NEPTUNO

Active

Public limited companyfounded 1989active for 37 yearsRue de la Croix du Maïeur(S-B) 4, 7110 La Louvière, BelgiumKBO/BCE: BE 0437.420.213

Summary

NEPTUNO has been active since 1989 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.6m and a net result of -€30,112. Equity remains stable across the filed financial years (±0.3% per year). Its solvency ranks better than 33% of 5,014 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Risk analysisFollow Report Compare

NEPTUNOActiveChecked score 66/100

Risk analysis Report Compare

Activity

Retail trade

NACE 47523Wholesale of construction materials, general range NACE 46831

9th largest company by total assets in La Louvière, Wholesale and retail trade sector1 site

Size

€7.2mtotal assets 2025

Staff: 10.2 FTE
Equity: €1.6m
Loss: -€30,112

Financial health

66 Healthy Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.9%

Structure

Parent: TILES CONSULTING · 100%

PALMUCCI IsabelleDirector
SCALETTA Calogero AntonioDirector
TILES CONSULTINGDirector

2025 accounts on time1 of 4 deeds summarised

Why 66raises riskLiquidity: current ratio 1.20, cash €43,554Equity €1.6m (22.0% of total assets)Size: 10.2 FTE, total assets €7.2mSector: Retail trade (NACE 47)Show the evidence

Checked score

Score 2025

66 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Financially better than 25% of its sector peers (NACE 47, small)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 47=

equity 22.0% of total assets

Liquidity 11=

short-term debt 73.0% · cash 0.6%

Profitability 40-5

return on assets -0.4%

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,693 companies, NACE 47, small)

Last 24 months 11-2024: 1.0% 12-2024: 1.0%● unchanged vs 11-2024 01-2025: 1.0%● unchanged vs 12-2024 02-2025: 1.0%● unchanged vs 01-2025 03-2025: 1.0%● unchanged vs 02-2025 04-2025: 1.0%● unchanged vs 03-2025 05-2025: 1.0%● unchanged vs 04-2025 06-2025: 1.1%▲ +0.1 percentage points vs 05-2025 07-2025: 1.4%▲ +0.3 percentage points vs 06-2025highest value 08-2025: 1.0%▼ -0.4 percentage points vs 07-2025 09-2025: 1.0%● unchanged vs 08-2025 10-2025: 1.0%● unchanged vs 09-2025 11-2025: 1.0%● unchanged vs 10-2025 12-2025: 1.0%● unchanged vs 11-2025 01-2026: 1.0%● unchanged vs 12-2025 02-2026: 1.0%● unchanged vs 01-2026 03-2026: 1.0%● unchanged vs 02-2026 04-2026: 1.0%● unchanged vs 03-2026 05-2026: 1.0%● unchanged vs 04-2026 06-2026: 1.1%▲ +0.1 percentage points vs 05-2026 07-2026: 1.1%● unchanged vs 06-2026 08-2026: 0.9%▼ -0.2 percentage points vs 07-2026lowest value 09-2026: 0.9%● unchanged vs 08-2026lowest value 10-2026: 0.9%● unchanged vs 09-2026lowest value

Credit of up to €100,000 on 30-day terms is acceptable

Liquidity tight (current ratio 1.2, compared with 1.19 in 2024, below the usual 1.5; short-term debt: 73% and cash: 0.6% of total assets), and 78% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, small): better than 38% on solvency, 9% on liquidity, 24% on profitability and 30% on growth.

The bankruptcy probability was computed on 24-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.

raises riskneutral

Liquidity: current ratio 1.20, cash €43,554

NBB · annual accounts

Equity €1.6m (22.0% of total assets)

NBB · annual accounts

Size: 10.2 FTE, total assets €7.2m

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Sector: Retail trade (NACE 47)

KBO

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 · 10 filings

Deviation from the deadline

2025

on the day

2024

6 days early

2023

20 days early

2022

3 days early

2021

2 days early

2020

3 days early

2019

19 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 2 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 July (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

25-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

31-07-2026 Annual accounts filedfinancial year 2025 · full…
31-12-2025 Weakest financial yearnet -€30,112
25-07-2025 Annual accounts filedfinancial year 2024 · full…

Key points

Caution: From profit to loss in 2025after €23,509 in 2024 -€30,112 View
Caution: Among the weakest 19% on net resultsector median €40,191 · 5,013 companies -€30,112 View
Controlled by TILES CONSULTING 100% View
Positive: Filed on time since financial year 2020accounts within the deadline every year 6 years View

By topic

Financials

Financial year: 2025
Total assets: €7.2m
Loss: -€30,112
Solvency: 22.0%

Total assets▼ 0.1%

Net result

20182025

Go to Financials

Board & ownership

Board: 3 members
Parent: TILES CONSULTING · 100%

PALMUCCI IsabelleDirector
SCALETTA Calogero AntonioDirector
TILES CONSULTINGDirector

Go to Board & ownership

Timeline

Events: 40
Since: 1990
Next accounts: by 31-07-2027

11-07-2024Annual accounts filed
28-12-2023Appointments: TILES CONSULTING, PALMUCCI Isabelle and SCALETTA…
28-07-2023Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Public limited company
Activity: Retail tradeNACE 47523
Founded: 03-05-1989
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 41

Who signs: Two directors jointly, or a managing director alone

Go to Articles of association

Key facts about NEPTUNO

What is the company number of NEPTUNO?: 0437.420.213. In Belgium the VAT number is the company number with BE in front: BE 0437.420.213.
Where is NEPTUNO based?: The registered office is at Rue de la Croix du Maïeur(S-B) 4, 7110 La Louvière.Company details
What does NEPTUNO do?: According to the KBO register, the main activity is retail trade (NACE 47523).
What is the legal form of NEPTUNO?: Public limited company (NV).
When was NEPTUNO founded?: On 03-05-1989.
Is NEPTUNO still active?: Yes, NEPTUNO is an active enterprise in the KBO register.
How many employees does NEPTUNO have?: On average 10.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of NEPTUNO?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is NEPTUNO profitable?: In financial year 2025, NEPTUNO made a loss of €30,112.
Where can I find the annual accounts of NEPTUNO?: NEPTUNO filed 37 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of NEPTUNO due?: By 31-07-2027, for financial year 2026.Timeline