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NAÏLA

Active
Private limited company (pre-2019)founded 201412 yrs activeLouizalaan 251, 1050 Brussel, BelgiumKBO/BCE: BE 0555.694.885
Summary

NAÏLA has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €104,527 and a net result of €35,353. Equity is growing by ~78.3% per year across the filed fiscal years. Its solvency ranks better than 72% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.5% (low).

Risk analysis Watch Report Compare
NAÏLAActiveChecked score 74/100
Risk analysis Report Compare

Checked score

Score 2024
74 / 100
Healthy
Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability94▲+7
Solvency84▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 1.56 against 1.14 in 2023; short-term debt: 41.4% and cash: 22.1% of total assets), and 41.4% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 12 years 0 20 y
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-10-2025, 68 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 filings
Deviation from the deadline
2025
not confirmed
2024
68 d late
2023
71 d late
2022
58 d late
2021
22 d late
2020
90 d late
2019
131 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 73 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

NAÏLA was incorporated on 4 July 2014.1 Total assets rose from EUR 60,001 in 2018 to EUR 178,350 in 2024 and headcount from 2.7 full-time equivalents in 2019 to 2.8 in 2023.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018, 2019, 2023 and 2024

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Financials · fiscal year 2024, micro schema

Equity
€104,527▲ 51.1%
2023 · €69,174
Total assets
€178,350▲ 28.4%
2023 · €138,898
Net result
€35,353▲ 75.3%
2023 · €20,164
Working capital
€41,702▲ 317%
2023 · €10,002
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result€20,094€23,258▲ 15.7%€38,976▲ 67.6%€52,018▲ 33.5%€52,118▲ 0.2%
Net result€19,342within the sector's middle half€22,483within the sector's middle half▲ 16.2%€39,145above the sector's middle half▲ 74.1%€20,164above the sector's middle half▼ 48.5%€35,353above the sector's middle half▲ 75.3%
Equity-€13,120below the sector's middle half▲ 59.6%€9,864within the sector's middle half€49,009within the sector's middle half▲ 397%€69,174within the sector's middle half▲ 41.1%€104,527within the sector's middle half▲ 51.1%
Total assets€66,848within the sector's middle half▲ 14.3%€87,155within the sector's middle half▲ 30.4%€102,003within the sector's middle half▲ 17.0%€138,898within the sector's middle half▲ 36.2%€178,350within the sector's middle half▲ 28.4%
Debt€79,968▼ 12.1%€77,290▼ 3.3%€52,993▼ 31.4%€69,724▲ 31.6%€73,823▲ 5.9%
Working capital-€28,169below the sector's middle half▲ 36.1%-€30,311below the sector's middle half▼ 7.6%-€17,796below the sector's middle half▲ 41.3%€10,002within the sector's middle half€41,702within the sector's middle half▲ 317%
Solvency-19.6%below the sector's middle half▲ 35.9pp11.3%within the sector's middle half▲ 30.9pp48.0%within the sector's middle half▲ 36.7pp49.8%within the sector's middle half▲ 1.8pp58.6%within the sector's middle half▲ 8.8pp
Current ratio0.56below the sector's middle half▲ 0.150.61below the sector's middle half▲ 0.050.66below the sector's middle half▲ 0.061.14within the sector's middle half▲ 0.481.56within the sector's middle half▲ 0.42
Return on assets (ROA)28.9%above the sector's middle half▲ 87.2pp25.8%above the sector's middle half▼ 3.1pp38.4%above the sector's middle half▲ 12.6pp14.5%above the sector's middle half▼ 23.9pp19.8%above the sector's middle half▲ 5.3pp
Staff (FTE)2.4within the sector's middle half▼ 11.1%2.3▼ 4.2%2.8
above within below the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€20,000€40,000€60,000Operating result 2020: €20,094€20,094Net result 2020: €19,342€19,342Operating result 2021: €23,258€23,258Net result 2021: €22,483€22,483Operating result 2022: €38,976€38,976Net result 2022: €39,145€39,145Operating result 2023: €52,018€52,018Net result 2023: €20,164€20,164Operating result 2024: €52,118€52,118Net result 2024: €35,353€35,35320202021202220232024€0€20,000€40,000€60,000Operating result 2022: €38,976€39,000Net result 2022: €39,145€39,100Operating result 2023: €52,018€52,000Net result 2023: €20,164€20,200Operating result 2024: €52,118€52,100Net result 2024: €35,353€35,400202220232024
The operating result has risen four years in a row; 2024 is 0% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €178,350
Fixed assets €62,825 ▲ 6.2%
Current assets €115,525 ▲ 44.9%
Equity and liabilities €178,350
Equity €104,527 ▲ 51.1%
Debt €73,823 ▲ 5.9%
Debt's share of the balance-sheet total falls from 50.2% to 41.4%. Equity and debt are higher.
Key figures and ratios
2024 value · change against 2023
EBITDA
€73,103▲
2023 · €71,172
Cash flow
€56,339▲
2023 · €39,318
Quick ratio
1.28▲
2023 · 0.82
Debt to equity
0.71▼
2023 · 1.01
ROE
33.8%▲
2023 · 29.2%
Interest coverage
24.31▼
2023 · 167.95
Debt ≤ 1 year
€73,823▲
2023 · €69,724
Income taxes
€14,796▼
2023 · €31,430
Staff costs
€54,133▼
2023 · €68,800
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.

