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Navimo

Active
Cooperative companyfounded 20251 yr activeChaussée de Wavre 24, 5030 Gembloux, BelgiumKBO/BCE: BE 1023.548.849
Summary

Navimo has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €743 and a net result of -€507. Its solvency ranks better than 29% of 16707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Activity
Renting and operating of own or leased non-residential real estate, excluding land
NACE 68203Other social work without accommodation NACE 88999
1 site
Size
€10,221total assets 2025
Equity
€743
Loss
-€507
Turnover not published (abridged schema)
Financial health
86 Excellent Checked score 2025
Bankruptcy chance 12 m
0.3%
Structure
Accounts filed 31 d late0 of 1 deed read
Why 86- Latest accounts 31 days late; 1 of the last 3 late+ Sector Real estate activities (NACE 68)+ Liquidity: cash €5,311+ Size: total assets €10,221Show the evidence

Checked score

Score 2025
86 / 100
Excellent
Probability in this band: under 0.55%
Better than 59% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Financial strength
Strong
Solvency 32
equity 7.3% of total assets
Liquidity 100
cash 52.0%
Profitability 63
return on assets -5.0%
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 0.2% (26,526 companies)
Last 24 months 06-2026: 0.8% 07-2026: 0.8%● 0.0% vs 06-2026 08-2026: 0.8%▲ +3.0% vs 07-2026highest value 09-2026: 0.3%▼ -58.4% vs 08-2026lowest value 10-2026: 0.3%● 0.0% vs 09-2026lowest value
  • Sector Real estate activities (NACE 68) lowers the probability
  • Liquidity: cash €5,311 lowers the probability
  • Latest accounts 31 days late; 1 of the last 3 late raises the probability
  • Size: total assets €10,221 lowers the probability for this profile
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 28%, liquidity 98%, profitability 50%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Sector Real estate activities (NACE 68)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Liquidity: cash €5,311
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Latest accounts 31 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Size: total assets €10,221
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Young company
Founded in 2025, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 1 filing
Deviation from the deadline
2025
31 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…

Key points

  • Founded 16 months agofounded 21-05-2025 16 mo View
  • Total assets 2025first fiscal year filed €10,221 View

By topic

Financials

Fiscal year
2025
Total assets
€10,221
Loss
-€507
Solvency
7.3%
Go to Financials

Company details

Sites
1
Legal form
Cooperative company
Activity
Renting and operating of own or leased non-residential…NACE 68203
Founded
21-05-2025
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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