NAVIGATOR

Active

Private limited companyfounded 2011active for 15 yearsStationsstraat 17, 9700 Oudenaarde, BelgiumKBO/BCE: BE 0832.706.002

Summary

NAVIGATOR has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €172,733 and a net result of €12,129. Equity is growing by about 32% per year across the filed financial years. Its solvency ranks better than 47% of 15,452 sector peers (NACE 46, financial year 2024). The computed 12-month bankruptcy probability is 1.2% (low).

Risk analysisFollow Report Compare

NAVIGATORActiveChecked score 55/100

Risk analysis Report Compare

Activity

Agents in the wholesale of textiles, clothing, fur, footwear and leather goods

NACE 46160

1 site

Size

€482,873total assets 2024

Equity: €172,733
Profit: €12,129

Turnover not published (abbreviated or micro format)

Financial health

55 Fair Checked score 2024

Bankruptcy probabilitywithin 12 months: 1.2%

Structure

2025 accounts not filed, 85 days past the deadline2 deeds in the Belgian Official Gazette

Why 55raises riskCapped at 59: a confirmed filing findingFigures for financial year 2024 (filed 03-07-2025)Liquidity: current ratio 1.56, cash €12,523lowers riskSize: total assets €482,873Founded in 2011Show the evidence

Checked score

Score 2024

55 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 46% of its sector peers (NACE 46, micro)

A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.

Financial strength · tick = 2023

Average

Solvency 61+7

equity 35.8% of total assets

Liquidity 25+3

short-term debt 55.5% · cash 2.6%

Profitability 72+64

return on assets 2.5%

Bankruptcy probability, 12 months

1.2% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,871 companies, NACE 46, micro)

Last 24 months 11-2024: 0.4% 12-2024: 0.4%● unchanged vs 11-2024 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.5%▲ +0.1 percentage points vs 05-2025 07-2025: 0.6%▲ +0.1 percentage points vs 06-2025 08-2025: 0.2%▼ -0.4 percentage points vs 07-2025lowest value 09-2025: 0.2%● unchanged vs 08-2025lowest value 10-2025: 0.2%● unchanged vs 09-2025lowest value 11-2025: 0.2%● unchanged vs 10-2025lowest value 12-2025: 0.2%● unchanged vs 11-2025lowest value 01-2026: 0.2%● unchanged vs 12-2025lowest value 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.5%▲ +0.3 percentage points vs 07-2026 09-2026: 0.7%▲ +0.2 percentage points vs 08-2026 10-2026: 1.2%▲ +0.5 percentage points vs 09-2026highest value

Credit of up to €9,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance

Liquidity ample (current ratio 1.56, compared with 1.4 in 2023, above the usual 1.5; short-term debt: 55.5% and cash: 2.6% of total assets), but 64.2% 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 46, micro): better than 45% on solvency, 23% on liquidity, 57% on profitability and 60% on growth.

The bankruptcy probability was computed on 24-10-2026 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 riskneutral

Figures for financial year 2024 (filed 03-07-2025)

NBB · annual accounts

Size: total assets €482,873

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

NBB · annual accounts

Founded in 2011

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

KBO

Liquidity: current ratio 1.56, cash €12,523

NBB · annual accounts

Annual accounts not filed

The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 85 days later.

NBB · 10 filings

Position against the passed deadline

31-12-2025 year end31-07-2026 deadline24-10-2026 today

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not filed

2024

29 days early

2023

33 days early

2022

31 days early

2021

32 days early

2020

50 days early

2019

45 days early

← before the deadline after the deadline →

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

This company filed its last 6 accounts on average 37 days before the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

02-07-2025 Annual accounts filedfinancial year 2024 · micro…
31-12-2024 Back to profitnet €12,129
28-06-2024 Annual accounts filedfinancial year 2023 · micro…

Key points

Positive: Back in profit in 2024after -€46,406 in 2023 €12,129 View
Caution: 2025 accounts not fileddeadline was 31-07-2026 85 days past the deadline View
Total assets 20246 financial years filed €482,873 View

By topic

Financials

Financial year: 2024
Total assets: €482,873
Profit: €12,129
Solvency: 35.8%

Total assets▼ 12.7%

Net result

20182024

Go to Financials

Timeline

Events: 19
Since: 2012

31-12-2023Weakest financial year
30-06-2023Annual accounts filed
31-12-2022Equity above €200,000

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Agents in the wholesale of textiles, clothing, fur…NACE 46160
Founded: 12-01-2011
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about NAVIGATOR

What is the company number of NAVIGATOR?: 0832.706.002. In Belgium the VAT number is the company number with BE in front: BE 0832.706.002.
Where is NAVIGATOR based?: The registered office is at Stationsstraat 17, 9700 Oudenaarde.Company details
What does NAVIGATOR do?: According to the KBO register, the main activity is agents in the wholesale of textiles, clothing, fur, footwear and leather goods (NACE 46160).
What is the legal form of NAVIGATOR?: Private limited company (BV).
When was NAVIGATOR founded?: On 12-01-2011.
Is NAVIGATOR still active?: Yes, NAVIGATOR is an active enterprise in the KBO register.
What is the turnover of NAVIGATOR?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is NAVIGATOR profitable?: In financial year 2024, NAVIGATOR made a profit of €12,129.
Where can I find the annual accounts of NAVIGATOR?: NAVIGATOR filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2024.