Nôa & Co
ActiveNôa & Co has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €232k and a net result of €-8k. Equity is shrinking by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 93% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▼-1
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 2.43 against 2.62 in 2024; short-term debt: 4.9% and cash: 1% of total assets), and 6.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-8k
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
43 d late
2023
49 d late
2022
11 d early
2021
9 d late
2020
59 d early
2019
2 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€232k▼ 3.1%
2024 · €239k
2018: €425k
2019: €436k
2020: €371k
2021: €300k
2022: €253k
2023: €244k
2024: €239k
2018 → 2025
Total assets
€247k▼ 2.3%
2024 · €253k
2018: €462k
2019: €474k
2020: €414k
2021: €335k
2022: €262k
2023: €257k
2024: €253k
2018 → 2025
Net result
€-8k▼ 62.2%
2024 · €-5k
2018: €49k
2019: €11k
2020: €-31k
2021: €-55k
2022: €-47k
2023: €-9k
2024: €-5k
2018 → 2025
Working capital
€17k▲ 8.1%
2024 · €16k
2018: €250k
2019: €239k
2020: €171k
2021: €46k
2022: €12k
2023: €17k
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€300k-€253k▼ 15.8%€244k▼ 3.5%€239k▼ 1.9%€232k▼ 3.1%
Operating result€-55k-€-47k▲ 14.8%€-9k▲ 80.9%€-5k▲ 46.0%€-8k▼ 59.0%
Net result€-55k-€-47k▲ 13.9%€-9k▲ 81.2%€-5k▲ 47.8%€-8k▼ 62.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2025 against €5k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €247k
Fixed assets
€218k▼ 4.1%
Current assets
€30k▲ 13.7%
Equity and liabilities €247k
Equity
€232k▼ 3.1%
Provisions
€2k▼ 16.1%
Debt
€13k▲ 19.4%
The debt ratio rises from 4.5% to 5.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€7k▼
2024 · €10k
Cash flow
€7k▼
2024 · €10k
Solvency
93.6%▼
2024 · 94.4%
Current ratio
2.43▼
2024 · 2.62
Quick ratio
2.14▼
2024 · 2.26
Debt / equity
0.06▲
2024 · 0.05
ROE
-3.3%▼
2024 · -1.9%
ROA
-3.0%▼
2024 · -1.8%
Interest coverage
27.67▼
2024 · 41.55
Debt
€13k▲
2024 · €11k
Debt ≤ 1 year
€12k▲
2024 · €10k
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€253k€247k▼
Fixed assets21/28€227k€218k▼
Tangible fixed assets22/27€192k€183k▼
Land and buildings22€169k€160k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€917€953▲
Other tangible fixed assets26€20k€20k=
Financial fixed assets28€35k€35k=
Current assets29/58€26k€30k▲
Stocks and contracts in progress3€4k€4k=
Stocks30/36€4k€4k=
Current investments50/53€20k€23k▲
Cash at bank and in hand54/58€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€253k€247k▼
Equity10/15€239k€232k▼
Contributions10/11€20k€20k=
Reserves13€231k€230k▼
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Tax-exempt reserves132€5k€5k▼
Distributable reserves133€219k€219k=
Profit (loss) carried forward14€-12k€-18k▼
Provisions and deferred taxes16€3k€2k▼
Deferred taxes168€3k€2k▼
Amounts payable17/49€11k€13k▲
Amounts payable within one year42/48€10k€12k▲
Trade debts44€387€3k▲
Suppliers440/4€387€3k▲
Taxes, remuneration and social security45€83€120▲
Taxes450/3€83€120▲
Other amounts payable47/48€9k€9k▼
Accrued charges and deferred income492/3€1k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A-€2
Gross operating margin9900€12k€9k▼
Operating profit (loss)9901€-5k€-8k▼
Financial charges65/66B€242€264▲
Recurring financial charges65€242€264▲
Profit (loss) for the period before taxes9903€-5k€-8k▼
Transfer from deferred taxes780€456€456=
Profit (loss) for the period9904€-5k€-8k▼
Transfer from tax-exempt reserves789€885€885=
Profit (loss) for the period to be appropriated9905€-4k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-18k▼
Profit (loss) brought forward from the previous period14P€-8k€-12k▼
The notes to these accounts (6 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
12-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 43 days late
2024
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 49 days late
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
31-12
Financial
Weakest financial yearnet €-55k
Net result drops to €-55k, the lowest in the series; recovery starts the following year.
02-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Grimbergen · 1 establishment unit since 1994
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.
Hazenstraat 121853 GrimbergenGround area
349 m²
Building footprint
300 m²
Parcel 23084B0087/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
Hazenstraat 12, 1853 Grimbergen
since 19942.303.057.538
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23084B0087/00D000 | Flanders | 349 m² | 1 · 300 m² | - |
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.
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Of 1,276 companies in sector 46160 we hold annual accounts for 686. 487 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-10-1994
Fiscal year end31-12
Activities, NACEBEL
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.