NOY GROUP

Active

Private limited companyfounded 20233 yrs activeJozef Nellenslei 23, 2100 Antwerpen, BelgiumKBO/BCE: BE 0805.947.066

The computed 12-month bankruptcy probability of NOY GROUP is 2.3% (moderate). The 2025 annual accounts show equity of €31k and a net result of €7k. Its solvency ranks better than 31% of 11297 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

54 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability74▼-10

Solvency42▼-4

Growth52

Track record94

Bankruptcy probability, 12 months

2.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity short (current ratio 0.9 against 1.09 in 2024; short-term debt: 82.8% and cash: 34.6% of total assets), and 82.8% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 46

Relative position

BE, all sectors

reference

Sector 46

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

17.2%

Return on assets

3.8%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 2 filings

Deviation from the deadline

2025

29 d late

2024

4 d early

← before the deadline after the deadline →

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 months

Position in the running window

21-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€31k▲ 28.8%

2024 · €24k

2024: €24k

2024 → 2025

Total assets

€182k▲ 56.7%

2024 · €116k

2024: €116k

2024 → 2025

Net result

€7k▼ 51.1%

2024 · €14k

2024: €14k

2024 → 2025

Working capital

€-15k

2024 · €9k

2024: €9k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€24k-€31k▲ 28.8%

Operating result€19k-€11k▼ 43.1%

Net result€14k-€7k▼ 51.1%

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 43% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €182k

25.2%

74.8%

Fixed assets €46k▲ 195%

Current assets €136k▲ 35.3%

Equity and liabilities €182k

17.2%

82.8%

Equity €31k▲ 28.8%

Debt €151k▲ 64.1%

The debt ratio rises from 79.1% to 82.8%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€18k▼

2024 · €21k

Cash flow

€14k▼

2024 · €16k

Solvency

17.2%▼

2024 · 20.9%

Current ratio

0.90▼

2024 · 1.09

Quick ratio

0.44▲

2024 · 0.18

Debt / equity

4.82▲

2024 · 3.78

ROE

22.3%▼

2024 · 58.9%

ROA

3.8%▼

2024 · 12.3%

Interest coverage

9.91▼

2024 · 27.39

Debt

€151k▲

2024 · €92k

Debt ≤ 1 year

€151k▲

2024 · €92k

Income taxes

€2k▼

2024 · €4k

Staff costs

€95k▲

2024 · €60k

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€116k€182k▲

Fixed assets21/28€16k€46k▲

Tangible fixed assets22/27€16k€41k▲

Plant, machinery and equipment23€14k€37k▲

Furniture and vehicles24€2k€1k▼

Other tangible fixed assets26-€3k

Financial fixed assets28-€5k

Current assets29/58€101k€136k▲

Stocks and contracts in progress3€85k€70k▼

Stocks30/36€85k€70k▼

Amounts receivable within one year40/41-€4k

Trade receivables40-€673

Other amounts receivable41-€3k

Cash at bank and in hand54/58€16k€63k▲

Deferred charges and accrued income490/1€62€67▲

Equity and liabilities

Total equity and liabilities10/49€116k€182k▲

Equity10/15€24k€31k▲

Contributions10/11€10k€10k=

Reserves13€14k€21k▲

Distributable reserves133€14k€21k▲

Amounts payable17/49€92k€151k▲

Amounts payable within one year42/48€92k€151k▲

Financial debts43-€5k

Credit institutions430/8-€5k

Trade debts44€26k€55k▲

Suppliers440/4€26k€55k▲

Taxes, remuneration and social security45€7k€31k▲

Taxes450/3€5k€18k▲

Remuneration and social security454/9€3k€13k▲

Other amounts payable47/48€59k€61k▲

Income statement Code20242025

Remuneration, social security and pensions62€60k€95k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€7k▲

Other operating charges640/8€897€984▲

Gross operating margin9900€82k€114k▲

Operating profit (loss)9901€19k€11k▼

Financial income75/76B€13€5▼

Recurring financial income75€13€5▼

Financial charges65/66B€760€2k▲

Recurring financial charges65€760€2k▲

Profit (loss) for the period before taxes9903€18k€9k▼

Income taxes67/77€4k€2k▼

Profit (loss) for the period9904€14k€7k▼

Profit (loss) for the period to be appropriated9905€14k€7k▼

Appropriation of the result

Profit (loss) to be appropriated9906€14k€7k▼

Transfer to equity691/2€14k€7k▼

To other reserves6921€14k€7k▼

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

29-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 29 days late

2025

27-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

NBB filing

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, Antwerpen · 2 establishment units since 2023

establishment All 2 establishment units on the map

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.

Jozef Nellenslei 232100 Antwerpen

Ground area

444 m²

Building footprint

414 m²

Volume, LiDAR

2,426 m³

3 parcels, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.

2 establishment units

NOY GROUP

Bredabaan 596, 2170 AntwerpenAgents in the wholesale of food, beverages and tobacco

since 20232.349.685.933

Jozef Reusenslei 87a, 2150 Antwerpen

Artisanal bread and fresh pastry making

since 20262.384.911.779

3 parcels

Flanders 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11422C0197/00K006	Flanders	215 m²	1 · 215 m²	10.4 m · 1 fl.
11007B0037/00F003	Flanders	116 m²	1 · 116 m²	11.4 m · 2 fl.
11343A0600/00S004	Flanders	113 m²	1 · 83 m²	10.7 m · 3 fl.