NAYAN
ActiveNAYAN has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.30M and a net result of €1.33M. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 31% of 1394 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+4
Solvency25=
Growth71▼-2
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €190k at 30 days acceptable
Liquidity tight (current ratio 1.14 against 1.16 in 2024), and 83.7% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
16.3%
Return on assets
9.4%
Age of the figures
8 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
36 d early
2023
36 d early
2022
35 d early
2021
44 d early
2020
on the day
2019
196 d late
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€17.65M▲ 1.3%
2024 · €17.43M
2020: €12.41M
2021: €15.92M
2022: €21.25M
2023: €16.83M
2024: €17.43M
2020 → 2025
EBIT margin
10.4%▲ 0.9pp
2024 · 9.5%
2020: 10.7%
2021: 1.4%
2022: 19.0%
2023: 15.3%
2024: 9.5%
2020 → 2025
Net result
€1.33M▲ 17.2%
2024 · €1.13M
2018: €803k
2019: €-95k
2020: €756k
2021: €-44k
2022: €3.24M
2023: €2.04M
2024: €1.13M
2018 → 2025
Working capital
€1.65M▼ 19.9%
2024 · €2.06M
2018: €3.75M
2019: €1.94M
2020: €2.51M
2021: €3.68M
2022: €3.24M
2023: €2.68M
2024: €2.06M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€15.92M-€21.25M▲ 33.5%€16.83M▼ 20.8%€17.43M▲ 3.6%€17.65M▲ 1.3%
Equity€2.56M-€2.80M▲ 9.3%€2.84M▲ 1.3%€2.48M▼ 12.9%€2.30M▼ 6.9%
Operating result€215k-€4.03M▲ 1,773%€2.58M▼ 36.0%€1.66M▼ 35.6%€1.84M▲ 10.6%
Net result€-44k-€3.24M€2.04M▼ 37.1%€1.13M▼ 44.4%€1.33M▲ 17.2%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14.17M
Fixed assets
€821k▲ 56.6%
Current assets
€13.35M▼ 11.2%
Equity and liabilities €14.17M
Equity
€2.30M▼ 6.9%
Provisions
€93k=
Debt
€11.77M▼ 9.4%
The debt ratio falls from 83.5% to 83.1%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€2.03M▲
2024 · €1.77M
Cash flow
€1.52M▲
2024 · €1.24M
Solvency
16.3%▲
2024 · 15.9%
Current ratio
1.14▼
2024 · 1.16
Quick ratio
1.10▼
2024 · 1.11
Debt / equity
5.11▼
2024 · 5.25
ROE
57.7%▲
2024 · 45.8%
ROA
9.4%▲
2024 · 7.3%
Interest coverage
891.73▲
2024 · 275.88
Debt
€11.77M▼
2024 · €12.99M
Debt ≤ 1 year
€11.70M▼
2024 · €12.97M
Income taxes
€450k▼
2024 · €491k
Staff costs
€4.24M▼
2024 · €4.85M
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€15.56M€14.17M▼
Fixed assets21/28€524k€821k▲
Intangible fixed assets21€427k€588k▲
Tangible fixed assets22/27€61k€210k▲
Plant, machinery and equipment23€15k€8k▼
Furniture and vehicles24€46k€46k▼
Other tangible fixed assets26-€156k
Financial fixed assets28€36k€23k▼
Affiliated companies280/1€22k€22k=
Participating interests280€22k€22k=
Other financial fixed assets284/8€14k€961▼
Amounts receivable and cash guarantees285/8€14k€961▼
Current assets29/58€15.03M€13.35M▼
Stocks and contracts in progress3€579k€476k▼
Stocks30/36€579k€476k▼
Raw materials and consumables30/31€160k€200k▲
Goods purchased for resale34€418k€277k▼
Amounts receivable within one year40/41€5.00M€6.26M▲
Trade receivables40€3.81M€3.62M▼
Other amounts receivable41€1.18M€2.64M▲
Cash at bank and in hand54/58€9.34M€6.53M▼
Deferred charges and accrued income490/1€114k€79k▼
Equity and liabilities
Total equity and liabilities10/49€15.56M€14.17M▼
Equity10/15€2.48M€2.30M▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€1.88M€1.88M=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€1.84M€1.84M=
Distributable reserves133€28k€28k=
Profit (loss) carried forward14€538k€367k▼
Provisions and deferred taxes16€93k€93k=
Provisions for liabilities and charges160/5€93k€93k=
Other liabilities and charges164/5€93k€93k=
Amounts payable17/49€12.99M€11.77M▼
Amounts payable within one year42/48€12.97M€11.70M▼
Trade debts44€2.61M€4.34M▲
Suppliers440/4€2.61M€4.34M▲
Advances received on contracts in progress46€1.61M€412k▼
Taxes, remuneration and social security45€4.63M€4.76M▲
Taxes450/3€3.82M€4.10M▲
Remuneration and social security454/9€810k€664k▼
Other amounts payable47/48€4.13M€2.18M▼
Accrued charges and deferred income492/3€16k€75k▲
Income statement
Code20242025
Operating income70/76A€17.97M€18.13M▲
Turnover70€17.43M€17.65M▲
Own construction capitalised72€368k€324k▼
Other operating income74€172k€154k▼
Operating charges60/66A€16.31M€16.29M▼
Goods for resale, raw materials and consumables60€2.44M€2.25M▼
Purchases600/8€2.59M€2.15M▼
Change in stocks: decrease (increase)609€-148k€102k▲
Services and other goods61€8.87M€9.51M▲