  • Micro
  • 10 to 20 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
3.9% stopped otherwise
95% still going

For this company itself Checked computes a higher bankruptcy probability: 1.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 34,696 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 44 lines
Balance sheet Code20232024
Assets
Total assets20/58€138,898€178,350▲
Fixed assets21/28€59,172€62,825▲
Tangible fixed assets22/27€59,172€62,825▲
Plant, machinery and equipment23€5,296€3,924▼
Furniture and vehicles24€24,790€18,694▼
Other tangible fixed assets26€29,085€40,208▲
Current assets29/58€79,726€115,525▲
Stocks and contracts in progress3€22,871€20,800▼
Stocks30/36€22,871€20,800▼
Amounts receivable within one year40/41€36,915€51,888▲
Trade receivables40€5,461€26,290▲
Other amounts receivable41€31,454€25,598▼
Cash at bank and in hand54/58€18,488€39,438▲
Deferred charges and accrued income490/1€1,452€3,399▲
Equity and liabilities
Total equity and liabilities10/49€138,898€178,350▲
Equity10/15€69,174€104,527▲
Contributions10/11€16,200€16,200=
Reserves13€18,000€18,000=
Distributable reserves133€18,000€18,000=
Profit (loss) carried forward14€34,974€70,327▲
Amounts payable17/49€69,724€73,823▲
Amounts payable within one year42/48€69,724€73,823▲
Trade debts44€19,474€33,291▲
Suppliers440/4€19,474€33,291▲
Taxes, remuneration and social security45€40,237€40,532▲
Taxes450/3€21,176€28,367▲
Remuneration and social security454/9€19,060€12,165▼
Other amounts payable47/48€10,013-
Income statement Code20232024
Remuneration, social security and pensions62€68,800€54,133▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19,154€20,985▲
Other operating charges640/8€2,912€13,946▲
Gross operating margin9900€142,884€141,182▼
Operating profit (loss)9901€52,018€52,118▲
Financial income75/76B-€1,039
Recurring financial income75-€1,039
Non-recurring financial income76B-€1,039
Financial charges65/66B€424€3,008▲
Recurring financial charges65€424€3,008▲
Profit (loss) for the period before taxes9903€51,594€50,150▼
Income taxes67/77€31,430€14,796▼
Profit (loss) for the period9904€20,164€35,353▲
Profit (loss) for the period to be appropriated9905€20,164€35,353▲
Appropriation of the result
Profit (loss) to be appropriated9906€34,974€70,327▲
Profit (loss) brought forward from the previous period14P€14,809€34,974▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Remuneration, social security and pensions62-€92,593€92,183€68,800€54,133▼ 21.3%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6,325€6,477€13,150€19,154€20,985▲ 9.6%
Other operating charges640/8-€3,567€1,687€2,912€13,946▲ 379%
Gross operating margin9900€128,670€125,894€145,997€142,884€141,182▼ 1.2%
Operating profit (loss)9901€20,094€23,258€38,976€52,018€52,118▲ 0.2%
Financial income75/76B--€633-€1,039-
Recurring financial income75--€633-€1,039-
Non-recurring financial income76B--€633-€1,039-
Financial charges65/66B-€775€464€424€3,008▲ 610%
Recurring financial charges65€752€775€464€424€3,008▲ 610%
Profit (loss) for the period before taxes9903€19,342€22,483€39,145€51,594€50,150▼ 2.8%
Income taxes67/77---€31,430€14,796▼ 52.9%
Profit (loss) for the period9904€19,342€22,483€39,145€20,164€35,353▲ 75.3%
Profit (loss) for the period to be appropriated9905€19,342€22,483€39,145€20,164€35,353▲ 75.3%
Line20202021202220232024Change
Assets
Total assets20/58€66,848€87,155€102,003€138,898€178,350▲ 28.4%
Fixed assets21/28€31,049€40,176€66,806€59,172€62,825▲ 6.2%
Tangible fixed assets22/27€31,049€40,176€66,806€59,172€62,825▲ 6.2%
Plant, machinery and equipment23-€4,672€4,705€5,296€3,924▼ 25.9%
Furniture and vehicles24-€16,672€25,142€24,790€18,694▼ 24.6%
Other tangible fixed assets26-€18,832€36,959€29,085€40,208▲ 38.2%
Current assets29/58€35,799€46,979€35,197€79,726€115,525▲ 44.9%
Stocks and contracts in progress3€22,568€17,250€14,026€22,871€20,800▼ 9.1%
Stocks30/36-€17,250€14,026€22,871€20,800▼ 9.1%
Amounts receivable within one year40/41€6,039€13,469€18,889€36,915€51,888▲ 40.6%
Trade receivables40-€6,551€6,551€5,461€26,290▲ 381%
Other amounts receivable41-€6,917€12,337€31,454€25,598▼ 18.6%
Cash at bank and in hand54/58€7,192€13,874€2,200€18,488€39,438▲ 113%
Deferred charges and accrued income490/1-€2,386€82€1,452€3,399▲ 134%
Equity and liabilities
Total equity and liabilities10/49€66,848€87,155€102,003€138,898€178,350▲ 28.4%
Equity10/15-€13,120€9,864€49,009€69,174€104,527▲ 51.1%
Contributions10/11€16,200€16,200€16,200€16,200€16,200=
Outside capital11-€16,200----
Other1109/19-€16,200----
Reserves13---€18,000€18,000=
Distributable reserves133---€18,000€18,000=
Profit (loss) carried forward14-€29,320-€6,336€32,809€34,974€70,327▲ 101%
Amounts payable17/49€79,968€77,290€52,993€69,724€73,823▲ 5.9%
Amounts payable after more than one year17€16,000-----
Amounts payable within one year42/48€63,968€77,290€52,993€69,724€73,823▲ 5.9%
Financial debts43--€2,302---
Credit institutions430/8--€2,302---
Trade debts44€46,588€46,525€3,709€19,474€33,291▲ 70.9%
Suppliers440/4-€46,525€3,709€19,474€33,291▲ 70.9%
Taxes, remuneration and social security45-€13,188€31,838€40,237€40,532▲ 0.7%
Taxes450/3--€3,143€21,176€28,367▲ 34.0%
Remuneration and social security454/9-€13,188€28,695€19,060€12,165▼ 36.2%
Other amounts payable47/48-€17,578€15,144€10,013--
Line20202021202220232024Change
Profit (loss) for the period9904€19,342€22,483€39,145€20,164€35,353▲ 75.3%
+ Depreciation and write-downs630€6,325€6,477€13,150€19,154€20,985▲ 9.6%
Operating cash flow (approximation)€25,666€28,959€52,296€39,318€56,339▲ 43.3%
Investment in fixed assets (approximation)--€15,604-€39,781-€11,520-€24,639▼ 114%
Change in cash-€6,682-€11,674€16,288€20,950▲ 28.6%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

