ND 96
ActiveSummary
The computed 12-month bankruptcy probability of ND 96 is 4.9% (elevated). The 2025 annual accounts show negative equity (€-428k) and a net result of €18k. Equity is shrinking by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 5% of 10407 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability46▲+46
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
4.9%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.55 against 0.59 in 2024; short-term debt: 181% and cash: 13.6% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
-81%
Return on assets
3.4%
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 5% of 10407 sector peers (2025).
NBB · sector comparisonPosition among 10407 sector peers
Solvency
better than 5%
← weakest
strongest →
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 28-07-2026, 3 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
3 d early
2024
26 d late
2024
11 d late
2023
16 d late
2022
27 d late
2021
14 d late
2020
28 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€11.13M
EBIT margin
0.2%
Net result
€18k
2024 · €-99k
2020: €-12k
2021: €-187k▼ -1492% vs 2020
2022: €-206k▼ -10.3% vs 2021lowest value
2023: €64k▲ +131% vs 2022highest value
2024: €-8k▼ -113% vs 2023
2024: €-99k
2025: €18k▲ +118% vs 2024
2020 → 2025
Working capital
€-431k▲ 4.0%
2024 · €-449k
2020: €-17khighest value
2021: €-212k▼ -1176% vs 2020
2022: €-403k▼ -90.4% vs 2021
2023: €-341k▲ +15.3% vs 2022
2024: €-350k▼ -2.5% vs 2023
2024: €-449klowest value
2025: €-431k▲ +4.0% vs 2024
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420242025Trend
Turnover€11.13M
Equity€-403k-€-339k▲ 15.9%€-347k▼ 2.5%€-446k▼ 28.7%€-428k▲ 4.0%
2022: €-403k
2023: €-339k▲ +15.9% vs 2022highest value
2024: €-347k▼ -2.5% vs 2023
2024: €-446klowest value
2025: €-428k▲ +4.0% vs 2024
Operating result€-201k-€68k€-2k€-96k▼ 6,020%€26k
2022: €-201klowest value
2023: €68k▲ +134% vs 2022highest value
2024: €-2k▼ -102% vs 2023
2024: €-96k
2025: €26k▲ +127% vs 2024
Net result€-206k-€64k€-8k€-99k▼ 1,085%€18k
2022: €-206klowest value
2023: €64k▲ +131% vs 2022highest value
2024: €-8k▼ -113% vs 2023
2024: €-99k
2025: €18k▲ +118% vs 2024
Result per fiscal year
Operating resultNet result
Multiple fiscal year ends fall in the same calendar year; an annual trend is not displayed.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €529k
Fixed assets
€3k =
Current assets
€526k ▼ 17.2%
Key figures and ratios
Solvency
-81.0%▼
2024 · -69.9%
Current ratio
0.55▼
2024 · 0.59
Quick ratio
0.11▼
2024 · 0.25
Debt to equity
-2.23▲
2024 · -2.43
ROA
3.4%▲
2024 · -15.6%
Debt
€957k▼
2024 · €1.08M
Debt ≤ 1 year
€957k▼
2024 · €1.08M
Income taxes
€297▲
2024 · €150
Staff costs
€764k▲
2024 · €435k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€638k€529k▼
Fixed assets21/28€3k€3k=
Financial fixed assets28€3k€3k=
Current assets29/58€636k€526k▼
Stocks and contracts in progress3€369k€420k▲
Stocks30/36€369k€420k▲
Amounts receivable within one year40/41€141k€15k▼
Trade receivables40€111k€9k▼
Other amounts receivable41€30k€6k▼
Cash at bank and in hand54/58€77k€72k▼
Deferred charges and accrued income490/1€49k€19k▼
Equity and liabilities
Total equity and liabilities10/49€638k€529k▼
Equity10/15€-446k€-428k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-449k€-431k▲
Amounts payable17/49€1.08M€957k▼
Amounts payable within one year42/48€1.08M€957k▼
Trade debts44€952k€829k▼
Suppliers440/4€952k€829k▼
Taxes, remuneration and social security45€132k€128k▼
Taxes450/3€5k€4k▼
Remuneration and social security454/9€127k€124k▼
Other amounts payable47/48€1k-
Income statement
Code20242025
Turnover70-€11.13M
Non-recurring operating income76A-€23k
Goods, raw materials, services and sundry goods60/61-€10.43M
Remuneration, social security and pensions62€435k€764k▲
Other operating charges640/8€7k€77k▲
Gross operating margin9900€345k€867k▲
Operating profit (loss)9901€-96k€26k▲
Financial income75/76B€379€2k▲
Recurring financial income75€379€2k▲
Financial charges65/66B€4k€9k▲
Recurring financial charges65€4k€9k▲
Profit (loss) for the period before taxes9903€-99k€18k▲
Income taxes67/77€150€297▲
Profit (loss) for the period9904€-99k€18k▲
Profit (loss) for the period to be appropriated9905€-99k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-449k€-431k▲
Profit (loss) brought forward from the previous period14P€-349k€-449k▼
Social balance
Average headcount (FTE)908717.717.0▼
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | - | €11.13M | - |
| Non-recurring operating income76A | - | - | - | - | €23k | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | - | €10.43M | - |
| Remuneration, social security and pensions62 | €601k | €503k | €683k | €435k | €764k | ▲ 75.8% |
| Other operating charges640/8 | €10k | €6k | €14k | €7k | €77k | ▲ 1,081% |
| Gross operating margin9900 | €411k | €577k | €696k | €345k | €867k | ▲ 151% |
| Operating profit (loss)9901 | €-201k | €68k | €-2k | €-96k | €26k | ▲ 127% |
| Financial income75/76B | €37 | €392 | €32 | €379 | €2k | ▲ 355% |
| Recurring financial income75 | €37 | €392 | €32 | €379 | €2k | ▲ 355% |
