NAMUR & GO
ActiveThe annual accounts of NAMUR & GO for fiscal year 2024 show a net loss of 78% of the equity at the start of that year. The 2024 annual accounts show equity of €11k and a net result of €-40k. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability5▼-93
Solvency30▼-16
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.79 against 0.88 in 2023; short-term debt: 95.3% and cash: 25.3% of total assets), and 95.3% 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.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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 2024Solvency, return and age of the figures
Solvency
4.7%
Return on assets
-16.9%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-09-2026, 41 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
41 d late
2024
29 d late
2023
33 d late
2022
33 d early
2021
26 d late
2020
53 d late
2019
84 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-40k
2023 · €55k
2018: €-50k
2019: €-21k
2020: €-18k
2021: €-23k
2022: €23k
2023: €55k
2018 → 2024
Working capital
€-46k▼ 103%
2023 · €-23k
2018: €-91k
2019: €-107k
2020: €-104k
2021: €-136k
2022: €-110k
2023: €-23k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-4k-€-27k▼ 610%€-4k▲ 84.8%€51k€11k▼ 78.4%
Operating result€-14k-€-17k▼ 22.6%€36k€64k▲ 76.4%€-32k
Net result€-18k-€-23k▼ 30.4%€23k€55k▲ 139%€-40k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €32k after €64k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €236k
Fixed assets
€57k▼ 22.7%
Current assets
€178k▲ 8.5%
Equity and liabilities €236k
Equity
€11k▼ 78.4%
Debt
€225k▲ 19.7%
The debt ratio rises from 78.7% to 95.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€6k▼
2023 · €98k
Cash flow
€-2k▼
2023 · €89k
Solvency
4.7%▼
2023 · 21.3%
Current ratio
0.79▼
2023 · 0.88
Quick ratio
0.44▼
2023 · 0.46
Debt / equity
20.39▲
2023 · 3.69
ROE
-362.2%▼
2023 · 108.1%
ROA
-16.9%▼
2023 · 23.1%
Interest coverage
0.66▼
2023 · 10.14
Debt
€225k▲
2023 · €188k
Debt ≤ 1 year
€225k▲
2023 · €187k
Income taxes
€269▲
2023 · €140
Staff costs
€255k▲
2023 · €248k
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€238k€236k▼
Fixed assets21/28€74k€57k▼
Intangible fixed assets21-€7k
Tangible fixed assets22/27€74k€51k▼
Plant, machinery and equipment23€36k€24k▼
Furniture and vehicles24€4k€3k▼
Other tangible fixed assets26€35k€24k▼
Current assets29/58€164k€178k▲
Stocks and contracts in progress3€77k€79k▲
Stocks30/36€77k€79k▲
Amounts receivable within one year40/41€8k€37k▲
Trade receivables40€7k€13k▲
Other amounts receivable41€1k€24k▲
Cash at bank and in hand54/58€75k€60k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€238k€236k▼
Equity10/15€51k€11k▼
Contributions10/11€59k€59k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Profit (loss) carried forward14€-14k€-54k▼
Amounts payable17/49€188k€225k▲
Amounts payable within one year42/48€187k€225k▲
Financial debts43€25k€25k=
Credit institutions430/8€25k€25k=
Trade debts44€127k€159k▲
Suppliers440/4€127k€159k▲
Taxes, remuneration and social security45€34k€39k▲
Taxes450/3€6k€8k▲
Remuneration and social security454/9€27k€31k▲
Other amounts payable47/48€719€719=
Accrued charges and deferred income492/3€569-
Income statement
Code20232024
Remuneration, social security and pensions62€248k€255k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€38k▲
Other operating charges640/8€6k€10k▲
Gross operating margin9900€352k€271k▼
Operating profit (loss)9901€64k€-32k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€55k€-40k▼
Income taxes67/77€140€269▲
Profit (loss) for the period9904€55k€-40k▼
Profit (loss) for the period to be appropriated9905€55k€-40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-54k▼
Profit (loss) brought forward from the previous period14P€-69k€-14k▲
Social balance
Average headcount (FTE)90877.76.8▼
The notes to these accounts (10 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
10-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 41 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
02-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 33 days late
2023
31-12
Financial
Highest result since 2018net €55k ▲139%
Operating result €64k, net result €55k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €23k
Net result €23k after 4 loss-making years.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 26 days late
2021
22-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 53 days late
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 84 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 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, Namur · 1 establishment unit since 2016
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.
Rue Basse Marcelle 155000 NamurGround area
548 m²
Building footprint
36 m²
Volume, LiDAR
536 m³
Parcel 92094C1401/00F000, Wallonia · tallest building 19.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Namur & Go
since 20162.250.380.501
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92094C1401/00F000 | Wallonia | 548 m² | 1 · 36 m² | 19.4 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNamur2.250.380.501
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Of 10,530 companies in sector 47110 we hold annual accounts for 5,858. 3,577 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-02-2016
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.