NITZ
ActiveNITZ has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €127k and a net result of €205. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 47% of 26052 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
43
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability31▼-3
Solvency54▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.37 against 1.32 in 2023; short-term debt: 70% and cash: 0.7% of total assets), and 71% 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 · 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
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 →
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 2024Solvency, return and age of the figures
Solvency
29%
Return on assets
0%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-10-2025, 71 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
71 d late
2023
68 d late
2022
31 d late
2021
60 d late
2020
108 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€127k▲ 0.2%
2023 · €127k
2018: €38k
2019: €31k
2020: €64k
2021: €125k
2022: €125k
2023: €127k
2018 → 2024
Total assets
€437k▼ 6.3%
2023 · €467k
2018: €566k
2019: €455k
2020: €498k
2021: €502k
2022: €464k
2023: €467k
2018 → 2024
Net result
€205▼ 83.7%
2023 · €1k
2018: €-23k
2019: €-7k
2020: €33k
2021: €60k
2022: €647
2023: €1k
2018 → 2024
Working capital
€115k▲ 6.1%
2023 · €108k
2018: €46k
2019: €23k
2020: €41k
2021: €103k
2022: €106k
2023: €108k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€64k-€125k▲ 93.6%€125k▲ 0.5%€127k▲ 1.0%€127k▲ 0.2%
Operating result€54k-€92k▲ 69.3%€10k▼ 88.9%€13k▲ 28.7%€8k▼ 39.7%
Net result€33k-€60k▲ 81.1%€647▼ 98.9%€1k▲ 94.0%€205▼ 83.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 40% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €437k
Fixed assets
€16k▼ 11.3%
Current assets
€421k▼ 6.1%
Equity and liabilities €437k
Equity
€127k▲ 0.2%
Debt
€311k▼ 8.7%
The debt ratio falls from 72.9% to 71.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12k▼
2023 · €17k
Cash flow
€4k▼
2023 · €5k
Solvency
29.0%▲
2023 · 27.1%
Current ratio
1.37▲
2023 · 1.32
Quick ratio
0.69▲
2023 · 0.52
Debt / equity
2.45▼
2023 · 2.69
ROE
0.2%▼
2023 · 1.0%
ROA
0.0%▼
2023 · 0.3%
Interest coverage
1.49▼
2023 · 1.77
Debt
€311k▼
2023 · €340k
Debt ≤ 1 year
€306k▼
2023 · €340k
Income taxes
€4k▼
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€467k€437k▼
Fixed assets21/28€18k€16k▼
Tangible fixed assets22/27€18k€16k▼
Furniture and vehicles24€7k€7k▲
Other tangible fixed assets26€11k€8k▼
Financial fixed assets28€548€548=
Current assets29/58€448k€421k▼
Stocks and contracts in progress3€273k€209k▼
Stocks30/36€273k€209k▼
Amounts receivable within one year40/41€158k€207k▲
Trade receivables40€103k€105k▲
Other amounts receivable41€55k€102k▲
Cash at bank and in hand54/58€16k€3k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€467k€437k▼
Equity10/15€127k€127k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€106k€106k▲
Amounts payable17/49€340k€311k▼
Amounts payable within one year42/48€340k€306k▼
Financial debts43€20k€21k▲
Credit institutions430/8€20k€21k▲
Trade debts44€134k€85k▼
Suppliers440/4€134k€85k▼
Advances received on contracts in progress46€116k€116k=
Taxes, remuneration and social security45€70k€84k▲
Taxes450/3€70k€84k▲
Accrued charges and deferred income492/3-€4k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€32k€30k▼
Other operating charges640/8€5k€4k▼
Gross operating margin9900€54k€46k▼
Operating profit (loss)9901€13k€8k▼
Financial income75/76B€2k€5k▲
Recurring financial income75€2k€5k▲
Financial charges65/66B€10k€8k▼
Recurring financial charges65€10k€8k▼
Profit (loss) for the period before taxes9903€6k€5k▼
Income taxes67/77€4k€4k▼
Profit (loss) for the period9904€1k€205▼
Profit (loss) for the period to be appropriated9905€1k€205▼
Appropriation of the result
Profit (loss) to be appropriated9906€106k€106k▲
Profit (loss) brought forward from the previous period14P€105k€106k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
31-12
Financial
Highest result since 2018net €60k ▲81.1%
Operating result €92k, net result €60k, both a record.
31-12
Financial
Equity above €100kEq €125k ▲93.6%
2 profitable years in a row build equity to €125k.
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 108 days late
2020
31-12
Financial
Back to profitnet €33k
Net result €33k after 2 loss-making years.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
26-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 118 days late
26-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 483 days late
2017
23-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 84 days late
2016
05-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 66 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Brussel · 2 establishment units since 1996
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.
Kleine Zavel 21000 BrusselGround area
129 m²
Building footprint
137 m²
Volume, LiDAR
2,046 m³
2 parcels, Brussels, Wallonia · tallest building 19.0 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
NITZ
since 19962.074.781.104
NITZ SPRL
since 20032.146.421.839
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21808H1589/00F000 | Brussels | 67 m² | 1 · 67 m² | 19.0 m · 6 fl. |
| 25112M0742/00D000 | Wallonia | 62 m² | 1 · 70 m² | 15.8 m · 4 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
MATHEX
BE 0655.997.538
Estaimpuis · Eq €127k
ADONIS
BE 0423.230.596
Roeselare · Eq €126k
CUCARACHA
BE 0466.396.784
Watermaal-Bosvoorde · Eq €125k
EFFE ANDERS
BE 0542.380.151
Bree · Eq €125k
CHIARA
BE 0469.809.897
Ath · Eq €131k
Of 459 companies in sector 47712 we hold annual accounts for 269. 206 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-10-1995
Fiscal year end31-12
Activities, NACEBEL
47712Retail trade
52422
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.