NCO GROUP
ActiveThe computed 12-month bankruptcy probability of NCO GROUP is 1.8% (moderate). The 2025 annual accounts show equity of €9k and a net result of €-1k. Its solvency ranks better than 17% of 912 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
35
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability36
Solvency29
Growth-
Track record67
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.98; short-term debt: 96.4% and cash: 0.9% of total assets), and 96.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
3.6%
Return on assets
-0.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 912 sector peers (2025).
NBB · sector comparisonPosition among 912 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 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 filingDeviation from the deadline
2025
47 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€9k
Total assets
€242k
Net result
€-1k
Working capital
€-5k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €238k
Fixed assets
€10k
Current assets
€228k
Equity and liabilities €242k
Equity
€9k
Debt
€233k
Debt finances 96.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€-99
Cash flow
€-8
Solvency
3.6%
Current ratio
0.98
Quick ratio
0.98
Debt / equity
26.86
ROE
-15.2%
ROA
-0.5%
Debt
€233k
Debt ≤ 1 year
€233k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€242k
Formation expenses20€4k
Fixed assets21/28€10k
Intangible fixed assets21€5k
Financial fixed assets28€5k
Current assets29/58€228k
Amounts receivable within one year40/41€226k
Other amounts receivable41€226k
Cash at bank and in hand54/58€2k
Equity and liabilities
Total equity and liabilities10/49€242k
Equity10/15€9k
Contributions10/11€10k
Profit (loss) carried forward14€-1k
Amounts payable17/49€233k
Amounts payable within one year42/48€233k
Trade debts44€5k
Suppliers440/4€5k
Other amounts payable47/48€229k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k
Gross operating margin9900€-99
Operating profit (loss)9901€-1k
Financial income75/76B€91
Recurring financial income75€91
Profit (loss) for the period before taxes9903€-1k
Profit (loss) for the period9904€-1k
Profit (loss) for the period to be appropriated9905€-1k
Appropriation of the result
Profit (loss) to be appropriated9906€-1k
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
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 47 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Berloz · 1 establishment unit since 2025
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.
Rue de Willine 644257 BerlozGround area
1,118 m²
Building footprint
101 m²
Volume, LiDAR
656 m³
Parcel 64008A0211/00C000, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NCO GROUP
since 20252.378.522.845
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64008A0211/00C000 | Wallonia | 1,118 m² | 1 · 100 m² | 8.0 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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BE 0544.648.961
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BE 0597.636.497
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Of 421 companies in sector 77400 we hold annual accounts for 152. 71 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-09-2025
Fiscal year end31-12
Activities, NACEBEL
77400Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.