NDAYI ESPOIR
ActiveThe computed 12-month bankruptcy probability of NDAYI ESPOIR is 4.1% (elevated). The 2025 annual accounts show equity of €51k and a net result of €16k. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 91% of 4488 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth85=
Track record100
Bankruptcy probability, 12 months
4.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Liquidity ample (current ratio 8.27 against 5.33 in 2024; short-term debt: 12.1% and cash: 51% of total assets), and 12.1% 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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
87.9%
Return on assets
27%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 7 filingsDeviation from the deadline
2025
24 d late
2024
30 d late
2023
28 d late
2022
95 d late
2021
on the day
2020
268 d late
2019
88 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€33k▲ 29.8%
2020 · €25k
2020: €25k
2020 → 2021
EBIT margin
37.3%▲ 20.2pp
2020 · 17.2%
2020: 17.2%
2020 → 2021
Net result
€16k▲ 40.9%
2024 · €11k
2019: €-5k
2020: €5k
2021: €11k
2022: €-4k
2023: €-9k
2024: €11k
2019 → 2025
Working capital
€51k▲ 126%
2024 · €22k
2019: €-2k
2020: €8k
2021: €23k
2022: €14k
2023: €11k
2024: €22k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€33k-
Equity€37k-€33k▼ 9.8%€24k▼ 27.8%€35k▲ 46.1%€51k▲ 44.4%
Operating result€12k-€-4k€-10k▼ 120%€10k€15k▲ 43.0%
Net result€11k-€-4k€-9k▼ 157%€11k€16k▲ 40.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 43% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €58k
Equity
€51k▲ 44.4%
Debt
€7k▼ 5.6%
The debt ratio falls from 17.4% to 12.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
87.9%▲
2024 · 82.6%
Current ratio
8.27▲
2024 · 5.33
Quick ratio
8.27▲
2024 · 5.33
Debt / equity
0.14▼
2024 · 0.21
ROE
30.8%▼
2024 · 31.5%
ROA
27.0%▲
2024 · 26.0%
Debt
€7k▼
2024 · €7k
Debt ≤ 1 year
€7k▲
2024 · €5k
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€43k€58k▲
Fixed assets21/28€15k-
Tangible fixed assets22/27€15k-
Furniture and vehicles24€15k-
Current assets29/58€28k€58k▲
Amounts receivable within one year40/41€5k€28k▲
Other amounts receivable41€5k€28k▲
Cash at bank and in hand54/58€23k€29k▲
Equity and liabilities
Total equity and liabilities10/49€43k€58k▲
Equity10/15€35k€51k▲
Contributions10/11€13k€13k=
Profit (loss) carried forward14€22k€38k▲
Amounts payable17/49€7k€7k▼
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€5k€7k▲
Current portion of amounts payable after more than one year42€4k€2k▼
Taxes, remuneration and social security45€1k€5k▲
Taxes450/3€1k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k-
Other operating charges640/8€654€808▲
Gross operating margin9900€19k€16k▼
Operating profit (loss)9901€10k€15k▲
Financial income75/76B€814€889▲
Recurring financial income75€814€889▲
Financial charges65/66B€88€90▲
Recurring financial charges65€88€90▲
Profit (loss) for the period before taxes9903€11k€16k▲
Profit (loss) for the period9904€11k€16k▲
Profit (loss) for the period to be appropriated9905€11k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€38k▲
Profit (loss) brought forward from the previous period14P€11k€22k▲
The notes to these accounts (3 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Highest result since 2019net €16k ▲40.9%
Operating result €15k, net result €16k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 216current ratio 442.46
Current ratio from 2.05 to 442.46; short-term debt falls from €14k to €26.
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 95 days late
2022
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
25-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 268 days late
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.96
Current ratio from 0.56 to 1.96.
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Jans-Molenbeek · 1 establishment unit since 2019
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.
Louis Mettewielaan 4491080 Sint-Jans-MolenbeekGround area
348 m²
Building footprint
166 m²
Volume, LiDAR
2,069 m³
Parcel 21524C0058/00Z010, Brussels · tallest building 17.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
NDAYI ESPOIR
since 20192.289.924.629
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21524C0058/00Z010 | Brussels | 348 m² | 1 · 166 m² | 17.5 m · 4 fl. |
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.
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H.G.F.
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Of 7,002 companies in sector 49320 we hold annual accounts for 2,712. 2,136 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-05-2019
Fiscal year end31-12
Activities, NACEBEL
49320Non-scheduled passenger transport by road
49390Land transport and transport via pipelines
49330On-demand passenger transport by chauffeured vehicle
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.