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N.H.

Active
Private limited companyfounded 20251 yr activeQuai de la Vesdre 53, 4800 Verviers, BelgiumKBO/BCE: BE 1021.692.882
Summary

The computed 12-month bankruptcy probability of N.H. is 3.7% (moderate). The 2025 annual accounts show equity of €1,908 and a net result of -€10,092. Its solvency ranks better than 27% of 13874 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability0
Solvency28
Growth-
Track record67
Bankruptcy probability, 12 months
3.7% Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.91; short-term debt: 43.7% of total assets), and 97.1% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
+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 →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
2.9%
Return on assets
-15.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-08-2026, 1 day 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 · 1 filing
Deviation from the deadline
2025
1 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

N.H. was incorporated on 31 March 2025 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€1,908
Total assets
€65,613
Net result
-€10,092
Working capital
-€2,561

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €65,613
Fixed assets €39,487
Current assets €26,126
Equity and liabilities €65,613
Equity €1,908
Debt €63,705
Debt finances 97.1% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
-€4,729
Cash flow
-€5,989
Current ratio
0.91
Quick ratio
0.77
Debt to equity
33.38
ROE
-528.8%
ROA
-15.4%
Interest coverage
-3.75
Debt ≤ 1 year
€28,687
Debt > 1 year
€30,576

Peer companies

Historical observation

Of the 167 companies that looked in July 2024 the way this one looks now, 4.2% went bankrupt within 24 months and 89% are still going.

  • Micro
  • under 2 years old
  • solvency under 10%
  • a loss of 10% of the balance sheet or more
4.2% went bankrupt
6.6% stopped otherwise
89% still going

For this company itself Checked computes a bankruptcy probability of 3.7% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 167 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 39 lines
Balance sheet Code2025
Assets
Total assets20/58€65,613
Fixed assets21/28€39,487
Intangible fixed assets21€36,186
Tangible fixed assets22/27€3,301
Plant, machinery and equipment23€3,301
Current assets29/58€26,126
Stocks and contracts in progress3€3,903
Stocks30/36€3,903
Amounts receivable within one year40/41€22,222
Trade receivables40€21,659
Other amounts receivable41€564
Equity and liabilities
Total equity and liabilities10/49€65,613
Equity10/15€1,908
Contributions10/11€12,000
Profit (loss) carried forward14-€10,092
Amounts payable17/49€63,705
Amounts payable after more than one year17€30,576
Financial debts170/4€30,576
Amounts payable within one year42/48€28,687
Current portion of amounts payable after more than one year42€8,525
Financial debts43€3,295
Credit institutions430/8€3,295
Trade debts44€6,520
Suppliers440/4€6,520
Taxes, remuneration and social security45€10,306
Taxes450/3€3,706
Remuneration and social security454/9€6,600
Other amounts payable47/48€41
Accrued charges and deferred income492/3€4,442
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,103
Other operating charges640/8€1,000
Gross operating margin9900-€3,729
Operating profit (loss)9901-€8,832
Financial charges65/66B€1,260
Recurring financial charges65€1,260
Profit (loss) for the period before taxes9903-€10,092
Profit (loss) for the period9904-€10,092
Profit (loss) for the period to be appropriated9905-€10,092
Appropriation of the result
Profit (loss) to be appropriated9906-€10,092

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,103
Other operating charges640/8€1,000
Gross operating margin9900-€3,729
Operating profit (loss)9901-€8,832
Financial charges65/66B€1,260
Recurring financial charges65€1,260
Profit (loss) for the period before taxes9903-€10,092
Profit (loss) for the period9904-€10,092
Profit (loss) for the period to be appropriated9905-€10,092
Line2025
Assets
Total assets20/58€65,613
Fixed assets21/28€39,487
Intangible fixed assets21€36,186
Tangible fixed assets22/27€3,301
Plant, machinery and equipment23€3,301
Current assets29/58€26,126
Stocks and contracts in progress3€3,903
Stocks30/36€3,903
Amounts receivable within one year40/41€22,222
Trade receivables40€21,659
Other amounts receivable41€564
Equity and liabilities
Total equity and liabilities10/49€65,613
Equity10/15€1,908
Contributions10/11€12,000
Profit (loss) carried forward14-€10,092
Amounts payable17/49€63,705
Amounts payable after more than one year17€30,576
Financial debts170/4€30,576
Amounts payable within one year42/48€28,687
Current portion of amounts payable after more than one year42€8,525
Financial debts43€3,295
Credit institutions430/8€3,295
Trade debts44€6,520
Suppliers440/4€6,520
Taxes, remuneration and social security45€10,306
Taxes450/3€3,706
Remuneration and social security454/9€6,600
Other amounts payable47/48€41
Accrued charges and deferred income492/3€4,442
Line2025
Profit (loss) for the period9904-€10,092
+ Depreciation and write-downs630€4,103
Operating cash flow (approximation)-€5,989

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
01-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 1 day late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Verviers · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
404 m²
Building footprint
294 m²
Volume, LiDAR
728 m³
2 parcels, Wallonia · tallest building 13.4 m, ±4 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
Gusto Focaccia
Rue du Collège(VIS) 45, 4600 ViséLimited-service restaurants, excluding mobile food services
since 20252.372.633.163
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63079A1445/00H006 Wallonia 312 m² 1 · 231 m² -
62108C0295/00F000 Wallonia 92 m² 1 · 62 m² 13.4 m · 4 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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 site
Visé2.372.633.163
1 permission
Toelating · Eetgelegenheid · since 04-11-2025

Similar companies · same sector, comparable size

Of 21,835 companies in this sector we hold annual accounts for 9,786. 2,873 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPrivate limited company
Founded31-03-2025
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1021692882
Registered 13-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 1 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.