Checked.be
Active
BE 0633.667.643Private limited company (pre-2019)
NB Technics
Helleweg 11 ·2275 Lille, Belgium· 11 yrs active
Sector: Plumbing work
(43221)
Conclusion
NB Technics has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €482k and a net result of €229k. Equity is growing by ~28.5% per year across the filed fiscal years. Its solvency ranks better than 48% of 26547 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €482k |
| Net result | €229k |
| Staff (FTE) | 2 |
| Better than sector | 48% |
Financial profile
91
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
86
Profitability
100
Solvency
90
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2015, 11 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
86
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€40k
estimate, not credit advice
Score history
83
2021
91
2022
94
2023
100
2024
86
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.99 (≥ 1.5)
+10
Quick ratio
Quick ratio 1.98 (≥ 1.0)
+5
Leverage
Debt/equity 1.20 (< 2.0)
+3
Profitability
ROE 48% (≥ 10%)
+10
Interest coverage
Interest coverage 65.2× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 17-08-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~28.5%/year over 5 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 43, Specialised construction activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 45.4% | 47.4% | |
| Net result | €229k | €10k | |
| Equity | €482k | €60k | |
| Gross operating margin | €492k | €39k | |
| Staff costs | €126k | €40k |
€366k
-7.8%
21-25
€229k
-12.3%
21-25
€276k
-10.8%
21-25
€1.06M
+24.4%
21-25
€482k
+6.5%
21-25
€424k
+6.3%
21-25
2
0.0%
21-25
€126k
+5.5%
21-25
€84k
-1.0%
21-25
€200k
+66.7%
21-25
€580k
+44.5%
21-25
€428k
+90.1%
21-25
€152k
-13.8%
21-25
1.99
-28.2%
21-25
1.98
-28.0%
21-25
45.4%
-14.4%
21-25
1.20
+35.7%
21-25
47.6%
-17.7%
21-25
21.6%
-29.5%
21-25
65.19
-2.0%
21-25
Figures by fiscal year and ratios
Change versus the prior fiscal year, coloured by direction (green = favourable).
| Fiscal year | 2025 Δ | 2024 Δ | 2023 Δ | 2022 Δ | 2021 Δ |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | -7.8% | +31.7% | +79.8% | +22.0% | - |
| Net profit | -12.3% | +22.3% | +119.6% | +80.5% | - |
| Cash flow | -10.8% | +22.4% | +84.5% | +24.4% | - |
| Staff costs | +5.5% | +7.6% | -21.1% | +83.5% | - |
| Income taxes | -1.0% | +53.1% | +111.3% | +18.8% | - |
| Dividends | +66.7% | +9.1% | +83.3% | - | - |
| Total assets | +24.4% | +13.3% | +1.7% | +25.2% | - |
| Equity | +6.5% | +45.5% | +50.1% | +22.0% | - |
| Debt | +44.5% | -9.4% | -17.1% | +26.5% | - |
| of which ≤ 1y | +90.1% | -13.1% | +1.0% | +48.6% | - |
| of which > 1y | -13.8% | +2.3% | -17.9% | -15.8% | - |
| Working capital | +6.3% | +51.8% | +20.2% | +91.2% | - |
| Employees (FTE) | 0.0% | 0.0% | -33.3% | +50.0% | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 1.99 | 2.77 | 2.01 | 1.85 | 1.66 |
| Quick ratio | 1.98 | 2.75 | 2.00 | 1.84 | 1.64 |
| Working capital ratio | 39.9% | 46.7% | 34.9% | 29.5% | 19.3% |
| Solvency | 45.4% | 53.0% | 41.3% | 28.0% | 28.7% |
| Debt / equity | 1.20 | 0.89 | 1.42 | 2.58 | 2.49 |
| Long-term debt ratio | 0.32 | 0.39 | 0.55 | 1.01 | 1.47 |
| Interest coverage | 65.19 | 66.54 | 82.86 | 40.12 | 27.20 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 21.6% | 30.6% | 28.4% | 13.1% | 9.1% |
| ROE | 47.6% | 57.8% | 68.7% | 47.0% | 31.8% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €1.06M | €854k | €754k | €741k | €592k |
| Fixed assets | 21/28 | €211k | €230k | €232k | €266k | €305k |
| Tangible fixed assets | 22/27 | €210k | €230k | €232k | €266k | €305k |
| Financial fixed assets | 28 | €27 | €26 | €15 | €15 | - |
| Current assets | 29/58 | €852k | €624k | €522k | €475k | €287k |
| Stocks & contracts in progress | 3 | €5k | €5k | €3k | €3k | €3k |
| Amounts receivable within one year | 40/41 | €96k | €133k | €90k | €63k | €87k |
| Cash & bank | 54/58 | €744k | €455k | €398k | €381k | €185k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.06M | €854k | €754k | €741k | €592k |
| Equity | 10/15 | €482k | €453k | €311k | €207k | €170k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k | €19k |
| Reserves | 13 | €2k | €2k | €2k | €2k | €2k |
| Accumulated profits (losses) | 14 | €462k | €432k | €291k | €187k | €149k |
| Amounts payable | 17/49 | €580k | €401k | €443k | €534k | €422k |
| Amounts payable after one year | 17 | €152k | €176k | €172k | €210k | €250k |
| Amounts payable within one year | 42/48 | €428k | €225k | €259k | €257k | €173k |
| Trade debts payable within one year | 44 | €45k | €20k | €43k | €93k | €71k |
| Income statement | ||||||
| Gross operating margin | 9900 | €492k | €516k | €413k | €309k | €214k |
| Operating result | 9901 | €319k | €349k | €262k | €128k | €81k |
| Financial income | 75 | €132 | €4k | €11k | €1 | - |
| Financial charges | 65 | €6k | €6k | €4k | €4k | €5k |
| Result before taxes | 9903 | €314k | €347k | €269k | €124k | €76k |
| Income taxes | 67/77 | €84k | €85k | €56k | €26k | €22k |
| Net result for the period | 9904 | €229k | €262k | €214k | €97k | €54k |
| Result to be appropriated | 9905 | €229k | €262k | €214k | €97k | €54k |
Legal Structure
| NACE primary | Plumbing work(43221) |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 08-07-2015 |
| Status | Active |
| Postal code | 2275 |
Establishment units
NB Technics
since 20152.244.182.496
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13019E0785/00H000 | Flanders | 616 m² | 1 · 140 m² | 9.0 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2021net €262k ▲22.3%
Operating result €349k, net result €262k, both a record.
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 54 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Equity above €200kEq €207k ▲22%
2 profitable years in a row build equity to €207k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Plumbing work43221Installation of electric heating, air conditioning, cooling and ventilation43222
Names & trade names
| Legal nameNL | NB Technics |
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