NASIQ
ActiveNASIQ has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63k and a net result of €20k. Equity is growing by ~29.6% per year across the filed fiscal years. Its solvency ranks better than 62% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+14
Solvency74▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.93 in 2024; short-term debt: 51.4% and cash: 2.2% of total assets), and 51.4% 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 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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
48.6%
Return on assets
15.5%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-03-2026, 59 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 · 5 filingsDeviation from the deadline
2025
59 d late
2024
395 d late
2023
28 d late
2022
28 d late
2021
59 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€63k▲ 47.1%
2024 · €43k
2021: €21k
2022: €33k
2023: €36k
2024: €43k
2021 → 2025
Total assets
€130k▲ 41.5%
2024 · €92k
2021: €59k
2022: €85k
2023: €87k
2024: €92k
2021 → 2025
Net result
€20k▲ 209%
2024 · €7k
2021: €1k
2022: €12k
2023: €4k
2024: €7k
2021 → 2025
Working capital
€33k▼ 13.8%
2024 · €38k
2021: €16k
2022: €26k
2023: €29k
2024: €38k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€33k▲ 57.8%€36k▲ 11.3%€43k▲ 18.0%€63k▲ 47.1%
Operating result€3k-€17k▲ 430%€6k▼ 63.3%€13k▲ 104%€29k▲ 128%
Net result€1k-€12k▲ 980%€4k▼ 69.2%€7k▲ 77.3%€20k▲ 209%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 128% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €130k
Fixed assets
€30k▲ 140%
Current assets
€100k▲ 25.9%
Equity and liabilities €130k
Equity
€63k▲ 47.1%
Debt
€67k▲ 36.6%
The debt ratio falls from 53.3% to 51.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€36k▲
2024 · €19k
Cash flow
€28k▲
2024 · €13k
Solvency
48.6%▲
2024 · 46.7%
Current ratio
1.49▼
2024 · 1.93
Quick ratio
0.50▼
2024 · 0.67
Debt / equity
1.06▼
2024 · 1.14
ROE
32.0%▲
2024 · 15.2%
ROA
15.5%▲
2024 · 7.1%
Interest coverage
11.53▲
2024 · 5.57
Debt
€67k▲
2024 · €49k
Debt ≤ 1 year
€67k▲
2024 · €41k
Income taxes
€5k▲
2024 · €3k
Staff costs
€35k▲
2024 · €30k
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€92k€130k▲
Fixed assets21/28€13k€30k▲
Tangible fixed assets22/27€11k€28k▲
Furniture and vehicles24€1k€23k▲
Leasing and similar rights25€9k€5k▼
Financial fixed assets28€2k€2k=
Current assets29/58€79k€100k▲
Stocks and contracts in progress3€52k€67k▲
Stocks30/36€52k€67k▲
Amounts receivable within one year40/41€26k€30k▲
Other amounts receivable41€26k€30k▲
Cash at bank and in hand54/58€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€92k€130k▲
Equity10/15€43k€63k▲
Contributions10/11€110€110=
Reserves13€7k€7k=
Tax-exempt reserves132€7k€7k=
Profit (loss) carried forward14€36k€56k▲
Amounts payable17/49€49k€67k▲
Amounts payable after more than one year17€8k-
Financial debts170/4€8k-
Amounts payable within one year42/48€41k€67k▲
Current portion of amounts payable after more than one year42€4k€8k▲
Trade debts44€6k€12k▲
Suppliers440/4€6k€12k▲
Taxes, remuneration and social security45€21k€25k▲
Taxes450/3€3k€6k▲
Remuneration and social security454/9€18k€19k▲
Other amounts payable47/48€10k€22k▲
Income statement
Code20242025
Remuneration, social security and pensions62€30k€35k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€50k€73k▲
Operating profit (loss)9901€13k€29k▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€9k€26k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€7k€20k▲
Profit (loss) for the period to be appropriated9905€7k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€36k€56k▲
Profit (loss) brought forward from the previous period14P€30k€36k▲
The notes to these accounts (8 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 59 days late
02-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 395 days late
2025
30-06
Financial
Highest result since 2021net €20k ▲209%
Operating result €29k, net result €20k, both a record.
2024
28-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Courcelles · 1 establishment unit since 2017
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.
Grand-Rue(TR) 936183 CourcellesGround area
1,039 m²
Building footprint
240 m²
Volume, LiDAR
1,582 m³
2 parcels, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GENERAL FOOD SHOP - TABAC SHOP
since 20172.265.689.277
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52322A0357/00N004 | Wallonia | 524 m² | 1 · 177 m² | 7.1 m · 2 fl. |
| 52066B0906/00W004indicative | Wallonia | 515 m² | 1 · 62 m² | 11.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels 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 siteCourcelles2.265.689.277
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SIRIN
BE 0439.507.394
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ALI INVEST
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JF TRADERS
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Of 10,530 companies in sector 47110 we hold annual accounts for 5,858. 4,671 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-07-2017
Fiscal year end30-06
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47260Retail trade
47252Retail sale of beverages, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.