NERO
ActiveSummary
The computed 12-month bankruptcy probability of NERO is 1.6% (moderate). The 2025 annual accounts show equity of €14k and a net result of €-2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 38% of 13305 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▼-42
Solvency42▼-5
Growth58=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.97 against 1.39 in 2024; short-term debt: 66.3% and cash: 24.4% of total assets), and 83.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
16.7%
Return on assets
-2.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
23 d late
2023
25 d late
2022
28 d late
2021
30 d late
2020
30 d late
2019
74 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▼ 13.3%
2024 · €16k
2018: €36k
2019: €26k
2020: €13k
2021: €2k
2022: €1k
2023: €8k
2024: €16k
2018 → 2025
Total assets
€83k▲ 16.6%
2024 · €71k
2018: €45k
2019: €32k
2020: €35k
2021: €30k
2022: €19k
2023: €72k
2024: €71k
2018 → 2025
Net result
€-2k
2024 · €8k
2018: €-17k
2019: €-10k
2020: €-13k
2021: €-11k
2022: €-806
2023: €7k
2024: €8k
2018 → 2025
Working capital
€-2k
2024 · €11k
2018: €26k
2019: €23k
2020: €10k
2021: €-266
2022: €52
2023: €7k
2024: €11k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€1k▼ 41.8%€8k▲ 629%€16k▲ 94.0%€14k▼ 13.3%
Operating result€-10k-€761€9k▲ 1,118%€12k▲ 27.5%€1k▼ 91.0%
Net result€-11k-€-806▲ 92.7%€7k€8k▲ 8.9%€-2k
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 91% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€29k ▼ 11.0%
Current assets
€53k ▲ 40.9%
Equity and liabilities €83k
Equity
€14k ▼ 13.3%
Debt
€69k ▲ 25.3%
Debt's share of the balance-sheet total rises from 77.6% to 83.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€8k▼
2024 · €18k
Cash flow
€5k▼
2024 · €14k
Current ratio
0.97▼
2024 · 1.39
Quick ratio
0.70▼
2024 · 1.01
Debt to equity
5.00▲
2024 · 3.46
ROE
-15.3%▼
2024 · 48.4%
ROA
-2.5%▼
2024 · 10.9%
Interest coverage
2.89▼
2024 · 6.38
Debt ≤ 1 year
€55k▲
2024 · €27k
Debt > 1 year
€14k▼
2024 · €28k
Income taxes
€454▼
2024 · €1k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€71k€83k▲
Fixed assets21/28€33k€29k▼
Tangible fixed assets22/27€33k€29k▼
Land and buildings22€15k€14k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€9k€10k▲
Current assets29/58€38k€53k▲
Stocks and contracts in progress3€10k€15k▲
Stocks30/36€10k€15k▲
Amounts receivable within one year40/41€11k€15k▲
Trade receivables40€11k€13k▲
Other amounts receivable41€72€2k▲
Cash at bank and in hand54/58€16k€20k▲
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€71k€83k▲
Equity10/15€16k€14k▼
Contributions10/11€6k€6k=
Reserves13€16k€16k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€14k€14k=
Profit (loss) carried forward14€-7k€-9k▼
Amounts payable17/49€55k€69k▲
Amounts payable after more than one year17€28k€14k▼
Financial debts170/4€28k€14k▼
Amounts payable within one year42/48€27k€55k▲
Current portion of amounts payable after more than one year42-€7k
Trade debts44€10k€16k▲
Suppliers440/4€10k€16k▲
Advances received on contracts in progress46-€940
Taxes, remuneration and social security45€7k€18k▲
Taxes450/3€7k€12k▲
Remuneration and social security454/9-€7k
Other amounts payable47/48€10k€13k▲
Income statement
Code20242025
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€245-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€3k€800▼
Non-recurring operating charges66A€2€199▲
Gross operating margin9900€21k€9k▼
Operating profit (loss)9901€12k€1k▼
Financial income75/76B€2€26▲
Recurring financial income75€2€26▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€9k€-2k▼
Income taxes67/77€1k€454▼
Profit (loss) for the period9904€8k€-2k▼
Profit (loss) for the period to be appropriated9905€8k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-9k▼
Profit (loss) brought forward from the previous period14P€-14k€-7k▲
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
26-08
State Gazette act
Registered officeRegistered-office move1 fact ▸
State Gazette act
Registered office
Registered-office move1 fact ▸
- Registered-office move, Kneuterweg 2 bus A, 3520 Zonhoven
2025
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
31-12
Financial
Highest result since 2018net €8k ▲8.9%
Operating result €12k, net result €8k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 25 days late
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after 5 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
13-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 74 days late
2019
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
06-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 37 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 6 acts read
About the unread acts
Of the 6 Belgian State Gazette acts we know for this company, 1 has been read. The other 5 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Zonhoven · 1 establishment unit since 2006
Ground area
1.8 ha
Building footprint
1,475 m²
Volume, LiDAR
9,064 m³
Parcel 71442D0124/00T030, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Nero
since 20062.152.773.161
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71442D0124/00T030 | Flanders | 1.8 ha | 1 · 1,475 m² | 10.1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteZonhoven2.152.773.161
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Of 14,009 companies in sector 56301 we hold annual accounts for 4,890. 3,793 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded16-03-2006
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
56112Limited-service restaurants, excluding mobile food services
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.