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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Age4 yrs
Real estate2 parcels · 149 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of N&G BAT is 3.4% (moderate). The 2023 annual accounts show equity of €8k and a net result of €8k. Its solvency ranks better than 40% of 3129 sector peers (fiscal year 2023). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideFiled after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 06-09-2024, 37 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2023, that is 31-07-2024.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2023 | 31-07-2024 | 06-09-2024 | 37 d late | 2024-00461163 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone3.4%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€8k
Working capital€3k
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 06-09-2024 with the NBB · fiscal year 2023 · micro
Sector comparison
Fiscal year 2023 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 28.9% | 37.6% | |
| Net result | €8k | €9k | |
| Equity | €8k | €25k | |
| Gross operating margin | €22k | €27k | |
| Total assets | €28k | €80k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2023 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €22k |
| Net profit | €8k |
| Cash flow | €19k |
| Staff costs | - |
| Income taxes | €2k |
| Dividends | - |
| Total assets | €28k |
| Equity | €8k |
| Debt | €20k |
| of which ≤ 1y | €8k |
| of which > 1y | €12k |
| Working capital | €3k |
| Employees (FTE) | - |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 1.34 |
| Quick ratio | 1.34 |
| Working capital ratio | 9.3% |
| Solvency | 28.9% |
| Debt / equity | 2.46 |
| Long-term debt ratio | 1.52 |
| Interest coverage | 19.06 |
| Gross margin | - |
| Net margin | - |
| ROA | 28.9% |
| ROE | 100.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €28k |
| Fixed assets | 21/28 | €18k |
| Tangible fixed assets | 22/27 | €18k |
| Current assets | 29/58 | €10k |
| Amounts receivable within one year | 40/41 | €6k |
| Cash & bank | 54/58 | €4k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €28k |
| Equity | 10/15 | €8k |
| Accumulated profits (losses) | 14 | €8k |
| Amounts payable | 17/49 | €20k |
| Amounts payable after one year | 17 | €12k |
| Amounts payable within one year | 42/48 | €8k |
| Trade debts payable within one year | 44 | €530 |
| Income statement | ||
| Gross operating margin | 9900 | €22k |
| Operating result | 9901 | €11k |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €10k |
| Income taxes | 67/77 | €2k |
| Net result for the period | 9904 | €8k |
| Result to be appropriated | 9905 | €8k |
Ratios computed by Checked.
Health barometer
FY 2023 · computed78
/ 100
Excellent
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationN&G BAT
since 20222.330.988.093
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area149 m²
Buildings2
Building footprint127 m²
Volume (LiDAR)495 m³
Tallest building10.3 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23086A0354/00K002 | Flanders | 82 m² | 1 · 58 m² | 10.3 m · 3 fl. |
| 23032D0100/00M000 | Flanders | 67 m² | 1 · 69 m² | - |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts Address history · 1
24-05-2024
Registered-office move
All acts · 1
updated 2 years ago
2024
24-05-2024 Registered office moved from HERNE to TERNAT
- CAUWENBERGHELAAN (HN) 7F, 1540 HERNE → Assesteenweg 116A 1740 TERNAT
Firm:
N&G BAT
Analysis
Snowflake analysis
financial profile on 5 axes78
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
78
Profitability
100
Solvency
53
Growth
-
Stability
79
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Credit advice
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We hold annual accounts for 5,317 of the 29,570 companies in this sector. 3,881 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Slopen43110Slopen43110Installatie van verwarming, klimaatregeling en ventilatie43222Installatie van verwarming, klimaatregeling, koeling en ventilatie aangedreven door elektriciteit43222Schrijnwerk43320Schrijnwerk43320Overige reiniging van gebouwen; industriële reiniging81220Overige reiniging van gebouwen; industriële reiniging81220
Primary activity highlighted.
Names & trade names
| Legal nameNL | N&G BAT |
Registered office
Assesteenweg 116A
1740 Ternat, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.