NOYA
ActiveSummary
NOYA has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.9m and a net result of €198,419. Equity is growing by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 90% of 2356 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €170,000 at 30 days acceptable
Liquidity ample (current ratio 16.26 against 13.3 in 2024; short-term debt: 5.9% and cash: 46.3% of total assets), and 6.1% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer 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
93.9%
Return on assets
10%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
27 d late
2023
79 d late
2022
90 d late
2021
31 d late
2020
90 d late
2019
116 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 66 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€1.9m▲ 12.0%
2024 · €1.7m
Total assets
€2.0m▲ 10.3%
2024 · €1.8m
Net result
€198,419▼ 2.6%
2024 · €203,622
Working capital
€1.8m▲ 13.3%
2024 · €1.6m
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€349,381€234,207▼ 33.0%€307,888▲ 31.5%€354,653▲ 15.2%
Net result€204,541€63,324▼ 69.0%€203,622▲ 222%€198,419▼ 2.6%
Equity€848,083=€1.4m▲ 64.1%€1.5m▲ 4.5%€1.7m▲ 14.0%€1.9m▲ 12.0%
Total assets€1.2m=€1.5m▲ 23.1%€1.6m▲ 7.2%€1.8m▲ 15.2%€2.0m▲ 10.3%
Debt€331,489=€60,401▼ 81.8%€101,096▲ 67.4%€134,375▲ 32.9%€120,678▼ 10.2%
Working capital€748,490=€1.3m▲ 71.9%€1.4m▲ 6.0%€1.6m▲ 16.2%€1.8m▲ 13.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2024 Net result +222% on 2023. Cause not known from the registers.
- 2023 Net result -69% on 2022. Cause not known from the registers.
- 2022 Equity +64% on 2021. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.0m
Fixed assets
€66,302 ▼ 18.0%
Current assets
€1.9m ▲ 11.6%
Equity and liabilities €2.0m
Equity
€1.9m ▲ 12.0%
Debt
€120,678 ▼ 10.2%
Debt's share of the balance-sheet total falls from 7.5% to 6.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€369,236▲
2024 · €326,581
Cash flow
€213,002▼
2024 · €222,315
Current ratio
16.26▲
2024 · 13.30
Debt to equity
0.06▼
2024 · 0.08
ROE
10.7%▼
2024 · 12.3%
ROA
10.0%▼
2024 · 11.4%
Interest coverage
327.24▲
2024 · 209.83
Debt ≤ 1 year
€117,555▼
2024 · €128,725
Income taxes
€159,548▲
2024 · €105,157
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,792 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
3.2%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,792 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €1,243 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €23,934 | €20,387 | €18,693 | €14,583 | ▼ 22.0% |
| Other operating charges640/8 | - | €8,179 | €1,666 | €3,207 | €3,570 | ▲ 11.3% |
| Gross operating margin9900 | - | €381,495 | €256,260 | €329,788 | €372,806 | ▲ 13.0% |
| Operating profit (loss)9901 | - | €349,381 | €234,207 | €307,888 | €354,653 | ▲ 15.2% |
| Financial income75/76B | - | - | €1,203 | €2,448 | €4,443 | ▲ 81.5% |
| Recurring financial income75 | - | - | €1,203 | €2,448 | €4,443 | ▲ 81.5% |
| Financial charges65/66B | - | €4,879 | €19,459 | €1,556 | €1,128 | ▼ 27.5% |
| Recurring financial charges65 | - | €4,879 | €19,459 | €1,556 | €1,128 | ▼ 27.5% |
| Profit (loss) for the period before taxes9903 | - | €344,503 | €215,950 | €308,780 | €357,967 | ▲ 15.9% |
| Income taxes67/77 | - | €139,962 | €152,626 | €105,157 | €159,548 | ▲ 51.7% |
| Profit (loss) for the period9904 | - | €204,541 | €63,324 | €203,622 | €198,419 | ▼ 2.6% |
| Profit (loss) for the period to be appropriated9905 | - | €204,541 | €63,324 | €203,622 | €198,419 | ▼ 2.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €1.5m | €1.6m | €1.8m | €2.0m | ▲ 10.3% |
| Formation expenses20 | - | - | €0 | €0 | €0 | - |
| Fixed assets21/28 | €99,594 | €105,439 | €91,877 | €80,884 | €66,302 | ▼ 18.0% |
| Intangible fixed assets21 | - | - | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €99,594 | €105,439 | €91,877 | €80,884 | €66,302 | ▼ 18.0% |
| Land and buildings22 | €49,443 | €47,673 | €47,162 | €46,650 | €46,139 | ▼ 1.1% |
| Plant, machinery and equipment23 | €23,341 | €18,188 | €12,842 | €10,193 | €7,773 | ▼ 23.7% |
| Furniture and vehicles24 | €22,175 | €37,261 | €30,715 | €24,041 | €12,390 | ▼ 48.5% |
| Other tangible fixed assets26 | €4,635 | €2,317 | €1,159 | €0 | €0 | - |
| Current assets29/58 | €1.1m | €1.3m | €1.5m | €1.7m | €1.9m | ▲ 11.6% |
