NESTOYA
ActiveThe computed 12-month bankruptcy probability of NESTOYA is 5.1% (elevated). The 2026 annual accounts show negative equity (€-110k) and a net result of €-69k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 6% of 40 sector peers (fiscal year 2026). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2026
7
/ 100
Critical▼ -14 vs 2025
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability100▲+100
Solvency34▼-5
Growth32▼-26
Stability94
Bankruptcy probability, 12 months
5.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.52 against 0.75 in 2025), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
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 2026Solvency, return and age of the figures
Solvency
-72.1%
Return on assets
-44.8%
Age of the figures
6 mo
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 →
raises risk · Negative equity
Equity is negative for financial year 2026: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2026Equity per financial year
2223242526
2022 to 2026 · latest year -€110k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 07-09-2026, 54 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2026
54 d early
2025
15 d early
2024
on the day
2023
63 d early
2022
3 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-69k
2025 · €19k
2022: €19k
2023: €-3k
2024: €-103k
2025: €19k
2022 → 2026
Working capital
€-126k▼ 126%
2025 · €-56k
2022: €41k
2023: €39k
2024: €-74k
2025: €-56k
2022 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€44k-€42k▼ 6.2%€-61k€-42k▲ 31.7%€-110k▼ 164%
Operating result€27k-€-2k€-101k▼ 4,178%€21k€-68k
Net result€19k-€-3k€-103k▼ 3,639%€19k€-69k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2026: a loss of €68k after €21k in 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €153k
Fixed assets
€16k▼ 32.6%
Current assets
€137k▼ 17.5%
Key figures and ratios
EBITDA
€-60k▼
2025 · €29k
Cash flow
€-61k▼
2025 · €27k
Solvency
-72.1%▼
2025 · -22.0%
Current ratio
0.52▼
2025 · 0.75
Quick ratio
0.52▼
2025 · 0.75
Debt / equity
-2.39▲
2025 · -5.54
ROE
62.1%▲
2025 · -46.3%
ROA
-44.8%▼
2025 · 10.2%
Interest coverage
-66.62▼
2025 · 24.17
Debt
€263k▲
2025 · €232k
Debt ≤ 1 year
€263k▲
2025 · €222k
Debt > 1 year
€785▼
2025 · €10k
Staff costs
€115k▼
2025 · €116k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€190k€153k▼
Fixed assets21/28€24k€16k▼
Tangible fixed assets22/27€24k€16k▼
Furniture and vehicles24€24k€16k▼
Current assets29/58€166k€137k▼
Amounts receivable after more than one year29€157k-
Trade receivables290€157k-
Other amounts receivable291€40-
Amounts receivable within one year40/41-€88k
Trade receivables40-€88k
Cash at bank and in hand54/58€9k€49k▲
Equity and liabilities
Total equity and liabilities10/49€190k€153k▼
Equity10/15€-42k€-110k▼
Contributions10/11€25k€25k=
Profit (loss) carried forward14€-67k€-135k▼
Amounts payable17/49€232k€263k▲
Amounts payable after more than one year17€10k€785▼
Financial debts170/4€10k€785▼
Amounts payable within one year42/48€222k€263k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€9k€1k▼
Suppliers440/4€9k€1k▼
Taxes, remuneration and social security45€28k€29k▲
Taxes450/3€12k€16k▲
Remuneration and social security454/9€17k€13k▼
Other amounts payable47/48€175k€223k▲
Income statement
Code20252026
Remuneration, social security and pensions62€116k€115k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▼
Other operating charges640/8€618€400▼
Gross operating margin9900€145k€56k▼
Operating profit (loss)9901€21k€-68k▼
Financial charges65/66B€1k€899▼
Recurring financial charges65€1k€899▼
Profit (loss) for the period before taxes9903€20k€-69k▼
Income taxes67/77€131-
Profit (loss) for the period9904€19k€-69k▼
Profit (loss) for the period to be appropriated9905€19k€-69k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-67k€-135k▼
Profit (loss) brought forward from the previous period14P€-86k€-67k▲
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (6 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 2027, expected by
2026
07-09
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
2025
16-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
31-03
Financial
Back to profitnet €19k
Net result €19k after 2 loss-making years.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
31-03
Financial
Weakest financial yearnet €-103k
Net result drops to €-103k, the lowest in the series; recovery starts the following year.
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 3 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-Pieters-Woluwe · 1 establishment unit since 2020
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.
Prins Boudewijnlaan 371150 Sint-Pieters-WoluweGround area
1,692 m²
Building footprint
338 m²
Volume, LiDAR
2,496 m³
Parcel 21682C0182/00N036, Brussels · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
NESTOYA
since 20202.309.379.661
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21682C0182/00N036 | Brussels | 1,692 m² | 1 · 338 m² | 12.0 m · 3 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.
Similar companies · same sector, comparable size
3Dinthebox
BE 0757.876.044
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ALPHA IT
BE 0568.470.082
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IT Experts
BE 0892.718.912
Eeklo · Eq €42k
3D DEVELOPPEMENT
BE 0775.821.638
Mons · Eq €42k
DIGIVISION
BE 0877.525.841
Geel · Eq €41k
Of 3,209 companies in sector 47400 we hold annual accounts for 1,793. 1,387 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2020
Fiscal year end31-03
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
62010Computer programming, consultancy and related activities
62100Computer programming
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.