Summary
NAMHOLD 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 €1.5m and a net result of €70,926. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 62% of 8094 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 18-03-2026, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 d early
2024
41 d early
2023
67 d early
2022
12 d early
2021
65 d early
2020
15 d early
2019
35 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 40 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 18 March (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€1.5m▲ 5.1%
2024 · €1.4m
Net result
€70,926▼ 19.7%
2024 · €88,309
Total assets
€2.2m▲ 21.7%
2024 · €1.8m
Solvency
65.4%▼ 10.4pp
2024 · 75.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€51,429€11,302▼ 78.0%-€31,855-€7,035▲ 77.9%-€21,590▼ 207%
Net result€184,559above the sector's middle half▲ 4.0%€56,622within the sector's middle half▼ 69.3%€54,192within the sector's middle half▼ 4.3%€88,309above the sector's middle half▲ 63.0%€70,926within the sector's middle half▼ 19.7%
Equity€1.1mabove the sector's middle half▲ 20.8%€1.1mabove the sector's middle half▲ 5.3%€1.3mabove the sector's middle half▲ 16.3%€1.4mabove the sector's middle half▲ 6.7%€1.5mabove the sector's middle half▲ 5.1%
Total assets€1.5mabove the sector's middle half▲ 0.4%€1.5mabove the sector's middle half▼ 0.1%€1.8mabove the sector's middle half▲ 19.3%€1.8mabove the sector's middle half▲ 0.8%€2.2mabove the sector's middle half▲ 21.7%
Debt€465,287▼ 27.8%€407,317▼ 12.5%€520,824▲ 27.9%€447,727▼ 14.0%€778,315▲ 73.8%
Working capital-€188,764below the sector's middle half▲ 3.9%-€274,034below the sector's middle half▼ 45.2%-€353,403below the sector's middle half▼ 29.0%-€283,051below the sector's middle half▲ 19.9%€26,038within the sector's middle half
Solvency69.7%within the sector's middle half▲ 11.8pp73.5%within the sector's middle half▲ 3.7pp71.6%within the sector's middle half▼ 1.9pp75.8%within the sector's middle half▲ 4.2pp65.4%within the sector's middle half▼ 10.4pp
Current ratio0.09below the sector's middle half▲ 0.030.06below the sector's middle half▼ 0.030.02below the sector's middle half▼ 0.040.07below the sector's middle half▲ 0.051.07within the sector's middle half▲ 0.99
Return on assets (ROA)12.0%within the sector's middle half▲ 0.4pp3.7%within the sector's middle half▼ 8.3pp3.0%within the sector's middle half▼ 0.7pp4.8%within the sector's middle half▲ 1.8pp3.2%within the sector's middle half▼ 1.6pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €21,590 in 2025 against €7,035 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.2m
Fixed assets
€1.8m =
Current assets
€424,316 ▲ 1,761%
Equity and liabilities €2.2m
Equity
€1.5m ▲ 5.1%
Debt
€778,315 ▲ 73.8%
Debt's share of the balance-sheet total rises from 24.2% to 34.6%. Equity and debt are higher.
Key figures and ratios
ROE
4.8%▼
2024 · 6.3%
Debt ≤ 1 year
€398,279▲
2024 · €305,854
Debt > 1 year
€379,986▲
2024 · €141,823
Income taxes
€286▲
2024 · €280
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €2,896 | - | - | - | - |
| Other operating charges640/8 | - | €670 | €25,463 | €1,349 | €1,497 | ▲ 10.9% |
| Gross operating margin9900 | €52,065 | €11,972 | -€6,391 | -€5,685 | -€20,093 | ▼ 253% |
| Operating profit (loss)9901 | €51,429 | €11,302 | -€31,855 | -€7,035 | -€21,590 | ▼ 207% |
| Financial income75/76B | - | €50,000 | €100,000 | €100,000 | €100,000 | = |
| Recurring financial income75 | €140,000 | €50,000 | €100,000 | €100,000 | €100,000 | = |
| Financial charges65/66B | - | €4,447 | €13,937 | €4,377 | €7,198 | ▲ 64.5% |
| Recurring financial charges65 | €6,574 | €4,447 | €13,937 | €4,377 | €7,198 | ▲ 64.5% |
| Profit (loss) for the period before taxes9903 | €184,855 | €56,855 | €54,208 | €88,589 | €71,212 | ▼ 19.6% |
| Income taxes67/77 | €296 | €232 | €16 | €280 | €286 | ▲ 2.1% |
| Profit (loss) for the period9904 | €184,559 | €56,622 | €54,192 | €88,309 | €70,926 | ▼ 19.7% |
| Profit (loss) for the period to be appropriated9905 | €184,559 | €56,622 | €54,192 | €88,309 | €70,926 | ▼ 19.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.5m | €1.5m | €1.8m | €1.8m | €2.2m | ▲ 21.7% |
| Fixed assets21/28 | €1.5m | €1.5m | €1.8m | €1.8m | €1.8m | = |
| Tangible fixed assets22/27 | - | - | €170,000 | €170,000 | €170,000 | = |
