NEUBAT
ActiveNEUBAT has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.68M and a net result of €20k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 72% of 7924 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
89
/ 100
Excellent▲ +13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability6▲+5
Solvency100=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
Liquidity ample (current ratio 2.22 against 2.13 in 2024), and 33% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
67%
Return on assets
0.8%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
22 d early
2023
7 d late
2022
11 d late
2021
19 d late
2020
9 d late
2019
3 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€20k▲ 1,002%
2024 · €2k
2018: €8k
2019: €20k
2020: €166k
2021: €136k
2022: €176k
2023: €102k
2024: €2k
2018 → 2025
Working capital
€731k▲ 5.6%
2024 · €692k
2018: €402k
2019: €426k
2020: €479k
2021: €491k
2022: €641k
2023: €688k
2024: €692k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€967k-€1.62M▲ 67.6%€1.65M▲ 2.1%€1.66M▲ 0.1%€1.68M▲ 1.2%
Operating result€142k-€206k▲ 45.1%€135k▼ 34.6%€17k▼ 87.2%€37k▲ 114%
Net result€136k-€176k▲ 29.3%€102k▼ 42.2%€2k▼ 98.3%€20k▲ 1,002%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 114% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.50M
Fixed assets
€1.17M▼ 5.8%
Current assets
€1.33M▲ 2.1%
Equity and liabilities €2.50M
Equity
€1.68M▲ 1.2%
Provisions
€68k=
Debt
€756k▼ 7.9%
The debt ratio falls from 32.3% to 30.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€109k▲
2024 · €104k
Cash flow
€92k▲
2024 · €89k
Solvency
67.0%▲
2024 · 65.1%
Current ratio
2.22▲
2024 · 2.13
Quick ratio
0.92▲
2024 · 0.90
Debt / equity
0.45▼
2024 · 0.50
ROE
1.2%▲
2024 · 0.1%
ROA
0.8%▲
2024 · 0.1%
Interest coverage
3.63▲
2024 · 2.88
Debt
€756k▼
2024 · €821k
Debt ≤ 1 year
€598k▼
2024 · €610k
Debt > 1 year
€154k▼
2024 · €207k
Income taxes
€10k▲
2024 · €3k
Staff costs
€360k▼
2024 · €371k
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€2.54M€2.50M▼
Fixed assets21/28€1.24M€1.17M▼
Intangible fixed assets21€16k€8k▼
Tangible fixed assets22/27€363k€299k▼
Land and buildings22€243k€239k▼
Plant, machinery and equipment23€47k€15k▼
Furniture and vehicles24€73k€45k▼
Financial fixed assets28€863k€863k=
Current assets29/58€1.30M€1.33M▲
Amounts receivable after more than one year29€88k€88k=
Other amounts receivable291€88k€88k=
Stocks and contracts in progress3€752k€781k▲
Stocks30/36€752k€781k▲
Amounts receivable within one year40/41€262k€244k▼
Trade receivables40€219k€218k▼
Other amounts receivable41€43k€25k▼
Cash at bank and in hand54/58€170k€183k▲
Deferred charges and accrued income490/1€30k€34k▲
Equity and liabilities
Total equity and liabilities10/49€2.54M€2.50M▼
Equity10/15€1.66M€1.68M▲
Contributions10/11€546k€546k=
Revaluation surpluses12€74k€74k=
Reserves13€125k€125k=
Non-distributable reserves130/1€82k€82k=
Reserves not available under the articles1311€82k€82k=
Tax-exempt reserves132€39k€39k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€911k€931k▲
Investment grants15€565€212▼
Provisions and deferred taxes16€68k€68k=
Provisions for liabilities and charges160/5€68k€68k=
Pensions and similar obligations160€68k€68k=
Amounts payable17/49€821k€756k▼
Amounts payable after more than one year17€207k€154k▼
Financial debts170/4€95k€43k▼
Other amounts payable178/9€112k€111k=
Amounts payable within one year42/48€610k€598k▼
Current portion of amounts payable after more than one year42€86k€53k▼
Financial debts43€341k€316k▼
Credit institutions430/8€341k€316k▼
Trade debts44€109k€144k▲
Suppliers440/4€109k€144k▲
Taxes, remuneration and social security45€42k€53k▲
Taxes450/3€5k€21k▲
Remuneration and social security454/9€37k€32k▼
Other amounts payable47/48€32k€32k=
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Non-recurring operating income76A€2k€0▼
Remuneration, social security and pensions62€371k€360k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€87k€72k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-3k€-7k▼
Other operating charges640/8€21k€22k▲
Gross operating margin9900€493k€484k▼
Operating profit (loss)9901€17k€37k▲
Financial income75/76B€24k€22k▼
Recurring financial income75€24k€22k▼
Financial charges65/66B€36k€30k▼
Recurring financial charges65€36k€30k▼
Profit (loss) for the period before taxes9903€5k€29k▲
Income taxes67/77€3k€10k▲
Profit (loss) for the period9904€2k€20k▲
Profit (loss) for the period to be appropriated9905€2k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€911k€931k▲
Profit (loss) brought forward from the previous period14P€909k€911k▲
Transfer from equity791/2€0-
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Directors or managers695€0-
Social balance
Average headcount (FTE)90878.07.4▼
The notes to these accounts (25 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €2k ▼98.3%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 7 days late
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 11 days late
2022
31-12
Financial
Highest result since 2018net €176k ▲29.3%
Operating result €206k, net result €176k, both a record.
31-12
Financial
Equity above €1MEq €1.62M ▲67.6%
5 profitable years in a row build equity to €1.62M.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 19 days late
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 9 days late
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Esneux · 2 establishment units since 1982
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Avenue de la Station 664130 EsneuxGround area
8,927 m²
Building footprint
3,041 m²
Volume, LiDAR
22,365 m³
2 parcels, Wallonia · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Avenue de la Station 66, 4130 Esneux
since 19822.020.609.473
Avenue de la Station 86, 4130 Esneux
since 20052.346.667.946
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62032C0685/02C000 | Wallonia | 5,841 m² | 1 · 1,526 m² | 8.2 m · 2 fl. |
| 62032C0685/00T002 | Wallonia | 3,086 m² | 1 · 1,515 m² | 12.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 siteEsneux2.020.609.473
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LA MAISON ECOLOGIQUE
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BOURGONDISCH KRUIS
BE 0416.194.930
Harelbeke · Eq €1.67M
ETABLISSEMENTS PHILIPPE FAELES
BE 0424.965.512
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BOVEND'AERDE
BE 0436.244.038
As · Eq €1.69M
Of 1,794 companies in sector 46831 we hold annual accounts for 1,390. 944 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1982
Fiscal year end31-12
Activities, NACEBEL
46831Wholesale of construction materials, general range
51532
Sources
Crossroads Bank for EnterprisesNational Bank · 44 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.