NAÏL
ActiveThe computed 12-month bankruptcy probability of NAÏL is 9.0% (elevated). The 2024 annual accounts show equity of €32k and a net result of €6k. Equity is growing by ~31.6% per year across the filed fiscal years. Its solvency ranks better than 77% of 725 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
88
/ 100
Excellent▲ +19 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability91▼-9
Solvency78▲+29
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
9.0%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 0.62 in 2023), and 36.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 53
Relative position
BE, all sectors
reference
Sector 53
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
63.7%
Return on assets
11.6%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-10-2025, 73 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
73 d late
2023
424 d late
2022
76 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€79k
EBIT margin
16.3%
Net result
€6k▼ 45.8%
2023 · €11k
2022: €10k
2023: €11k
2022 → 2024
Working capital
€506
2023 · €-17k
2022: €385
2023: €-17k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Turnover€79k-
Equity€15k-€26k▲ 69.5%€32k▲ 22.2%
Operating result€13k-€13k▲ 1.4%€7k▼ 43.9%
Net result€10k-€11k▲ 3.5%€6k▼ 45.8%
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 2024; 2024 is 44% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €50k
Fixed assets
€31k▼ 26.8%
Current assets
€19k▼ 32.0%
Equity and liabilities €50k
Equity
€32k▲ 22.2%
Debt
€18k▼ 58.9%
The debt ratio falls from 62.9% to 36.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€19k▼
2023 · €19k
Cash flow
€17k▲
2023 · €17k
Solvency
63.7%▲
2023 · 37.1%
Current ratio
1.03▲
2023 · 0.62
Quick ratio
1.03▲
2023 · 0.62
Debt / equity
0.57▼
2023 · 1.70
ROE
18.2%▼
2023 · 41.0%
ROA
11.6%▼
2023 · 15.2%
Interest coverage
92.91▼
2023 · 158.93
Debt
€18k▼
2023 · €44k
Debt ≤ 1 year
€18k▼
2023 · €44k
Income taxes
€1k▼
2023 · €2k
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€70k€50k▼
Fixed assets21/28€42k€31k▼
Tangible fixed assets22/27€42k€31k▼
Furniture and vehicles24€42k€31k▼
Current assets29/58€27k€19k▼
Amounts receivable within one year40/41€19k€3k▼
Trade receivables40€11k-
Other amounts receivable41€8k€3k▼
Cash at bank and in hand54/58€8k€15k▲
Equity and liabilities
Total equity and liabilities10/49€70k€50k▼
Equity10/15€26k€32k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€21k€27k▲
Amounts payable17/49€44k€18k▼
Amounts payable within one year42/48€44k€18k▼
Trade debts44€21k€10k▼
Suppliers440/4€21k€10k▼
Taxes, remuneration and social security45€12k€7k▼
Taxes450/3€12k€7k▼
Other amounts payable47/48€11k€1k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€11k▲
Other operating charges640/8€404€3k▲
Non-recurring operating charges66A-€869
Gross operating margin9900€19k€22k▲
Operating profit (loss)9901€13k€7k▼
Financial income75/76B-€2
Recurring financial income75-€2
Financial charges65/66B€120€202▲
Recurring financial charges65€120€202▲
Profit (loss) for the period before taxes9903€13k€7k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€11k€6k▼
Profit (loss) for the period to be appropriated9905€11k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€27k▲
Profit (loss) brought forward from the previous period14P€10k€21k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
12-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 73 days late
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 424 days late
2024
31-12
Financial
Weakest financial yearnet €6k ▼45.8%
Net result drops to €6k, the lowest in the series.
2023
31-12
Financial
Highest result since 2022net €11k ▲3.5%
Operating result €13k, net result €11k, both a record.
15-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 76 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brussel · 1 establishment unit since 2021
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.
Louizalaan 209a1050 BrusselGround area
1,610 m²
Building footprint
564 m²
Volume, LiDAR
10,301 m³
2 parcels, Brussels, Wallonia · tallest building 29.8 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
NAÏL
since 20212.324.451.382
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55025C0171/00A002indicative | Wallonia | 1,130 m² | 1 · 147 m² | 5.5 m · 1 fl. |
| 21807G0120/00H005 | Brussels | 480 m² | 1 · 417 m² | 29.8 m · 8 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
M.H. LIMOUSINES
BE 0635.742.552
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WOLF Trans
BE 0678.374.448
Heusden-Zolder · Eq €31k
SITABEL
BE 0757.825.762
Namur · Eq €32k
Rahmatzai Transport
BE 1002.474.907
Gent · Eq €32k
BALI LOGISTICS
BE 0804.327.958
Wijnegem · Eq €32k
Of 4,832 companies in sector 53200 we hold annual accounts for 1,286. 1,070 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-10-2021
Fiscal year end31-12
Activities, NACEBEL
53200Other postal and courier activities
49420Removal services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.