N.C. & Co
ActiveSummary
The computed 12-month bankruptcy probability of N.C. & Co is 1.6% (moderate). The 2024 annual accounts show equity of €67k and a net result of €8k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 94% of 18936 sector peers (fiscal year 2024). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability82=
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 9.74 against 23.06 in 2023; short-term debt: 9.2% and cash: 85.4% of total assets), and 14.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
27 d early
2023
30 d early
2022
30 d early
2021
30 d early
2020
4 d early
2019
27 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€67k▲ 14.1%
2023 · €58k
2018: €41k
2019: €39k▼ -4.8% vs 2018
2020: €38k▼ -2.1% vs 2019lowest in 7 years
2021: €48k▲ +23.6% vs 2020
2022: €51k▲ +8.3% vs 2021
2023: €58k▲ +13.5% vs 2022
2024: €67k▲ +14.1% vs 2023highest in 7 years
2018 → 2024
Total assets
€78k▲ 22.0%
2023 · €64k
2018: €53k
2019: €41k▼ -22.9% vs 2018
2020: €39k▼ -5.6% vs 2019lowest in 7 years
2021: €48k▲ +24.8% vs 2020
2022: €55k▲ +14.0% vs 2021
2023: €64k▲ +15.8% vs 2022
2024: €78k▲ +22.0% vs 2023highest in 7 years
2018 → 2024
Net result
€8k▲ 18.3%
2023 · €7k
2018: €7k
2019: €-2k▼ -127% vs 2018lowest in 7 years
2020: €-822▲ +58.3% vs 2019
2021: €9k▲ +1204% vs 2020highest in 7 years
2022: €4k▼ -56.6% vs 2021
2023: €7k▲ +76.7% vs 2022
2024: €8k▲ +18.3% vs 2023
2018 → 2024
Working capital
€62k▲ 2.1%
2023 · €61k
2018: €24k
2019: €21k▼ -12.7% vs 2018lowest in 7 years
2020: €28k▲ +34.4% vs 2019
2021: €41k▲ +49.3% vs 2020
2022: €50k▲ +21.5% vs 2021
2023: €61k▲ +22.5% vs 2022
2024: €62k▲ +2.1% vs 2023highest in 7 years
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€38k-€48k▲ 23.6%€51k▲ 8.3%€58k▲ 13.5%€67k▲ 14.1%
2020: €38klowest in 5 years
2021: €48k▲ +23.6% vs 2020
2022: €51k▲ +8.3% vs 2021
2023: €58k▲ +13.5% vs 2022
2024: €67k▲ +14.1% vs 2023highest in 5 years
Operating result€-821-€9k€4k▼ 56.1%€8k▲ 98.4%€11k▲ 39.6%
2020: €-821lowest in 5 years
2021: €9k▲ +1209% vs 2020
2022: €4k▼ -56.1% vs 2021
2023: €8k▲ +98.4% vs 2022
2024: €11k▲ +39.6% vs 2023highest in 5 years
Net result€-822-€9k€4k▼ 56.6%€7k▲ 76.7%€8k▲ 18.3%
2020: €-822lowest in 5 years
2021: €9k▲ +1204% vs 2020highest in 5 years
2022: €4k▼ -56.6% vs 2021
2023: €7k▲ +76.7% vs 2022
2024: €8k▲ +18.3% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 40% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €78k
Fixed assets
€8k
Current assets
€70k
Equity and liabilities €78k
Equity
€67k ▲ 14.1%
Debt
€11k ▲ 105%
Debt's share of the balance-sheet total rises from 8.7% to 14.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€14k▲
2023 · €11k
Cash flow
€11k▲
2023 · €10k
Current ratio
9.74▼
2023 · 23.06
Quick ratio
9.40▼
2023 · 22.38
Debt to equity
0.17▲
2023 · 0.09
ROE
12.3%▲
2023 · 11.9%
ROA
10.5%▼
2023 · 10.9%
Interest coverage
162.46▲
2023 · 87.92
Debt ≤ 1 year
€7k▲
2023 · €3k
Debt > 1 year
€4k▲
2023 · €3k
Income taxes
€3k▲
2023 · €842
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 · 2024 against 2023 · 42 lines
Balance sheet
Code20232024
Assets
Total assets20/58€64k€78k▲
Fixed assets21/28-€8k
Tangible fixed assets22/27-€8k
Plant, machinery and equipment23-€8k
Current assets29/58€64k€70k▲
Stocks and contracts in progress3€2k€2k▲
Stocks30/36€2k€2k▲
Amounts receivable within one year40/41€276-
Trade receivables40€50-
Other amounts receivable41€226-
Cash at bank and in hand54/58€61k€67k▲
Deferred charges and accrued income490/1€730€573▼
Equity and liabilities
Total equity and liabilities10/49€64k€78k▲
Equity10/15€58k€67k▲
Contributions10/11€19k€19k=
Reserves13€40k€48k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€38k€46k▲
Amounts payable17/49€6k€11k▲
Amounts payable after more than one year17€3k€4k▲
Other amounts payable178/9€3k€4k▲
Amounts payable within one year42/48€3k€7k▲
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€2k€6k▲
Taxes450/3€2k€6k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€291€531▲
Gross operating margin9900€11k€15k▲
Operating profit (loss)9901€8k€11k▲
Financial income75/76B€4€0▼
Recurring financial income75€4€0▼
Financial charges65/66B€126€86▼
Recurring financial charges65€126€86▼
Profit (loss) for the period before taxes9903€8k€11k▲
Income taxes67/77€842€3k▲
Profit (loss) for the period9904€7k€8k▲
Profit (loss) for the period to be appropriated9905€7k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€8k▲
Transfer to equity691/2€7k€8k▲
To other reserves6921€7k€8k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €5k | €3k | €3k | €3k | ▼ 4.7% |
