NAVYA
ActiveThe computed 12-month bankruptcy probability of NAVYA is 1.7% (moderate). The 2024 annual accounts show equity of €75k and a net result of €36k. Equity is growing by ~66.5% per year across the filed fiscal years. Its solvency ranks better than 55% of 395 sector peers (fiscal year 2024). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
94
/ 100
Excellent▲ +18 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency86▲+33
Growth78=
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.74 against 1.35 in 2023), but 53% 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.
−lowers risk+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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 dateAge against the risk zone
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 filingsDeviation from the deadline
2025
not confirmed
2024
68 d late
2023
117 d late
2022
92 d late
2021
82 d late
2020
30 d late
2019
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€75k▲ 92.1%
2023 · €39k
2018: €8k
2019: €3k
2020: €6k
2021: €17k
2022: €14k
2023: €39k
2018 → 2024
Total assets
€160k▲ 18.2%
2023 · €136k
2018: €38k
2019: €41k
2020: €72k
2021: €86k
2022: €110k
2023: €136k
2018 → 2024
Net result
€36k▲ 41.0%
2023 · €26k
2018: €413
2019: €-5k
2020: €3k
2021: €11k
2022: €-3k
2023: €26k
2018 → 2024
Working capital
€63k▲ 85.4%
2023 · €34k
2018: €8k
2019: €3k
2020: €-3k
2021: €9k
2022: €7k
2023: €34k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€6k-€17k▲ 171%€14k▼ 18.0%€39k▲ 188%€75k▲ 92.1%
Operating result€4k-€13k▲ 195%€-2k€39k€55k▲ 42.9%
Net result€3k-€11k▲ 231%€-3k€26k€36k▲ 41.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 43% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €160k
Fixed assets
€13k▲ 108%
Current assets
€148k▲ 14.0%
Equity and liabilities €160k
Equity
€75k▲ 92.1%
Debt
€85k▼ 11.9%
The debt ratio falls from 71.1% to 53.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€59k▲
2023 · €40k
Cash flow
€40k▲
2023 · €27k
Solvency
47.0%▲
2023 · 28.9%
Current ratio
1.74▲
2023 · 1.35
Quick ratio
1.10▲
2023 · 0.08
Debt / equity
1.13▼
2023 · 2.46
ROE
47.9%▼
2023 · 65.3%
ROA
22.5%▲
2023 · 18.9%
Interest coverage
8.98▼
2023 · 15.49
Debt
€85k▼
2023 · €97k
Debt ≤ 1 year
€85k▼
2023 · €96k
Income taxes
€14k▲
2023 · €11k
Staff costs
€14k▲
2023 · €13k
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€136k€160k▲
Formation expenses20-€0
Fixed assets21/28€6k€13k▲
Tangible fixed assets22/27€3k€10k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€594€8k▲
Financial fixed assets28€3k€3k=
Current assets29/58€130k€148k▲
Stocks and contracts in progress3€122k€54k▼
Stocks30/36€122k€54k▼
Amounts receivable within one year40/41€3k€84k▲
Trade receivables40€127€18k▲
Other amounts receivable41€3k€66k▲
Cash at bank and in hand54/58€4k€5k▲
Deferred charges and accrued income490/1€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€136k€160k▲
Equity10/15€39k€75k▲
Contributions10/11€6k€6k=
Reserves13€718€718=
Non-distributable reserves130/1€718€0▼
Reserves not available under the articles1311€718-
Distributable reserves133-€718
Profit (loss) carried forward14€32k€68k▲
Amounts payable17/49€97k€85k▼
Amounts payable within one year42/48€96k€85k▼
Financial debts43€2k€0▼
Credit institutions430/8€2k-
Trade debts44€39k€49k▲
Suppliers440/4€39k€49k▲
Taxes, remuneration and social security45€23k€36k▲
Taxes450/3€13k€34k▲
Remuneration and social security454/9€10k€2k▼
Other amounts payable47/48€32k-
Accrued charges and deferred income492/3€698€28▼
Income statement
Code20232024
Remuneration, social security and pensions62€13k€14k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€892€3k▲
Other operating charges640/8€707€1k▲
Non-recurring operating charges66A€3k-
Gross operating margin9900€57k€75k▲
Operating profit (loss)9901€39k€55k▲
Financial income75/76B€2€1k▲
Recurring financial income75€2€1k▲
Financial charges65/66B€3k€7k▲
Recurring financial charges65€3k€7k▲
Profit (loss) for the period before taxes9903€36k€50k▲
Income taxes67/77€11k€14k▲
Profit (loss) for the period9904€26k€36k▲
Profit (loss) for the period to be appropriated9905€26k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€68k▲
Profit (loss) brought forward from the previous period14P€7k€32k▲
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
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
2024
31-12
Financial
Highest result since 2018net €36k ▲41%
Operating result €55k, net result €36k, both a record.
25-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 117 days late
2023
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
21-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 82 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Weakest financial yearnet €-5k ▼1335%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
18-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 79 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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 · 2 establishment units since 2005
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.
Emile Bockstaellaan 1501020 BrusselGround area
318 m²
Building footprint
232 m²
Volume, LiDAR
2,579 m³
2 parcels, Brussels, Wallonia · tallest building 17.0 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Emile Bockstaellaan 150, 1020 Brussel
since 20052.151.316.181
Rue de Namur 95-95A, 1400 Nivelles
since 20202.309.081.238
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782C0189/00D000 | Wallonia | 161 m² | 1 · 97 m² | 13.3 m · 4 fl. |
| 21815D0054/00P002 | Brussels | 157 m² | 1 · 135 m² | 17.0 m · 5 fl. |
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.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesBrussel2.151.316.181
Nivelles2.309.081.238
Similar companies · same sector, comparable size
GECO
BE 0785.597.753
Visé · Eq €76k
NEAOM
BE 0804.436.737
La Louvière · Eq €76k
EPICERIE MARICHAL
BE 0869.631.427
Waimes · Eq €76k
AKSOY
BE 0465.582.677
Brussel · Eq €76k
BIZIM SLAGERIJ
BE 0683.621.356
Genk · Eq €76k
Of 10,411 companies in sector 47110 we hold annual accounts for 5,786. 4,618 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-2005
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
61100Wired, wireless and satellite telecommunications
61200Telecommunications
64200Holdings
52112
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.