NINA
ActiveNINA has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.74M and a net result of €445k. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 93% of 10331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €230k at 30 days acceptable
Liquidity ample (current ratio 4.45 against 8.2 in 2024; short-term debt: 13.6% and cash: 26.4% of total assets), and 13.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
86.3%
Return on assets
14%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
9 d early
2023
6 d early
2022
18 d early
2021
54 d late
2020
61 d late
2019
61 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.74M▼ 11.8%
2024 · €3.10M
2018: €1.93M
2019: €2.09M
2020: €2.33M
2021: €2.70M
2022: €2.72M
2023: €2.76M
2024: €3.10M
2018 → 2025
Total assets
€3.17M▼ 5.0%
2024 · €3.34M
2018: €2.39M
2019: €2.43M
2020: €2.78M
2021: €3.23M
2022: €3.15M
2023: €3.23M
2024: €3.34M
2018 → 2025
Net result
€445k▲ 31.4%
2024 · €338k
2018: €165k
2019: €157k
2020: €239k
2021: €364k
2022: €241k
2023: €270k
2024: €338k
2018 → 2025
Working capital
€1.48M▼ 12.4%
2024 · €1.69M
2018: €1.25M
2019: €1.05M
2020: €1.05M
2021: €1.41M
2022: €1.31M
2023: €1.37M
2024: €1.69M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.70M-€2.72M▲ 0.8%€2.76M▲ 1.7%€3.10M▲ 12.3%€2.74M▼ 11.8%
Operating result€543k-€353k▼ 35.0%€385k▲ 8.9%€491k▲ 27.6%€647k▲ 31.8%
Net result€364k-€241k▼ 33.7%€270k▲ 11.8%€338k▲ 25.4%€445k▲ 31.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 32% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.17M
Fixed assets
€1.26M▼ 10.8%
Current assets
€1.91M▼ 0.8%
Equity and liabilities €3.17M
Equity
€2.74M▼ 11.8%
Debt
€434k▲ 83.7%
The debt ratio rises from 7.1% to 13.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€731k▲
2024 · €583k
Cash flow
€529k▲
2024 · €430k
Solvency
86.3%▼
2024 · 92.9%
Current ratio
4.45▼
2024 · 8.20
Quick ratio
3.58▼
2024 · 7.05
Debt / equity
0.16▲
2024 · 0.08
ROE
16.3%▲
2024 · 10.9%
ROA
14.0%▲
2024 · 10.1%
Interest coverage
205.97▲
2024 · 142.10
Debt
€434k▲
2024 · €236k
Debt ≤ 1 year
€430k▲
2024 · €235k
Income taxes
€205k▲
2024 · €155k
Staff costs
€408k▲
2024 · €339k
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€3.34M€3.17M▼
Fixed assets21/28€1.41M€1.26M▼
Tangible fixed assets22/27€899k€887k▼
Land and buildings22€7k€7k▼
Plant, machinery and equipment23€17k€6k▼
Furniture and vehicles24€82k€34k▼
Other tangible fixed assets26€793k€840k▲
Financial fixed assets28€508k€368k▼
Current assets29/58€1.93M€1.91M▼
Stocks and contracts in progress3€270k€375k▲
Stocks30/36€270k€375k▲
Amounts receivable within one year40/41€554k€677k▲
Trade receivables40€520k€663k▲
Other amounts receivable41€33k€15k▼
Cash at bank and in hand54/58€1.08M€836k▼
Deferred charges and accrued income490/1€24k€26k▲
Equity and liabilities
Total equity and liabilities10/49€3.34M€3.17M▼
Equity10/15€3.10M€2.74M▼
Contributions10/11€19k€19k=
Reserves13€2.15M€1.79M▼
Distributable reserves133€2.15M€1.79M▼
Profit (loss) carried forward14€931k€931k=
Amounts payable17/49€236k€434k▲
Amounts payable within one year42/48€235k€430k▲
Current portion of amounts payable after more than one year42€42k€42k▼
Trade debts44€117k€77k▼
Suppliers440/4€117k€77k▼
Taxes, remuneration and social security45€76k€194k▲
Taxes450/3€49k€149k▲
Remuneration and social security454/9€27k€46k▲
Other amounts payable47/48€112€117k▲
Accrued charges and deferred income492/3€877€3k▲
Income statement
Code20242025
Non-recurring operating income76A€70k€71k▲
Remuneration, social security and pensions62€339k€408k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€92k€84k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-31k€-31k▲
Other operating charges640/8€80k€68k▼
Non-recurring operating charges66A€0€50▲
Gross operating margin9900€971k€1.18M▲
Operating profit (loss)9901€491k€647k▲
Financial income75/76B€6k€6k▲
Recurring financial income75€6k€6k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€493k€650k▲
Income taxes67/77€155k€205k▲
Profit (loss) for the period9904€338k€445k▲
Profit (loss) for the period to be appropriated9905€338k€445k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.27M€1.38M▲
Profit (loss) brought forward from the previous period14P€931k€931k=
Transfer from equity791/2€0€811k▲
Transfer to equity691/2€338k€445k▲
To other reserves6921€338k€445k▲
Profit to be distributed694/7€0€811k▲
Return on contributions (dividend)694€0€811k▲
Social balance
Average headcount (FTE)90875.26.1▲
The notes to these accounts (24 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €445k ▲31.4%
Operating result €647k, net result €445k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 8.20
Current ratio from 3.96 to 8.20; short-term debt falls from €462k to €235k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
23-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 54 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 61 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 61 days late
2019
31-12
Financial
Weakest financial yearnet €157k ▼5%
Net result drops to €157k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €2MEq €2.09M ▲8.1%
2 profitable years in a row build equity to €2.09M.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Heist-op-den-Berg · 2 establishment units since 2006
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.
Vogelzangstraat(ITE) 252222 Heist-op-den-BergGround area
6,873 m²
Building footprint
1,810 m²
Volume, LiDAR
14,851 m³
2 parcels, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Nina - Garage Jacob Vets
since 20062.158.534.961
Nina - Garage Jacob Vets
since 20092.179.263.168
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392A0352/00G000 | Flanders | 6,003 m² | 1 · 1,660 m² | 10.2 m · 3 fl. |
| 12017B0506/00M000 | Flanders | 870 m² | 1 · 150 m² | 8.5 m · 2 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.
Similar companies · same sector, comparable size
GARAGE - CARROSSERIE VANDEWOUDE
BE 0474.019.796
Koksijde · Eq €2.74M
GARAGE LUMENS
BE 0428.689.421
Pelt · Eq €2.73M
RENAULT MOTORS NAMUR
BE 0463.720.475
Namur · Eq €2.74M
GARAGE-CARROSSERIE WILLE
BE 0462.179.660
Deinze · Eq €2.73M
A&M Tongeren
BE 0400.979.192
Tongeren-Borgloon · Eq €2.73M
Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 2,064 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-2006
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50103
50200
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.