NCL Finance
ActiveSummary
NCL Finance has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €357k and a net result of €188k. Its solvency ranks better than 52% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability50
Solvency80
Growth-
Track record79
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity short (current ratio 0.2; short-term debt: 44.7% and cash: 6% of total assets), and 45.4% 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
54.6%
Return on assets
28.7%
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 05-05-2026, 87 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
87 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, abbreviated schema
Equity
€357k
Total assets
€654k
Net result
€188k
Working capital
€-234k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €654k
Fixed assets
€596k
Current assets
€58k
Equity and liabilities €654k
Equity
€357k
Debt
€297k
Debt finances 45.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€-48k
Cash flow
€192k
Current ratio
0.20
Debt to equity
0.83
ROE
52.6%
ROA
28.7%
Interest coverage
-4.97
Debt ≤ 1 year
€292k
Debt > 1 year
€5k
Income taxes
€310
Filed annual accounts As filed with the NBB · 2025 · 44 lines
Balance sheet
Code2025
Assets
Total assets20/58€654k
Fixed assets21/28€596k
Tangible fixed assets22/27€26k
Land and buildings22€6k
Plant, machinery and equipment23€12k
Furniture and vehicles24€7k
Financial fixed assets28€570k
Current assets29/58€58k
Amounts receivable within one year40/41€17k
Trade receivables40€7k
Other amounts receivable41€10k
Cash at bank and in hand54/58€39k
Deferred charges and accrued income490/1€2k
Equity and liabilities
Total equity and liabilities10/49€654k
Equity10/15€357k
Contributions10/11€100
Reserves13€357k
Distributable reserves133€357k
Amounts payable17/49€297k
Amounts payable after more than one year17€5k
Financial debts170/4€5k
Amounts payable within one year42/48€292k
Current portion of amounts payable after more than one year42€3k
Trade debts44€11k
Suppliers440/4€11k
Taxes, remuneration and social security45€46k
Taxes450/3€46k
Other amounts payable47/48€232k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k
Other operating charges640/8€267
Gross operating margin9900€-48k
Operating profit (loss)9901€-52k
Financial income75/76B€250k
Recurring financial income75€250k
Financial charges65/66B€10k
Recurring financial charges65€10k
Profit (loss) for the period before taxes9903€188k
Income taxes67/77€310
Profit (loss) for the period9904€188k
Profit (loss) for the period to be appropriated9905€188k
Appropriation of the result
Profit (loss) to be appropriated9906€188k
Transfer from equity791/2€203k
Profit to be distributed694/7€391k
Return on contributions (dividend)694€391k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
05-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
Directors · office · real estate
Directors
3 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, Lanaken · 1 establishment unit since 2022
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.
Toekomstlaan 273621 LanakenGround area
596 m²
Building footprint
209 m²
Parcel 73064B0878/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
NCL Finance
since 20222.327.171.045
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73064B0878/00A000 | Flanders | 596 m² | 1 · 209 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
984500AEE4BEE3FD4B24
Similar companies · same sector, comparable size
TRAXICO
BE 0860.286.367
Ronse · Eq €356,813
DEMAN INVEST
BE 0432.029.684
Aalter · Eq €356,775
CRT
BE 0665.698.726
Lievegem · Eq €356,828
VITARK
BE 0440.183.327
Gent · Eq €356,845
KWERY
BE 0799.718.379
Gent · Eq €356,853
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 37,105 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
Founded07-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:Navarone043@icloud.com