NAV-E-GATE
ActiveSummary
NAV-E-GATE has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €166k and a net result of €19k. Equity is growing by ~14.3% per year across the filed fiscal years. Its solvency ranks better than 32% of 7780 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability46▼-1
Solvency53▲+4
Growth52=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.9 against 1.03 in 2024; short-term debt: 14.6% and cash: 1% of total assets), and 72.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 25-11-2025, 25 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 · 3 filingsDeviation from the deadline
2025
25 d late
2024
7 d late
2023
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close25-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€166k▲ 13.2%
2024 · €146k
2023: €124klowest in 3 years
2024: €146k▲ +18.3% vs 2023
2025: €166k▲ +13.2% vs 2024highest in 3 years
2023 → 2025
Total assets
€599k▼ 0.4%
2024 · €601k
2023: €592klowest in 3 years
2024: €601k▲ +1.4% vs 2023highest in 3 years
2025: €599k▼ -0.4% vs 2024
2023 → 2025
Net result
€19k▼ 14.7%
2024 · €23k
2023: €24khighest in 3 years
2024: €23k▼ -4.6% vs 2023
2025: €19k▼ -14.7% vs 2024lowest in 3 years
2023 → 2025
Working capital
€-9k
2024 · €3k
2023: €-6k
2024: €3k▲ +144% vs 2023highest in 3 years
2025: €-9k▼ -441% vs 2024lowest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€124k-€146k▲ 18.3%€166k▲ 13.2%
2023: €124klowest in 3 years
2024: €146k▲ +18.3% vs 2023
2025: €166k▲ +13.2% vs 2024highest in 3 years
Operating result€34k-€30k▼ 11.4%€31k▲ 4.7%
2023: €34khighest in 3 years
2024: €30k▼ -11.4% vs 2023lowest in 3 years
2025: €31k▲ +4.7% vs 2024
Net result€24k-€23k▼ 4.6%€19k▼ 14.7%
2023: €24khighest in 3 years
2024: €23k▼ -4.6% vs 2023
2025: €19k▼ -14.7% vs 2024lowest in 3 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €599k
Fixed assets
€520k =
Current assets
€79k ▼ 3.0%
Equity and liabilities €599k
Equity
€166k ▲ 13.2%
Debt
€433k ▼ 4.8%
Debt's share of the balance-sheet total falls from 75.6% to 72.3%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
0.90▼
2024 · 1.03
Debt to equity
2.61▼
2024 · 3.11
ROE
11.7%▼
2024 · 15.5%
ROA
3.2%▼
2024 · 3.8%
Debt ≤ 1 year
€87k▲
2024 · €78k
Debt > 1 year
€345k▼
2024 · €376k
Income taxes
€6k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€601k€599k▼
Fixed assets21/28€520k€520k=
Financial fixed assets28€520k€520k=
Current assets29/58€81k€79k▼
Amounts receivable within one year40/41€71k€72k▲
Trade receivables40€61k€64k▲
Other amounts receivable41€10k€9k▼
Cash at bank and in hand54/58€10k€6k▼
Deferred charges and accrued income490/1-€396
Equity and liabilities
Total equity and liabilities10/49€601k€599k▼
Equity10/15€146k€166k▲
Contributions10/11€100k€100k=
Reserves13€46k€66k▲
Distributable reserves133€46k€66k▲
Amounts payable17/49€455k€433k▼
Amounts payable after more than one year17€376k€345k▼
Financial debts170/4€376k€345k▼
Amounts payable within one year42/48€78k€87k▲
Current portion of amounts payable after more than one year42€15k€24k▲
Trade debts44€56k€56k=
Suppliers440/4€56k€56k=
Other amounts payable47/48€8k€8k=
Income statement
Code20242025
Other operating charges640/8€109€505▲
Gross operating margin9900€30k€32k▲
Operating profit (loss)9901€30k€31k▲
Financial charges65/66B€1k€5k▲
Recurring financial charges65€1k€5k▲
Profit (loss) for the period before taxes9903€28k€26k▼
Income taxes67/77€6k€6k▲
Profit (loss) for the period9904€23k€19k▼
