NIEWIADOMSKI
ActiveSummary
The computed 12-month bankruptcy probability of NIEWIADOMSKI is 4.0% (moderate). The 2026 annual accounts show equity of €88k and a net result of €20k. Equity is growing by ~32.8% per year across the filed fiscal years. Its solvency ranks better than 92% of 2045 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2026
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability93▲+14
Solvency100=
Growth35=
Track record94
Bankruptcy probability, 12 months
4.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 6.45 against 5.73 in 2025; short-term debt: 14.7% and cash: 74.2% of total assets), and 14.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 21-09-2026, 40 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2026
40 d early
2025
39 d early
2024
36 d early
2023
36 d early
2022
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 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Turnover
€250k▼ 12.9%
2024 · €286k
2024: €286k
2024 → 2025
EBIT margin
7.4%▼ 5.1pp
2024 · 12.4%
2024: 12.4%
2024 → 2025
Net result
€20k▲ 59.2%
2025 · €13k
2022: €23k
2023: €39k
2024: €28k
2025: €13k
2022 → 2026
Working capital
€83k▲ 44.5%
2025 · €57k
2022: €11k
2023: €29k
2024: €40k
2025: €57k
2022 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Turnover€286k€250k▼ 12.9%
Equity€16k-€34k▲ 117%€55k▲ 63.5%€68k▲ 23.0%€88k▲ 29.8%
Operating result€26k-€47k▲ 83.0%€36k▼ 24.7%€18k▼ 48.3%€32k▲ 72.6%
Net result€23k-€39k▲ 73.9%€28k▼ 27.9%€13k▼ 55.0%€20k▲ 59.2%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2026; 2026 is 73% above 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €104k
Fixed assets
€5k ▼ 49.7%
Current assets
€98k ▲ 41.2%
Equity and liabilities €104k
Equity
€88k ▲ 29.8%
Debt
€15k ▲ 25.4%
Debt's share of the balance-sheet total falls from 15.1% to 14.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37k▲
2025 · €24k
Cash flow
€26k▲
2025 · €18k
Current ratio
6.45▲
2025 · 5.73
Debt to equity
0.17▼
2025 · 0.18
ROE
22.9%▲
2025 · 18.7%
ROA
19.6%▲
2025 · 15.9%
Interest coverage
10.33▼
2025 · 17.20
Debt ≤ 1 year
€15k▲
2025 · €12k
Income taxes
€8k▲
2025 · €5k
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 · 2026 against 2025 · 42 lines
Balance sheet
Code20252026
Assets
Total assets20/58€80k€104k▲
Fixed assets21/28€11k€5k▼
Tangible fixed assets22/27€11k€5k▼
Plant, machinery and equipment23€5k€1k▼
Furniture and vehicles24€6k€4k▼
Current assets29/58€70k€98k▲
Amounts receivable within one year40/41€6k€19k▲
Trade receivables40€5k€16k▲
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€60k€77k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€80k€104k▲
Equity10/15€68k€88k▲
Contributions10/11€3k€3k=
Reserves13€30k€50k▲
Distributable reserves133€30k€50k▲
Profit (loss) carried forward14€35k€35k▲
Amounts payable17/49€12k€15k▲
Amounts payable within one year42/48€12k€15k▲
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Taxes, remuneration and social security45€5k€8k▲
Taxes450/3€5k€8k▲
Other amounts payable47/48€377€2k▲
Income statement
Code20252026
Turnover70€250k-
Goods, raw materials, services and sundry goods60/61€226k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€766€676▼
Gross operating margin9900€25k€38k▲
Operating profit (loss)9901€18k€32k▲
Financial income75/76B€738€468▼
Recurring financial income75€738€468▼
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€18k€29k▲
Income taxes67/77€5k€8k▲
Profit (loss) for the period9904€13k€20k▲
Profit (loss) for the period to be appropriated9905€13k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€55k▲
Profit (loss) brought forward from the previous period14P€32k€35k▲
Transfer to equity691/2€10k€20k▲
To other reserves6921€10k€20k▲
The notes to these accounts (4 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 2027, expected by
2026
21-09
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
2025
22-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
31-03
Financial
Weakest financial yearnet €13k ▼55%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity doublescurrent ratio 5.73
Current ratio from 2.80 to 5.73; short-term debt falls from €22k to €12k.
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
31-03
Financial
Highest result since 2022net €39k ▲73.9%
Operating result €47k, net result €39k, both a record.
2022
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Anderlecht · 1 establishment unit since 2021
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.
Wijngaardstraat 391070 AnderlechtGround area
229 m²
Building footprint
65 m²
Volume, LiDAR
403 m³
Parcel 21308H0321/00G002, Brussels · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NIEWIADOMSKI
since 20212.315.690.797
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21308H0321/00G002 | Brussels | 229 m² | 1 · 65 m² | 10.0 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.
Similar companies · same sector, comparable size
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AS.EL
BE 0880.810.577
Antwerpen · Eq €68,094
LUCUT RealFinish
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Fedea
BE 0731.932.108
Antwerpen · Eq €68,090
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 6,217 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
Founded31-03-2021
Fiscal year end31-03
Activities, NACEBEL 2025
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.