| Other operating charges640/8 | - | €260 | €275 | €291 | €531 | ▲ 82.5% |
| Gross operating margin9900 | €7k | €14k | €8k | €11k | €15k | ▲ 28.5% |
| Operating profit (loss)9901 | €-821 | €9k | €4k | €8k | €11k | ▲ 39.6% |
| Financial income75/76B | - | €15 | - | €4 | €0 | ▼ 88.2% |
| Recurring financial income75 | €1 | €15 | - | €4 | €0 | ▼ 88.2% |
| Financial charges65/66B | - | €40 | €56 | €126 | €86 | ▼ 31.2% |
| Recurring financial charges65 | €1 | €40 | €56 | €126 | €86 | ▼ 31.2% |
| Profit (loss) for the period before taxes9903 | €-822 | €9k | €4k | €8k | €11k | ▲ 40.7% |
| Income taxes67/77 | - | - | - | €842 | €3k | ▲ 226% |
| Profit (loss) for the period9904 | €-822 | €9k | €4k | €7k | €8k | ▲ 18.3% |
| Profit (loss) for the period to be appropriated9905 | €-822 | €9k | €4k | €7k | €8k | ▲ 18.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €39k | €48k | €55k | €64k | €78k | ▲ 22.0% |
| Fixed assets21/28 | €11k | €6k | €3k | - | €8k | - |
| Intangible fixed assets21 | €9k | €6k | €3k | - | - | - |
| Tangible fixed assets22/27 | €2k | €404 | €120 | - | €8k | - |
| Land and buildings22 | - | €156 | €33 | - | - | - |
| Plant, machinery and equipment23 | - | - | - | - | €8k | - |
| Furniture and vehicles24 | - | €248 | €86 | - | - | - |
| Current assets29/58 | €28k | €42k | €52k | €64k | €70k | ▲ 8.8% |
| Stocks and contracts in progress3 | €4k | €4k | €3k | €2k | €2k | ▲ 25.5% |
| Stocks30/36 | - | €4k | €3k | €2k | €2k | ▲ 25.5% |
| Amounts receivable within one year40/41 | €2k | €307 | €92 | €276 | - | - |
| Trade receivables40 | - | - | - | €50 | - | - |
| Other amounts receivable41 | - | €307 | €92 | €226 | - | - |
| Cash at bank and in hand54/58 | €21k | €37k | €47k | €61k | €67k | ▲ 9.1% |
| Deferred charges and accrued income490/1 | - | €1k | €2k | €730 | €573 | ▼ 21.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €39k | €48k | €55k | €64k | €78k | ▲ 22.0% |
| Equity10/15 | €38k | €48k | €51k | €58k | €67k | ▲ 14.1% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €20k | €29k | €33k | €40k | €48k | ▲ 20.7% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | - | €27k | €31k | €38k | €46k | ▲ 21.7% |
| Amounts payable17/49 | €344 | €911 | €4k | €6k | €11k | ▲ 105% |
| Amounts payable after more than one year17 | - | - | €2k | €3k | €4k | ▲ 52.4% |
| Other amounts payable178/9 | - | - | €2k | €3k | €4k | ▲ 52.4% |
| Amounts payable within one year42/48 | €344 | €911 | €2k | €3k | €7k | ▲ 158% |
| Trade debts44 | €303 | €676 | €2k | €1k | €1k | ▲ 0.8% |
| Suppliers440/4 | - | €676 | €2k | €1k | €1k | ▲ 0.8% |
| Taxes, remuneration and social security45 | - | €235 | €211 | €2k | €6k | ▲ 247% |
| Taxes450/3 | - | €235 | €211 | €2k | €6k | ▲ 247% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-822 | €9k | €4k | €7k | €8k | ▲ 18.3% |
| + Depreciation and write-downs630 | €8k | €5k | €3k | €3k | €3k | ▼ 4.7% |
| Operating cash flow (approximation) | €7k | €14k | €7k | €10k | €11k | ▲ 11.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | €15k | €11k | €14k | €6k | ▼ 59.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity times 6current ratio 81.10
Current ratio from 13.45 to 81.10; short-term debt falls from €2k to €344.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
23-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
6 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, Pelt · 1 establishment unit since 2012
Ground area
397 m²
Building footprint
194 m²
Volume, LiDAR
1,463 m³
Parcel 72025B0834/00S000, Flanders · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Het Vredegerecht
since 20122.208.951.405
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72025B0834/00S000 | Flanders | 397 m² | 1 · 194 m² | 13.0 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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
Food safety, FASFC
1 sitePelt2.208.951.405
Similar companies · same sector, comparable size
Intense-Créations
BE 0695.643.220
Seraing · Eq €66,656
LEKKERJETPITTA
BE 0844.912.956
Schaarbeek · Eq €66,713
ARAS COFFEE
BE 0738.766.054
Brussel · Eq €66,599
THE BUILDING V.T.
BE 0783.290.242
Charleroi · Eq €66,777
BOLTRA CONSTRUCT
BE 0457.241.271
Diksmuide · Eq €66,537
Of 14,009 companies in sector 56301 we hold annual accounts for 4,892. 3,947 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-03-2012
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
Scores and ratios are computed by Checked and are not a credit decision.