NOMATO
ActiveSummary
The computed 12-month bankruptcy probability of NOMATO is 2.0% (moderate). The 2025 annual accounts show equity of €20k and a net result of €19k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 7453 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
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-19
Solvency35▲+9
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.75 against 0.77 in 2024; short-term debt: 85.6% of total assets), and 89.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 41
Relative position
BE, all sectors
reference
Sector 41
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
10.3%
Return on assets
9.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 7453 sector peers (2025).
NBB · sector comparisonPosition among 7453 sector peers
Solvency
better than 18%
← weakest
strongest →
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 07-07-2026, 24 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
24 d early
2024
110 d late
2023
146 d late
2022
8 d late
2021
26 d late
2020
60 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▲ 1,462%
2024 · €1k
2020: €44k
2021: €-108k
2022: €-30k
2023: €-64k
2024: €1k
2020 → 2025
Total assets
€192k▲ 9.5%
2024 · €175k
2020: €193k
2021: €177k
2022: €175k
2023: €128k
2024: €175k
2020 → 2025
Net result
€19k▼ 71.7%
2024 · €66k
2020: €34k
2021: €-133k
2022: €79k
2023: €-35k
2024: €66k
2020 → 2025
Working capital
€-41k▼ 19.7%
2024 · €-34k
2020: €18k
2021: €-118k
2022: €-53k
2023: €-110k
2024: €-34k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-108k-€-30k▲ 72.8%€-64k▼ 118%€1k€20k▲ 1,462%
Operating result€-125k-€88k€-27k€70k€20k▼ 71.1%
Net result€-133k-€79k€-35k€66k€19k▼ 71.7%
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 2025; 2025 is 71% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €192k
Fixed assets
€69k ▲ 12.7%
Current assets
€123k ▲ 7.8%
Equity and liabilities €192k
Equity
€20k ▲ 1,462%
Debt
€172k ▼ 1.1%
Debt's share of the balance-sheet total falls from 99.3% to 89.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▼
2024 · €86k
Cash flow
€31k▼
2024 · €82k
Current ratio
0.75▼
2024 · 0.77
Quick ratio
0.63▲
2024 · 0.62
Debt to equity
8.68
ROE
93.6%
ROA
9.7%▼
2024 · 37.4%
Interest coverage
70.79▲
2024 · 18.52
Debt ≤ 1 year
€164k▲
2024 · €149k
Debt > 1 year
€8k▼
2024 · €25k
Income taxes
€1k
Staff costs
€42
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€175k€192k▲
Fixed assets21/28€61k€69k▲
Tangible fixed assets22/27€61k€68k▲
Plant, machinery and equipment23€483-
Furniture and vehicles24€4k€22k▲
Leasing and similar rights25€56k€46k▼
Other tangible fixed assets26€66-
Financial fixed assets28€363€363=
Current assets29/58€114k€123k▲
Stocks and contracts in progress3€23k€20k▼
Stocks30/36€23k€20k▼
Amounts receivable within one year40/41€80k€101k▲
Trade receivables40€70k€84k▲
Other amounts receivable41€10k€17k▲
Cash at bank and in hand54/58€10k-
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€175k€192k▲
Equity10/15€1k€20k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€-9k€10k▲
Amounts payable17/49€174k€172k▼
Amounts payable after more than one year17€25k€8k▼
Financial debts170/4€25k€8k▼
Amounts payable within one year42/48€149k€164k▲
Current portion of amounts payable after more than one year42€8k€4k▼
Financial debts43€407€13k▲
Credit institutions430/8€407€13k▲
Trade debts44€88k€78k▼
Suppliers440/4€88k€78k▼
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3€300€3k▲
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€50k€65k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€42
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€13k▼
Other operating charges640/8€2k€985▼
Gross operating margin9900€88k€34k▼
Operating profit (loss)9901€70k€20k▼
Financial income75/76B€10-
Recurring financial income75€10-
Financial charges65/66B€5k€467▼
Recurring financial charges65€5k€467▼
Profit (loss) for the period before taxes9903€66k€20k▼
Income taxes67/77-€1k
Profit (loss) for the period9904€66k€19k▼
Profit (loss) for the period to be appropriated9905€66k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€10k▲
Profit (loss) brought forward from the previous period14P€-74k€-9k▲
The notes to these accounts (9 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 110 days late
2024
31-12
Financial
Back to profitnet €66k
Net result €66k after one loss-making year.
24-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 146 days late
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
31-12
Financial
Back to profitnet €79k
Net result €79k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Weakest financial yearnet €-133k ▼489%
Net result drops to €-133k, the lowest in the series; recovery starts the following year.
01-06
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
4 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, Lessines · 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.
Haute Rue d'Ogy(OG) 17862 LessinesGround area
693 m²
Building footprint
143 m²
Volume, LiDAR
832 m³
Parcel 55029B0183/00E000, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NOMATO
since 20202.298.321.265
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55029B0183/00E000 | Wallonia | 693 m² | 1 · 143 m² | 7.5 m · 2 fl. |
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.
Similar companies · same sector, comparable size
PIROTTE CONSTRUCT
BE 1028.042.127
Verviers · Eq €19,852
GNT BELGIUM
BE 0899.347.673
Ham-sur-Heure-Nalinnes · Eq €19,851
DELVIE
BE 1006.263.449
Drogenbos · Eq €19,849
BM RENOVATIEWERKEN
BE 1019.281.839
Berlaar · Eq €19,849
M GROUP CONSTRUCT
BE 1007.052.515
Drogenbos · Eq €19,872
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 11,529 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43211General electrical installation work
43221Plumbing work
43331Floor and wall tiling
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.