Summary
NOTAVIBEL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €66k and a net result of €24k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 55% of 8023 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 15-04-2026, 107 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
107 d early
2024
133 d early
2023
70 d early
2022
124 d early
2021
118 d early
2020
25 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€66k▼ 41.2%
2024 · €113k
2020: €66k
2021: €91k
2022: €136k
2023: €124k
2024: €113k
2020 → 2025
Net result
€24k
2024 · €-11k
2020: €51k
2021: €23k
2022: €46k
2023: €-12k
2024: €-11k
2020 → 2025
Total assets
€116k▼ 12.9%
2024 · €134k
2020: €94k
2021: €120k
2022: €160k
2023: €154k
2024: €134k
2020 → 2025
Solvency
57.1%▼ 27.4pp
2024 · 84.5%
2020: 70.2%
2021: 75.7%
2022: 85.0%
2023: 80.6%
2024: 84.5%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€91k-€136k▲ 49.5%€124k▼ 8.7%€113k▼ 8.9%€66k▼ 41.2%
Operating result€30k-€58k▲ 91.7%€-12k€-11k▲ 12.8%€27k
Net result€23k-€46k▲ 97.9%€-12k€-11k▲ 6.2%€24k
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: €27k after a loss of €11k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€3k ▲ 146%
Current assets
€113k ▼ 14.3%
Equity and liabilities €116k
Equity
€66k ▼ 41.2%
Debt
€50k ▲ 140%
Debt's share of the balance-sheet total rises from 15.5% to 42.9%. Equity is lower and debt is higher.
Key figures and ratios
ROE
35.5%▲
2024 · -9.8%
ROA
20.3%▲
2024 · -8.3%
Debt ≤ 1 year
€6k▼
2024 · €6k
Debt > 1 year
€44k▲
2024 · €15k
Income taxes
€3k▲
2024 · €128
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€134k€116k▼
Fixed assets21/28€1k€3k▲
Tangible fixed assets22/27€1k€3k▲
Furniture and vehicles24€198€2k▲
Other tangible fixed assets26€938€803▼
Current assets29/58€132k€113k▼
Amounts receivable within one year40/41€14k€17k▲
Trade receivables40€9k€10k▲
Other amounts receivable41€5k€7k▲
Current investments50/53€25k€0▼
Cash at bank and in hand54/58€93k€96k▲
Deferred charges and accrued income490/1€811€230▼
Equity and liabilities
Total equity and liabilities10/49€134k€116k▼
Equity10/15€113k€66k▼
Contributions10/11€19k€19k=
Reserves13€94k€48k▼
Distributable reserves133€94k€48k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€21k€50k▲
Amounts payable after more than one year17€15k€44k▲
Other amounts payable178/9€15k€44k▲
Amounts payable within one year42/48€6k€6k▼
Trade debts44€138€738▲
Suppliers440/4€138€738▲
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€849€422▼
Accrued charges and deferred income492/3€174€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€206€575▲
Other operating charges640/8€950€1k▲
Gross operating margin9900€-9k€29k▲
Operating profit (loss)9901€-11k€27k▲
Financial income75/76B€1k€219▼
Recurring financial income75€1k€219▼
Financial charges65/66B€1k€848▼
Recurring financial charges65€1k€848▼
Profit (loss) for the period before taxes9903€-11k€26k▲
Income taxes67/77€128€3k▲
Profit (loss) for the period9904€-11k€24k▲
Profit (loss) for the period to be appropriated9905€-11k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€24k▲
Transfer from equity791/2€11k€70k▲
Transfer to equity691/2-€24k
To other reserves6921-€24k
Profit to be distributed694/7-€70k
Return on contributions (dividend)694-€70k
The notes to these accounts (5 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
15-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €24k
Net result €24k after 2 loss-making years.
20-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 23.55
Current ratio from 11.76 to 23.55; short-term debt falls from €13k to €6k.
22-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
29-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €136k ▲49.5%
3 profitable years in a row build equity to €136k.
04-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Brugge · 1 establishment unit since 2019
Ground area
268 m²
Building footprint
105 m²
Parcel 31434C0104/00K002, Flanders. Linked by address, not a title deed.
1 establishment unit
NOTAVIBEL
since 20192.286.218.041
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31434C0104/00K002 | Flanders | 268 m² | 1 · 105 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 24,727 companies in sector 64210 we hold annual accounts for 19,768. 11,245 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
Founded14-02-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
69109Other legal services
70200Business and other management consultancy
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.