Naverco
ActiveSummary
Naverco has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59k and a net result of €18k. Equity is growing by ~30% per year across the filed fiscal years. Its solvency ranks better than 94% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+22
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 21.13 against 16.25 in 2024; short-term debt: 4.7% and cash: 76.9% of total assets), and 4.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
95.3%
Return on assets
28.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-03-2026, 144 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
144 d early
2024
22 d early
2023
37 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€59k▲ 42.7%
2024 · €41k
2023: €34k
2024: €41k
2023 → 2025
Total assets
€62k▲ 40.6%
2024 · €44k
2023: €40k
2024: €44k
2023 → 2025
Net result
€18k▲ 148%
2024 · €7k
2023: €33k
2024: €7k
2023 → 2025
Working capital
€59k▲ 42.7%
2024 · €41k
2023: €34k
2024: €41k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€34k-€41k▲ 20.8%€59k▲ 42.7%
Operating result€42k-€9k▼ 78.0%€22k▲ 140%
Net result€33k-€7k▼ 78.2%€18k▲ 148%
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 140% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €62k
Equity
€59k ▲ 42.7%
Debt
€3k ▲ 8.1%
Debt's share of the balance-sheet total falls from 6.2% to 4.7%. Equity and debt are higher.
Key figures and ratios
Current ratio
21.13▲
2024 · 16.25
Quick ratio
20.77▲
2024 · 16.25
Debt to equity
0.05▼
2024 · 0.07
ROE
29.9%▲
2024 · 17.2%
ROA
28.5%▲
2024 · 16.2%
Debt ≤ 1 year
€3k▲
2024 · €3k
Income taxes
€5k▲
2024 · €2k
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 · 32 lines
Balance sheet
Code20242025
Assets
Total assets20/58€44k€62k▲
Current assets29/58€44k€62k▲
Stocks and contracts in progress3-€1k
Stocks30/36-€1k
Amounts receivable within one year40/41€18k€13k▼
Trade receivables40-€4k
Other amounts receivable41€18k€9k▼
Cash at bank and in hand54/58€26k€48k▲
Equity and liabilities
Total equity and liabilities10/49€44k€62k▲
Equity10/15€41k€59k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€40k€58k▲
Amounts payable17/49€3k€3k▲
Amounts payable within one year42/48€3k€3k▲
Trade debts44€295€151▼
Suppliers440/4€295€151▼
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€10€20▲
Income statement
Code20242025
Other operating charges640/8€399€304▼
Gross operating margin9900€10k€22k▲
Operating profit (loss)9901€9k€22k▲
Financial income75/76B€420€618▲
Recurring financial income75€420€618▲
Financial charges65/66B€39€64▲
Recurring financial charges65€39€64▲
Profit (loss) for the period before taxes9903€10k€23k▲
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€7k€18k▲
Profit (loss) for the period to be appropriated9905€7k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€58k▲
Profit (loss) brought forward from the previous period14P€33k€40k▲
The notes to these accounts (2 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
09-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €7k ▼78.2%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 16.25
Current ratio from 6.85 to 16.25; short-term debt falls from €6k to €3k.
24-06
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.
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, Edegem · 1 establishment unit since 2023
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.
Parklaan 822650 EdegemGround area
136 m²
Building footprint
75 m²
Volume, LiDAR
563 m³
Parcel 11013A0035/00G008, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Naverco
since 20232.341.740.049
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11013A0035/00G008 | Flanders | 136 m² | 1 · 75 m² | 11.2 m · 3 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.
Similar companies · same sector, comparable size
CFO CONSULTING
BE 0880.986.266
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QBA
BE 0797.173.813
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JuKa
BE 0787.503.606
Gent · Eq €59,028
NORTE INNOVATION
BE 1024.602.981
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Yucca
BE 0762.483.742
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,929 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-02-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.