Nestor
ActiveSummary
Nestor has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €-4k. Equity is shrinking by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 49% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability6▼-94
Solvency84▼-7
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 3.35 against 2.6 in 2024; short-term debt: 27.5% and cash: 70.9% of total assets), and 40.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
59.3%
Return on assets
-10.1%
Age of the figures
9 mo
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
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
15 d early
2023
24 d early
2022
7 d early
2021
31 d early
2020
16 d early
2019
35 d early
← 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, micro schema
Equity
€22k▼ 14.6%
2024 · €26k
2018: €39k
2019: €39k
2020: €38k
2021: €38k
2022: €19k
2023: €5k
2024: €26k
2018 → 2025
Total assets
€38k▼ 5.0%
2024 · €40k
2018: €55k
2019: €55k
2020: €54k
2021: €48k
2022: €45k
2023: €24k
2024: €40k
2018 → 2025
Net result
€-4k
2024 · €22k
2018: €-6k
2019: €376
2020: €-1k
2021: €-571
2022: €-19k
2023: €-18k
2024: €22k
2018 → 2025
Working capital
€24k▲ 12.0%
2024 · €22k
2018: €21k
2019: €23k
2020: €24k
2021: €21k
2022: €7k
2023: €-1k
2024: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€19k▼ 49.1%€5k▼ 71.4%€26k▲ 377%€22k▼ 14.6%
Operating result€10-€-19k€-18k▲ 1.1%€23k€-4k
Net result€-571-€-19k▼ 3,158%€-18k▲ 0.6%€22k€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €23k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€3k ▼ 31.9%
Current assets
€35k ▼ 1.6%
Equity and liabilities €38k
Equity
€22k ▼ 14.6%
Provisions
€5k
Debt
€10k ▼ 23.5%
Debt's share of the balance-sheet total falls from 34.1% to 27.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-2k▼
2024 · €27k
Cash flow
€-2k▼
2024 · €27k
Current ratio
3.35▲
2024 · 2.60
Debt to equity
0.46▼
2024 · 0.52
ROE
-17.0%▼
2024 · 85.7%
ROA
-10.1%▼
2024 · 56.5%
Interest coverage
-16.70▼
2024 · 136.45
Debt ≤ 1 year
€10k▼
2024 · €14k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€40k€38k▼
Fixed assets21/28€4k€3k▼
Intangible fixed assets21€268€0▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€1k€669▼
Furniture and vehicles24€1k€872▼
Financial fixed assets28€2k€2k=
Current assets29/58€35k€35k▼
Amounts receivable within one year40/41€9k€8k▼
Trade receivables40€9k€8k▼
Other amounts receivable41€3€3=
Cash at bank and in hand54/58€25k€27k▲
Deferred charges and accrued income490/1€609€0▼
Equity and liabilities
Total equity and liabilities10/49€40k€38k▼
Equity10/15€26k€22k▼
Contributions10/11€45k€45k=
Reserves13€6k€6k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Tax-exempt reserves132€236€236=
Distributable reserves133€1k€1k=
Profit (loss) carried forward14€-24k€-28k▼
Provisions and deferred taxes16-€5k
Provisions for liabilities and charges160/5-€5k
Other liabilities and charges164/5-€5k
Amounts payable17/49€14k€10k▼
Amounts payable within one year42/48€14k€10k▼
Financial debts43€0-
Other loans439€0-
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€7k€8k▲
Taxes450/3€4k€4k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€4k€733▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€1k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€2k
Provisions for liabilities and charges: additions (uses and reversals)635/8-€5k
Other operating charges640/8€451€1k▲
Gross operating margin9900€27k€6k▼
Operating profit (loss)9901€23k€-4k▼
Financial income75/76B€22€0▼
Recurring financial income75€22€0▼
Financial charges65/66B€196€135▼
Recurring financial charges65€196€135▼
Profit (loss) for the period before taxes9903€22k€-4k▼
Profit (loss) for the period9904€22k€-4k▼
Profit (loss) for the period to be appropriated9905€22k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-22k€-28k▼
Profit (loss) brought forward from the previous period14P€-45k€-24k▲
Profit to be distributed694/7€2k€0▼
Return on contributions (dividend)694€2k€0▼
The notes to these accounts (10 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €22k
Net result €22k after 4 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 2.60
Current ratio from 0.93 to 2.60; short-term debt falls from €18k to €14k.
07-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €376
Net result €376 after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Leuven · 1 establishment unit since 2015
Ground area
109 m²
Building footprint
84 m²
Volume, LiDAR
542 m³
Parcel 24051C0110/00T008, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Diestsesteenweg 629, 3010 Leuven
since 20152.239.592.022
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24051C0110/00T008 | Flanders | 109 m² | 1 · 84 m² | 10.9 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.
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 13,443 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 formCooperative company
Founded20-02-2015
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
18130Pre-press and pre-media services
62900Other information technology and computer services
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.