| Financial charges65/66B | €5k | €4k | €7k | €4k | €9k | ▲ 154% |
| Recurring financial charges65 | €5k | €4k | €7k | €4k | €9k | ▲ 154% |
| Profit (loss) for the period before taxes9903 | €-206k | €64k | €-8k | €-99k | €18k | ▲ 118% |
| Income taxes67/77 | €151 | €257 | €315 | €150 | €297 | ▲ 98.0% |
| Profit (loss) for the period9904 | €-206k | €64k | €-8k | €-99k | €18k | ▲ 118% |
| Profit (loss) for the period to be appropriated9905 | €-206k | €64k | €-8k | €-99k | €18k | ▲ 118% |
| Line | 2022 | 2023 | 2024 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €373k | €484k | €583k | €638k | €529k | ▼ 17.2% |
| Fixed assets21/28 | - | €3k | €3k | €3k | €3k | = |
| Financial fixed assets28 | - | €3k | €3k | €3k | €3k | = |
| Current assets29/58 | €373k | €481k | €580k | €636k | €526k | ▼ 17.2% |
| Stocks and contracts in progress3 | €288k | €326k | €359k | €369k | €420k | ▲ 13.7% |
| Stocks30/36 | €288k | €326k | €359k | €369k | €420k | ▲ 13.7% |
| Amounts receivable within one year40/41 | €10k | €6k | €16k | €141k | €15k | ▼ 89.1% |
| Trade receivables40 | €8k | €3k | €11k | €111k | €9k | ▼ 91.8% |
| Other amounts receivable41 | €3k | €4k | €5k | €30k | €6k | ▼ 79.0% |
| Cash at bank and in hand54/58 | €65k | €87k | €137k | €77k | €72k | ▼ 7.1% |
| Deferred charges and accrued income490/1 | €10k | €61k | €68k | €49k | €19k | ▼ 60.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €373k | €484k | €583k | €638k | €529k | ▼ 17.2% |
| Equity10/15 | €-403k | €-339k | €-347k | €-446k | €-428k | ▲ 4.0% |
| Contributions10/11 | €3k | €3k | €3k | €3k | €3k | = |
| Profit (loss) carried forward14 | €-405k | €-341k | €-349k | €-449k | €-431k | ▲ 4.0% |
| Amounts payable17/49 | €776k | €822k | €930k | €1.08M | €957k | ▼ 11.8% |
| Amounts payable within one year42/48 | €776k | €822k | €930k | €1.08M | €957k | ▼ 11.8% |
| Trade debts44 | €673k | €734k | €843k | €952k | €829k | ▼ 12.9% |
| Suppliers440/4 | €673k | €734k | €843k | €952k | €829k | ▼ 12.9% |
| Taxes, remuneration and social security45 | €98k | €83k | €85k | €132k | €128k | ▼ 2.6% |
| Taxes450/3 | €5k | €4k | €10k | €5k | €4k | ▼ 13.7% |
| Remuneration and social security454/9 | €94k | €79k | €75k | €127k | €124k | ▼ 2.1% |
| Other amounts payable47/48 | €5k | €5k | €2k | €1k | - | - |
| Line | 2022 | 2023 | 2024 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-206k | €64k | €-8k | €-99k | €18k | ▲ 118% |
| Operating cash flow (approximation) | €-206k | €64k | €-8k | €-99k | €18k | ▲ 118% |
| Investment in fixed assets (approximation) | - | - | €0 | - | €0 | - |
| Change in cash | - | €23k | €50k | - | €-5k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €18k
Net result €18k after 2 loss-making years.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 26 days late
11-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 11 days late
2024
16-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 16 days late
2023
30-06
Financial
Back to profitnet €64k
Net result €64k after 3 loss-making years.
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 27 days late
2022
30-06
Financial
Weakest financial yearnet €-206k
Net result drops to €-206k, the lowest in the series; recovery starts the following year.
14-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 14 days late
2021
28-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
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.
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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, Namur · 5 establishment units since 2019
Ground area
1.4 ha
Building footprint
1,732 m²
Volume, LiDAR
616 m³
6 parcels, Wallonia · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
44
companies at this address
See who is registered here
5 establishment units
ND 96 PHILIPPEVILLE
since 20192.292.782.862
ND 100 SIVRY
since 20202.300.237.313
ND 101 FLORENNES 2
since 20202.303.793.946
ND 30 FLORENNES
since 20202.307.182.414
ND 122 GEMBLOUX 2
since 20222.335.323.104
6 parcels
Wallonia
6
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93022L0043/00W000 | Wallonia | 5,026 m² | 1 · 367 m² | - |
| 56070H0400/00S002 | Wallonia | 2,539 m² | 1 · 98 m² | - |
| 92255B0049/00W002 | Wallonia | 2,438 m² | 1 · 189 m² | - |
| 93056D0116/00G002 | Wallonia | 1,552 m² | 1 · 829 m² | - |
| 92094B0311/00Z005 | Wallonia | 1,172 m² | 1 · 93 m² | 10.1 m · 2 fl. |
| 93022K0290/00K000 | Wallonia | 1,141 m² | 1 · 155 m² | - |
Linked by address, not proof of ownership
Good to know
6 of 6 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
5 sitesFlorennes2.303.793.946
Florennes2.307.182.414
Gembloux2.335.323.104
Philippeville2.292.782.862
Show 1 more sites
Sivry-Rance2.300.237.313
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,851. 1,900 are within a factor 10 of this headcount. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47621Retail sale of newspapers and periodicals
47260Retail trade
61100Wired, wireless and satellite telecommunications
92000Gambling and betting activities
Scores and ratios are computed by Checked and are not a credit decision.