NAYIMA
ActiveSummary
NAYIMA has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €153k and a net result of €8k. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability56▼-38
Solvency89▼-6
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.83 against 3.38 in 2024; short-term debt: 34.7% and cash: 91.4% of total assets), and 36.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
63.7%
Return on assets
3.3%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-03-2026, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
42 d early
2023
22 d early
2022
47 d early
2021
51 d early
2020
15 d early
2019
28 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€153k▼ 7.8%
2024 · €166k
2018: €57k
2019: €29k▼ -48.8% vs 2018lowest in 8 years
2020: €82k▲ +180% vs 2019
2021: €100k▲ +22.1% vs 2020
2022: €112k▲ +12.5% vs 2021
2023: €119k▲ +6.3% vs 2022
2024: €166k▲ +39.4% vs 2023highest in 8 years
2025: €153k▼ -7.8% vs 2024
2018 → 2025
Total assets
€240k▲ 1.7%
2024 · €236k
2018: €202k
2019: €117k▼ -42.2% vs 2018lowest in 8 years
2020: €150k▲ +28.3% vs 2019
2021: €130k▼ -13.2% vs 2020
2022: €152k▲ +17.3% vs 2021
2023: €176k▲ +15.3% vs 2022
2024: €236k▲ +34.6% vs 2023
2025: €240k▲ +1.7% vs 2024highest in 8 years
2018 → 2025
Net result
€8k▼ 83.5%
2024 · €48k
2018: €49k
2019: €-27k▼ -155% vs 2018lowest in 8 years
2020: €53k▲ +298% vs 2019highest in 8 years
2021: €19k▼ -64.7% vs 2020
2022: €13k▼ -29.6% vs 2021
2023: €8k▼ -41.0% vs 2022
2024: €48k▲ +511% vs 2023
2025: €8k▼ -83.5% vs 2024
2018 → 2025
Working capital
€153k▼ 4.5%
2024 · €160k
2018: €17k
2019: €8k▼ -53.9% vs 2018lowest in 8 years
2020: €94k▲ +1099% vs 2019
2021: €111k▲ +18.7% vs 2020
2022: €124k▲ +11.1% vs 2021
2023: €122k▼ -1.6% vs 2022
2024: €160k▲ +31.1% vs 2023highest in 8 years
2025: €153k▼ -4.5% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€100k-€112k▲ 12.5%€119k▲ 6.3%€166k▲ 39.4%€153k▼ 7.8%
2021: €100klowest in 5 years
2022: €112k▲ +12.5% vs 2021
2023: €119k▲ +6.3% vs 2022
2024: €166k▲ +39.4% vs 2023highest in 5 years
2025: €153k▼ -7.8% vs 2024
Operating result€29k-€21k▼ 28.6%€15k▼ 25.7%€71k▲ 359%€15k▼ 78.6%
2021: €29k
2022: €21k▼ -28.6% vs 2021
2023: €15k▼ -25.7% vs 2022
2024: €71k▲ +359% vs 2023highest in 5 years
2025: €15k▼ -78.6% vs 2024lowest in 5 years
Net result€19k-€13k▼ 29.6%€8k▼ 41.0%€48k▲ 511%€8k▼ 83.5%
2021: €19k
2022: €13k▼ -29.6% vs 2021
2023: €8k▼ -41.0% vs 2022lowest in 5 years
2024: €48k▲ +511% vs 2023highest in 5 years
2025: €8k▼ -83.5% vs 2024
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 2025; 2025 is 79% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €240k
Fixed assets
€5k ▼ 53.2%
Current assets
€236k ▲ 4.0%
Equity and liabilities €240k
Equity
€153k ▼ 7.8%
Debt
€87k ▲ 24.1%
Debt's share of the balance-sheet total rises from 29.7% to 36.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€21k▼
2024 · €75k
Cash flow
€14k▼
2024 · €52k
Current ratio
2.83▼
2024 · 3.38
Debt to equity
0.57▲
2024 · 0.42
ROE
5.1%▼
2024 · 28.8%
ROA
3.3%▼
2024 · 20.2%
Interest coverage
3.95▼
2024 · 14.23
Debt ≤ 1 year
€83k▲
2024 · €67k
Income taxes
€4k▼
2024 · €19k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€236k€240k▲
Fixed assets21/28€10k€5k▼
Tangible fixed assets22/27€9k€4k▼
Plant, machinery and equipment23€2k€801▼
Furniture and vehicles24€7k€3k▼
Financial fixed assets28€900€900=
Current assets29/58€227k€236k▲
Amounts receivable within one year40/41€16k€5k▼
