, Flanders · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
4 establishment units
MATHIEU NAYIS
since 20152.240.762.158
MATHIEU NAYIS
since 20182.281.525.716
MATHIEU NAYIS
since 20202.300.679.355
MATHIEU NAYIS
since 20262.383.960.585
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B0336/00V002 | Flanders | 553 m² | 1 · 615 m² | 7.7 m · 2 fl. |
| 21308H0389/00L002 | Brussels | 321 m² | 1 · 131 m² | 15.0 m · 4 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.
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Of 21,677 companies in sector 96210 we hold annual accounts for 2,809. 245 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-01-2015
Fiscal year end31-12
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.