NPY
ActiveNPY has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €-16k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 55% of 16935 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
60
/ 100
Healthy▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency99▼-1
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.99 against 9.35 in 2024), and 35.7% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
64.3%
Return on assets
-42.9%
Age of the figures
8 mo
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€16k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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
4 d late
2024
20 d early
2023
27 d late
2022
on the day
2021
29 d late
2020
37 d early
2019
14 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€187k
EBIT margin
27.3%
Net result
€-16k▲ 38.6%
2024 · €-26k
2019: €33k
2020: €18k
2021: €19k
2022: €11k
2023: €2k
2024: €-26k
2019 → 2025
Working capital
€23k▼ 39.8%
2024 · €39k
2019: €28k
2020: €40k
2021: €57k
2022: €62k
2023: €63k
2024: €39k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€64k▲ 21.1%€65k▲ 2.4%€39k▼ 39.5%€24k▼ 40.0%
Operating result€25k-€17k▼ 32.6%€5k▼ 72.4%€-24k€-19k▲ 20.8%
Net result€19k-€11k▼ 41.8%€2k▼ 85.9%€-26k€-16k▲ 38.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €19k in 2025 against €24k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37k
Fixed assets
€2k▼ 32.3%
Current assets
€35k▼ 19.2%
Equity and liabilities €37k
Equity
€24k▼ 40.0%
Debt
€13k▲ 99.2%
The debt ratio rises from 14.3% to 35.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-18k▲
2024 · €-23k
Cash flow
€-14k▲
2024 · €-24k
Solvency
64.3%▼
2024 · 85.7%
Current ratio
2.99▼
2024 · 9.35
Quick ratio
2.99▼
2024 · 9.35
Debt / equity
0.56▲
2024 · 0.17
ROE
-66.7%▼
2024 · -65.2%
ROA
-42.9%▲
2024 · -55.9%
Interest coverage
-10.58▲
2024 · -14.18
Debt
€13k▲
2024 · €7k
Debt ≤ 1 year
€12k▲
2024 · €5k
Income taxes
€4▼
2024 · €353
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€46k€37k▼
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€243€439▲
Furniture and vehicles24€3k€2k▼
Current assets29/58€43k€35k▼
Amounts receivable within one year40/41€3k€4k▲
Other amounts receivable41€3k€4k▲
Current investments50/53€40k€26k▼
Cash at bank and in hand54/58€542€5k▲
Deferred charges and accrued income490/1€100-
Equity and liabilities
Total equity and liabilities10/49€46k€37k▼
Equity10/15€39k€24k▼
Contributions10/11€1k€1k=
Reserves13€57k€57k=
Distributable reserves133€57k€57k=
Profit (loss) carried forward14€-18k€-34k▼
Amounts payable17/49€7k€13k▲
Amounts payable within one year42/48€5k€12k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€197€395▲
Taxes450/3€197€395▲
Other amounts payable47/48€75€8k▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€720€540▼
Gross operating margin9900€-22k€-17k▲
Operating profit (loss)9901€-24k€-19k▲
Financial income75/76B€172€5k▲
Recurring financial income75€172€5k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-25k€-16k▲
Income taxes67/77€353€4▼
Profit (loss) for the period9904€-26k€-16k▲
Profit (loss) for the period to be appropriated9905€-26k€-16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-34k▼
Profit (loss) brought forward from the previous period14P€8k€-18k▼
The notes to these accounts (5 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-26k ▼1752%
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Meise · 1 establishment unit since 2018
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.
Vinkenlaan 281860 MeiseGround area
609 m²
Building footprint
143 m²
Volume, LiDAR
1,100 m³
2 parcels, Brussels, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
NPY
since 20182.277.823.878
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23050G0257/00V000 | Flanders | 440 m² | 1 · 82 m² | 11.6 m · 3 fl. |
| 21819D0143/00S005 | Brussels | 169 m² | 1 · 61 m² | 10.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 270 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 270 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,884 companies in sector 62200 we hold annual accounts for 18,321. 13,585 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-07-2018
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.