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Namic

Active
Private limited companyfounded 201016 yrs activeRozenlaan 5, 3360 Bierbeek, BelgiumKBO/BCE: BE 0824.010.149

Namic has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €55k and a net result of €-9k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 57% of 20783 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2024
69 / 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability5▼-63
Solvency94▼-6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 3.04 against 11.46 in 2023; short-term debt: 31.4% and cash: 90.6% of total assets), and 31.4% 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 riskneutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies more bankruptcies →
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 2024
Solvency, return and age of the figures
Solvency
68.6%
Return on assets
-11%
Age of the figures
21 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
elevated failure risk from 2 to 8 years 16 years 0 20 y
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024
Net result per financial year
18192021222324
2018 to 2024 · latest year €-9k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-07-2025, 16 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
16 d early
2023
on the day
2022
32 d late
2021
3 d early
2020
1 d early
2019
31 d late
← before the deadline after the deadline →
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

Financials · fiscal year 2024, micro schema

Equity
€55k▼ 36.3%
2023 · €87k
2018: €36k 2019: €60k 2020: €93k 2021: €92k 2022: €87k 2023: €87k
2018 → 2024
Total assets
€81k▼ 14.8%
2023 · €95k
2018: €37k 2019: €86k 2020: €112k 2021: €140k 2022: €94k 2023: €95k
2018 → 2024
Net result
€-9k▼ 1,953%
2023 · €-434
2018: €-1k 2019: €23k 2020: €33k 2021: €28k 2022: €-5k 2023: €-434
2018 → 2024
Working capital
€52k▼ 36.4%
2023 · €81k
2018: €32k 2019: €55k 2020: €79k 2021: €80k 2022: €77k 2023: €81k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20202021202220232024Trend
Equity€93k-€92k▼ 0.5%€87k▼ 5.1%€87k▼ 0.5%€55k▼ 36.3%
Operating result€48k-€41k▼ 16.0%€-3k€1k€-10k
Net result€33k-€28k▼ 15.1%€-5k€-434▲ 90.9%€-9k▼ 1,953%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-20k€0€20k€40kOperating result 2020: €48k€48kNet result 2020: €33k€33kOperating result 2021: €41k€41kNet result 2021: €28k€28kOperating result 2022: €-3k€-3kNet result 2022: €-5k€-5kOperating result 2023: €1k€1kNet result 2023: €-434€-434Operating result 2024: €-10k€-10kNet result 2024: €-9k€-9k20202021202220232024
The operating result turns negative in 2024: a loss of €10k after €1k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €81k
Fixed assets €4k▼ 34.7%
Current assets €77k▼ 13.5%
Equity and liabilities €81k
Equity €55k▼ 36.3%
Debt €25k▲ 227%
The debt ratio rises from 8.2% to 31.4%. Equity is lower and debt is higher.
Key figures and ratios
2024 value · change against 2023
EBITDA
€-7k
2023 · €6k
Cash flow
€-6k
2023 · €4k
Solvency
68.6%
2023 · 91.8%
Current ratio
3.04
2023 · 11.46
Quick ratio
2.97
2023 · 10.66
Debt / equity
0.46
2023 · 0.09
ROE
-16.1%
2023 · -0.5%
ROA
-11.0%
2023 · -0.5%
Interest coverage
-74.01
2023 · 65.99
Debt
€25k
2023 · €8k
Debt ≤ 1 year
€25k
2023 · €8k
Income taxes
€-103
2023 · €2k
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€95k€81k
Fixed assets21/28€6k€4k
Tangible fixed assets22/27€6k€4k
Plant, machinery and equipment23€2k€1k
Furniture and vehicles24€4k€3k
Current assets29/58€89k€77k
Stocks and contracts in progress3€6k€2k
Stocks30/36€6k€2k
Amounts receivable within one year40/41€30k€2k
Trade receivables40€26k€1k
Other amounts receivable41€3k€775
Current investments50/53€50k€0
Cash at bank and in hand54/58€3k€73k
Deferred charges and accrued income490/1€459€162
Equity and liabilities
Total equity and liabilities10/49€95k€81k
Equity10/15€87k€55k
Contributions10/11€6k€6k=
Reserves13€86k€63k
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€86k€63k
Profit (loss) carried forward14€-5k€-14k
Amounts payable17/49€8k€25k
Amounts payable within one year42/48€8k€25k
Trade debts44€98€6
Suppliers440/4€98€6
Taxes, remuneration and social security45€6k€3k
Taxes450/3€6k€3k
Other amounts payable47/48€2k€22k
Income statement Code20232024
Non-recurring operating income76A€0€10k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k
Other operating charges640/8€695€451
Non-recurring operating charges66A€0-
Gross operating margin9900€7k€-7k
Operating profit (loss)9901€1k€-10k
Financial income75/76B€214€1k
Recurring financial income75€214€1k
Financial charges65/66B€91€95
Recurring financial charges65€91€95
Profit (loss) for the period before taxes9903€1k€-9k
Income taxes67/77€2k€-103
Profit (loss) for the period9904€-434€-9k
Profit (loss) for the period to be appropriated9905€-434€-9k
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-14k
Profit (loss) brought forward from the previous period14P€-5k€-5k
Transfer from equity791/2-€23k
Profit to be distributed694/7-€23k
Return on contributions (dividend)694-€23k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

2025
15-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series.
31-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
01-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial Liquidity times 5current ratio 13.52
Current ratio from 2.68 to 13.52; short-term debt falls from €48k to €6k.
28-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial Highest result since 2018net €33k ▲42.7%
Operating result €48k, net result €33k, both a record.
31-08
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial Back to profitnet €23k
Net result €23k after one loss-making year.
31-07
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
09-08
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
5 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, Bierbeek · 1 establishment unit since 2010
establishment The establishment unit on the map
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.

Rozenlaan 53360 Bierbeek
Ground area
448 m²
Building footprint
128 m²
Volume, LiDAR
736 m³
Parcel 24053B0179/00K002, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rozenlaan 5, 3360 Bierbeek
Computer programming, consultancy and related activities
since 20102.186.374.060
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24053B0179/00K002 Flanders 448 m² 1 · 128 m² 7.7 m · 2 fl.
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 3,211 companies in sector 62900 we hold annual accounts for 1,741. 1,362 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded17-03-2010
Fiscal year end31-12
Activities, NACEBEL
62900Other information technology and computer services
62020IT consultancy
62200Computer consultancy and computer facilities management
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
85532Education
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.