GROUPE NOVAIS
ActiveSummary
The computed 12-month bankruptcy probability of GROUPE NOVAIS is 1.7% (moderate). The 2025 annual accounts show equity of €385k and a net result of €217k. Its solvency ranks better than 55% of 10359 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+5
Solvency67▲+19
Growth78
Track record82
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days only on tighter terms
Liquidity ample (current ratio 2.42 against 1.7 in 2024; short-term debt: 26.4% and cash: 51.2% of total assets), but 58.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 →
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
41.7%
Return on assets
23.5%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
1 d early
2024
36 d early
← 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
Equity
€385k▲ 129%
2024 · €168k
2024: €168k
2024 → 2025
Total assets
€924k▲ 27.5%
2024 · €724k
2024: €724k
2024 → 2025
Net result
€217k▲ 56.1%
2024 · €139k
2024: €139k
2024 → 2025
Working capital
€345k▲ 120%
2024 · €157k
2024: €157k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€168k-€385k▲ 129%
Operating result€199k-€313k▲ 57.5%
Net result€139k-€217k▲ 56.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 57% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €924k
Fixed assets
€335k ▼ 2.1%
Current assets
€589k ▲ 53.9%
Equity and liabilities €924k
Equity
€385k ▲ 129%
Debt
€539k ▼ 3.2%
Debt's share of the balance-sheet total falls from 76.8% to 58.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€374k▲
2024 · €246k
Cash flow
€277k▲
2024 · €186k
Current ratio
2.42▲
2024 · 1.70
Debt to equity
1.40▼
2024 · 3.31
ROE
56.4%▼
2024 · 82.7%
ROA
23.5%▲
2024 · 19.2%
Interest coverage
10.50▲
2024 · 8.27
Debt ≤ 1 year
€244k▲
2024 · €226k
Debt > 1 year
€294k▼
2024 · €326k
Income taxes
€61k▲
2024 · €30k
Staff costs
€328k▲
2024 · €206k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€724k€924k▲
Fixed assets21/28€342k€335k▼
Tangible fixed assets22/27€342k€335k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€2k€40k▲
Leasing and similar rights25€10k-
Other tangible fixed assets26€328k€294k▼
Current assets29/58€383k€589k▲
Amounts receivable within one year40/41€50k€104k▲
Trade receivables40€16k€10k▼
Other amounts receivable41€34k€95k▲
Cash at bank and in hand54/58€321k€473k▲
Deferred charges and accrued income490/1€12k€12k▲
Equity and liabilities
Total equity and liabilities10/49€724k€924k▲
Equity10/15€168k€385k▲
Contributions10/11€30k€30k=
Profit (loss) carried forward14€138k€355k▲
Amounts payable17/49€556k€539k▼
Amounts payable after more than one year17€326k€294k▼
Financial debts170/4€326k€294k▼
Amounts payable within one year42/48€226k€244k▲
Current portion of amounts payable after more than one year42€54k€60k▲
Trade debts44€69k€83k▲
Suppliers440/4€69k€83k▲
Taxes, remuneration and social security45€101k€101k▼
Taxes450/3€37k€47k▲
Remuneration and social security454/9€64k€53k▼
Other amounts payable47/48€980-
Accrued charges and deferred income492/3€5k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€206k€328k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€60k▲
Other operating charges640/8€1k€699▼
Non-recurring operating charges66A-€5k
Gross operating margin9900€453k€708k▲
Operating profit (loss)9901€199k€313k▲
Financial income75/76B€38€497▲
Recurring financial income75€38€497▲
Financial charges65/66B€30k€36k▲
Recurring financial charges65€30k€36k▲
Profit (loss) for the period before taxes9903€169k€278k▲
Income taxes67/77€30k€61k▲
Profit (loss) for the period9904€139k€217k▲
Profit (loss) for the period to be appropriated9905€139k€217k▲
Appropriation of the result
Profit (loss) to be appropriated9906€139k€355k▲
Profit (loss) brought forward from the previous period14P-€138k
Profit to be distributed694/7€980-
Return on contributions (dividend)694€980-
Social balance
Average headcount (FTE)9087-11.0
The notes to these accounts (13 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €200kEq €385k ▲129%
2 profitable years in a row build equity to €385k.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
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, Hannut · 1 establishment unit since 2024
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.
Rue de Huy 544280 HannutGround area
2,923 m²
Building footprint
2,927 m²
Volume, LiDAR
11,134 m³
Parcel 64034B0596/00W005, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GROUPE NOVAIS
since 20242.354.886.024
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64034B0596/00W005 | Wallonia | 2,923 m² | 1 · 2,927 m² | 7.3 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
254900BDWGKKT5P8DJ90
Similar companies · same sector, comparable size
Marc VANDEVEN
BE 0429.464.233
Leuven · Eq €385,133
MODEL MOD.
BE 0416.369.728
Charleroi · Eq €385,356
B. MICHAUX
BE 0447.720.524
Bastogne · Eq €385,380
CB SPORT
BE 0448.910.555
Heist-op-den-Berg · Eq €385,485
REUTER
BE 0426.727.348
Blankenberge · Eq €384,272
Of 6,503 companies in sector 47716 we hold annual accounts for 2,441. 1,554 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
Founded05-01-2024
Fiscal year end31-12
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
13300Finishing of textiles
46424Wholesale trade
47721Retail sale of footwear
47792Retail sale of second-hand clothing
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.