Result
€36,731 €36,731
Back in profit in 2025, after a loss of €25,204 in 2024.
HOLDING NAOS
Lifetime
6 annual accounts with figures on one time axispeak €101,923 (2023)
€21,752▲ €57,344
lowest -€25,204 (2024)
€36,731▲ €61,935
peak €161,179 (2025)
€161,179▲ 29.5%
€441,953▼ 12.0%
Board2 names since 2019
2 directorsLEROY Olivier Simon Thérèse Marie Marc and 1 other
Documentsfilings and deeds
05-06-202656 days before the deadline
2025financial year
Gross margin from -€35,593 to €21,752Back to profit: €36,731Equity from €124,448 to €161,179Cash from €11,211 to €24,105
Key points
from the 2025 annual accountsDebts
€441,953 73% of the balance sheet
Financial debts 75%Suppliers 0%Taxes and wages 3%Other 22%
€140,000 of the debts are secured on the company's own assets. In 2021 that was €358,333.
Filings
6 annual accounts since 2020
The last five annual accounts were filed 3 to 56 days before the end of the period.
Checked score
89
Excellent
Financially stronger than 46% of micro companies in advertising and market research (NACE 73)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 11,229 companies (NACE 73, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.4%▲ +0.1 percentage points vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025highest value
07-2025: 0.2%▼ -0.2 percentage points vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.3%▲ +0.1 percentage points vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.2%▼ -0.1 percentage points vs 06-2026lowest value
08-2026: 0.2%● unchanged vs 07-2026lowest value
09-2026: 0.2%● unchanged vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Founded in 2019
lowers risk
Size: total assets €603,131
Figures for financial year 2025 (filed on 05-06-2026)
Sector: Advertising, market research and public relations activities (NACE 73)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 73, micro). It does better than 31% of them on solvency, 46% on liquidity, 30% on profitability and 76% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit verdict
Credit of up to €14,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.41 (0.64 in 2024), below 1. Short-term debt is 10.8% and cash 4% of total assets. 73.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 05-06-2026, 56 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
56 days early
2024
33 days early
2023
5 days early
2022
3 days early
2021
16 days early
2020
24 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 23 days before the deadline. In the sector (NACE 73), the median for financial year 2024 was 6 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 15 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- LEROY Olivier Simon Thérèse Marie Marc founderdeed of 28-11-2019
- MERGEAI Julien Luc Isabelle founderdeed of 28-11-2019
Shares in 1 company, NAOS ATELIER
Board & ownershipRecent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0738435264
Amendment of the articles
General meeting of 30-05-2023 · Gazette deed
First establishment
Quai de Coronmeuse 32, Liège
Incorporation
Founders: LEROY Olivier Simon Thérèse Marie Marc (comparant) and MERGEAI Julien Luc Isabelle (comparant) · Founding capital of €28,000, 280 shares · Appointments: LEROY Olivier Simon Thérèse Marie Marc (director) and MERGEAI Julien Luc Isabelle (director) · published on 28-11-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| HOLDING NAOS Liège | €603,131 | €21,752 | 26.7% | - |
| BELL-C Wevelgem | €722,713 | €18,382 | 0.1% | - |
| LVC Immo en Management Nijlen | €626,228 | €28,748 | 5.8% | - |
| Ann Van Nuffelen Sint-Pieters-Leeuw | €782,886 | €16,970 | 92.1% | - |
| GAUKEMA HR CONSULTING Arendonk | €532,849 | €23,589 | 2.8% | - |
| Ben Van Houdt Arendonk | €423,303 | €27,376 | 34.4% | - |
| Michael Cool Motorsport Dendermonde | €551,409 | €34,844 | -5.0% | - |
These companies have the same main activity as HOLDING NAOS: public relations and communication consultancy (NACE 73300). They are comparable in size and age: total assets between €423,000 and €783,000, founded between 2018 and 2020.
Official details
Source: KBO- Status
- Active since 26-11-2019Normal situation
- Activity
- Public relations and communication consultancyNACE 73300and 1 other
- Establishment unit
- 2.297.743.2254000 Liège, since 01-01-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2025
Annual accounts 2025
- ≈ €130,000estimated
- €603,131▼ 3.7%
- Filing
- Filed on 05-06-2026, 56 days before the end of the filing period
Insights on HOLDING NAOS
Solvency rose in 2025 from 19.9% to 26.7% because of the retained profit and lower debts.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about HOLDING NAOS
- What is the company number of HOLDING NAOS?
- The company number of HOLDING NAOS is 0738.435.264. The VAT number is the same number with BE in front: BE 0738.435.264.
- Where is HOLDING NAOS based?
- The registered office is at Quai de Coronmeuse 32, 4000 Liège.Company details
- What does HOLDING NAOS do?
- According to the KBO register, the main activity is public relations and communication consultancy (NACE 73300).
- What is the legal form of HOLDING NAOS?
- HOLDING NAOS is a private limited company (BV).
- When was HOLDING NAOS founded?
- HOLDING NAOS was founded on 26-11-2019.
- Is HOLDING NAOS still active?
- Yes, HOLDING NAOS is an active enterprise in the KBO register.
- What is the turnover of HOLDING NAOS?
- The turnover in financial year 2025 is ≈ €130,000. This figure is estimated from the gross margin of €21,752 and 40 comparable companies (NACE 73300). It probably lies between €57,000 and €220,000. It is a rough estimate. In financial year 2024 turnover was €0.Financials
- Is HOLDING NAOS profitable?
- In financial year 2025, HOLDING NAOS made a profit of €36,731.
- Where can I find the annual accounts of HOLDING NAOS?
- HOLDING NAOS filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of HOLDING NAOS due?
- HOLDING NAOS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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