Trade receivables40€16k€0▼
Other amounts receivable41€2€5k▲
Cash at bank and in hand54/58€202k€220k▲
Deferred charges and accrued income490/1€9k€11k▲
Equity and liabilities
Total equity and liabilities10/49€236k€240k▲
Equity10/15€166k€153k▼
Contributions10/11€12k€12k=
Reserves13€109k€96k▼
Distributable reserves133€109k€96k▼
Profit (loss) carried forward14€45k€45k=
Amounts payable17/49€70k€87k▲
Amounts payable within one year42/48€67k€83k▲
Financial debts43€2k€104▼
Credit institutions430/8€2k€104▼
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€13k€3k▼
Taxes450/3€13k€3k▼
Other amounts payable47/48€51k€79k▲
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€717€746▲
Gross operating margin9900€76k€22k▼
Operating profit (loss)9901€71k€15k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€67k€12k▼
Income taxes67/77€19k€4k▼
Profit (loss) for the period9904€48k€8k▼
Profit (loss) for the period to be appropriated9905€48k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€92k€53k▼
Profit (loss) brought forward from the previous period14P€44k€45k▲
Transfer from equity791/2€2k€20k▲
Transfer to equity691/2€48k€7k▼
To other reserves6921€48k€7k▼
Profit to be distributed694/7€859€21k▲
Return on contributions (dividend)694€859€21k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12k | €4k | €2k | €4k | €6k | ▲ 49.3% |
| Other operating charges640/8 | - | €996 | €704 | €717 | €746 | ▲ 4.0% |
| Gross operating margin9900 | €42k | €25k | €18k | €76k | €22k | ▼ 71.0% |
| Operating profit (loss)9901 | €29k | €21k | €15k | €71k | €15k | ▼ 78.6% |
| Financial income75/76B | - | €4 | €216 | €1k | €2k | ▲ 41.4% |
| Recurring financial income75 | €0 | €4 | €216 | €1k | €2k | ▲ 41.4% |
| Financial charges65/66B | - | €2k | €4k | €5k | €5k | ▲ 2.0% |
| Recurring financial charges65 | €2k | €2k | €4k | €5k | €5k | ▲ 2.0% |
| Profit (loss) for the period before taxes9903 | €27k | €19k | €12k | €67k | €12k | ▼ 82.3% |
| Income taxes67/77 | €8k | €6k | €4k | €19k | €4k | ▼ 79.3% |
| Profit (loss) for the period9904 | €19k | €13k | €8k | €48k | €8k | ▼ 83.5% |
| Transfer from tax-exempt reserves789 | - | €0 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €22k | €13k | €8k | €48k | €8k | ▼ 83.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €130k | €152k | €176k | €236k | €240k | ▲ 1.7% |
| Fixed assets21/28 | €6k | €3k | €4k | €10k | €5k | ▼ 53.2% |
| Tangible fixed assets22/27 | €6k | €2k | €3k | €9k | €4k | ▼ 58.6% |
| Plant, machinery and equipment23 | - | €2k | €3k | €2k | €801 | ▼ 58.0% |
| Furniture and vehicles24 | - | €234 | €142 | €7k | €3k | ▼ 58.7% |
| Financial fixed assets28 | - | €900 | €900 | €900 | €900 | = |
| Current assets29/58 | €124k | €150k | €172k | €227k | €236k | ▲ 4.0% |
| Amounts receivable within one year40/41 | €2k | €16k | €22k | €16k | €5k | ▼ 70.4% |
| Trade receivables40 | - | €13k | €18k | €16k | €0 | ▼ 100% |
| Other amounts receivable41 | - | €3k | €5k | €2 | €5k | ▲ 207,146% |
| Cash at bank and in hand54/58 | €121k | €133k | €138k | €202k | €220k | ▲ 9.0% |
| Deferred charges and accrued income490/1 | - | €1k | €12k | €9k | €11k | ▲ 23.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €130k | €152k | €176k | €236k | €240k | ▲ 1.7% |
| Equity10/15 | €100k | €112k | €119k | €166k | €153k | ▼ 7.8% |
| Contributions10/11 | - | €12k | €12k | €12k | €12k | = |
| Reserves13 | €43k | €56k | €63k | €109k | €96k | ▼ 12.0% |
