NALYA
ActiveSummary
The computed 12-month bankruptcy probability of NALYA is 3.1% (moderate). The 2025 annual accounts show negative equity (-€13,474) and a net result of €3,265. The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 26-07-2023 Normal situation
- Activity
- “Toutes activités ayant un rapport direct ou indirect avec la restauration et le secteur…” (deed in French)From the articles, 12 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.347.974.080 1601 Sint-Pieters-Leeuw, since 26-07-2023
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Financial position
- Bankruptcy probabilitywithin 12 months
- 3.1%
Annual accounts 2025
- Turnover
- €50,774
- ▼ 16.4%
- Profit
- €3,265
- Equity
- -€13,474
- ▲ 19.5%
- Total assets
- €387
- ▼ 96.5%
- Negative equity on 31-12-2025
Score breakdownraises riskSector: Food and beverage service activities (NACE 56)Founded in 2023Size: turnover €50,774, total assets €387lowers riskLiquidity: current ratio 0.03, cash €387, halvedShow the evidence
Checked score
Score 2025
51
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 45% of micro companies in food and beverage service (NACE 56)
Financial strength · tick: 2024
Average
Solvency
0=
equity -3480.5% of total assets
Liquidity
50+26
short-term debt 3580.5% · cash 100.0%
Profitability
92+92
return on assets 843.3%
Bankruptcy probability within 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 4.5%
01-2025: 4.8%▲ +0.3 percentage points vs 12-2024
02-2025: 4.8%● unchanged vs 01-2025
03-2025: 5.3%▲ +0.5 percentage points vs 02-2025
04-2025: 5.2%▼ -0.1 percentage points vs 03-2025
05-2025: 5.1%▼ -0.1 percentage points vs 04-2025
06-2025: 5.4%▲ +0.3 percentage points vs 05-2025
07-2025: 5.5%▲ +0.1 percentage points vs 06-2025
08-2025: 5.5%● unchanged vs 07-2025
09-2025: 5.5%● unchanged vs 08-2025
10-2025: 5.5%● unchanged vs 09-2025
11-2025: 5.5%● unchanged vs 10-2025
12-2025: 5.5%● unchanged vs 11-2025
01-2026: 5.5%● unchanged vs 12-2025
02-2026: 8.7%▲ +3.2 percentage points vs 01-2026
03-2026: 8.8%▲ +0.1 percentage points vs 02-2026highest value
04-2026: 8.8%● unchanged vs 03-2026highest value
05-2026: 8.8%● unchanged vs 04-2026highest value
06-2026: 8.1%▼ -0.7 percentage points vs 05-2026
07-2026: 8.0%▼ -0.1 percentage points vs 06-2026
08-2026: 3.1%▼ -4.9 percentage points vs 07-2026lowest value
09-2026: 3.1%● unchanged vs 08-2026lowest value
10-2026: 3.1%● unchanged vs 09-2026lowest value
11-2026: 3.1%● unchanged vs 10-2026lowest value
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
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 56, micro). It does better than 9% of them on solvency, 49% on liquidity, 80% on profitability and 41% on growth.
The bankruptcy probability was computed on 03-11-2026 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.
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).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
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 16-07-2026, 15 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
15 days early
2024
302 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 2 accounts on average 144 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 16-07-2026 at the NBB all 2 filings
Turnover
€50,774▼ 16.4%
2024 · €60,707
EBIT margin
8.3%▲ 39.0pp
2024 · -30.7%
Net result
€3,265
2024 · -€18,739
Working capital
-€13,474▲ 31.0%
2024 · -€19,528
Multi-year overview
2024 to 2025, 2 financial yearsTurnover
€50,774
▼ 16.4%
2025
20242025
Operating result
€4,211
2025
20242025
Net result
€3,265
2025
20242025
EBIT margin
8.3%
▲ 39.0pp
2025
20242025
Equity
-€13,474
▲ 19.5%
2025
20242025
Total assets
€387
▼ 96.5%
2025
20242025
Debt
€13,861
▼ 50.2%
2025
20242025
Working capital
-€13,474
▲ 31.0%
2025
20242025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20242025
Turnover€60,707-€50,774▼ 16.4%
Operating result-€18,650-€4,211
Net result-€18,739-€3,265
EBIT margin-30.7%-8.3%▲ 39.0pp
Equity-€16,739--€13,474▲ 19.5%
Total assets€11,104-€387▼ 96.5%
Debt€27,842-€13,861▼ 50.2%
Working capital-€19,528--€13,474▲ 31.0%
The operating result for 2025 is a profit of €4,211, after a loss of €18,650 in 2024.
