Nayaro Asset Management
ActiveSummary
Nayaro Asset Management has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7k and a net result of €-3k. Equity is growing by ~51.6% per year across the filed fiscal years. Its solvency ranks better than 30% of 2692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▼-84
Solvency47▼-30
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
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
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 · 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 · 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
22.2%
Return on assets
-8.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 4 filingsDeviation from the deadline
2025
24 d late
2024
14 d late
2023
23 d late
2022
30 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-3k
2024 · €8k
2022: €-1k
2023: €1k
2024: €8k
2022 → 2025
Working capital
€-21k▼ 1,843%
2024 · €-1k
2022: €-8k
2023: €-8k
2024: €-1k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€599-€2k▲ 236%€10k▲ 391%€7k▼ 28.3%
Operating result€-1k-€2k€11k▲ 613%€-3k
Net result€-1k-€1k€8k▲ 456%€-3k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €11k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31k
Fixed assets
€27k ▲ 177%
Current assets
€4k ▼ 48.5%
Equity and liabilities €32k
Equity
€7k ▼ 28.3%
Debt
€25k ▲ 176%
Debt's share of the balance-sheet total rises from 47.6% to 77.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€4k▼
2024 · €14k
Cash flow
€4k▼
2024 · €11k
Current ratio
0.16▼
2024 · 0.88
Debt to equity
3.49▲
2024 · 0.91
ROE
-39.4%▼
2024 · 79.6%
ROA
-8.8%▼
2024 · 41.7%
Debt ≤ 1 year
€25k▲
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€19k€32k▲
Formation expenses20€1k€798▼
Fixed assets21/28€10k€27k▲
Intangible fixed assets21€4k€21k▲
Tangible fixed assets22/27€6k€6k▲
Furniture and vehicles24€6k€6k▲
Current assets29/58€8k€4k▼
Amounts receivable within one year40/41€7k€794▼
Trade receivables40€7k-
Other amounts receivable41-€794
Cash at bank and in hand54/58€1k€3k▲
Deferred charges and accrued income490/1-€237
Equity and liabilities
Total equity and liabilities10/49€19k€32k▲
Equity10/15€10k€7k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€8k€5k▼
Amounts payable17/49€9k€25k▲
Amounts payable within one year42/48€9k€25k▲
Trade debts44€48€48=
Suppliers440/4€48€48=
Taxes, remuneration and social security45€4k-
Taxes450/3€4k-
Other amounts payable47/48€5k€25k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€6k▲
Other operating charges640/8€85€180▲
Gross operating margin9900€14k€4k▼
Operating profit (loss)9901€11k€-3k▼
Financial charges65/66B€10-
Recurring financial charges65€10-
Profit (loss) for the period before taxes9903€11k€-3k▼
Income taxes67/77€3k-
Profit (loss) for the period9904€8k€-3k▼
Profit (loss) for the period to be appropriated9905€8k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€5k▼
Profit (loss) brought forward from the previous period14P€15€8k▲
The notes to these accounts (9 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
31-12
Financial
Weakest financial yearnet €-3k ▼136%
Net result drops to €-3k, the lowest in the series.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 14 days late
2024
31-12
Financial
Highest result since 2022net €8k ▲456%
Operating result €11k, net result €8k, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 23 days late
2023
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mons · 1 establishment unit since 2021
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.
Chemin de la Cure d'Air 167000 MonsGround area
1,919 m²
Building footprint
118 m²
Volume, LiDAR
665 m³
Parcel 53404B0454/00N002, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
-
since 20212.320.272.464
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53404B0454/00N002 | Wallonia | 1,919 m² | 1 · 118 m² | 8.1 m · 2 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
984500450SFD0E3ELC96
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Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 3,643 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2021
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.