NACHTEGALEN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €296k and a net result of €122. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 55% of 7994 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 10 filingsDeviation from the deadline
2025
24 d late
2024
25 d late
2023
24 d late
2022
29 d late
2021
22 d late
2020
18 d late
2019
27 d late
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€296k▼ 20.2%
2024 · €371k
2018: €270k
2019: €344k
2020: €384k
2021: €388k
2022: €387k
2023: €352k
2024: €371k
2018 → 2025
Net result
€122▼ 99.4%
2024 · €19k
2018: €47k
2019: €74k
2020: €41k
2021: €4k
2022: €-355
2023: €-36k
2024: €19k
2018 → 2025
Total assets
€514k▲ 18.3%
2024 · €435k
2018: €319k
2019: €368k
2020: €441k
2021: €440k
2022: €438k
2023: €455k
2024: €435k
2018 → 2025
Solvency
57.6%▼ 27.8pp
2024 · 85.4%
2018: 84.5%
2019: 93.3%
2020: 87.2%
2021: 88.1%
2022: 88.4%
2023: 77.3%
2024: 85.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€342k€319k▼ 6.6%
Equity€388k-€387k▼ 0.1%€352k▼ 9.2%€371k▲ 5.5%€296k▼ 20.2%
Operating result€3k-€-2k€-37k▼ 1,484%€21k€6k▼ 72.2%
Net result€4k-€-355€-36k▼ 9,926%€19k€122▼ 99.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 72% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €514k
Fixed assets
€83k▲ 12.9%
Current assets
€431k▲ 19.4%
Equity and liabilities €514k
Equity
€296k▼ 20.2%
Debt
€218k▲ 243%
The debt ratio rises from 14.6% to 42.4%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
57.6%▼
2024 · 85.4%
ROE
0.0%▼
2024 · 5.2%
ROA
0.0%▼
2024 · 4.5%
Debt
€218k▲
2024 · €63k
Debt ≤ 1 year
€188k▲
2024 · €58k
Debt > 1 year
€21k
Income taxes
€5k▲
2024 · €2k
Staff costs
€98k▲
2024 · €60k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€435k€514k▲
Fixed assets21/28€74k€83k▲
Tangible fixed assets22/27€74k€83k▲
Plant, machinery and equipment23€28k€31k▲
Furniture and vehicles24€41k€50k▲
Other tangible fixed assets26€5k€3k▼
Current assets29/58€361k€431k▲
Amounts receivable after more than one year29€36k€24k▼
Other amounts receivable291€36k€24k▼
Stocks and contracts in progress3€18k€45k▲
Stocks30/36€18k€45k▲
Amounts receivable within one year40/41€138k€181k▲
Trade receivables40€138k€168k▲
Other amounts receivable41-€13k
Current investments50/53€10k€13k▲
Cash at bank and in hand54/58€157k€163k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€435k€514k▲
Equity10/15€371k€296k▼
Contributions10/11€12k€12k=
Reserves13€359k€284k▼
Distributable reserves133€359k€284k▼
Amounts payable17/49€63k€218k▲
Amounts payable after more than one year17-€21k
Financial debts170/4-€21k
Amounts payable within one year42/48€58k€188k▲
Current portion of amounts payable after more than one year42-€8k
Trade debts44€40k€88k▲
Suppliers440/4€40k€88k▲
Taxes, remuneration and social security45€18k€17k▼
Taxes450/3€10k€5k▼
Remuneration and social security454/9€9k€12k▲
Other amounts payable47/48-€75k
Accrued charges and deferred income492/3€5k€8k▲
Income statement
Code20242025
Remuneration, social security and pensions62€60k€98k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€43k▲
Other operating charges640/8€740€1k▲
Gross operating margin9900€119k€147k▲
Operating profit (loss)9901€21k€6k▼
Financial income75/76B€2k€862▼
Recurring financial income75€2k€862▼
Financial charges65/66B€870€1k▲
Recurring financial charges65€870€1k▲
Profit (loss) for the period before taxes9903€22k€6k▼
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€19k€122▼
Profit (loss) for the period to be appropriated9905€19k€122▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€122▼
Profit (loss) brought forward from the previous period14P€29k-
Transfer from equity791/2-€75k
Transfer to equity691/2€48k€122▼
To other reserves6921€48k€122▼
Profit to be distributed694/7-€75k
Return on contributions (dividend)694-€75k
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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Back to profitnet €19k
Net result €19k after 2 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
31-12
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Highest result since 2018net €74k ▲57.9%
Operating result €91k, net result €74k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 15.29
Current ratio from 6.06 to 15.29; short-term debt falls from €49k to €22k.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Zonhoven · 1 establishment unit since 2010
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.
Nachtegalenstraat 153520 ZonhovenGround area
5,076 m²
Building footprint
1,311 m²
Volume, LiDAR
7,952 m³
2 parcels, Flanders · tallest building 14.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Nachtegalen
since 20102.191.512.090
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71444B0601/00D006 | Flanders | 4,087 m² | 1 · 324 m² | 14.2 m · 2 fl. |
| 71444B0600/00S002 | Flanders | 989 m² | 1 · 987 m² | 7.5 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 1,440 EUR awarded · 1,440 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 1,440 EUR |
| 2024 | 1 | 1,440 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Ben Vandeweyer
BE 0727.626.001
Brasschaat · Eq €296k
Apotheek Hoevenaeghel
BE 0478.443.293
Huldenberg · Eq €296k
Jusoko
BE 0784.813.340
Pelt · Eq €296k
COBALT INDUSTRIES
BE 0754.616.745
Leuven · Eq €296k
FV Consult
BE 0830.074.926
Diest · Eq €296k
Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,754 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-09-2010
Fiscal year end31-12
Activities, NACEBEL
31004Manufacture of dining room, living room, bedroom and bathroom furniture
64200Holdings
64210Activities of holding companies
16281Manufacture of other wood products
43320Joinery installation
68310Real estate agency activities
68311Real estate activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.