NISSA HB
ActiveThe computed 12-month bankruptcy probability of NISSA HB is 3.1% (moderate). The 2025 annual accounts show equity of €136k and a net result of €14k. Equity is growing by ~91.2% per year across the filed fiscal years. Its solvency ranks better than 66% of 11297 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-14
Solvency87▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.61 against 2.29 in 2024; short-term debt: 38.3% and cash: 62.4% of total assets), and 38.3% 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
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
61.7%
Return on assets
6.5%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
2 d early
2024
61 d late
2023
69 d late
2022
43 d late
2021
30 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, micro schema
Equity
€136k▼ 4.1%
2024 · €141k
2021: €8k
2022: €43k
2023: €106k
2024: €141k
2021 → 2025
Total assets
€220k▼ 22.3%
2024 · €283k
2021: €135k
2022: €232k
2023: €297k
2024: €283k
2021 → 2025
Net result
€14k▼ 71.4%
2024 · €50k
2021: €7k
2022: €35k
2023: €78k
2024: €50k
2021 → 2025
Working capital
€135k▼ 13.9%
2024 · €157k
2021: €6k
2022: €32k
2023: €100k
2024: €157k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€43k▲ 437%€106k▲ 146%€141k▲ 32.7%€136k▼ 4.1%
Operating result€10k-€47k▲ 392%€93k▲ 98.0%€57k▼ 38.7%€24k▼ 57.7%
Net result€7k-€35k▲ 399%€78k▲ 122%€50k▼ 36.3%€14k▼ 71.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 58% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €220k
Fixed assets
€99▼ 96.8%
Current assets
€219k▼ 21.5%
Equity and liabilities €220k
Equity
€136k▼ 4.1%
Debt
€84k▼ 40.6%
The debt ratio falls from 50.0% to 38.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€27k▼
2024 · €61k
Cash flow
€17k▼
2024 · €54k
Solvency
61.7%▲
2024 · 50.0%
Current ratio
2.61▲
2024 · 2.29
Quick ratio
2.61▲
2024 · 2.29
Debt / equity
0.62▼
2024 · 1.00
ROE
10.5%▼
2024 · 35.3%
ROA
6.5%▼
2024 · 17.6%
Interest coverage
6.29▼
2024 · 20.29
Debt
€84k▼
2024 · €141k
Debt ≤ 1 year
€84k▼
2024 · €122k
Income taxes
€6k▼
2024 · €10k
Staff costs
€2k
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€283k€220k▼
Fixed assets21/28€3k€99▼
Intangible fixed assets21€299€99▼
Tangible fixed assets22/27€3k-
Furniture and vehicles24€3k-
Current assets29/58€279k€219k▼
Amounts receivable within one year40/41€96k€83k▼
Other amounts receivable41€96k€83k▼
Cash at bank and in hand54/58€183k€137k▼
Deferred charges and accrued income490/1€195-
Equity and liabilities
Total equity and liabilities10/49€283k€220k▼
Equity10/15€141k€136k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€140k€135k▼
Amounts payable17/49€141k€84k▼
Amounts payable within one year42/48€122k€84k▼
Trade debts44€52k€24k▼
Suppliers440/4€52k€24k▼
Taxes, remuneration and social security45€55k€40k▼
Taxes450/3€40k€23k▼
Remuneration and social security454/9€15k€17k▲
Other amounts payable47/48€15k€20k▲
Accrued charges and deferred income492/3€19k-
Income statement
Code20242025
Remuneration, social security and pensions62-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€20k-
Non-recurring operating charges66A€0-
Gross operating margin9900€81k€29k▼
Operating profit (loss)9901€57k€24k▼
Financial income75/76B€6k€449▼
Recurring financial income75€6k€449▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€60k€20k▼
Transfer to deferred taxes680-€0
Income taxes67/77€10k€6k▼
Profit (loss) for the period9904€50k€14k▼
Profit (loss) for the period to be appropriated9905€50k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€155k€155k▼
Profit (loss) brought forward from the previous period14P€105k€140k▲
Profit to be distributed694/7€15k€20k▲
Return on contributions (dividend)694-€20k
Directors or managers695€15k-
The notes to these accounts (7 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
31-12
Financial
Highest result since 2021net €78k ▲122%
Operating result €93k, net result €78k, both a record.
31-12
Financial
Equity above €100kEq €106k ▲146%
3 profitable years in a row build equity to €106k.
12-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 43 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
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, Sint-Jans-Molenbeek · 2 establishment units since 2020
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.
Gentsesteenweg 551080 Sint-Jans-MolenbeekGround area
300 m²
Building footprint
226 m²
Volume, LiDAR
2,200 m³
2 parcels, Brussels · tallest building 18.5 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Gentsesteenweg 55, 1080 Sint-Jans-Molenbeek
since 20202.308.372.544
Gemeenteplaats 2, 1080 Sint-Jans-Molenbeek
since 20212.319.147.759
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21522B0336/00X005 | Brussels | 205 m² | 1 · 128 m² | 18.5 m · 4 fl. |
| 21522B0157/00S002 | Brussels | 95 m² | 1 · 98 m² | 16.4 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.
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NEW PRODUCT-PACKLAB
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Of 432 companies in sector 46869 we hold annual accounts for 244. 145 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-09-2020
Fiscal year end31-12
Activities, NACEBEL
46869Wholesale trade
47711Retail sale of women's outerwear
47712Retail trade
47714Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:sou007@outloo.com