Financials
- Fiscal year
- 2025
- Total assets
- €12,057
- Loss
- -€191
- Solvency
- -1.6%
THE NAÏM’S
ActiveSummary
The computed 12-month bankruptcy probability of THE NAÏM’S is 4.2% (elevated). The 2025 annual accounts show negative equity (-€191) and a net result of -€191. Its solvency ranks better than 25% of 16155 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Limited-service restaurants, excluding mobile food services
NACE 56112Limited-service restaurants NACE 56102
1 site
Size
€12,057total assets 2025
- Equity
- -€191
- Loss
- -€191
Turnover not published (abridged schema)
Structure
Accounts 21 d early0 of 1 deed read
Why 46- Founded in 2024- Sector Food and beverage service activities (NACE 56)- Liquidity: current ratio 0.98, cash €356- Negative equity -€191Show the evidence
Checked score
Score 2025
46
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 19% of its sector peers (NACE 56, micro)
Performance against the sector, not lower risk
Financial strength
Weak
Solvency
23
equity -1.6% of total assets
Liquidity
4
short-term debt 101.6% · cash 2.9%
Profitability
34
return on assets -1.6%
Bankruptcy probability, 12 months
4.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
08-2025: 3.9%lowest value
09-2025: 4.0%▲ +2.3% vs 08-2025
10-2025: 4.4%▲ +9.6% vs 09-2025
11-2025: 4.6%▲ +3.3% vs 10-2025
12-2025: 4.9%▲ +7.1% vs 11-2025
01-2026: 4.9%● 0.0% vs 12-2025
02-2026: 5.3%▲ +8.9% vs 01-2026
03-2026: 5.3%▼ -0.5% vs 02-2026
04-2026: 5.1%▼ -3.7% vs 03-2026
05-2026: 5.1%▲ +0.7% vs 04-2026
06-2026: 5.6%▲ +8.6% vs 05-2026highest value
07-2026: 5.6%● 0.0% vs 06-2026highest value
08-2026: 4.2%▼ -24.5% vs 07-2026
09-2026: 4.2%● 0.0% vs 08-2026
10-2026: 4.2%● 0.0% vs 09-2026
- Founded in 2024 raises the probability for this profile
- Sector Food and beverage service activities (NACE 56) raises the probability
- Liquidity: current ratio 0.98, cash €356 raises the probability
- Negative equity -€191 raises the probability
No credit on open account
Liquidity short (current ratio 0.98; short-term debt: 101.6% and cash: 2.9% of total assets), and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 25%, liquidity 5%, profitability 28%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 10-07-2026, 21 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
21 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 10-07-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Limited-service restaurants, excluding mobile food servicesNACE 56112
- Founded
- 02-07-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark Roughly what is this company worth?Value indication
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.