NOSTEX
ActiveNOSTEX has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €984k and a net result of €-62k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 4137 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▼-55
Solvency87▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 7.26 against 5.71 in 2024; short-term debt: 13% and cash: 1.3% of total assets), and 38.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 →
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
61.7%
Return on assets
-3.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
29 d late
2023
26 d late
2022
28 d late
2021
30 d late
2020
1 d early
2019
34 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-62k
2024 · €9k
2018: €-195k
2019: €-95k
2020: €301k
2021: €43k
2022: €27k
2023: €34k
2024: €9k
2018 → 2025
Working capital
€1.30M▲ 6.5%
2024 · €1.23M
2018: €1.54M
2019: €1.49M
2020: €1.39M
2021: €1.36M
2022: €1.34M
2023: €1.27M
2024: €1.23M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€977k-€1.00M▲ 2.8%€1.04M▲ 3.3%€1.05M▲ 0.8%€984k▼ 5.9%
Operating result€48k-€32k▼ 33.4%€39k▲ 21.3%€15k▼ 62.0%€-56k
Net result€43k-€27k▼ 37.6%€34k▲ 24.1%€9k▼ 74.5%€-62k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €56k after €15k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.59M
Fixed assets
€81k▲ 3.7%
Current assets
€1.51M▲ 1.8%
Equity and liabilities €1.60M
Equity
€984k▼ 5.9%
Debt
€612k▲ 17.6%
The debt ratio rises from 33.2% to 38.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-25k▼
2024 · €48k
Cash flow
€-31k▼
2024 · €42k
Solvency
61.7%▼
2024 · 66.8%
Current ratio
7.26▲
2024 · 5.71
Quick ratio
1.00▲
2024 · 0.79
Debt / equity
0.62▲
2024 · 0.50
ROE
-6.3%▼
2024 · 0.8%
ROA
-3.9%▼
2024 · 0.5%
Interest coverage
-3.77▼
2024 · 7.28
Debt
€612k▲
2024 · €520k
Debt ≤ 1 year
€208k▼
2024 · €260k
Debt > 1 year
€404k▲
2024 · €260k
Income taxes
€-787▼
2024 · €288
Staff costs
€380k▲
2024 · €352k
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€1.57M€1.60M▲
Formation expenses20€2k€2k=
Fixed assets21/28€79k€81k▲
Tangible fixed assets22/27€75k€78k▲
Land and buildings22€15k€13k▼
Plant, machinery and equipment23€45k€53k▲
Furniture and vehicles24€16k€12k▼
Financial fixed assets28€3k€3k▲
Current assets29/58€1.49M€1.51M▲
Stocks and contracts in progress3€1.28M€1.30M▲
Stocks30/36€1.28M€1.30M▲
Amounts receivable within one year40/41€147k€152k▲
Trade receivables40€126k€130k▲
Other amounts receivable41€20k€22k▲
Cash at bank and in hand54/58€39k€20k▼
Deferred charges and accrued income490/1€21k€36k▲
Equity and liabilities
Total equity and liabilities10/49€1.57M€1.60M▲
Equity10/15€1.05M€984k▼
Contributions10/11€204k€204k=
Capital10€204k€204k=
Issued capital100€204k€204k=
Reserves13€83k€83k=
Non-distributable reserves130/1€20k€20k=
Legal reserve130€20k€20k=
Tax-exempt reserves132€56k€56k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€759k€697k▼
Amounts payable17/49€520k€612k▲
Amounts payable after more than one year17€260k€404k▲
Other amounts payable178/9€260k€404k▲
Amounts payable within one year42/48€260k€208k▼
Current portion of amounts payable after more than one year42€26k€38k▲
Trade debts44€108k€85k▼
Suppliers440/4€108k€85k▼
Advances received on contracts in progress46€75k-
Taxes, remuneration and social security45€48k€70k▲
Taxes450/3€18k€31k▲
Remuneration and social security454/9€30k€39k▲
Other amounts payable47/48€3k€15k▲
Income statement
Code20242025
Remuneration, social security and pensions62€352k€380k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€31k▼
Other operating charges640/8€15k€29k▲
Gross operating margin9900€415k€383k▼
Operating profit (loss)9901€15k€-56k▼
Financial income75/76B€638€432▼
Recurring financial income75€638€432▼
Financial charges65/66B€7k€7k▲
Recurring financial charges65€7k€7k▲
Profit (loss) for the period before taxes9903€9k€-63k▼
Income taxes67/77€288€-787▼
Profit (loss) for the period9904€9k€-62k▼
Profit (loss) for the period to be appropriated9905€9k€-62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€759k€697k▼
Profit (loss) brought forward from the previous period14P€751k€759k▲
Social balance
Average headcount (FTE)90879.29.9▲
The notes to these accounts (11 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 28 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 26 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
31-12
Financial
Equity above €1MEq €1.00M ▲2.8%
3 profitable years in a row build equity to €1.00M.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €301k
Net result €301k after 2 loss-making years.
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 34 days late
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 20 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 11 days late
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, Sint-Agatha-Berchem · 4 establishment units since 1989
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.
Gentsesteenweg 12991082 Sint-Agatha-BerchemGround area
1,936 m²
Building footprint
1,710 m²
Volume, LiDAR
11,867 m³
4 parcels, Brussels, Flanders · tallest building 21.3 m, ±2 floors. Linked by address, not a title deed.
4 establishment units
NEKKERTEX
since 19892.044.074.763
JOYCE
since 19902.044.074.466
STOFFENPALEIS
since 19992.044.074.565
Nostex
since 20212.317.802.132
4 parcels
Flanders
2
(50%)
Brussels
2
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12402C0167/00H000 | Flanders | 609 m² | 1 · 606 m² | 12.6 m · 2 fl. |
| 21003A0330/00Y002 | Brussels | 536 m² | 1 · 404 m² | 9.7 m · 2 fl. |
| 11462A0274/00D000 | Flanders | 516 m² | 1 · 498 m² | 21.3 m · 2 fl. |
| 21362B0068/00X000 | Brussels | 275 m² | 1 · 202 m² | 12.6 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 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
KLEIN LONDEN
BE 0452.308.228
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LIRRCO
BE 0550.499.546
Berlaar · Eq €990k
CREATIEF INTERIEUR
BE 0447.906.507
Zottegem · Eq €935k
M
BE 0476.587.625
Antwerpen · Eq €934k
VAN DIJCK
BE 0432.655.335
Wuustwezel · Eq €1.04M
Of 1,272 companies in sector 47512 we hold annual accounts for 581. 319 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-06-1989
Fiscal year end31-12
Activities, NACEBEL
47512Retail sale of household textiles and bedding
51421
52410
46423Wholesale of clothing, excluding workwear and underwear
58290Other software publishing
62010Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 35 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.