NECODEM
ActiveThe computed 12-month bankruptcy probability of NECODEM is 3.3% (moderate). The 2025 annual accounts show equity of €85k and a net result of €2k. Equity is growing by ~41.9% per year across the filed fiscal years. Its solvency ranks better than 43% of 4320 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy▼ -28 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▼-90
Solvency59▼-30
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 1.85 in 2024), and 68.3% 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.
−lowers risk+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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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
31.7%
Return on assets
0.6%
Age of the figures
8 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 31-07-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
55 d early
← before the deadline
after the deadline →
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
08-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€85k▲ 2.0%
2024 · €83k
2023: €15k
2024: €83k
2023 → 2025
Total assets
€269k▲ 52.0%
2024 · €177k
2023: €41k
2024: €177k
2023 → 2025
Net result
€2k▼ 97.5%
2024 · €68k
2023: €7k
2024: €68k
2023 → 2025
Working capital
€79k▲ 1.2%
2024 · €78k
2023: €8k
2024: €78k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€15k-€83k▲ 448%€85k▲ 2.0%
Operating result€11k-€95k▲ 784%€11k▼ 88.7%
Net result€7k-€68k▲ 845%€2k▼ 97.5%
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 89% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €269k
Fixed assets
€6k=
Current assets
€262k▲ 54.0%
Equity and liabilities €269k
Equity
€85k▲ 2.0%
Debt
€183k▲ 96.8%
The debt ratio rises from 52.7% to 68.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€15k▼
2024 · €100k
Cash flow
€6k▼
2024 · €73k
Solvency
31.7%▼
2024 · 47.3%
Current ratio
1.43▼
2024 · 1.85
Quick ratio
1.43▼
2024 · 1.85
Debt / equity
2.15▲
2024 · 1.12
ROE
2.0%▼
2024 · 81.8%
ROA
0.6%▼
2024 · 38.6%
Interest coverage
1.90▼
2024 · 23.40
Debt
€183k▲
2024 · €93k
Debt ≤ 1 year
€183k▲
2024 · €92k
Income taxes
€2k▼
2024 · €23k
Staff costs
€291k▲
2024 · €93k
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€177k€269k▲
Formation expenses20€0€0=
Fixed assets21/28€6k€6k=
Tangible fixed assets22/27€6k€5k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€6k€4k▼
Financial fixed assets28-€1k
Current assets29/58€170k€262k▲
Amounts receivable within one year40/41€157k€209k▲
Trade receivables40€96k€83k▼
Other amounts receivable41€61k€126k▲
Cash at bank and in hand54/58€13k€13k▼
Deferred charges and accrued income490/1€25€41k▲
Equity and liabilities
Total equity and liabilities10/49€177k€269k▲
Equity10/15€83k€85k▲
Contributions10/11€8k€8k=
Profit (loss) carried forward14€75k€77k▲
Amounts payable17/49€93k€183k▲
Amounts payable within one year42/48€92k€183k▲
Trade debts44€21k€37k▲
Suppliers440/4€21k€37k▲
Advances received on contracts in progress46€2k€5k▲
Taxes, remuneration and social security45€69k€126k▲
Taxes450/3€51k€71k▲
Remuneration and social security454/9€19k€55k▲
Other amounts payable47/48-€15k
Accrued charges and deferred income492/3€1k€455▼
Income statement
Code20242025
Remuneration, social security and pensions62€93k€291k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€5k€8k▲
Gross operating margin9900€198k€314k▲
Operating profit (loss)9901€95k€11k▼
Financial income75/76B€317€1k▲
Recurring financial income75€317€1k▲
Financial charges65/66B€4k€8k▲
Recurring financial charges65€4k€8k▲
Profit (loss) for the period before taxes9903€91k€4k▼
Income taxes67/77€23k€2k▼
Profit (loss) for the period9904€68k€2k▼
Profit (loss) for the period to be appropriated9905€68k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€75k€77k▲
Profit (loss) brought forward from the previous period14P€7k€75k▲
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
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €2k ▼97.5%
Net result drops to €2k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €68k ▲845%
Operating result €95k, net result €68k, both a record.
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Charleroi · 1 establishment unit since 2023
Ground area
8,647 m²
Building footprint
1,376 m²
Volume, LiDAR
6,552 m³
2 parcels, Wallonia · tallest building 5.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NECODEM
since 20232.341.567.330
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52065B0330/00Y000indicative | Wallonia | 5,377 m² | - | - |
| 52028C0045/00R003 | Wallonia | 3,270 m² | 1 · 1,376 m² | 5.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
WINDMILL FORWARDING
BE 0801.755.478
Zemst · Eq €85k
RVF Movers
BE 1002.212.710
Vilvoorde · Eq €85k
AR CONCEPT
BE 0896.266.241
Anderlecht · Eq €85k
LUXE TENT
BE 0797.627.832
Antwerpen · Eq €86k
IDEAL DEMENAGEMENTS - TRANSPORTS
BE 0441.114.428
Charleroi · Eq €87k
Of 986 companies in sector 49420 we hold annual accounts for 446. 346 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-02-2023
Fiscal year end31-12
Trade name FR
"NEW CONFORT DEMENAGEMENT" ou "R.U.I" ou "MARINE ESTHETIQUE"
Activities, NACEBEL
49420Removal services
82990Other business support services
85510Sports and recreation education
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.