N.A.M.
ActiveThe computed 12-month bankruptcy probability of N.A.M. is 1.5% (moderate). The 2025 annual accounts show equity of €13k and a net result of €2k. Equity is growing by ~32.2% per year across the filed fiscal years. Its solvency ranks better than 68% of 450 sector peers (fiscal year 2025). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability68▼-32
Solvency61▲+34
Growth78=
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.7 against 0.4 in 2024), and 54.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
6 signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
11 d late
2023
8 d late
2022
3 d late
2021
8 d late
2020
1 d early
2019
on the day
← 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€13k▲ 15.7%
2024 · €11k
2023: €6k
2024: €11k
2023 → 2025
Total assets
€29k▼ 35.9%
2024 · €45k
2023: €48k
2024: €45k
2023 → 2025
Net result
€2k▼ 67.8%
2024 · €6k
2023: €2k
2024: €6k
2023 → 2025
Working capital
€-5k▲ 76.5%
2024 · €-20k
2023: €-32k
2024: €-20k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€6k-€11k▲ 94.9%€13k▲ 15.7%
Operating result€2k-€6k▲ 239%€2k▼ 67.8%
Net result€2k-€6k▲ 241%€2k▼ 67.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 68% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €29k
Fixed assets
€18k▼ 43.2%
Current assets
€11k▼ 19.1%
Equity and liabilities €29k
Equity
€13k▲ 15.7%
Debt
€16k▼ 53.4%
The debt ratio falls from 74.7% to 54.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€4k▼
2024 · €12k
Cash flow
€4k▼
2024 · €12k
Solvency
45.6%▲
2024 · 25.3%
Current ratio
0.70▲
2024 · 0.40
Quick ratio
0.70▲
2024 · 0.40
Debt / equity
1.19▼
2024 · 2.96
ROE
13.6%▼
2024 · 48.7%
ROA
6.2%▼
2024 · 12.3%
Debt
€16k▼
2024 · €34k
Debt ≤ 1 year
€16k▼
2024 · €34k
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
Balance sheet
Code2025
Total assets
20/58€29k
Fixed assets
21/28€18k
Intangible fixed assets
21€15k
Tangible fixed assets
22/27€3k
Financial fixed assets
28€244
Current assets
29/58€11k
Amounts receivable within one year
40/41€6k
Cash & bank
54/58€5k
Total equity & liabilities
10/49€29k
Equity
10/15€13k
Contributions / capital
10/11€12k
Reserves
13€443
Accumulated profits (losses)
14€1k
Amounts payable
17/49€16k
Amounts payable within one year
42/48€16k
Income statement
Code2025
Gross operating margin
9900€4k
Operating result
9901€2k
Result before taxes
9903€2k
Net result for the period
9904€2k
Result to be appropriated
9905€2k
This is the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
31-12
Financial
Highest result since 2023net €6k ▲241%
Operating result €6k, net result €6k, both a record.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
28-11
State Gazette act
Director changes
Hilde KNOPS
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
12-04
State Gazette act
Capital & shares
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 40 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 2 have been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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ALJANA
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TAXI LEUVEN
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PANI - A.A.
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Of 6,663 companies in sector 49330 we hold annual accounts for 2,118. 1,812 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-03-1992
Fiscal year end31-12
Activities, NACEBEL
49320Taxi operation
49330On-demand passenger transport by chauffeured vehicle
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 2 actsNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 24-07-2026. Scores and ratios are computed by Checked and are not a credit decision.