Key figures and ratios
EBITDA
€7,000▲
2024 · -€16,982
Cash flow
€6,053▲
2024 · -€17,070
Interest coverage
7.40▲
2024 · -192.08
Debt ≤ 1 year
€13,861▼
2024 · €27,842
Supplier credit
31 days▼
2024 · 43 days
The ratios are withheld because a balance sheet total of €387 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Tangible fixed assets | €4,457 | - |
| Depreciation and write-downs of the year | €1,669 | €2,789 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Turnover70 | €60,707 | €50,774 | ▼ 16.4% |
| Goods, raw materials, services and sundry goods60/61 | €77,251 | €43,588 | ▼ 43.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,669 | €2,789 | ▲ 67.1% |
| Other operating charges640/8 | €738 | €186 | ▼ 74.8% |
| Gross operating margin9900 | -€16,244 | €7,186 | - |
| Operating profit (loss)9901 | -€18,650 | €4,211 | - |
| Financial income75/76B | €0 | - | - |
| Recurring financial income75 | €0 | - | - |
| Financial charges65/66B | €88 | €946 | ▲ 970% |
| Recurring financial charges65 | €88 | €946 | ▲ 970% |
| Profit (loss) for the period before taxes9903 | -€18,739 | €3,265 | - |
| Profit (loss) for the period9904 | -€18,739 | €3,265 | - |
| Profit (loss) for the period to be appropriated9905 | -€18,739 | €3,265 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €11,104 | €387 | ▼ 96.5% |
| Fixed assets21/28 | €2,789 | - | - |
| Tangible fixed assets22/27 | €2,789 | - | - |
| Plant, machinery and equipment23 | €1,619 | - | - |
| Furniture and vehicles24 | €1,170 | - | - |
| Current assets29/58 | €8,315 | €387 | ▼ 95.3% |
| Amounts receivable within one year40/41 | €6,166 | - | - |
| Trade receivables40 | €5,194 | - | - |
| Other amounts receivable41 | €972 | - | - |
| Cash at bank and in hand54/58 | €2,149 | €387 | ▼ 82.0% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €11,104 | €387 | ▼ 96.5% |
| Equity10/15 | -€16,739 | -€13,474 | ▲ 19.5% |
| Contributions10/11 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | -€18,739 | -€15,474 | ▲ 17.4% |
| Amounts payable17/49 | €27,842 | €13,861 | ▼ 50.2% |
| Amounts payable within one year42/48 | €27,842 | €13,861 | ▼ 50.2% |
| Trade debts44 | €9,071 | €3,645 | ▼ 59.8% |
| Suppliers440/4 | €9,071 | €3,645 | ▼ 59.8% |
| Taxes, remuneration and social security45 | - | €1,654 | - |
| Taxes450/3 | - | €1,654 | - |
| Other amounts payable47/48 | €18,771 | €8,562 | ▼ 54.4% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€18,739 | €3,265 | - |
| + Depreciation and write-downs630 | €1,669 | €2,789 | ▲ 67.1% |
| Operating cash flow (approximation) | -€17,070 | €6,053 | - |
| Change in cash | - | -€1,762 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 1,017 companies had the same profile as NALYA has now. Two years later, 89.2% were still going and 6.5% had gone bankrupt.
- Micro
- 2 to 5 years old
- negative equity
- a profit of 5% of the balance sheet or more
89.2%
was still going
4.0%
stopped otherwise
6.5%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of NALYA itself: 3.1% 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 1,017 companies, not a prediction for NALYA. 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.
Board & ownership
Directors
Directors
1 director, no change since 2024
Mohammed MOUMEN
Current
Director · appointed in the act of 18-06-2024
Owners and capital
Shareholders
Stated in the act
act of 18-06-2024 ↗
- Mohammed MOUMEN 100 shares
- Mira NASIR
At incorporation
act of 28-07-2023 ↗
- NASIR Mira 100 shares (100%) · €2,000
Capital transactions
Capital over time
- 28-07-2023 Incorporation · €2,000 · 100 shares
Mandate history
2 people, 1 in office
- Board
| Name | Functions and periods |
|---|---|
| Mohammed MOUMEN |
|
| Mira NASIR |
|
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “10, un ou plusieurs administrateurs”“Fixe ou proportionnelle, 12”
Capital, shares and profit
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “9, mêmes formalités si non actionnaires de plein droit”
Audit, dissolution and liquidation
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Articles of association, deed of 28-07-2023 (in French)
Network & group
NALYA shares no director with another company.
Companies at the same address
3 other companiesConnections & network
1 current directorThe network starts from the directors of NALYA. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
2025
31-12
Financial
Back to profitnet €3,265
The net result is €3,265, after one loss-making year.
