Turnover
≈ €140,000 estimated
The micro format states no turnover.
Naja Renov
Lifetime
1 annual account with figuresGross marginpeak €43,208 (2025)
€43,208
Resultpeak €33,780 (2025)
€33,780
Equitypeak €35,447 (2025)
€35,447
Debts
€15,007
Board1 name since 2025
1 directorJAMBE Nathan Alain Yves Ghislain
Documentsfilings and deeds
28-07-20263 days before the deadline
2025micro format
Incorporation 20-03Dividend €8331 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsStarting capital
€2,500 1,000 shares
Checked score
97
Excellent
Financially stronger than 73% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,917 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
04-2026: 0.4%
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026highest value
08-2026: < 0.1%▼ -0.4 percentage points vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2025
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 3.06, cash €23,367
Equity €35,447 (70.3% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 63% of them on solvency, 73% on liquidity and 82% on profitability.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as Naja Renov has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of Naja Renov itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for Naja Renov. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.06, above the usual 1.5. Short-term debt is 29.7% and cash 46.3% of total assets. 29.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 28-07-2026, 3 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
3 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1021158986
Incorporation
Founding capital of €2,500, 1,000 shares · Founder: JAMBE Nathan Alain Yves Ghislain · Appointment: JAMBE Nathan Alain Yves Ghislain (director) · published on 20-03-2025 · Gazette deed
First establishment
Avenue Jean Pochet 150, Namur
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| Naja Renov Namur | €50,453 | €43,208 | 70.3% | - |
| IKTORAMA Gembloux | €48,303 | €52,802 | 57.4% | - |
| FIVE M CONSULTING Namur | €61,823 | €42,524 | 55.7% | - |
| GLC SOLUTIONS Jemeppe-sur-Sambre | €41,959 | €40,127 | 88.6% | - |
| ANDRIES ROSE Mont-de-l'Enclus | €54,145 | €44,310 | 70.3% | - |
| STONEFORGE Halle | €47,059 | €43,520 | 63.2% | - |
| ASTRATECH Berchem-Sainte-Agathe | €48,770 | €46,206 | 76.9% | - |
These companies have the same main activity as Naja Renov: computer programming (NACE 62100). They are comparable in size and age: total assets between €42,000 and €61,800, founded in 2025.
Official details
Source: KBO- Status
- Active since 18-03-2025Normal situation
- Activity
- Computer programmingNACE 62100and 5 others
- Establishment unit
- 2.372.142.2255001 Namur, since 18-03-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 01-09-2025
Annual accounts 2025
- Total assets
- €50,453
- Filing
- Filed on 28-07-2026, 3 days before the end of the filing period
Insights on Naja Renov
Naja Renov has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35,447 and a net result of €33,780.
Its solvency ranks better than 62% of 21,166 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Naja Renov
- What is the company number of Naja Renov?
- The company number of Naja Renov is 1021.158.986. The VAT number is the same number with BE in front: BE 1021.158.986.
- Where is Naja Renov based?
- The registered office is at Avenue Jean Pochet 150, 5001 Namur.Company details
- What does Naja Renov do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of Naja Renov?
- Naja Renov is a private limited company (BV).
- When was Naja Renov founded?
- Naja Renov was founded on 18-03-2025.
- Is Naja Renov still active?
- Yes, Naja Renov is an active enterprise in the KBO register.
- What is the turnover of Naja Renov?
- The turnover in financial year 2025 is ≈ €140,000. This figure is estimated from the gross margin of €43,208 and 85 comparable companies (NACE 62). It probably lies between €110,000 and €190,000.Financials
- Is Naja Renov profitable?
- In financial year 2025, Naja Renov made a profit of €33,780.
- Where can I find the annual accounts of Naja Renov?
- Naja Renov filed 1 annual account with the National Bank of Belgium, for financial year 2025.
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