N.F MOTORS
ActiveSummary
The computed 12-month bankruptcy probability of N.F MOTORS is 1.7% (moderate). The 2025 annual accounts show equity of €54k and a net result of €14k. Equity is growing by ~24.9% per year across the filed fiscal years. Its solvency ranks better than 49% of 11322 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82=
Solvency66▼-32
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.62 against 3.59 in 2024; short-term debt: 58.8% and cash: 0% of total assets), but 58.8% of the assets are financed with debt.
Credit advice 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
41.2%
Return on assets
10.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
28 d late
2024
3 d early
2023
2 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, micro schema
Equity
€54k▲ 35.1%
2024 · €40k
2023: €34k
2024: €40k
2023 → 2025
Total assets
€132k▲ 138%
2024 · €55k
2023: €68k
2024: €55k
2023 → 2025
Net result
€14k▲ 137%
2024 · €6k
2023: €9k
2024: €6k
2023 → 2025
Working capital
€48k▲ 21.1%
2024 · €39k
2023: €33k
2024: €39k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€34k-€40k▲ 17.4%€54k▲ 35.1%
Operating result€13k-€9k▼ 31.4%€20k▲ 129%
Net result€9k-€6k▼ 35.7%€14k▲ 137%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 129% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €132k
Fixed assets
€7k ▲ 753%
Current assets
€125k ▲ 129%
Equity and liabilities €132k
Equity
€54k ▲ 35.1%
Debt
€78k ▲ 408%
Debt's share of the balance-sheet total rises from 27.5% to 58.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€20k▲
2024 · €9k
Cash flow
€15k▲
2024 · €6k
Current ratio
1.62▼
2024 · 3.59
Quick ratio
0.08▼
2024 · 0.52
Debt to equity
1.43▲
2024 · 0.38
ROE
26.0%▲
2024 · 14.8%
ROA
10.7%▼
2024 · 10.7%
Interest coverage
31.68▼
2024 · 38.06
Debt ≤ 1 year
€78k▲
2024 · €15k
Income taxes
€5k▲
2024 · €3k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€55k€132k▲
Fixed assets21/28€767€7k▲
Tangible fixed assets22/27€767€4k▲
Furniture and vehicles24€767€4k▲
Financial fixed assets28-€2k
Current assets29/58€55k€125k▲
Stocks and contracts in progress3€47k€119k▲
Stocks30/36€47k€119k▲
Amounts receivable within one year40/41€0€6k▲
Trade receivables40€0€6k▲
Other amounts receivable41€0€0=
Cash at bank and in hand54/58€8k€0▼
Equity and liabilities
Total equity and liabilities10/49€55k€132k▲
Equity10/15€40k€54k▲
Contributions10/11€25k€25k=
Profit (loss) carried forward14€15k€29k▲
Amounts payable17/49€15k€78k▲
Amounts payable within one year42/48€15k€78k▲
Financial debts43-€8k
Credit institutions430/8-€8k
Trade debts44€101€4k▲
Suppliers440/4€101€4k▲
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€5k€9k▲
Remuneration and social security454/9€0€0=
Other amounts payable47/48€10k€56k▲
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€394k€817k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€425€663▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€11k€22k▲
Operating profit (loss)9901€9k€20k▲
Financial income75/76B€76€428▲
Recurring financial income75€76€428▲
Financial charges65/66B€238€645▲
Recurring financial charges65€238€645▲
Profit (loss) for the period before taxes9903€8k€20k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€6k€14k▲
Profit (loss) for the period to be appropriated9905€6k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€29k▲
Profit (loss) brought forward from the previous period14P€9k€15k▲
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2023net €14k ▲137%
Operating result €20k, net result €14k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €6k ▼35.7%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Ans · 1 establishment unit since 2023
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.
Allée des Fauvettes 944432 AnsGround area
3.3 ha
Building footprint
747 m²
Volume, LiDAR
4,192 m³
2 parcels, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
N.F MOTORS
since 20232.339.686.817
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62001B0373/00F000 | Wallonia | 3.2 ha | 1 · 597 m² | 7.0 m · 2 fl. |
| 62001A0383/00M006 | Wallonia | 950 m² | 1 · 151 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
MewissenLuu
BE 0793.809.002
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EDS INVEST
BE 0778.234.562
Oosterzele · Eq €54,318
SARA
BE 0450.330.913
Sint-Lambrechts-Woluwe · Eq €54,324
LORRY DEKLERCK
BE 0734.550.217
Harelbeke · Eq €54,235
BW IMPORT
BE 0728.484.549
Putte · Eq €54,354
Of 4,420 companies in sector 46180 we hold annual accounts for 1,886. 1,366 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
Founded04-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
46180Agents specialised in the wholesale of other particular products
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47812Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.