NAITO
ActiveSummary
NAITO has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €77k. Equity is growing by ~69.1% per year across the filed fiscal years. Its solvency ranks better than 64% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency93▼-7
Growth78=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.05 against 4.23 in 2024; short-term debt: 32.4% and cash: 85.3% of total assets), and 32.4% 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 · 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
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
67.6%
Return on assets
51.2%
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 01-06-2026, 60 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
60 d early
2024
4 d late
2023
3 d early
2022
30 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
€101k▲ 68.9%
2024 · €60k
2022: €3k
2023: €30k
2024: €60k
2022 → 2025
Total assets
€150k▲ 92.3%
2024 · €78k
2022: €5k
2023: €53k
2024: €78k
2022 → 2025
Net result
€77k▲ 40.2%
2024 · €55k
2022: €-2k
2023: €27k
2024: €55k
2022 → 2025
Working capital
€99k▲ 71.3%
2024 · €58k
2022: €3k
2023: €28k
2024: €58k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€3k-€30k▲ 857%€60k▲ 97.8%€101k▲ 68.9%
Operating result€-2k-€37k€73k▲ 94.2%€100k▲ 37.4%
Net result€-2k-€27k€55k▲ 102%€77k▲ 40.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 37% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €150k
Fixed assets
€2k ▼ 2.4%
Current assets
€148k ▲ 94.8%
Equity and liabilities €150k
Equity
€101k ▲ 68.9%
Debt
€48k ▲ 170%
Debt's share of the balance-sheet total rises from 23.0% to 32.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€101k▲
2024 · €74k
Cash flow
€78k▲
2024 · €56k
Current ratio
3.05▼
2024 · 4.23
Debt to equity
0.48▲
2024 · 0.30
ROE
75.7%▼
2024 · 91.2%
ROA
51.2%▼
2024 · 70.2%
Interest coverage
40.52▲
2024 · 24.38
Debt ≤ 1 year
€48k▲
2024 · €18k
Income taxes
€21k▲
2024 · €15k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€78k€150k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€2k€816▼
Other tangible fixed assets26-€1k
Current assets29/58€76k€148k▲
Amounts receivable within one year40/41€13k€19k▲
Trade receivables40€13k€16k▲
Other amounts receivable41€0€3k▲
Cash at bank and in hand54/58€63k€127k▲
Deferred charges and accrued income490/1€215€2k▲
Equity and liabilities
Total equity and liabilities10/49€78k€150k▲
Equity10/15€60k€101k▲
Contributions10/11€5k€5k=
Reserves13€55k€96k▲
Distributable reserves133€55k€96k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€18k€48k▲
Amounts payable within one year42/48€18k€48k▲
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Taxes, remuneration and social security45€11k€14k▲
Taxes450/3€11k€14k▲
Other amounts payable47/48-€30k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€449€1k▲
Gross operating margin9900€74k€102k▲
Operating profit (loss)9901€73k€100k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€70k€97k▲
Income taxes67/77€15k€21k▲
Profit (loss) for the period9904€55k€77k▲
Profit (loss) for the period to be appropriated9905€55k€77k▲
Appropriation of the result
Profit (loss) to be appropriated9906€55k€77k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€25k€35k▲
Transfer to equity691/2€55k€77k▲
To other reserves6921€55k€77k▲
Profit to be distributed694/7€25k€35k▲
Return on contributions (dividend)694€25k€35k▲
The notes to these accounts (6 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €77k ▲40.2%
Operating result €100k, net result €77k, both a record.
31-12
Financial
Equity above €100kEq €101k ▲68.9%
3 profitable years in a row build equity to €101k.
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Halle · 1 establishment unit since 2022
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.
Steenstraat 671500 HalleGround area
2,236 m²
Building footprint
182 m²
Volume, LiDAR
2,233 m³
2 parcels, Flanders · tallest building 15.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Eikenlaan 7, 1500 Halle
since 20222.337.761.663
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23413H0008/00V016 | Flanders | 1,502 m² | 1 · 182 m² | 15.7 m · 4 fl. |
| 23412L0162/03_000 | Flanders | 734 m² | - | - |
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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 149 EUR awarded · 449 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 149 EUR | 449 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
creArTeC
BE 0834.564.244
Ramillies · Eq €101,108
JV ARCHITECT
BE 1017.078.454
Bilzen-Hoeselt · Eq €101,066
TOPROVAN
BE 0793.901.349
Oud-Turnhout · Eq €101,036
Infinit-E
BE 0847.797.222
Hasselt · Eq €101,149
Silêncio
BE 0870.878.470
Antwerpen · Eq €101,023
Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,480 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
Founded10-11-2022
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
41001General construction of residential buildings
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.