Remuneration, social security and pensions62€4.85M€4.24M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€103k€193k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-10k
Other operating charges640/8€52k€103k▲
Non-recurring operating charges66A-€2k
Operating profit (loss)9901€1.66M€1.84M▲
Financial income75/76B€292k€192k▼
Recurring financial income75€292k€192k▼
Income from current assets751€89k€73k▼
Other financial income752/9€203k€118k▼
Financial charges65/66B€331k€253k▼
Recurring financial charges65€331k€253k▼
Debt charges650€6k€2k▼
Other financial charges652/9€324k€251k▼
Profit (loss) for the period before taxes9903€1.62M€1.78M▲
Income taxes67/77€491k€450k▼
Taxes670/3€491k€450k▼
Profit (loss) for the period9904€1.13M€1.33M▲
Profit (loss) for the period to be appropriated9905€1.13M€1.33M▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.04M€1.87M▼
Profit (loss) brought forward from the previous period14P€905k€538k▼
Profit to be distributed694/7€1.50M€1.50M=
Return on contributions (dividend)694€1.50M€1.50M=
Social balance
Average headcount (FTE)908770.158.2▼
The notes to these accounts (68 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €3.24M
Net result €3.24M after one loss-making year.
17-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 196 days late
30-09
Financial
Back to profitnet €756k
Net result €756k after one loss-making year.
30-09
Financial
Equity above €2MEq €2.61M ▲40.8%
Equity rises from €1.85M to €2.61M.
2019
30-09
Financial
Weakest financial yearnet €-95k ▼112%
Net result drops to €-95k, the lowest in the series; recovery starts the following year.
23-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 directors, no change since 2022
De corte Stefaan
CurrentManaging director · since 01-04-2022
Van Vaerenbergh Ilse
CurrentDirector · since 01-04-2022
Smartphoto group NV
CurrentDirector · since 20-12-2021 · Legal entity
Benny SINTOBIN
CurrentEnige bestuurder · since 15-09-2021
Wim Jacqueline Roger Decraene
Not recently confirmedManaging director · since 05-03-2019
BVBA LYSSNA
Not recently confirmedDirector · since 03-01-2017 · Legal entity
01-04-2022
De corte Stefaan: Resigned as Director
01-04-2022
De corte Stefaan: Appointed as Managing director
01-04-2022
Van Vaerenbergh Ilse: Appointed as Director
20-12-2021
Smartphoto group NV: Appointed as Director
20-12-2021
Mul'ina BV: Resigned as Director
15-09-2021
Benny SINTOBIN: Appointed as Enige bestuurder
15-09-2021
Nathalie Sintobin: Resigned as Director
06-05-2021
Wim DECRAENE: Resigned as Director
06-05-2021
Wim DECRAENE: Resigned as Managing director
05-03-2019
Benny SINTOBIN: Resigned as Managing director
05-03-2019
Wim Jacqueline Roger Decraene: Appointed as Managing director
05-03-2019
Nathalie Sintobin: Resigned as Managing director
03-01-2017
BVBA LYSSNA: Appointed as Director
03-01-2017
BVBA LYSSNA: Appointed as Gedelegeerd bestuurder
03-01-2017
Nathalie Sintobin: Resigned as Director
03-01-2017
Nathalie Sintobin: Resigned as Gedelegeerd bestuurder
19-11-2015
Benny SINTOBIN: Appointed as Managing director
19-11-2015
Nathalie Sintobin: Appointed as Director
19-11-2015
Nathalie Sintobin: Appointed as Managing director
07-03-2011
Ronald Boeckx: Resigned as Managing director
Location & real-estate footprint
Registered office, Roeselare · 1 establishment unit since 2008
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.
Kwadestraat 1558800 RoeselareGround area
7,646 m²
Building footprint
828 m²
Volume, LiDAR
6 m³
Parcel 36017A1278/00X003, Flanders · tallest building 0.6 m. Linked by address, not a title deed.
1 establishment unit
Nayan
since 20082.173.788.311
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36017A1278/00X003 | Flanders | 7,646 m² | 1 · 828 m² | 0.6 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Statutory auditor
4 auditors| Deloitte BedrijfsrevisorenCurrent Statutory auditor | 10-07-2023 → present |
Show 3 earlier auditors
| BDO Bedrijfsrevisoren BV Statutory auditor | - → 28-09-2022 |
| Bruno Claeys Statutory auditor succeeded by Deloitte Bedrijfsrevisoren in 2023 | 15-09-2021 → 10-07-2023 |
| Grant Thornton Bedrijfsrevisoren CVBA Statutory auditor | 28-09-2022 → 10-07-2023 |
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Of 29,880 companies in sector 62200 we hold annual accounts for 18,324. 4,258 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded16-09-2008
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
58290Other software publishing
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.