Skip to content

N & V

Active
Private limited companyfounded 2019active for 7 yearsSint-Annastraat 17, 3090 Overijse, BelgiumKBO/BCE: BE 0734.918.223
Summary

The computed 12-month bankruptcy probability of N & V is 1.6% (moderate). The 2025 annual accounts show equity of €270,772 and a net result of €24,510. Equity has been growing by about 52% per year since 2020. Its solvency ranks better than 80% of 4,785 sector peers (NACE 56, financial year 2025). The company has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 26-09-2019 Normal situation
Activity
Full-service restaurants NACE 56111
Joint committee
302 Paritair Comité voor het hotelbedrijf · annual accounts 2023
Establishment unit
2.293.821.059 3090 Overijse, since 26-09-2019
Financial year end
31 December
Peppol
Reachable since 14-08-2026

Board and ownership

Board

Financial position

56 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.6%
Annual accounts 2025
Gross margin
€106,623
▼ 27.8%
Turnover
≈ €320,000
estimated
Profit
€24,510
▼ 74.4%
Equity
€270,772
▲ 10.0%
Total assets
€436,036
▲ 10.7%
Staff
1.5 FTE
  • 2025 accounts filed 14 days after the deadline
Filed on 14-08-2026
Score breakdownraises riskSector: Food and beverage service activities (NACE 56)1 change of registered office in 24 monthsFounded in 2019lowers riskFigures for financial year 2025 (filed on 18-08-2026)Show the evidence

Checked score

Score 2025
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 61% of micro companies in food and beverage service (NACE 56)
Financial strength · tick: 2024
Strong
Solvency 87=
equity 62.1% of total assets
Liquidity 50-3
short-term debt 33.6% · cash 12.1%
Profitability 76-23
return on assets 5.6%
Bankruptcy probability within 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,778 companies, NACE 56, micro)
Last 24 months 12-2024: 1.5% 01-2025: 1.5%● unchanged vs 12-2024 02-2025: 1.5%● unchanged vs 01-2025 03-2025: 1.5%● unchanged vs 02-2025 04-2025: 1.6%▲ +0.1 percentage points vs 03-2025 05-2025: 1.6%● unchanged vs 04-2025 06-2025: 1.6%● unchanged vs 05-2025 07-2025: 1.9%▲ +0.3 percentage points vs 06-2025 08-2025: 1.4%▼ -0.5 percentage points vs 07-2025 09-2025: 1.5%▲ +0.1 percentage points vs 08-2025 10-2025: 1.5%● unchanged vs 09-2025 11-2025: 1.5%● unchanged vs 10-2025 12-2025: 1.2%▼ -0.3 percentage points vs 11-2025 01-2026: 1.2%● unchanged vs 12-2025lowest value 02-2026: 1.2%● unchanged vs 01-2026lowest value 03-2026: 1.2%● unchanged vs 02-2026lowest value 04-2026: 2.3%▲ +1.1 percentage points vs 03-2026 05-2026: 2.7%▲ +0.4 percentage points vs 04-2026 06-2026: 2.7%● unchanged vs 05-2026 07-2026: 3.0%▲ +0.3 percentage points vs 06-2026 08-2026: 4.0%▲ +1.0 percentage point vs 07-2026highest value 09-2026: 1.6%▼ -2.4 percentage points vs 08-2026 10-2026: 1.6%● unchanged vs 09-2026 11-2026: 1.6%● unchanged vs 10-2026
Credit of up to €15,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.92 (2.91 in 2024), above the usual 1.5. Short-term debt is 33.6% and cash 12.1% of total assets. 37.9% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro). It does better than 78% of them on solvency, 52% on liquidity, 59% on profitability and 56% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Sector: Food and beverage service activities (NACE 56)
KBO
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · Founded in 2019
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Figures for financial year 2025 (filed on 18-08-2026)
NBB · annual accounts
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filings
Deviation from the deadline
2025
14 days late
2024
1 day early
2023
1 day early
2022
47 days early
2021
46 days early
2020
46 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 21 days before the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 July (4 of the last 5 accounts filed within 45 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Result fell in 2025from €95,726 to €24,510 ▼ 74.4% View

Recent changes

  1. · Gazette deed Registered office moved from Huldenberg to Overijse
  2. · Gazette deed Appointment: DI PIAZZA Giuseppe (director)
  3. · Gazette deed Incorporation
All 12 events

Comparable companies

These companies have the same main activity as N & V: full-service restaurants (NACE 56111). They are comparable in size and age: total assets between €311,000 and €690,000, founded between 2016 and 2021.

CompanyTotal assetsGross margin
N & V Overijse€436,036€106,623
AMEFIO & PARTNERS Lier€311,032€107,779
De Beemden Nijlen€501,769€108,007
FIL DU TEMPS Mouscron€460,983€128,264
DE MEIRSMAN K Holsbeek€474,556€73,558
ET ALORS Gent€348,015€106,009
Surprice Creations Heuvelland€689,680€125,113
Full comparison

Key facts about N & V

What is the company number of N & V?
The company number of N & V is 0734.918.223. The VAT number is the same number with BE in front: BE 0734.918.223.
Where is N & V based?
The registered office is at Sint-Annastraat 17, 3090 Overijse.Company details
What does N & V do?
According to the KBO register, the main activity is full-service restaurants (NACE 56111).
What is the legal form of N & V?
The legal form of N & V is Private limited company (BV).
When was N & V founded?
N & V was founded on 26-09-2019.
Is N & V still active?
Yes, N & V is an active enterprise in the KBO register.
How many employees does N & V have?
N & V had an average of 1.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does N & V fall under?
In its 2023 annual accounts, N & V states joint committee 302 (Paritair Comité voor het hotelbedrijf).
What is the turnover of N & V?
The turnover in financial year 2025 is ≈ €320,000. This figure is estimated from the gross margin of €106,623 and 31 comparable companies (NACE 56111). It probably lies between €270,000 and €360,000.
Is N & V profitable?
In financial year 2025, N & V made a profit of €24,510.
Where can I find the annual accounts of N & V?
N & V filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of N & V due?
N & V must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

See how customers, suppliers and banks see your own company and what to improve first.

Keep this company with today's facts in a case file.