Profit (loss) for the period to be appropriated9905€23k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€19k▼
Transfer to equity691/2€23k€19k▼
To other reserves6921€23k€19k▼
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Other operating charges640/8 | €102 | €109 | €505 | ▲ 364% |
| Gross operating margin9900 | €34k | €30k | €32k | ▲ 6.0% |
| Operating profit (loss)9901 | €34k | €30k | €31k | ▲ 4.7% |
| Financial charges65/66B | €2k | €1k | €5k | ▲ 277% |
| Recurring financial charges65 | €2k | €1k | €5k | ▲ 277% |
| Profit (loss) for the period before taxes9903 | €32k | €28k | €26k | ▼ 9.1% |
| Income taxes67/77 | €8k | €6k | €6k | ▲ 13.7% |
| Profit (loss) for the period9904 | €24k | €23k | €19k | ▼ 14.7% |
| Profit (loss) for the period to be appropriated9905 | €24k | €23k | €19k | ▼ 14.7% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €592k | €601k | €599k | ▼ 0.4% |
| Fixed assets21/28 | €520k | €520k | €520k | = |
| Financial fixed assets28 | €520k | €520k | €520k | = |
| Current assets29/58 | €72k | €81k | €79k | ▼ 3.0% |
| Amounts receivable within one year40/41 | €67k | €71k | €72k | ▲ 2.0% |
| Trade receivables40 | €62k | €61k | €64k | ▲ 3.8% |
| Other amounts receivable41 | €5k | €10k | €9k | ▼ 9.4% |
| Cash at bank and in hand54/58 | €5k | €10k | €6k | ▼ 41.9% |
| Deferred charges and accrued income490/1 | - | - | €396 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €592k | €601k | €599k | ▼ 0.4% |
| Equity10/15 | €124k | €146k | €166k | ▲ 13.2% |
| Contributions10/11 | €100k | €100k | €100k | = |
| Reserves13 | €24k | €46k | €66k | ▲ 41.6% |
| Distributable reserves133 | €24k | €46k | €66k | ▲ 41.6% |
| Amounts payable17/49 | €469k | €455k | €433k | ▼ 4.8% |
| Amounts payable after more than one year17 | €390k | €376k | €345k | ▼ 8.2% |
| Financial debts170/4 | €390k | €376k | €345k | ▼ 8.2% |
| Amounts payable within one year42/48 | €78k | €78k | €87k | ▲ 11.6% |
| Current portion of amounts payable after more than one year42 | €15k | €15k | €24k | ▲ 61.6% |
| Trade debts44 | €56k | €56k | €56k | = |
| Suppliers440/4 | €56k | €56k | €56k | = |
| Other amounts payable47/48 | €8k | €8k | €8k | = |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €24k | €23k | €19k | ▼ 14.7% |
| Operating cash flow (approximation) | €24k | €23k | €19k | ▼ 14.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - |
| Change in cash | - | €5k | €-4k | ▼ 188% |
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
2025
25-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
31-03
Financial
Weakest financial yearnet €19k ▼14.7%
Net result drops to €19k, the lowest in the series.
31-03
Financial
Equity above €150kEq €166k ▲13.2%
3 profitable years in a row build equity to €166k.
2024
07-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Ranst · 1 establishment unit since 2021
Ground area
855 m²
Building footprint
152 m²
Volume, LiDAR
998 m³
Parcel 11015A0239/00P000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
NAV-E-GATE
since 20212.326.611.415
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11015A0239/00P000 | Flanders | 855 m² | 1 · 152 m² | 9.7 m · 2 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.
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Of 24,497 companies in sector 82990 we hold annual accounts for 9,406. 7,080 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
Founded28-12-2021
Fiscal year end31-03
Activities, NACEBEL 2025
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.