Financials
- Fiscal year
- 2025
- Total assets
- €842,418
- Profit
- €108,233
- Solvency
- 29.8%
Total assets▲ 17.4%
Net result
20222025
NERF interieur
ActiveSummary
NERF interieur has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €250,864 and a net result of €108,233. Equity is growing by ~38.6% per year across the filed fiscal years. Its solvency ranks better than 32% of 8593 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
What they do
Joinery installation
NACE 43320
1 site
How big
€842,418total assets 2025
- Staff
- 2.5 FTE
- Equity
- €250,864
- Profit
- €108,233
Turnover not published (abridged schema)
Who decides
Accounts filed 7 d late0 of 4 deeds read
Why 92- Sector Specialised construction activities (NACE 43)+ Liquidity: current ratio 2.28, cash €264,998+ Figures for FY 2025 (filed 07-05-2026)+ Size: 2.5 FTE, total assets €842,418Show the evidence
Checked score
Score 2025
92
/ 100
Excellent
Probability in this band: under 0.55%
Better than 64% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
55+3
equity 29.8% of total assets
Liquidity
84+16
short-term debt 18.5% · cash 31.5%
Profitability
85+4
return on assets 12.8%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- Liquidity: current ratio 2.28, cash €264,998 lowers the probability
- Figures for FY 2025 (filed 07-05-2026) lowers the probability
- Size: 2.5 FTE, total assets €842,418 lowers the probability for this profile
- Sector Specialised construction activities (NACE 43) raises the probability
Credit up to €23,000 at 30 days acceptable
Liquidity ample (current ratio 2.28 against 2.45 in 2024; short-term debt: 18.5% and cash: 31.5% of total assets), but 70.2% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 31%, liquidity 82%, profitability 69%, growth against the median 75%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 07-05-2026, 7 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
7 d late
2024
26 d early
2023
35 d early
2022
30 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 21 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 2 April (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close02-10-2026 today30-04-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Highest result since 2022net €108,233 ▲56.4%
- Equity above €200,000Eq €250,864 ▲30.2%
Key points
By topic
Timeline
- Events
- 8
- Since
- 2023
- Next accounts
- by 30-04-2027
- 07-05-2026Annual accounts filed
- 30-09-2025Highest result since 2022
- 30-09-2025Equity above €200,000
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Joinery installationNACE 43320
- Founded
- 04-10-2016
- Year ends
- 30-09
- Peppol
- Reachable for e-invoices
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