NNORM
ActiveNNORM has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency49▲+49
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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 28-04-2026, 94 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
94 d early
2024
107 d early
2023
28 d early
2022
28 d early
2021
3 d early
2020
38 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k
2024 · €-6k
2020: €4k
2021: €5k
2022: €6k
2023: €-1k
2024: €-6k
2020 → 2025
Total assets
€15k▲ 36.0%
2024 · €11k
2020: €4k
2021: €11k
2022: €11k
2023: €7k
2024: €11k
2020 → 2025
Net result
€9k
2024 · €-5k
2020: €-3k
2021: €2k
2022: €1k
2023: €-7k
2024: €-5k
2020 → 2025
Working capital
€4k
2024 · €-6k
2020: €3k
2021: €5k
2022: €6k
2023: €-1k
2024: €-6k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€6k▲ 20.5%€-1k€-6k▼ 453%€4k
Operating result€2k-€1k▼ 41.6%€-7k€-5k▲ 39.2%€10k
Net result€2k-€1k▼ 40.6%€-7k€-5k▲ 36.7%€9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €10k after a loss of €5k in 2024, the highest result in the available series.
Balance-sheet composition
Equity and liabilities €15k
Equity
€4k
Debt
€11k
Debt finances 75.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€10k▲
2024 · €-4k
Cash flow
€10k▲
2024 · €-5k
Solvency
24.5%▲
2024 · -52.9%
Current ratio
1.32▲
2024 · 0.64
Quick ratio
1.26▲
2024 · 0.60
Debt / equity
3.08▲
2024 · -2.89
ROE
258.7%
ROA
63.3%▲
2024 · -43.3%
Interest coverage
83.09▲
2024 · -18.52
Debt
€11k▼
2024 · €17k
Debt ≤ 1 year
€11k▼
2024 · €17k
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€11k€15k▲
Fixed assets21/28€184€0▼
Tangible fixed assets22/27€184€0▼
Furniture and vehicles24€184€0▼
Current assets29/58€11k€15k▲
Stocks and contracts in progress3€669€669=
Stocks30/36€669€669=
Amounts receivable within one year40/41€8k€3k▼
Trade receivables40€7k€3k▼
Other amounts receivable41€1k€43▼
Cash at bank and in hand54/58€3€10k▲
Deferred charges and accrued income490/1€2k€873▼
Equity and liabilities
Total equity and liabilities10/49€11k€15k▲
Equity10/15€-6k€4k▲
Contributions10/11€7k€7k=
Profit (loss) carried forward14€-13k€-3k▲
Amounts payable17/49€17k€11k▼
Amounts payable within one year42/48€17k€11k▼
Financial debts43-€196
Credit institutions430/8-€196
Trade debts44€10k€1k▼
Suppliers440/4€10k€1k▼
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3€973€3k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€3k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€203€184▼
Other operating charges640/8€521€520▼
Gross operating margin9900€-4k€10k▲
Operating profit (loss)9901€-5k€10k▲
Financial charges65/66B€232€117▼
Recurring financial charges65€232€117▼
Profit (loss) for the period before taxes9903€-5k€9k▲
Profit (loss) for the period9904€-5k€9k▲
Profit (loss) for the period to be appropriated9905€-5k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-3k▲
Profit (loss) brought forward from the previous period14P€-8k€-13k▼
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 2026, expected by
2026
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.32
Current ratio from 0.64 to 1.32; short-term debt falls from €17k to €11k.
15-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-7k ▼785%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2022
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-11-2022
Resigned as Director
Location & real-estate footprint
Registered office, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit 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.
Stuurstraat(HSD) 113 A9120 Beveren-Kruibeke-ZwijndrechtGround area
2,241 m²
Building footprint
428 m²
Volume, LiDAR
1,789 m³
2 parcels, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NNORM
since 20202.315.036.543
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46009A0201/00E000 | Flanders | 1,245 m² | 1 · 157 m² | 8.2 m · 2 fl. |
| 46009A0200/00C000 | Flanders | 995 m² | 1 · 270 m² | 6.0 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 697 EUR awarded · 697 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 509 EUR |
| 2024 | 1 | 509 EUR | 0 EUR |
| 2023 | 1 | 188 EUR | 188 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 12,770 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.