NOUNA
ActiveNOUNA has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €373k and a net result of €-32k. Equity is shrinking by ~5% per year across the filed fiscal years. Its solvency ranks better than 46% of 13898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency29▼-20
Growth32=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days only on tighter terms
Liquidity short (current ratio 0.03 against 0.73 in 2024), and 74.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€32k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
19 d late
2023
1 d early
2022
1 d early
2021
on the day
2020
1 d late
2019
53 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€373k▼ 7.8%
2024 · €405k
2019: €493k
2020: €503k
2021: €459k
2022: €435k
2023: €413k
2024: €405k
2019 → 2025
Total assets
€1.47M▲ 24.8%
2024 · €1.18M
2019: €910k
2020: €858k
2021: €1.38M
2022: €1.30M
2023: €1.23M
2024: €1.18M
2019 → 2025
Net result
€-32k▼ 301%
2024 · €-8k
2019: €-7k
2020: €10k
2021: €-45k
2022: €-23k
2023: €-22k
2024: €-8k
2019 → 2025
Working capital
€-674k▼ 593%
2024 · €-97k
2019: €68k
2020: €73k
2021: €-95k
2022: €-107k
2023: €-100k
2024: €-97k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€459k-€435k▼ 5.1%€413k▼ 5.1%€405k▼ 1.9%€373k▼ 7.8%
Operating result€-45k-€-20k▲ 54.6%€-19k▲ 8.0%€-6k▲ 66.0%€-28k▼ 338%
Net result€-45k-€-23k▲ 47.7%€-22k▲ 4.6%€-8k▲ 64.5%€-32k▼ 301%
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 €28k in 2025 against €6k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.47M
Fixed assets
€1.45M▲ 59.2%
Current assets
€19k▼ 93.0%
Equity and liabilities €1.47M
Equity
€373k▼ 7.8%
Provisions
€55k▼ 8.1%
Debt
€1.04M▲ 46.1%
The debt ratio rises from 60.6% to 70.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€35k▼
2024 · €47k
Cash flow
€31k▼
2024 · €45k
Solvency
25.4%▼
2024 · 34.4%
Current ratio
0.03▼
2024 · 0.73
Quick ratio
0.03▼
2024 · 0.73
Debt / equity
2.79▲
2024 · 1.76
ROE
-8.5%▼
2024 · -2.0%
ROA
-2.2%▼
2024 · -0.7%
Interest coverage
4.53▼
2024 · 8.34
Debt
€1.04M▲
2024 · €714k
Debt ≤ 1 year
€693k▲
2024 · €363k
Debt > 1 year
€350k▼
2024 · €351k
Income taxes
€769▲
2024 · €711
Staff costs
€45k▲
2024 · €44k
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€1.18M€1.47M▲
Fixed assets21/28€912k€1.45M▲
Tangible fixed assets22/27€912k€1.45M▲
Land and buildings22€902k€1.44M▲
Plant, machinery and equipment23-€3k
Furniture and vehicles24€10k€8k▼
Financial fixed assets28€37€37=
Current assets29/58€266k€19k▼
Amounts receivable within one year40/41€246k€14k▼
Trade receivables40€8k€14k▲
Other amounts receivable41€238k-
Cash at bank and in hand54/58€20k€5k▼
Equity and liabilities
Total equity and liabilities10/49€1.18M€1.47M▲
Equity10/15€405k€373k▼
Contributions10/11€3.36M€3.36M=
Capital10€3.36M€3.36M=
Issued capital100€3.36M€3.36M=
Reserves13€426k€417k▼
Non-distributable reserves130/1€105k€105k=
Legal reserve130€105k€105k=
Tax-exempt reserves132€115k€106k▼
Distributable reserves133€206k€206k=
Profit (loss) carried forward14€-3.38M€-3.40M▼
Provisions and deferred taxes16€59k€55k▼
Deferred taxes168€59k€55k▼
Amounts payable17/49€714k€1.04M▲
Amounts payable after more than one year17€351k€350k▼
Financial debts170/4€351k€350k▼
Amounts payable within one year42/48€363k€693k▲
Current portion of amounts payable after more than one year42€30k-
Trade debts44€13k€39k▲
Suppliers440/4€13k€39k▲
Taxes, remuneration and social security45€7k€8k▲
Taxes450/3€1k€1k▲
Remuneration and social security454/9€5k€7k▲
Other amounts payable47/48€313k€645k▲
Income statement
Code20242025
Remuneration, social security and pensions62€44k€45k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€63k▲
Other operating charges640/8€26k€47k▲
Gross operating margin9900€117k€128k▲
Operating profit (loss)9901€-6k€-28k▼
Financial income75/76B€9€1▼
Recurring financial income75€9€1▼
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€-12k€-36k▼
Transfer from deferred taxes780€5k€5k=
Income taxes67/77€711€769▲
Profit (loss) for the period9904€-8k€-32k▼
Transfer from tax-exempt reserves789€9k€9k=
Profit (loss) for the period to be appropriated9905€1k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3.38M€-3.40M▼
Profit (loss) brought forward from the previous period14P€-3.38M€-3.38M=
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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €-45k ▼542%
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
30-06
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
30-06
Financial
Equity above €500kEq €503k ▲2%
Equity rises from €493k to €503k.
24-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
14-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2024
ZYLBERSZTEJN Laurie Marylin
CurrentDirector · since 03-07-2024
03-07-2024
ZYLBERSZTEJN Laurie Marylin: Appointed as Director
07-12-2023
DASKALIDES Janine Georgette: Resigned as Director
Location & real-estate footprint
Registered office, Knokke-Heist · 1 establishment unit since 1983
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.
Graaf Jansdijk 4308300 Knokke-HeistGround area
934 m²
Building footprint
170 m²
Volume, LiDAR
775 m³
Parcel 31333K0550/00E007, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Graaf Jansdijk 430, 8300 Knokke-Heist
since 19832.023.049.519
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31333K0550/00E007 | Flanders | 934 m² | 1 · 170 m² | 6.5 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
Bureau Européen
BE 0443.146.478
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COLSON VASTGOED
BE 0465.442.127
As · Eq €373k
WINTIME
BE 0442.010.885
La Hulpe · Eq €373k
IMMO LECLERCQ
BE 0880.145.237
Tournai · Eq €374k
VIAS
BE 0433.953.452
Gavere · Eq €374k
Of 11,700 companies in sector 68310 we hold annual accounts for 6,875. 4,801 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded30-09-1983
Fiscal year end30-06
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.