NAYA GROUP
ActiveNAYA GROUP has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €45k and a net result of €4k. Equity is growing by ~54.8% per year across the filed fiscal years. Its solvency ranks better than 59% of 26051 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
74
/ 100
Healthy▼ -15 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability47▼-53
Solvency74▲+12
Growth78=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.16 in 2023), and 57.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
42.5%
Return on assets
4%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 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
26 d late
2023
5 d late
2022
31 d late
2021
22 d late
2020
31 d late
2019
46 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€45k▲ 10.4%
2023 · €40k
2018: €-15k
2019: €-18k
2020: €3k
2021: €20k
2022: €30k
2023: €40k
2018 → 2024
Total assets
€105k▼ 2.7%
2023 · €108k
2018: €57k
2019: €55k
2020: €72k
2021: €89k
2022: €100k
2023: €108k
2018 → 2024
Net result
€4k▼ 58.8%
2023 · €10k
2018: €-11k
2019: €-3k
2020: €21k
2021: €17k
2022: €10k
2023: €10k
2018 → 2024
Working capital
€21k▲ 104%
2023 · €11k
2018: €-47k
2019: €-45k
2020: €-19k
2021: €3k
2022: €2k
2023: €11k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€3k-€20k▲ 589%€30k▲ 49.6%€40k▲ 33.7%€45k▲ 10.4%
Operating result€21k-€20k▼ 5.4%€14k▼ 29.8%€18k▲ 29.3%€8k▼ 53.4%
Net result€21k-€17k▼ 18.4%€10k▼ 42.0%€10k▲ 1.5%€4k▼ 58.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 53% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €105k
Fixed assets
€29k▼ 1.3%
Current assets
€75k▼ 3.3%
Equity and liabilities €105k
Equity
€45k▲ 10.4%
Debt
€60k▼ 10.6%
The debt ratio falls from 62.6% to 57.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€18k▼
2023 · €28k
Cash flow
€14k▼
2023 · €20k
Solvency
42.5%▲
2023 · 37.4%
Current ratio
1.40▲
2023 · 1.16
Quick ratio
1.21▲
2023 · 1.01
Debt / equity
1.35▼
2023 · 1.67
ROE
9.4%▼
2023 · 25.2%
ROA
4.0%▼
2023 · 9.4%
Interest coverage
47.19▼
2023 · 52.35
Debt
€60k▼
2023 · €68k
Debt ≤ 1 year
€54k▼
2023 · €68k
Debt > 1 year
€6k
Income taxes
€4k▼
2023 · €8k
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€108k€105k▼
Fixed assets21/28€30k€29k▼
Intangible fixed assets21-€3k
Tangible fixed assets22/27€28k€25k▼
Plant, machinery and equipment23€19k€14k▼
Furniture and vehicles24€10k€11k▲
Financial fixed assets28€2k€2k=
Current assets29/58€78k€75k▼
Stocks and contracts in progress3€10k€10k=
Stocks30/36€10k€10k=
Amounts receivable within one year40/41€18k€16k▼
Trade receivables40€18k€16k▼
Current investments50/53-€1k
Cash at bank and in hand54/58€50k€49k▼
Deferred charges and accrued income490/1-€237
Equity and liabilities
Total equity and liabilities10/49€108k€105k▼
Equity10/15€40k€45k▲
Contributions10/11€14k€14k=
Capital10€14k-
Issued capital100€19k-
Uncalled capital101€5k-
Outside capital11-€14k
Other1109/19-€14k
Reserves13€1k€1k=
Non-distributable reserves130/1€1k-
Legal reserve130€1k-
Distributable reserves133-€1k
Profit (loss) carried forward14€25k€29k▲
Amounts payable17/49€68k€60k▼
Amounts payable after more than one year17-€6k
Financial debts170/4-€6k
Amounts payable within one year42/48€68k€54k▼
Current portion of amounts payable after more than one year42€1k€2k▲
Trade debts44€17k€24k▲
Suppliers440/4€17k€24k▲
Advances received on contracts in progress46€2k-
Taxes, remuneration and social security45€15k€6k▼
Taxes450/3€14k€6k▼
Remuneration and social security454/9€1k-
Other amounts payable47/48€33k€21k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼
Other operating charges640/8€3k€921▼
Gross operating margin9900€31k€19k▼
Operating profit (loss)9901€18k€8k▼
Financial income75/76B€11€3▼
Recurring financial income75€11€3▼
Financial charges65/66B€539€390▼
Recurring financial charges65€539€390▼
Profit (loss) for the period before taxes9903€18k€8k▼
Income taxes67/77€8k€4k▼
Profit (loss) for the period9904€10k€4k▼
Profit (loss) for the period to be appropriated9905€10k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€29k▲
Profit (loss) brought forward from the previous period14P€15k€25k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €21k
Net result €21k after 2 loss-making years.
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
17-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
23-02
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Farciennes · 2 establishment units since 2014
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.
Rue de Pont-de-Loup(FAR) 446240 FarciennesGround area
887 m²
Building footprint
126 m²
Volume, LiDAR
499 m³
2 parcels, Wallonia · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Identité Graphique
since 20142.229.944.381
Mademoiselle Burgerina
since 20152.246.300.660
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52018D0157/00Z000 | Wallonia | 568 m² | 1 · 62 m² | - |
| 52018B0721/00K000 | Wallonia | 318 m² | 1 · 64 m² | 9.6 m · 3 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.
Similar companies · same sector, comparable size
Bosair
BE 0502.702.597
Dessel · Eq €44k
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BE 0801.113.892
Sint-Niklaas · Eq €44k
LAUNDRY-TEC
BE 0743.899.532
Steenokkerzeel · Eq €44k
Kriveck
BE 0797.114.524
Heist-op-den-Berg · Eq €45k
ELECTRO FRUYT
BE 0862.425.020
Linter · Eq €44k
Of 1,503 companies in sector 47540 we hold annual accounts for 801. 547 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2006
Fiscal year end31-12
Activities, NACEBEL
47540Retail sale of electrical household appliances
46431Wholesale of electrical household appliances and audio-video equipment
46474Wholesale trade
47400Retail sale of information and communication equipment
47410Retail trade
47430Retail trade
47630Retail trade
47690Retail sale of other cultural and recreation goods
52450
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.