| Land and buildings22 | - | - | €170,000 | €170,000 | €170,000 | = |
| Financial fixed assets28 | €1.5m | €1.5m | €1.7m | €1.7m | €1.7m | = |
| Current assets29/58 | €18,135 | €17,150 | €7,591 | €22,802 | €424,316 | ▲ 1,761% |
| Stocks and contracts in progress3 | - | - | - | - | €416,250 | - |
| Stocks30/36 | - | - | - | - | €416,250 | - |
| Amounts receivable within one year40/41 | - | €16,600 | €2,909 | €3,755 | €5,080 | ▲ 35.3% |
| Trade receivables40 | - | €16,600 | - | - | - | - |
| Other amounts receivable41 | - | - | €2,909 | €3,755 | €5,080 | ▲ 35.3% |
| Cash at bank and in hand54/58 | €17,775 | €550 | €4,682 | €19,048 | €2,987 | ▼ 84.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.5m | €1.5m | €1.8m | €1.8m | €2.2m | ▲ 21.7% |
| Equity10/15 | €1.1m | €1.1m | €1.3m | €1.4m | €1.5m | ▲ 5.1% |
| Contributions10/11 | €100,000 | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Capital10 | - | €100,000 | - | - | - | - |
| Issued capital100 | - | €100,000 | - | - | - | - |
| Outside capital11 | - | - | €100,000 | €100,000 | - | - |
| Other1109/19 | - | - | €100,000 | €100,000 | - | - |
| Reserves13 | €10,000 | €10,000 | €11,860 | €11,860 | €11,860 | = |
| Non-distributable reserves130/1 | - | €10,000 | €11,860 | €11,860 | €11,860 | = |
| Legal reserve130 | - | €10,000 | €11,860 | €11,860 | - | - |
| Reserves not available under the articles1311 | - | - | - | - | €11,860 | - |
| Profit (loss) carried forward14 | €961,966 | €1.0m | €1.2m | €1.3m | €1.4m | ▲ 5.5% |
| Amounts payable17/49 | €465,287 | €407,317 | €520,824 | €447,727 | €778,315 | ▲ 73.8% |
| Amounts payable after more than one year17 | €258,388 | €116,132 | €151,780 | €141,823 | €379,986 | ▲ 168% |
| Financial debts170/4 | - | €116,132 | €151,580 | €141,623 | €379,786 | ▲ 168% |
| Other amounts payable178/9 | - | - | €200 | €200 | €200 | = |
| Amounts payable within one year42/48 | €206,899 | €291,184 | €360,994 | €305,854 | €398,279 | ▲ 30.2% |
| Current portion of amounts payable after more than one year42 | - | €98,256 | €71,850 | €9,957 | €48,478 | ▲ 387% |
| Trade debts44 | €969 | €387 | €247 | - | €8,029 | - |
| Suppliers440/4 | - | €387 | €247 | - | €8,029 | - |
| Taxes, remuneration and social security45 | - | €233 | €526 | €526 | - | - |
| Taxes450/3 | - | €233 | €526 | €526 | - | - |
| Other amounts payable47/48 | - | €192,309 | €288,371 | €295,371 | €341,772 | ▲ 15.7% |
| Accrued charges and deferred income492/3 | - | - | €8,050 | €50 | €50 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €184,559 | €56,622 | €54,192 | €88,309 | €70,926 | ▼ 19.7% |
| Operating cash flow (approximation) | €184,559 | €56,622 | €54,192 | €88,309 | €70,926 | ▼ 19.7% |
| Investment in fixed assets (approximation) | - | €363 | -€306,546 | €0 | €0 | - |
| Change in cash | - | -€17,225 | €4,132 | €14,366 | -€16,061 | ▼ 212% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity times 14current ratio 1.07
Current ratio from 0.07 to 1.07.
20-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €54,192 ▼4.3%
Net result drops to €54,192, the lowest in the series; recovery starts the following year.
18-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €184,559 ▲4%
Operating result €51,429, net result €184,559, both a record.
30-09
Financial
Equity above €1mEq €1.1m ▲20.8%
4 profitable years in a row build equity to €1.1m.
15-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Colfontaine · 1 establishment unit since 2016
Ground area
282 m²
Building footprint
44 m²
Volume, LiDAR
346 m³
Parcel 53064B1009/00S002, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
NAMHOLD
since 20162.255.414.702
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53064B1009/00S002 | Wallonia | 282 m² | 1 · 44 m² | 10.1 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 owner · 1 holdingChain of control
- NAMUR CONSTRUCT & FRERE
- NAMHOLD
Highest known parent: NAMUR CONSTRUCT & FRERE. The sources do not say who stands above it.
Owners 1
-
52%
Holdings 1
-
100%
According to the annual accounts to 30-09-2025 of NAMHOLD and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 11,811 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded30-09-2015
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
E-invoicing
Reachable via Peppol
Peppol ID
0208:0638987203
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.