NOMALOU
ActiveThe computed 12-month bankruptcy probability of NOMALOU is 1.6% (moderate). The 2025 annual accounts show equity of €641k and a net result of €176k. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 70% of 13090 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-6
Solvency79▼-8
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 2.17 against 2.58 in 2024; short-term debt: 45.3% and cash: 83.4% of total assets), and 45.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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
54.2%
Return on assets
14.9%
Age of the figures
12 mo
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 · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 05-05-2026, 5 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 · 6 filingsDeviation from the deadline
2025
5 d late
2024
28 d late
2023
4 d early
2022
9 d late
2020
5 d late
2019
337 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€176k▼ 36.4%
2024 · €277k
2019: €264k
2020: €18k
2022: €318k
2023: €87k
2024: €277k
2019 → 2025
Working capital
€626k▼ 26.4%
2024 · €851k
2019: €198k
2020: €229k
2022: €656k
2023: €712k
2024: €851k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€229k-€643k▲ 181%€730k▲ 13.5%€876k▲ 20.0%€641k▼ 26.9%
Operating result€28k-€429k▲ 1,453%€248k▼ 42.2%€360k▲ 45.5%€237k▼ 34.1%
Net result€18k-€318k▲ 1,669%€87k▼ 72.7%€277k▲ 219%€176k▼ 36.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.18M
Fixed assets
€20k▼ 34.3%
Current assets
€1.16M▼ 16.5%
Equity and liabilities €1.18M
Equity
€641k▼ 26.9%
Debt
€542k▼ 0.7%
The debt ratio rises from 38.4% to 45.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€253k▼
2024 · €375k
Cash flow
€192k▼
2024 · €291k
Solvency
54.2%▼
2024 · 61.6%
Current ratio
2.17▼
2024 · 2.58
Quick ratio
2.16▼
2024 · 2.57
Debt / equity
0.85▲
2024 · 0.62
ROE
27.5%▼
2024 · 31.6%
ROA
14.9%▼
2024 · 19.5%
Interest coverage
53.08▼
2024 · 1148.08
Debt
€542k▼
2024 · €546k
Debt ≤ 1 year
€536k▼
2024 · €540k
Income taxes
€62k▼
2024 · €105k
Staff costs
€229k▲
2024 · €197k
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€1.42M€1.18M▼
Fixed assets21/28€31k€20k▼
Tangible fixed assets22/27€31k€20k▼
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€23k€15k▼
Current assets29/58€1.39M€1.16M▼
Amounts receivable after more than one year29€59k€62k▲
Trade receivables290€59k€62k▲
Stocks and contracts in progress3€6k€6k▲
Stocks30/36€6k€6k▲
Amounts receivable within one year40/41€265k€103k▼
Trade receivables40€251k€47k▼
Other amounts receivable41€14k€56k▲
Cash at bank and in hand54/58€1.06M€986k▼
Deferred charges and accrued income490/1€3k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.42M€1.18M▼
Equity10/15€876k€641k▼
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€868k€633k▼
Amounts payable17/49€546k€542k▼
Amounts payable within one year42/48€540k€536k▼
Trade debts44€319k€138k▼
Suppliers440/4€319k€138k▼
Taxes, remuneration and social security45€221k€134k▼
Taxes450/3€191k€114k▼
Remuneration and social security454/9€29k€21k▼
Other amounts payable47/48€625€264k▲
Accrued charges and deferred income492/3€6k€6k=
Income statement
Code20242025
Remuneration, social security and pensions62€197k€229k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€16k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-9k€-30k▼
Other operating charges640/8€27k€10k▼
Gross operating margin9900€590k€462k▼
Operating profit (loss)9901€360k€237k▼
Financial income75/76B€22k€6k▼
Recurring financial income75€22k€6k▼
Financial charges65/66B€326€5k▲
Recurring financial charges65€326€5k▲
Profit (loss) for the period before taxes9903€382k€238k▼
Income taxes67/77€105k€62k▼
Profit (loss) for the period9904€277k€176k▼
Profit (loss) for the period to be appropriated9905€277k€176k▼
Appropriation of the result
Profit (loss) to be appropriated9906€999k€1.04M▲
Profit (loss) brought forward from the previous period14P€722k€868k▲
Profit to be distributed694/7€131k€412k▲
Return on contributions (dividend)694€131k€412k▲
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
05-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
30-09
Financial
Highest result since 2019net €318k ▲1669%
Operating result €429k, net result €318k, both a record.
30-09
Financial
Equity above €500kEq €643k ▲181%
3 profitable years in a row build equity to €643k.
2021
05-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 5 days late
02-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 337 days late
2020
30-09
Financial
Weakest financial yearnet €18k ▼93.2%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Chaumont-Gistoux · 1 establishment unit since 2018
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.
Rue de Louvranges, Dion-V. 70A1325 Chaumont-GistouxGround area
4,639 m²
Building footprint
1,353 m²
Volume, LiDAR
10,442 m³
2 parcels, Wallonia · tallest building 13.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NOMALOU
since 20182.272.853.223
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25025C0008/00D000 | Wallonia | 3,837 m² | 1 · 1,353 m² | 13.9 m · 2 fl. |
| 25076D0004/00N000 | Wallonia | 802 m² | - | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLasne2.272.853.223
Similar companies · same sector, comparable size
APERO FISH PALACE
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BE 0434.351.845
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Tiva
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Merelbeke-Melle · Eq €643k
LA MAISON DE ZHANG
BE 0434.271.077
Waremme · Eq €644k
Of 20,506 companies in sector 56111 we hold annual accounts for 11,453. 5,595 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-02-2018
Fiscal year end30-09
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
56220Contract catering and other food service activities
56290Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.