NAVIS ACCRETIO
ActiveNAVIS ACCRETIO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €114k and a net result of €985. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 9389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-71
Solvency100=
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 18.29 against 13.71 in 2024), and 5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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%
Return on assets
0.8%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-02-2026, 62 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
62 d early
2024
128 d early
2023
106 d early
2022
131 d early
2021
131 d early
2020
116 d early
2019
126 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€114k▼ 35.5%
2024 · €177k
2018: €115k
2019: €126k
2020: €142k
2021: €160k
2022: €157k
2023: €151k
2024: €177k
2018 → 2025
Total assets
€121k▼ 36.6%
2024 · €190k
2018: €136k
2019: €141k
2020: €230k
2021: €165k
2022: €161k
2023: €156k
2024: €190k
2018 → 2025
Net result
€985▼ 96.3%
2024 · €26k
2018: €-17k
2019: €11k
2020: €17k
2021: €36k
2022: €6k
2023: €8k
2024: €26k
2018 → 2025
Working capital
€105k▼ 35.1%
2024 · €161k
2018: €31k
2019: €39k
2020: €60k
2021: €160k
2022: €157k
2023: €133k
2024: €161k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€160k-€157k▼ 2.3%€151k▼ 3.6%€177k▲ 17.5%€114k▼ 35.5%
Operating result€51k-€10k▼ 79.9%€14k▲ 36.5%€39k▲ 181%€2k▼ 94.1%
Net result€36k-€6k▼ 82.7%€8k▲ 31.4%€26k▲ 223%€985▼ 96.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 94% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121k
Fixed assets
€10k▼ 38.9%
Current assets
€111k▼ 36.4%
Equity and liabilities €121k
Equity
€114k▼ 35.5%
Debt
€6k▼ 52.3%
The debt ratio falls from 6.7% to 5.0%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€6k▼
2024 · €49k
Cash flow
€5k▼
2024 · €36k
Solvency
95.0%▲
2024 · 93.3%
Current ratio
18.29▲
2024 · 13.71
Quick ratio
18.29▲
2024 · 13.71
Debt / equity
0.05▼
2024 · 0.07
ROE
0.9%▼
2024 · 14.9%
ROA
0.8%▼
2024 · 13.9%
Interest coverage
8.02▼
2024 · 380.09
Debt
€6k▼
2024 · €13k
Debt ≤ 1 year
€6k▼
2024 · €13k
Income taxes
€570▼
2024 · €13k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€190k€121k▼
Fixed assets21/28€16k€10k▼
Tangible fixed assets22/27€16k€10k▼
Furniture and vehicles24€16k€10k▼
Current assets29/58€174k€111k▼
Amounts receivable within one year40/41€31k€9k▼
Trade receivables40€4k€4k▲
Other amounts receivable41€26k€5k▼
Cash at bank and in hand54/58€143k€100k▼
Deferred charges and accrued income490/1€265€1k▲
Equity and liabilities
Total equity and liabilities10/49€190k€121k▼
Equity10/15€177k€114k▼
Contributions10/11€13k€13k=
Reserves13€135k€102k▼
Distributable reserves133€135k€102k▼
Profit (loss) carried forward14€30k-
Amounts payable17/49€13k€6k▼
Amounts payable within one year42/48€13k€6k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€11k€3k▼
Taxes450/3€8k€469▼
Remuneration and social security454/9€3k€3k=
Income statement
Code20242025
Non-recurring operating income76A-€11k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€4k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€26k
Other operating charges640/8€1k€592▼
Gross operating margin9900€50k€32k▼
Operating profit (loss)9901€39k€2k▼
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€128€762▲
Recurring financial charges65€128€762▲
Profit (loss) for the period before taxes9903€39k€2k▼
Income taxes67/77€13k€570▼
Profit (loss) for the period9904€26k€985▼
Profit (loss) for the period to be appropriated9905€26k€985▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€31k▼
Profit (loss) brought forward from the previous period14P€30k€30k=
Transfer from equity791/2-€64k
Transfer to equity691/2€26k€31k▲
To other reserves6921€26k€31k▲
Profit to be distributed694/7-€64k
Return on contributions (dividend)694-€64k
The notes to these accounts (6 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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
15-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-09
Financial
Highest result since 2018net €36k ▲113%
Operating result €51k, net result €36k, both a record.
30-09
Financial
Liquidity times 22current ratio 37.89
Current ratio from 1.69 to 37.89; short-term debt falls from €87k to €4k.
30-09
Financial
Equity above €150kEq €160k ▲12.6%
3 profitable years in a row build equity to €160k.
04-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
26-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
30-09
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
08-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
20-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Hasselt · 1 establishment unit since 2007
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.
Monerikstraat 33511 HasseltGround area
505 m²
Building footprint
82 m²
Volume, LiDAR
541 m³
Parcel 71032B0602/00D000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Navis Accretio
since 20072.163.923.609
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71032B0602/00D000 | Flanders | 505 m² | 1 · 82 m² | 8.5 m · 2 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.
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Of 2,140 companies in sector 71209 we hold annual accounts for 1,081. 821 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-05-2007
Fiscal year end30-09
Activities, NACEBEL
71209Other technical testing and analysis
74302
71121Engineering and related technical consultancy, excluding land surveyors
74203
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:davy.cloostermans@telenet.be