EL NOUR
ActiveEL NOUR has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €339k and a net result of €113k. Equity is growing by ~39.6% per year across the filed fiscal years. Its solvency ranks better than 72% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability94▲+2
Solvency84▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days only on tighter terms
Liquidity ample (current ratio 2.56 against 2.0 in 2023; short-term debt: 38.7% and cash: 6.4% of total assets), and 40.7% of the assets are financed with debt.
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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-12-2025, 153 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
153 d late
2023
31 d late
2022
92 d late
2021
92 d late
2020
153 d late
2019
69 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€339k▲ 38.0%
2023 · €246k
2018: €66k
2019: €53k
2020: €79k
2021: €103k
2022: €176k
2023: €246k
2018 → 2024
Total assets
€572k▲ 18.6%
2023 · €482k
2018: €126k
2019: €135k
2020: €154k
2021: €207k
2022: €354k
2023: €482k
2018 → 2024
Net result
€113k▲ 26.8%
2023 · €89k
2018: €13k
2019: €-13k
2020: €26k
2021: €44k
2022: €104k
2023: €89k
2018 → 2024
Working capital
€346k▲ 45.6%
2023 · €238k
2018: €63k
2019: €44k
2020: €73k
2021: €92k
2022: €175k
2023: €238k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€79k-€103k▲ 30.2%€176k▲ 71.8%€246k▲ 39.4%€339k▲ 38.0%
Operating result€36k-€54k▲ 50.2%€124k▲ 131%€119k▼ 3.9%€146k▲ 22.7%
Net result€26k-€44k▲ 67.2%€104k▲ 137%€89k▼ 13.7%€113k▲ 26.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 23% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €572k
Fixed assets
€4k▼ 46.7%
Current assets
€568k▲ 19.7%
Equity and liabilities €572k
Equity
€339k▲ 38.0%
Debt
€233k▼ 1.6%
The debt ratio falls from 49.0% to 40.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€150k▲
2023 · €124k
Cash flow
€117k▲
2023 · €94k
Solvency
59.3%▲
2023 · 51.0%
Current ratio
2.56▲
2023 · 2.00
Quick ratio
1.96▲
2023 · 1.51
Debt / equity
0.69▼
2023 · 0.96
ROE
33.4%▼
2023 · 36.4%
ROA
19.8%▲
2023 · 18.5%
Interest coverage
123.58▲
2023 · 21.78
Debt
€233k▼
2023 · €237k
Debt ≤ 1 year
€222k▼
2023 · €237k
Income taxes
€31k▲
2023 · €24k
Staff costs
€77k▲
2023 · €65k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€482k€572k▲
Fixed assets21/28€8k€4k▼
Tangible fixed assets22/27€7k€3k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€3k€1k▼
Financial fixed assets28€2k€2k=
Current assets29/58€474k€568k▲
Stocks and contracts in progress3€117k€135k▲
Stocks30/36€117k€135k▲
Amounts receivable within one year40/41€341k€396k▲
Trade receivables40€202k€175k▼
Other amounts receivable41€138k€221k▲
Cash at bank and in hand54/58€16k€36k▲
Deferred charges and accrued income490/1€628€628=
Equity and liabilities
Total equity and liabilities10/49€482k€572k▲
Equity10/15€246k€339k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€225k€319k▲
Amounts payable17/49€237k€233k▼
Amounts payable within one year42/48€237k€222k▼
Trade debts44€152k€127k▼
Suppliers440/4€152k€127k▼
Taxes, remuneration and social security45€65k€75k▲
Taxes450/3€56k€75k▲
Remuneration and social security454/9€9k-
Other amounts payable47/48€20k€20k=
Accrued charges and deferred income492/3-€11k
Income statement
Code20232024
Remuneration, social security and pensions62€65k€77k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€5k€4k▼
Gross operating margin9900€193k€231k▲
Operating profit (loss)9901€119k€146k▲
Financial income75/76B€6€0▼
Recurring financial income75€6€0▼
Financial charges65/66B€6k€1k▼
Recurring financial charges65€6k€1k▼
Profit (loss) for the period before taxes9903€113k€145k▲
Income taxes67/77€24k€31k▲
Profit (loss) for the period9904€89k€113k▲
Profit (loss) for the period to be appropriated9905€89k€113k▲
Appropriation of the result
Profit (loss) to be appropriated9906€245k€339k▲
Profit (loss) brought forward from the previous period14P€156k€225k▲
Profit to be distributed694/7€20k€20k=
Directors or managers695€20k€20k=
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
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 153 days late
2024
31-12
Financial
Highest result since 2018net €113k ▲26.8%
Operating result €146k, net result €113k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Equity above €200kEq €246k ▲39.4%
4 profitable years in a row build equity to €246k.
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
31-12
Financial
Equity above €150kEq €176k ▲71.8%
3 profitable years in a row build equity to €176k.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
31-12
Financial
Equity above €100kEq €103k ▲30.2%
2 profitable years in a row build equity to €103k.
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 153 days late
2020
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
31-12
Financial
Weakest financial yearnet €-13k ▼199%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
28-02
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 212 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Antwerpen · 2 establishment units since 1994
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.
Wipstraat 3-52018 AntwerpenGround area
171 m²
Building footprint
76 m²
Volume, LiDAR
1,068 m³
2 parcels, Flanders · tallest building 15.4 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
EL NOUR
since 19942.066.286.476
El Nour
since 20052.147.001.166
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1119/00X004 | Flanders | 89 m² | - | - |
| 11003A0133/00K002 | Flanders | 81 m² | 1 · 76 m² | 15.4 m · 5 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
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
2 sitesAntwerpen2.066.286.476
Antwerpen2.147.001.166
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M & G
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Of 10,524 companies in sector 47110 we hold annual accounts for 5,860. 3,642 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-1994
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
52112
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.