| Amounts receivable after more than one year29 | - | €61,866 | €46,068 | €30,032 | €13,733 | ▼ 54.3% |
| Other amounts receivable291 | - | €61,866 | €46,068 | €30,032 | €13,733 | ▼ 54.3% |
| Amounts receivable within one year40/41 | - | - | €108,596 | €52,311 | €20,078 | ▼ 61.6% |
| Other amounts receivable41 | - | - | €108,596 | €52,311 | €20,078 | ▼ 61.6% |
| Current investments50/53 | €202,475 | €212,856 | €212,856 | €212,856 | €962,936 | ▲ 352% |
| Cash at bank and in hand54/58 | €871,796 | €1.1m | €1.1m | €1.4m | €914,864 | ▼ 35.2% |
| Deferred charges and accrued income490/1 | €5,709 | €3,272 | €3,151 | €4,405 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €1.5m | €1.6m | €1.8m | €2.0m | ▲ 10.3% |
| Equity10/15 | €848,083 | €1.4m | €1.5m | €1.7m | €1.9m | ▲ 12.0% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | €18,600 | - | - | - | - | - |
| Issued capital100 | €18,600 | - | - | - | - | - |
| Revaluation surpluses12 | - | €10,381 | €10,381 | €10,381 | €10,381 | = |
| Reserves13 | €306,860 | €806,860 | €869,860 | €1.1m | €1.2m | ▲ 15.8% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | - | - | - |
| Legal reserve130 | €1,860 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | €305,000 | €805,000 | €868,000 | €1.1m | €1.2m | ▲ 15.8% |
| Profit (loss) carried forward14 | €522,623 | €556,028 | €556,353 | €556,975 | €585,394 | ▲ 5.1% |
| Amounts payable17/49 | €331,489 | €60,401 | €101,096 | €134,375 | €120,678 | ▼ 10.2% |
| Amounts payable within one year42/48 | €331,489 | €60,401 | €101,096 | €128,725 | €117,555 | ▼ 8.7% |
| Trade debts44 | €7,211 | €1,933 | €6,175 | €15,342 | €357 | ▼ 97.7% |
| Suppliers440/4 | €7,211 | €1,933 | €6,175 | €15,342 | €357 | ▼ 97.7% |
| Taxes, remuneration and social security45 | €18,361 | €58,468 | €94,921 | €113,384 | €117,199 | ▲ 3.4% |
| Taxes450/3 | €18,361 | €58,468 | €94,921 | €113,384 | €117,199 | ▲ 3.4% |
| Other amounts payable47/48 | €305,917 | - | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €5,650 | €3,122 | ▼ 44.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | - | €204,541 | €63,324 | €203,622 | €198,419 | ▼ 2.6% |
| + Depreciation and write-downs630 | - | €23,934 | €20,387 | €18,693 | €14,583 | ▼ 22.0% |
| Operating cash flow (approximation) | - | €228,475 | €83,712 | €222,315 | €213,002 | ▼ 4.2% |
| Investment in fixed assets (approximation) | - | -€29,780 | -€6,825 | -€7,700 | €0 | ▲ 100% |
| Change in cash | - | €197,041 | €24,905 | €318,961 | -€497,839 | ▼ 256% |
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
18-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 79 days late
2023
29-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 90 days late
2022
31-12
Financial
Liquidity times 7current ratio 22.30
Current ratio from 3.26 to 22.30; short-term debt falls from €331,489 to €60,401.
31-12
Financial
Equity above €1mEq €1.4m ▲64.1%
Equity rises from €848,083 to €1.4m.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
31-12
Financial
Back to profitnet €210,356
Net result €210,356 after 2 loss-making years.
24-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 116 days late
2019
27-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 119 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 61 days late
2016
07-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 68 days late
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, Ukkel
Ground area
1,918 m²
Building footprint
226 m²
Volume, LiDAR
1,349 m³
Parcel 21614E0067/00D005, Brussels · tallest building 24.8 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614E0067/00D005 | Brussels | 1,918 m² | 1 · 226 m² | 24.8 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.
Recognitions · licences · registrations
Legal Entity Identifier
549300W8QOTF8F2E4O53
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Of 105 companies in sector 86109 we hold annual accounts for 83. 53 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
Founded16-02-2009
Fiscal year end31-12
Activities, NACEBEL 2025
86109Human health activities
86220Specialist medical practice
E-invoicing
Reachable via Peppol
Peppol ID
0208:0809827165
Also
9925:BE0809827165
Registered
06-05-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.