2025
07-10
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
2024
31-12
Financial Equity above €100,000Eq €104,527 ▲51.1%
5 profitable years in a row build equity to €104,527.
10-10
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 71 days late
2023
27-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
31-12
Financial Highest result since 2018net €39,145 ▲74.1%
Net result €39,145, the highest in the series.
22-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
29-10
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
31-12
Financial Back to profitnet €19,342
Net result €19,342 after one loss-making year.
09-12
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 131 days late
2019
31-12
Financial Weakest financial yearnet -€34,081
Net result drops to -€34,081, the lowest in the series; recovery starts the following year.
31-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
22-08
NBB filing Annual accounts filed
fiscal year 2015 · full schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 12 acts read
About the unread acts

We know of 12 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
12 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
exact location from the address register On OpenStreetMap
Ground area
1,574 m²
Building footprint
1,579 m²
Volume, LiDAR
46,471 m³
Parcel 21807G0135/00T003, Brussels · tallest building 46.6 m, ±13 floors. Linked by address, not a title deed.
284 companies at this address See who is registered here
1 parcel
Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21807G0135/00T003 Brussels 1,574 m² 1 · 1,579 m² 46.6 m · 13 fl.
Linked by address, not proof of ownership
Good to know
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 2,404 companies in sector 47241 we hold annual accounts for 1,101. 912 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company (pre-2019)
Founded04-07-2014
Fiscal year end31-12
Activities, NACEBEL 2025
10712Artisanal bread and fresh pastry making
47241Retail sale of bread and pastry (bakery outlets)
E-invoicing
Not found in the Peppol register

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