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NAMOP

Active
Private limited company·Detailhandel in corrigerende brillen, lenzen en zonnebrillen· 4 yrs active
Edelknaapstraat 32 ·1050 Elsene, Belgium
BE 0777.527.848
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Full dossier in preparation

Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age4 yrs
Staff (FTE)2.2

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of NAMOP is 6.2% (elevated). The 2024 annual accounts show negative equity (€-92k) and a net result of €12k. Equity is shrinking by ~24.6% per year across the filed fiscal years. Its solvency ranks better than 14% of 6661 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
6.2% Elevated
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate region +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Trust signals

3 signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events
No administrative flags

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€12k
Working capital€-8k+32.0%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 28-08-2025 with the NBB · fiscal year 2024 · micro
€-75k€-50k€-25k€0€25kOperating result 2022: €-62k€-62kNet result 2022: €-67k€-67kOperating result 2023: €-52k€-52kNet result 2023: €-57k€-57kOperating result 2024: €16k€16kNet result 2024: €12k€12k202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~24.6%/year over 3 fiscal years, indicative, assuming unchanged policy.
€-200k€-150k€-100k€-50k2025: €-115k (€-122k - €-108k)2026: €-138k (€-145k - €-130k)2027: €-160k (€-168k - €-153k)2022: €-47k2023: €-104k2024: €-92k202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -39.5% 20.3%
better than 14% of 6661 sector peers
Net result €12k €4k
better than 64% of 6642 sector peers
Equity €-92k €16k
better than 5% of 6675 sector peers
Gross operating margin €110k €24k
better than 84% of 6621 sector peers
Staff costs €71k €33k
higher than 74% of 3020 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€31k
- -87% vs sector
Net profit
€12k
- -80% vs sector
Cash flow
€27k
- -83% vs sector
Total assets
€233k
+12.6% -76% vs sector
Equity
€-92k
+11.1% far below sector median
Working capital
€-8k
+32.0% far below sector median
Employees (FTE)
2
- -62% vs sector
Staff costs
€71k
+85.3% -76% vs sector
Income taxes
€289
+49.3% -99% vs sector
Debt
€325k
+4.7% +19% vs sector
Debt ≤ 1y
€183k
+25.9% -33% vs sector
Debt > 1y
€142k
-14.0% +134% vs sector
Current ratio
0.96
+3.9% -56% vs sector
Quick ratio
0.59
+110.9% -59% vs sector
Solvency
-39.5%
+21.1% far below sector median
Debt / equity
-3.53
-17.8% far below sector median
ROE
-12.5%
- far below sector median
ROA
4.9%
- -40% vs sector
Interest coverage
5.32
- -93% vs sector
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€31k
Net profit€12k
Cash flow€27k
Staff costs€71k
Income taxes€289
Dividends-
Total assets€233k
Equity€-92k
Debt€325k
of which ≤ 1y€183k
of which > 1y€142k
Working capital€-8k
Employees (FTE)2.2
Ratios (computed)
2024
Current ratio0.96
Quick ratio0.59
Working capital ratio-3.3%
Solvency-39.5%
Debt / equity-3.53
Long-term debt ratio-1.54
Interest coverage5.32
Gross margin-
Net margin-
ROA4.9%
ROE-12.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€233k
Fixed assets 21/28€58k
Intangible fixed assets 21€552
Tangible fixed assets 22/27€42k
Financial fixed assets 28€15k
Current assets 29/58€175k
Stocks & contracts in progress 3€67k
Amounts receivable within one year 40/41€81k
Cash & bank 54/58€26k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€233k
Equity 10/15€-92k
Contributions / capital 10/11€20k
Accumulated profits (losses) 14€-112k
Amounts payable 17/49€325k
Amounts payable after one year 17€142k
Amounts payable within one year 42/48€183k
Trade debts payable within one year 44€22k
Income statement
Gross operating margin 9900€110k
Operating result 9901€16k
Financial income 75€2k
Financial charges 65€6k
Result before taxes 9903€12k
Income taxes 67/77€289
Net result for the period 9904€12k
Result to be appropriated 9905€12k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
16 / 100 Critical
050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
seat.Municipality exact location from the address register

Establishment units

2 locations
Art de Vue
Rue du Président 2, 5000 NamurHandelsbemiddeling in de niet-gespecialiseerde groothandel
since 20212.325.129.986
NAMOP
Edelknaapstraat 32, 1050 ElseneHandelsbemiddeling in de niet-gespecialiseerde groothandel
since 20212.325.130.085
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area121 m²
Buildings2
Building footprint132 m²
Volume (LiDAR)1,716 m³
Tallest building16.9 m · ±5 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
21447B0296/00W004 Brussels 72 m² 1 · 72 m² 16.9 m · 5 fl.
92094C1063/00_000 Wallonia 49 m² 1 · 60 m² 15.4 m · 5 fl.
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.

Analysis

Snowflake analysis

financial profile on 5 axes
Health16Profitability0Solvency43Growth58Stability94
42 / 100

Fragile profile, watch profitability in particular.

Health 16
Profitability 0
Solvency 43
Growth 58
Stability 94

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Detailhandel in corrigerende brillen, lenzen en zonnebrillen47742Detailhandel in fotografische en optische artikelen en in precisieinstrumenten in gespecialiseerde winkels47782Handelsbemiddeling in goederen, algemeen assortiment46190Handelsbemiddeling in de niet-gespecialiseerde groothandel46190Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameFR NAMOP
Registered office
Edelknaapstraat 32
1050 Elsene, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.