Equity
€131,882 from €397,977 in 2023
Equity fell by 67% in 2 years.
NAYGO
Lifetime
8 annual accounts with figures on one time axispeak €484,442 (2023)
€406,439▲ 19.8%
lowest -€144,755 (2024)
-€91,339▲ €53,416
peak €397,977 (2023)
€131,882▼ 47.9%
€809,828▲ 21.2%
peak 8.2 FTE (2025)
8.2 FTE
Board2 names since 2023
2 directorsde JAEGER Sabine and 1 other
Documentsfilings and deeds
23-07-20268 days before the deadline
2025abbreviated format
Gross margin from €339,387 to €406,439Loss of €91,339Dividend €30,000Equity from €253,222 to €131,882Debts from €668,211 to €809,828Cash from €227,454 to €67,226
Key points
from the 2025 annual accountsLosses
-€236,094 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Debts
€809,828 86% of the balance sheet
Financial debts 19%Suppliers 1%Taxes and wages 9%Other 71%
Of this, €651,718 falls due within a year.
Staff
8.2 FTE from 15.7 in 2024
Between 2024 and 2025, 48% of the full-time equivalents disappeared.
Filings
8 annual accounts 4 late
The 2021 accounts came latest: 25 days after the end of the period.
Position in the sector
-€91,339
Lower net result than 95% of companies in personal services. Sector median €5,248 · 1,380 companies.
Checked score
52
Fair
Financially stronger than 23% of micro companies in personal services (NACE 96)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.1% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 7,626 companies (NACE 96, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: 0.1%▲ +0.1 percentage points vs 06-2025
08-2025: 0.2%▲ +0.1 percentage points vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.3%▲ +0.1 percentage points vs 03-2026
05-2026: 0.2%▼ -0.1 percentage points vs 04-2026
06-2026: 0.3%▲ +0.1 percentage points vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 2.1%▲ +1.8 percentage points vs 07-2026highest value
09-2026: 2.1%● unchanged vs 08-2026highest value
10-2026: 2.1%● unchanged vs 09-2026highest value
11-2026: 2.1%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Loss of €91,339, the second in a row (financial year 2025)
Equity €131,882 (14.0% of total assets)
Size: 8.2 FTE, total assets €941,710
lowers risk
Founded in 2003
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 96, micro). It does better than 40% of them on solvency, 17% on liquidity, 23% on profitability and 14% on growth.
The bankruptcy probability was computed on 09-11-2026 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 moderate class on 30-06-2025, 2.4% 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, 2,450 companies had the same profile as NAYGO has now. Each dot stands for 7 companies, two years later.
93.2%
were still trading
5.0%
stopped another way
1.5%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of NAYGO itself is higher: 2.1% within 12 months. It rests on far more data about NAYGO than the profile alone.
Test of the method
The method was tested on the 497,447 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 2,450 companies, not a prediction for NAYGO. 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 €6,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.73 (0.86 in 2024), below 1. Short-term debt is 69.2% and cash 7.1% of total assets. 86% of the assets are financed with debt and provisions.
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
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€91,339
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 23-07-2026, 8 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
8 days early
2024
6 days early
2023
5 days late
2022
21 days late
2021
25 days late
2020
4 days early
2019
13 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 7 days after the deadline. In the sector (NACE 96), the median for financial year 2024 was on the deadline day, and 48% of those companies filed 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. The company usually files around 6 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0480185434
Changes of role: PALACIOS VARGAS Inti (director) and de JAEGER Sabine (director)
“Effectuer toutes prestations dans le domaine de l’esthétique et du bien-être (massages); Gérer et exploiter…” (deed in French) · General meeting of 05-04-2023 · Gazette deed
First establishment
Mon être sensiel, Rue des Vennes,Strainchamps 24, Fauvillers
Incorporation
published on 20-05-2003 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| NAYGO Fauvillers | €0.9m | €406,439 | 14.0% | 8.2 |
| DARTOIS GUILLEMINS Liège | €1.2m | €640,729 | 29.6% | 7.7 |
| THALGO GROUP BELUX Ans | €1.0m | €671,184 | 38.5% | 7.3 |
| Science of Beauty Hasselt | €0.5m | €402,462 | -4.5% | 6.6 |
| VIA K & CO Keerbergen | €1.1m | €384,344 | 24.3% | 3.8 |
| NAILISA Seraing | €0.4m | €313,927 | -6.5% | 6.4 |
| Cosmétique Hasselt | €0.6m | €296,785 | -8.5% | 5.4 |
These companies have the same main activity as NAYGO: beauty care and other beauty treatments (NACE 96220). They are comparable in size and age: total assets between €354,000 and €1.2m, founded between 1991 and 2016.
Official details
Source: KBO- Status
- Active since 12-05-2003Normal situation
- Activity
- Beauty care and other beauty treatmentsNACE 96220and 2 others
- Establishment unit
- 2.131.821.6566637 Fauvillers, since 19-06-2003
- Financial year end
- 31 December
- Peppol
- Reachable since 17-10-2025
Annual accounts 2025
- ≈ €960,000estimated
- €941,710▲ 2.2%
- Employeeson 31-12-2025
- 13▼ 31.6%
- Filing
- Filed on 23-07-2026, 8 days before the end of the filing period
Insights on NAYGO
NAYGO files the abbreviated format. That format states no turnover. The gross margin rose from €232,272 in 2018 to €406,439 in 2025.
The balance sheet grew most from 2019 to 2021 through fixed assets.
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 NAYGO
- What is the company number of NAYGO?
- The company number of NAYGO is 0480.185.434. The VAT number is the same number with BE in front: BE 0480.185.434.
- Where is NAYGO based?
- The registered office is at Rue des Vennes,Strainchamps 24, 6637 Fauvillers.Company details
- What does NAYGO do?
- According to the KBO register, the main activity is beauty care and other beauty treatments (NACE 96220).
- What is the legal form of NAYGO?
- NAYGO is a private limited company (BV).
- When was NAYGO founded?
- NAYGO was founded on 12-05-2003.
- Is NAYGO still active?
- Yes, NAYGO is an active enterprise in the KBO register.
- How many employees does NAYGO have?
- NAYGO had an average of 8.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of NAYGO?
- The turnover in financial year 2025 is ≈ €960,000. This figure is estimated from the gross margin of €406,439 and 2,275 comparable companies of the same size. It probably lies between €580,000 and €1.6m. It is a rough estimate.
- Is NAYGO profitable?
- In financial year 2025, NAYGO made a loss of €91,339.
- Where can I find the annual accounts of NAYGO?
- NAYGO filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of NAYGO due?
- NAYGO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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