HOLDING NAOS
ActiveHOLDING NAOS has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €161k and a net result of €37k. Equity is growing by ~35% per year across the filed fiscal years. Its solvency ranks better than 36% of 709 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▲+39
Solvency52▲+7
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.41 against 0.64 in 2024; short-term debt: 10.8% and cash: 4% of total assets), and 73.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
26.7%
Return on assets
6.1%
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 05-06-2026, 56 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
56 d early
2024
33 d early
2023
5 d early
2022
3 d early
2021
16 d early
2020
24 d early
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€0
2023 · €0
2022: €0
2023: €0
2022 → 2024
EBIT margin
Not included in this filing
Net result
€37k
2024 · €-25k
2020: €9k
2021: €8k
2022: €2k
2023: €102k
2024: €-25k
2020 → 2025
Working capital
€-38k▼ 34.3%
2024 · €-28k
2020: €12k
2021: €3k
2022: €-10k
2023: €79k
2024: €-28k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0€0€0
Equity€46k-€48k▲ 4.2%€150k▲ 213%€124k▼ 16.8%€161k▲ 29.5%
Operating result€-6k-€-15k▼ 143%€101k€-37k€21k
Net result€8k-€2k▼ 77.2%€102k▲ 5,188%€-25k€37k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €21k after a loss of €37k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €603k
Fixed assets
€576k=
Current assets
€27k▼ 46.6%
Equity and liabilities €603k
Equity
€161k▲ 29.5%
Debt
€442k▼ 12.0%
The debt ratio falls from 80.1% to 73.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
26.7%▲
2024 · 19.9%
Current ratio
0.41▼
2024 · 0.64
Quick ratio
0.41▼
2024 · 0.64
Debt / equity
2.74▼
2024 · 4.04
ROE
22.8%▲
2024 · -20.3%
ROA
6.1%▲
2024 · -4.0%
Debt
€442k▼
2024 · €502k
Debt ≤ 1 year
€65k▼
2024 · €79k
Debt > 1 year
€363k▼
2024 · €416k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€627k€603k▼
Formation expenses20€0€0=
Fixed assets21/28€576k€576k=
Tangible fixed assets22/27€0-
Assets under construction and advance payments27€0-
Financial fixed assets28€576k€576k=
Current assets29/58€50k€27k▼
Amounts receivable within one year40/41€39k€3k▼
Trade receivables40€39k€2k▼
Other amounts receivable41€44€380▲
Cash at bank and in hand54/58€11k€24k▲
Deferred charges and accrued income490/1€334€0▼
Equity and liabilities
Total equity and liabilities10/49€627k€603k▼
Equity10/15€124k€161k▲
Contributions10/11€28k€28k=
Profit (loss) carried forward14€96k€133k▲
Amounts payable17/49€502k€442k▼
Amounts payable after more than one year17€416k€363k▼
Financial debts170/4€384k€331k▼
Other amounts payable178/9€32k€32k=
Amounts payable within one year42/48€79k€65k▼
Current portion of amounts payable after more than one year42€51k€53k▲
Trade debts44€668€304▼
Suppliers440/4€668€304▼
Taxes, remuneration and social security45€27k€12k▼
Taxes450/3€27k€12k▼
Remuneration and social security454/9€321€0▼
Other amounts payable47/48€109€109=
Accrued charges and deferred income492/3€8k€14k▲
Income statement
Code20242025
Turnover70€0-
Non-recurring operating income76A€28-
Goods, raw materials, services and sundry goods60/61€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€204-
Other operating charges640/8€869€1k▲
Gross operating margin9900€-36k€22k▲
Operating profit (loss)9901€-37k€21k▲
Financial income75/76B€22k€30k▲
Recurring financial income75€22k€30k▲
Financial charges65/66B€11k€14k▲
Recurring financial charges65€11k€14k▲
Profit (loss) for the period before taxes9903€-25k€37k▲
Profit (loss) for the period9904€-25k€37k▲
Profit (loss) for the period to be appropriated9905€-25k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€96k€133k▲
Profit (loss) brought forward from the previous period14P€122k€96k▼
The notes to these accounts (14 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €37k
Net result €37k after one loss-making year.
31-12
Financial
Equity above €150kEq €161k ▲29.5%
Equity rises from €124k to €161k.
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-25k ▼125%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2020net €102k ▲5188%
Operating result €101k, net result €102k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 2.54
Current ratio from 0.65 to 2.54.
31-12
Financial
Equity above €100kEq €150k ▲213%
4 profitable years in a row build equity to €150k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Liège · 1 establishment unit since 2020
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.
Quai de Coronmeuse 324000 LiègeGround area
959 m²
Building footprint
842 m²
Volume, LiDAR
4,539 m³
Parcel 62810B0199/00K002, Wallonia · tallest building 12.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HOLDING NAOS
since 20202.297.743.225
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62810B0199/00K002 | Wallonia | 959 m² | 1 · 842 m² | 12.1 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.
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,900. 5,411 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-11-2019
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.
Contact details
2 entriesE-mail:Ateliernaos@gmail.com
Phone:+32495197826