2024
18-06
Gazette deed
Resignation: Mira NASIR (director)Appointment: Mohammed MOUMEN (director) · Shareholding6 points ▸
Gazette deed
Resignation: Mira NASIR (director)
Appointment: Mohammed MOUMEN (director) · Shareholding6 points ▸
- General meeting, 30-05-2024
- Director resignation, Mira NASIR (director)
- Other provision, “responsabilité pour dettes antérieures à la vente”, 30-05-2024 (deed in French)
- Director appointment, Mohammed MOUMEN (director)
- Mohammed MOUMEN holds 100 shares
- Mira NASIR is a shareholder
2023
28-07
Gazette deed
IncorporationStarting capital €2,000 · Appointment: NASIR Mira (director) · Shareholding11 points ▸
Gazette deed
Incorporation
Starting capital €2,000 · Appointment: NASIR Mira (director) · Shareholding11 points ▸
- Incorporation, 25-07-2023
- Founding capital, €2,000
- NASIR Mira holds 100 shares
- Other provision, 23-07-2023
- General meeting, “décisions finales et/ou transitoires suivantes, comparants” (deed in French)
- Registered office clause, “1480 Tubize,rue de Mons 1” (deed in French)
- Board rule, 1
- Director appointment, NASIR Mira (director (not named in the articles))
- Other provision, “représentant permanent, pas envisagé acceptation mandats administrateur dans autres sociétés” (deed in French)
- Pre-incorporation commitments, “takeover, tous engagements et obligations en résultant et toutes activités entreprises au nom et pour compte société en formation” (deed in French)
- Founder, NASIR Mira
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
NALYA in French
Enterprise number
0804.289.554
Legal form
Private limited company
Status
Active, normale toestand
Founded
26-07-2023
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 28-07-2023 (in French)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Région wallonne, sièges administratifs,agences,ateliers,dépôts et succursales,tant en Belgique qu'à l'étranger,par simple décision de…”
deed of 28-07-2023 (in French)Registered office and establishments
Registered office
Rue de Mons 1, 1480 Tubize, Belgium
Establishment unit
Robus Electra, Buitenplas 1, 1601 Sint-Pieters-Leeuw since 26-07-2023 · unit number 2.347.974.08047241 Retail sale of bread and pastry (bakery outlets)
Phone
+32487958031Sint-Pieters-Leeuw
Activities
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 28-07-2023 (in French)
“Toutes activités ayant un rapport direct ou indirect avec la restauration et le secteur horeca en général,sous sa propre enseigne ou par…”
12 activities
- Toutes activités ayant un rapport direct ou indirect avec la restauration et le secteur horeca en général,sous sa propre enseigne ou par voie de franchise ou de licence,et notamment:
- La gestion et l'exploitation de tous types d'établissements de restauration,au sens le plus large des termes,et notamment d'hôtels,de restaurants,de cafés,de pizzeria,de tavernes,de snack-bars,de sandwicheries,de cafétérias,de salons de consommation,de tea-rooms,de bars,de discothèques,de débits de boisson et de petits commerces ambulants,tels que food trucks ou autres
- Toutes opérations relatives à la vente ambulante
- Toutes opérations relatives aux services de traiteur
- Tous services de livraison à domicile
- Toutes opérations relatives à l'importation,l'exportation,l'achat,la vente,la distribution,la fabrication,la transformation,le transport,la commercialisation,la représentation,le courtage,ainsi que le négoce en général,en gros ou en détail,de toutes espèces de marchandises,et notamment de tous produits alimentaires,de toutes boissons,de tous alcools,de tous spiritueux,de tous textiles,ainsi que de tous matériels relevant du secteur horeca
- Pleine capacité juridique pour accomplir tous les actes et opérations ayant un rapport direct ou indirect avec son objet ou qui seraient de nature à faciliter directement ou indirectement,entièrement ou partiellement,la réalisation de cet objet
- Faire tout placement mobiliers et immobiliers pour son propre compte
- Prendre toutes participations financières ou à titre d'actionnaire dans d'autres sociétés,acheter et vendre tous immeubles,les diviser,transformer,rénover et les donner en location
- S'intéresser par voie d'association,d'apport,de fusion,d'intervention financière ou autrement dans toutes sociétés,associations ou entreprises dont l'objet est identique,analogue ou connexe au sien ou susceptible de favoriser le développement de son entreprise ou de constituer pour elle une source de débouchés
- Exercer les fonctions d'administrateur ou liquidateur dans d'autres sociétés
- Se porter garant ou fournir des sûretés réelles pour des sociétés ou des personnes privées,au sens le plus large
Invoicing and payment
VAT number
BE 0804.289.554
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Sites & property
Location
Buildings and parcels at the addresses
Ground area
9,282 m²
Building footprint
4,910 m²
Building volume
819 m³
Tallest building: 13.9 m.
Flanders
1
(50%)
Wallonia
1
(50%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23069A0554/00B000 | Flanders | 9,216 m² | 1 · 4,852 m² | 0.5 m |
| 25105A0084/00L002 | Wallonia | 65 m² | 1 · 57 m² | 13.9 m · 4 |