NOY GROEP
ActiveNOY GROEP has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €395k and a net result of €85k. Equity is growing by ~27.9% per year across the filed fiscal years. Its solvency ranks better than 66% of 1832 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-2
Solvency79▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 1.62 in 2024; short-term debt: 25.6% and cash: 16.3% of total assets), and 46.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 →
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
53.9%
Return on assets
11.6%
Age of the figures
9 mo
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 09-07-2026, 22 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
22 d early
2024
1 d early
2023
33 d early
2022
49 d late
2021
54 d late
2020
69 d late
2019
155 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€395k▲ 27.6%
2024 · €310k
2018: €20k
2019: €79k
2020: €191k
2021: €182k
2022: €181k
2023: €309k
2024: €310k
2018 → 2025
Total assets
€734k▲ 33.8%
2024 · €548k
2018: €146k
2019: €205k
2020: €395k
2021: €392k
2022: €266k
2023: €506k
2024: €548k
2018 → 2025
Net result
€85k▲ 22.6%
2024 · €70k
2018: €14k
2019: €72k
2020: €113k
2021: €-10k
2022: €44k
2023: €116k
2024: €70k
2018 → 2025
Working capital
€191k▲ 63.2%
2024 · €117k
2018: €-81k
2019: €5k
2020: €52k
2021: €-23k
2022: €50k
2023: €107k
2024: €117k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€182k-€181k▼ 0.5%€309k▲ 70.7%€310k▲ 0.2%€395k▲ 27.6%
Operating result€-6k-€70k€155k▲ 121%€107k▼ 31.0%€117k▲ 10.0%
Net result€-10k-€44k€116k▲ 162%€70k▼ 39.7%€85k▲ 22.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 10% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €734k
Fixed assets
€355k▲ 45.4%
Current assets
€378k▲ 24.6%
Equity and liabilities €734k
Equity
€395k▲ 27.6%
Debt
€339k▲ 42.0%
The debt ratio rises from 43.5% to 46.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€230k▲
2024 · €192k
Cash flow
€198k▲
2024 · €155k
Solvency
53.9%▼
2024 · 56.5%
Current ratio
2.01▲
2024 · 1.62
Quick ratio
2.01▲
2024 · 1.62
Debt / equity
0.86▲
2024 · 0.77
ROE
21.6%▼
2024 · 22.5%
ROA
11.6%▼
2024 · 12.7%
Interest coverage
29.19▼
2024 · 34.20
Debt
€339k▲
2024 · €238k
Debt ≤ 1 year
€188k▲
2024 · €187k
Debt > 1 year
€144k▲
2024 · €51k
Income taxes
€24k▼
2024 · €32k
Staff costs
€841k▲
2024 · €790k
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€548k€734k▲
Fixed assets21/28€244k€355k▲
Tangible fixed assets22/27€244k€355k▲
Plant, machinery and equipment23€1k€675▼
Furniture and vehicles24€243k€355k▲
Current assets29/58€304k€378k▲
Amounts receivable within one year40/41€149k€259k▲
Trade receivables40€132k€248k▲
Other amounts receivable41€17k€11k▼
Cash at bank and in hand54/58€154k€119k▼
Equity and liabilities
Total equity and liabilities10/49€548k€734k▲
Equity10/15€310k€395k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€289k€375k▲
Amounts payable17/49€238k€339k▲
Amounts payable after more than one year17€51k€144k▲
Financial debts170/4€51k€144k▲
Amounts payable within one year42/48€187k€188k▲
Current portion of amounts payable after more than one year42€44k€83k▲
Trade debts44€13k€11k▼
Suppliers440/4€13k€11k▼
Taxes, remuneration and social security45€130k€94k▼
Taxes450/3€95k€71k▼
Remuneration and social security454/9€35k€23k▼
Accrued charges and deferred income492/3-€7k
Income statement
Code20242025
Non-recurring operating income76A€2k€3k▲
Remuneration, social security and pensions62€790k€841k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€85k€112k▲
Other operating charges640/8€14k€16k▲
Non-recurring operating charges66A€3k-
Gross operating margin9900€998k€1.09M▲
Operating profit (loss)9901€107k€117k▲
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€101k€110k▲
Income taxes67/77€32k€24k▼
Profit (loss) for the period9904€70k€85k▲
Profit (loss) for the period to be appropriated9905€70k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€358k€375k▲
Profit (loss) brought forward from the previous period14P€289k€289k▲
Profit to be distributed694/7€69k-
Return on contributions (dividend)694€69k-
Social balance
Average headcount (FTE)908718.018.3▲
The notes to these accounts (11 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €116k ▲162%
Operating result €155k, net result €116k, both a record.
31-12
Financial
Equity above €200kEq €309k ▲70.7%
2 profitable years in a row build equity to €309k.
18-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 49 days late
2022
31-12
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
23-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 54 days late
2021
31-12
Financial
Weakest financial yearnet €-10k ▼108%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
08-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 69 days late
02-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 155 days late
2020
31-12
Financial
Equity above €150kEq €191k ▲143%
3 profitable years in a row build equity to €191k.
2019
31-12
Financial
Liquidity triplescurrent ratio 1.04
Current ratio from 0.36 to 1.04.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Willebroek · 1 establishment unit since 2017
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.
Dendermondsesteenweg 1802830 WillebroekGround area
304 m²
Building footprint
85 m²
Volume, LiDAR
705 m³
Parcel 12040A0604/00B000, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
NOY GROEP
since 20172.267.083.604
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12040A0604/00B000 | Flanders | 304 m² | 1 · 85 m² | 11.5 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.
Recognitions · licences · registrations
Legal Entity Identifier
6488X2V5VP1J9005BA84
Parcel delivery
Notified to the BIPT
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Of 12,603 companies in sector 49410 we hold annual accounts for 8,196. 5,529 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2017
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
53100Postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.