| Non-distributable reserves130/1 | - | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | - | €2k | €0 | - | - | - |
| Distributable reserves133 | - | €54k | €63k | €109k | €96k | ▼ 12.0% |
| Profit (loss) carried forward14 | €44k | €44k | €44k | €45k | €45k | = |
| Amounts payable17/49 | €30k | €40k | €56k | €70k | €87k | ▲ 24.1% |
| Amounts payable within one year42/48 | €13k | €26k | €50k | €67k | €83k | ▲ 24.3% |
| Financial debts43 | - | €132 | €92 | €2k | €104 | ▼ 94.4% |
| Credit institutions430/8 | - | €132 | €92 | €2k | €104 | ▼ 94.4% |
| Trade debts44 | €484 | €458 | €1k | €1k | €1k | ▲ 26.2% |
| Suppliers440/4 | - | €458 | €1k | €1k | €1k | ▲ 26.2% |
| Taxes, remuneration and social security45 | - | €8k | €14k | €13k | €3k | ▼ 76.1% |
| Taxes450/3 | - | €8k | €14k | €13k | €3k | ▼ 76.1% |
| Other amounts payable47/48 | - | €17k | €34k | €51k | €79k | ▲ 53.8% |
| Accrued charges and deferred income492/3 | - | €14k | €7k | €3k | €4k | ▲ 19.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19k | €13k | €8k | €48k | €8k | ▼ 83.5% |
| + Depreciation and write-downs630 | €12k | €4k | €2k | €4k | €6k | ▲ 49.3% |
| Operating cash flow (approximation) | €30k | €17k | €10k | €52k | €14k | ▼ 73.1% |
| Investment in fixed assets (approximation) | - | €-900 | €-3k | €-10k | €-859 | ▲ 91.1% |
| Change in cash | - | €12k | €5k | €64k | €18k | ▼ 71.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €150kEq €166k ▲39.4%
5 profitable years in a row build equity to €166k.
08-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €100kEq €112k ▲12.5%
3 profitable years in a row build equity to €112k.
10-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity triplescurrent ratio 9.61
Current ratio from 3.23 to 9.61; short-term debt falls from €42k to €13k.
15-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €53k
Net result €53k after one loss-making year.
30-09
Financial
Liquidity triplescurrent ratio 3.23
Current ratio from 1.09 to 3.23; short-term debt falls from €85k to €42k.
02-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
30-09
Financial
Weakest financial yearnet €-27k
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
05-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-03
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Zaventem · 1 establishment unit since 1999
Ground area
689 m²
Building footprint
104 m²
Volume, LiDAR
609 m³
Parcel 23082D0023/00M000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sint-Pancratiuslaan 49, 1933 Zaventem
since 19992.090.942.490
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23082D0023/00M000 | Flanders | 689 m² | 1 · 104 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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
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PNL COMPUTERS
BE 0472.958.835
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INFOMAT
BE 0460.190.566
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LESTERIUS
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Of 3,225 companies in sector 47400 we hold annual accounts for 1,807. 1,403 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-11-1998
Fiscal year end30-09
Activities, NACEBEL 2025
47400Retail sale of information and communication equipment
62100Computer programming
62200Computer consultancy and computer facilities management
Scores and ratios are computed by Checked and are not a credit decision.