NAVAMA

Active

Private limited companyfounded 2005active for 21 yearsRue Grand Vivier 22, 5352 Ohey, BelgiumKBO/BCE: BE 0873.566.261

Summary

NAVAMA has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €37,994 and a net result of €21,278. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 32% of 490 sector peers (NACE 47, financial year 2026). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisFollow Report Compare

NAVAMAActiveChecked score 86/100

Risk analysis Report Compare

Activity

Non-specialised retail sale with food, beverages or tobacco predominating

NACE 47110

10th oldest company in Ohey, Wholesale and retail trade sector1 site

Size

€274,651total assets 2026

Equity: €37,994
Profit: €21,278

Financial health

86 Excellent Checked score 2026

Bankruptcy probabilitywithin 12 months: 0.3%

Structure

FEYENKLAHSEN Martin Michaël GhislainDirector
BENAVENT LOPEZ VanesaDirector

2026 accounts filed 28 days late1 of 6 deeds summarised

Why 86raises riskSector: Retail trade (NACE 47)Equity €37,994 (13.8% of total assets)lowers riskFounded in 2005Size: total assets €274,651Show the evidence

Checked score

Score 2026

86 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 54% of its sector peers (NACE 47, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2025

Average

Solvency 39+7

equity 13.8% of total assets

Liquidity 29+12

short-term debt 86.2% · cash 20.9%

Profitability 78+62

return on assets 7.7%

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,246 companies, NACE 47, micro)

Last 24 months 11-2024: 1.6% 12-2024: 1.6%● unchanged vs 11-2024 01-2025: 1.6%● unchanged vs 12-2024 02-2025: 1.6%● unchanged vs 01-2025 03-2025: 1.6%● unchanged vs 02-2025 04-2025: 1.6%● unchanged vs 03-2025 05-2025: 1.7%▲ +0.1 percentage points vs 04-2025 06-2025: 1.9%▲ +0.2 percentage points vs 05-2025 07-2025: 1.8%▼ -0.1 percentage points vs 06-2025 08-2025: 1.9%▲ +0.1 percentage points vs 07-2025 09-2025: 2.6%▲ +0.7 percentage points vs 08-2025 10-2025: 3.4%▲ +0.8 percentage points vs 09-2025highest value 11-2025: 1.4%▼ -2.0 percentage points vs 10-2025 12-2025: 1.4%● unchanged vs 11-2025 01-2026: 1.4%● unchanged vs 12-2025 02-2026: 1.4%● unchanged vs 01-2026 03-2026: 0.9%▼ -0.5 percentage points vs 02-2026 04-2026: 0.9%● unchanged vs 03-2026 05-2026: 0.9%● unchanged vs 04-2026 06-2026: 0.9%● unchanged vs 05-2026 07-2026: 0.8%▼ -0.1 percentage points vs 06-2026 08-2026: 0.9%▲ +0.1 percentage points vs 07-2026 09-2026: 1.4%▲ +0.5 percentage points vs 08-2026 10-2026: 0.3%▼ -1.1 percentage points vs 09-2026lowest value

Credit of up to €3,000 on 30-day terms is acceptable

Liquidity tight (current ratio 1.12, compared with 1.04 in 2025, below the usual 1.5; short-term debt: 86.2% and cash: 20.9% of total assets), and 86.2% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 30% on solvency, 26% on liquidity, 68% on profitability and 94% on growth.

The bankruptcy probability was computed on 26-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises risk

Founded in 2005

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Sector: Retail trade (NACE 47)

KBO

Equity €37,994 (13.8% of total assets)

NBB · annual accounts

Size: total assets €274,651

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Growing equity

Reported equity is higher than in 2024 and did not fall compared with 2025. These amounts do not establish the cause of the change.

NBB · annual accounts 2026

Equity per financial year

1920212223242526

2019 to 2026 · latest year €37,994

2026 accounts filed 28 days late

The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 28-09-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 10 filings

Deviation from the deadline

2026

28 days late

2025

30 days late

2024

23 days late

2023

26 days late

2022

28 days late

2021

29 days late

2020

29 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 28 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today. The company usually files around 28 September (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

27-10-2026 today31-01-2027 year end31-08-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

28-09-2026 Annual accounts filedfinancial year 2026 · abbreviated…
31-01-2026 Back to profitnet €21,278
30-09-2025 Annual accounts filedfinancial year 2025 · full…

Key points

Positive: 10th oldest company in Ohey, Wholesale and retail trade sectorin the Checked rankings No. 10 View
Board2 directors in office 2 View
Total assets 20266 financial years filed €274,651 View

By topic

Financials

Financial year: 2026
Total assets: €274,651
Profit: €21,278
Solvency: 13.8%

Total assets▲ 21.8%

Net result

20192026

Go to Financials

Board & ownership

Board: 2 members

FEYENKLAHSEN Martin Michaël GhislainDirector
BENAVENT LOPEZ VanesaDirector

Go to Board & ownership

Timeline

Events: 23
Since: 2007
Next accounts: by 31-08-2027

23-09-2024Annual accounts filed
22-02-2024Reappointment: BENAVENT LOPEZ Vanesa (director)
31-01-2024Back to profit

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Non-specialised retail sale with food, beverages or tobacco…NACE 47110
Founded: 29-04-2005
Year ends: 31-01
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 26

Financial year: From 1 October to 30 September
Annual meeting: First Tuesday of January
Purpose: “L’entreprise générale de tous travaux publics et privés,notamment de…” (deed in French)

Go to Articles of association

Key facts about NAVAMA

What is the company number of NAVAMA?: 0873.566.261. In Belgium the VAT number is the company number with BE in front: BE 0873.566.261.
Where is NAVAMA based?: The registered office is at Rue Grand Vivier 22, 5352 Ohey.Company details
What does NAVAMA do?: According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
What is the legal form of NAVAMA?: Private limited company (BV).
When was NAVAMA founded?: On 29-04-2005.
Is NAVAMA still active?: Yes, NAVAMA is an active enterprise in the KBO register.
How many employees does NAVAMA have?: On average 2.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of NAVAMA?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is NAVAMA profitable?: In financial year 2026, NAVAMA made a profit of €21,278.
Where can I find the annual accounts of NAVAMA?: NAVAMA filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
When are the next annual accounts of NAVAMA due?: By 31-08-2027, for financial year 2027.Timeline