N.S.S.E.
ActiveN.S.S.E. has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €90k and a net result of €14k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 27% of 19348 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability48▲+9
Solvency32▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.02 against 0.04 in 2023; short-term debt: 24.2% and cash: 0.6% of total assets), and 93.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
192021222324
2019 to 2024 · latest year €90k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-09-2025, 54 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
54 d late
2023
30 d late
2022
18 d late
2021
1 d early
2020
30 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€18k
EBIT margin
-18.8%
Net result
€14k▲ 825%
2023 · €2k
2019: €-12k
2020: €-2k
2021: €4k
2022: €-761
2023: €2k
2019 → 2024
Working capital
€-320k▼ 36.9%
2023 · €-233k
2019: €-11k
2020: €-23k
2021: €-101k
2022: €-176k
2023: €-233k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€71k-€75k▲ 5.5%€74k▼ 1.0%€76k▲ 2.1%€90k▲ 18.9%
Operating result€5k-€20k▲ 325%€17k▼ 17.9%€32k▲ 90.3%€47k▲ 46.4%
Net result€-2k-€4k€-761€2k€14k▲ 825%
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 46% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.35M
Fixed assets
€1.34M▲ 3.2%
Current assets
€8k▼ 26.9%
Equity and liabilities €1.35M
Equity
€90k▲ 18.9%
Debt
€1.26M▲ 2.0%
The debt ratio falls from 94.2% to 93.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€93k▲
2023 · €71k
Cash flow
€61k▲
2023 · €41k
Solvency
6.7%▲
2023 · 5.8%
Current ratio
0.02▼
2023 · 0.04
Quick ratio
0.02▼
2023 · 0.04
Debt / equity
13.98▼
2023 · 16.30
ROE
15.9%▲
2023 · 2.0%
ROA
1.1%▲
2023 · 0.1%
Interest coverage
3.40▲
2023 · 2.35
Debt
€1.26M▲
2023 · €1.24M
Debt ≤ 1 year
€328k▲
2023 · €244k
Debt > 1 year
€933k▼
2023 · €992k
Income taxes
€5k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.31M€1.35M▲
Fixed assets21/28€1.30M€1.34M▲
Intangible fixed assets21€2k€8k▲
Tangible fixed assets22/27€1.30M€1.34M▲
Land and buildings22€1.26M€1.22M▼
Plant, machinery and equipment23€38k€112k▲
Current assets29/58€11k€8k▼
Cash at bank and in hand54/58€11k€8k▼
Deferred charges and accrued income490/1€91€146▲
Equity and liabilities
Total equity and liabilities10/49€1.31M€1.35M▲
Equity10/15€76k€90k▲
Contributions10/11€85k€85k=
Reserves13-€5k
Distributable reserves133-€5k
Profit (loss) carried forward14€-9k-
Amounts payable17/49€1.24M€1.26M▲
Amounts payable after more than one year17€992k€933k▼
Financial debts170/4€992k€933k▼
Amounts payable within one year42/48€244k€328k▲
Current portion of amounts payable after more than one year42€57k€63k▲
Trade debts44€30k€59k▲
Suppliers440/4€30k€59k▲
Taxes, remuneration and social security45-€5k
Taxes450/3-€5k
Other amounts payable47/48€157k€200k▲
Income statement
Code20232024
Non-recurring operating income76A-€208
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€47k▲
Other operating charges640/8€24k€19k▼
Gross operating margin9900€95k€112k▲
Operating profit (loss)9901€32k€47k▲
Financial charges65/66B€30k€27k▼
Recurring financial charges65€30k€27k▼
Profit (loss) for the period before taxes9903€2k€19k▲
Income taxes67/77-€5k
Profit (loss) for the period9904€2k€14k▲
Profit (loss) for the period to be appropriated9905€2k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€5k▲
Profit (loss) brought forward from the previous period14P€-10k€-9k▲
Transfer to equity691/2-€5k
To other reserves6921-€5k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
31-12
Financial
Highest result since 2019net €14k ▲825%
Operating result €47k, net result €14k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Tournai · 1 establishment unit since 2019
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.
Rue des Maux(TOU) 47500 TournaiGround area
192 m²
Building footprint
102 m²
Volume, LiDAR
1,720 m³
2 parcels, Wallonia · tallest building 16.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
KAPLAN NS
since 20192.287.459.938
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57081F0646/00C000 | Wallonia | 122 m² | 1 · 58 m² | 13.6 m · 4 fl. |
| 57081F0693/00A000indicative | Wallonia | 71 m² | 1 · 44 m² | 15.9 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,380. 3,645 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-03-2019
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@monsieurwisky.be
E-mail:info@monsieurwhisky.be