NAEYE RONNICK
ActiveThe computed 12-month bankruptcy probability of NAEYE RONNICK is 3.2% (moderate). The 2025 annual accounts show negative equity (€-52k) and a net result of €-195k. Equity is shrinking by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 5% of 7760 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
21
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-59
Solvency14▼-33
Growth32=
Track record100
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.86 against 1.21 in 2024; short-term debt: 110.5% and cash: 6.1% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
-11.3%
Return on assets
-42.3%
Age of the figures
15 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year €-52k
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-02-2026, 19 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 · 5 filingsDeviation from the deadline
2025
19 d late
2024
15 d early
2023
23 d early
2022
43 d early
2021
21 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-52k
2024 · €143k
2021: €146k
2022: €164k
2023: €142k
2024: €143k
2021 → 2025
Total assets
€461k▼ 30.1%
2024 · €659k
2021: €644k
2022: €808k
2023: €816k
2024: €659k
2021 → 2025
Net result
€-195k
2024 · €1k
2021: €141k
2022: €18k
2023: €-23k
2024: €1k
2021 → 2025
Working capital
€-73k
2024 · €104k
2021: €97k
2022: €105k
2023: €84k
2024: €104k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€146k-€164k▲ 12.4%€142k▼ 13.8%€143k▲ 0.8%€-52k
Operating result€183k-€23k▼ 87.2%€-22k€16k€-195k
Net result€141k-€18k▼ 87.2%€-23k€1k€-195k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €195k after €16k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €461k
Fixed assets
€25k▼ 48.7%
Current assets
€436k▼ 28.7%
Key figures and ratios
EBITDA
€-171k▼
2024 · €50k
Cash flow
€-172k▼
2024 · €35k
Solvency
-11.3%▼
2024 · 21.7%
Current ratio
0.86▼
2024 · 1.21
Quick ratio
0.62▼
2024 · 0.81
Debt / equity
-9.82▼
2024 · 3.62
ROA
-42.3%▼
2024 · 0.2%
Interest coverage
-26.68▼
2024 · 4.82
Debt
€513k▼
2024 · €516k
Debt ≤ 1 year
€509k▲
2024 · €507k
Debt > 1 year
€4k▼
2024 · €9k
Income taxes
€151▼
2024 · €2k
Staff costs
€181k▲
2024 · €162k
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€659k€461k▼
Fixed assets21/28€48k€25k▼
Intangible fixed assets21€1€0▼
Tangible fixed assets22/27€48k€25k▼
Plant, machinery and equipment23€21k€11k▼
Furniture and vehicles24€8k€1k▼
Leasing and similar rights25€17k€10k▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€611k€436k▼
Amounts receivable after more than one year29€225k€225k=
Other amounts receivable291€225k€225k=
Stocks and contracts in progress3€203k€122k▼
Stocks30/36€119k€67k▼
Contracts in progress37€85k€55k▼
Amounts receivable within one year40/41€154k€53k▼
Trade receivables40€140k€48k▼
Other amounts receivable41€14k€6k▼
Cash at bank and in hand54/58€20k€28k▲
Deferred charges and accrued income490/1€9k€7k▼
Equity and liabilities
Total equity and liabilities10/49€659k€461k▼
Equity10/15€143k€-52k▼
Contributions10/11€5k€5k=
Reserves13€138k€0▼
Distributable reserves133€138k€0▼
Profit (loss) carried forward14€0€-57k▼
Amounts payable17/49€516k€513k▼
Amounts payable after more than one year17€9k€4k▼
Financial debts170/4€9k€4k▼
Amounts payable within one year42/48€507k€509k▲
Current portion of amounts payable after more than one year42€11k€6k▼
Financial debts43€125k€125k=
Credit institutions430/8€125k€125k=
Trade debts44€344k€352k▲
Suppliers440/4€344k€352k▲
Taxes, remuneration and social security45€11k€9k▼
Taxes450/3€3k€1k▼
Remuneration and social security454/9€8k€8k▼
Other amounts payable47/48€15k€17k▲
Accrued charges and deferred income492/3€52€333▲
Income statement
Code20242025
Non-recurring operating income76A€8k€0▼
Remuneration, social security and pensions62€162k€181k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€24k▼
Other operating charges640/8€585€1k▲
Gross operating margin9900€213k€11k▼
Operating profit (loss)9901€16k€-195k▼
Financial income75/76B€7k€7k▼
Recurring financial income75€7k€7k▼
Financial charges65/66B€20k€7k▼
Recurring financial charges65€10k€6k▼
Non-recurring financial charges66B€9k€152▼
Profit (loss) for the period before taxes9903€3k€-195k▼
Income taxes67/77€2k€151▼
Profit (loss) for the period9904€1k€-195k▼
Profit (loss) for the period to be appropriated9905€1k€-195k▼
Appropriation of the result
Profit (loss) to be appropriated9906€138k€-195k▼
Profit (loss) brought forward from the previous period14P€137k€0▼
Transfer from equity791/2-€138k
Transfer to equity691/2€138k€0▼
To other reserves6921€138k€0▼
Social balance
Average headcount (FTE)90873.02.5▼
The notes to these accounts (15 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
19-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
2025
30-06
Financial
Weakest financial yearnet €-195k ▼18180%
Net result drops to €-195k, the lowest in the series.
16-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
08-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Equity above €150kEq €164k ▲12.4%
2 profitable years in a row build equity to €164k.
10-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated 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, Heuvelland · 1 establishment unit since 2020
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.
Dikkebusstraat(Dran) 2308951 HeuvellandGround area
472 m²
Building footprint
162 m²
Volume, LiDAR
839 m³
Parcel 33006A0227/00V000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NAEYE RONNICK
since 20202.296.975.539
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33006A0227/00V000 | Flanders | 472 m² | 1 · 162 m² | 8.2 m · 2 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.
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 7,652 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-2019
Fiscal year end30-06
Activities, NACEBEL
43320Joinery installation
43230Insulation installation
43291Specialised construction activities
47551Retail sale of household furniture
47591Retail trade
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.