NOUR
ActiveSummary
The computed 12-month bankruptcy probability of NOUR is 2.1% (moderate). The annual accounts of NOUR for fiscal year 2024 show a net loss of 69% of the equity at the start of that year. The 2024 annual accounts show equity of €14k and a net result of €-31k. Equity is growing by ~71% per year across the filed fiscal years. Its solvency ranks better than 35% of 18936 sector peers (fiscal year 2024). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-100
Solvency37▼-35
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.13 against 1.68 in 2023; short-term debt: 65% and cash: 0.1% of total assets), and 88.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
11.7%
Return on assets
-25.5%
Age of the figures
21 mo
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 · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-11-2025, 114 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
114 d late
2023
66 d late
2022
67 d late
2021
59 d late
2020
68 d late
2019
206 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€14k▼ 68.5%
2023 · €46k
2018: €-77klowest in 7 years
2019: €-33k▲ +57.6% vs 2018
2020: €-28k▲ +13.9% vs 2019
2021: €-482▲ +98.3% vs 2020
2022: €19k▲ +4141% vs 2021
2023: €46k▲ +134% vs 2022highest in 7 years
2024: €14k▼ -68.5% vs 2023
2018 → 2024
Total assets
€122k▲ 25.2%
2023 · €98k
2018: €18klowest in 7 years
2019: €21k▲ +16.6% vs 2018
2020: €40k▲ +91.6% vs 2019
2021: €41k▲ +2.2% vs 2020
2022: €52k▲ +27.7% vs 2021
2023: €98k▲ +86.2% vs 2022
2024: €122k▲ +25.2% vs 2023highest in 7 years
2018 → 2024
Net result
€-31k
2023 · €26k
2018: €2k
2019: €44k▲ +2497% vs 2018highest in 7 years
2020: €5k▼ -89.8% vs 2019
2021: €28k▲ +510% vs 2020
2022: €20k▼ -27.8% vs 2021
2023: €26k▲ +31.0% vs 2022
2024: €-31k▼ -220% vs 2023lowest in 7 years
2018 → 2024
Working capital
€11k▼ 70.0%
2023 · €36k
2018: €-55klowest in 7 years
2019: €-37k▲ +31.5% vs 2018
2020: €-19k▲ +50.5% vs 2019
2021: €19k▲ +204% vs 2020
2022: €16k▼ -17.8% vs 2021
2023: €36k▲ +125% vs 2022highest in 7 years
2024: €11k▼ -70.0% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-28k-€-482▲ 98.3%€19k€46k▲ 134%€14k▼ 68.5%
2020: €-28klowest in 5 years
2021: €-482▲ +98.3% vs 2020
2022: €19k▲ +4141% vs 2021
2023: €46k▲ +134% vs 2022highest in 5 years
2024: €14k▼ -68.5% vs 2023
Operating result€10k-€-12k€25k€38k▲ 51.0%€-23k
2020: €10k
2021: €-12k▼ -215% vs 2020
2022: €25k▲ +313% vs 2021
2023: €38k▲ +51.0% vs 2022highest in 5 years
2024: €-23k▼ -162% vs 2023lowest in 5 years
Net result€5k-€28k▲ 510%€20k▼ 27.8%€26k▲ 31.0%€-31k
2020: €5k
2021: €28k▲ +510% vs 2020highest in 5 years
2022: €20k▼ -27.8% vs 2021
2023: €26k▲ +31.0% vs 2022
2024: €-31k▼ -220% vs 2023lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €23k after €38k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €122k
Fixed assets
€32k ▲ 219%
Current assets
€90k ▲ 3.0%
Equity and liabilities €122k
Equity
€14k ▼ 68.5%
Debt
€108k ▲ 107%
Debt's share of the balance-sheet total rises from 53.3% to 88.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-20k▼
2023 · €40k
Cash flow
€-28k▼
2023 · €28k
Current ratio
1.13▼
2023 · 1.68
Quick ratio
1.04▼
2023 · 1.53
Debt to equity
7.53▲
2023 · 1.14
ROE
-217.9%▼
2023 · 57.3%
ROA
-25.5%▼
2023 · 26.7%
Interest coverage
-2.54▼
2023 · 14.08
Debt ≤ 1 year
€80k▲
2023 · €52k
Debt > 1 year
€28k
Income taxes
€175▼
2023 · €9k
Staff costs
€109k▲
2023 · €100k
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 · 2024 against 2023 · 50 lines
Balance sheet
Code20232024
Assets
Total assets20/58€98k€122k▲
Fixed assets21/28€10k€32k▲
Tangible fixed assets22/27€10k€32k▲
Land and buildings22€4k€3k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€3k€26k▲
Financial fixed assets28€328€328=
Current assets29/58€88k€90k▲
Amounts receivable after more than one year29€65k€76k▲
Trade receivables290€65k€76k▲
Stocks and contracts in progress3€8k€7k▼
Stocks30/36€8k€7k▼
Amounts receivable within one year40/41€10k€4k▼
Trade receivables40€8k-
Other amounts receivable41€2k€4k▲
Cash at bank and in hand54/58€3k€155▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€98k€122k▲
Equity10/15€46k€14k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€26k€-6k▼
Amounts payable17/49€52k€108k▲
Amounts payable after more than one year17-€28k
Financial debts170/4-€28k
Amounts payable within one year42/48€52k€80k▲
Current portion of amounts payable after more than one year42-€25k
Financial debts43€10k€4k▼
Credit institutions430/8€10k€4k▼
Trade debts44€14k€33k▲
Suppliers440/4€14k€33k▲
Taxes, remuneration and social security45€29k€16k▼
Taxes450/3€19k€12k▼
Remuneration and social security454/9€10k€5k▼
Other amounts payable47/48€28€977▲
Income statement
Code20232024
Non-recurring operating income76A-€918
Remuneration, social security and pensions62€100k€109k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€7k€13k▲
Gross operating margin9900€147k€102k▼
Operating profit (loss)9901€38k€-23k▼
Financial income75/76B€28€39▲
Recurring financial income75€28€39▲
Financial charges65/66B€3k€8k▲
Recurring financial charges65€3k€8k▲
Profit (loss) for the period before taxes9903€35k€-31k▼
Income taxes67/77€9k€175▼
Profit (loss) for the period9904€26k€-31k▼
Profit (loss) for the period to be appropriated9905€26k€-31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€-6k▼
Profit (loss) brought forward from the previous period14P€-539€26k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €220 | - | €918 | - |
| Remuneration, social security and pensions62 | - | €18k | €46k | €100k | €109k | ▲ 8.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €1k | €2k | €2k | €4k | ▲ 50.6% |
| Other operating charges640/8 | - | €8k | €14k | €7k | €13k | ▲ 88.0% |
| Gross operating margin9900 | €58k | €15k | €87k | €147k | €102k | ▼ 30.6% |
| Operating profit (loss)9901 | €10k | €-12k | €25k | €38k | €-23k | ▼ 162% |
| Financial income75/76B | - | €43k | €23 | €28 | €39 | ▲ 37.9% |
| Recurring financial income75 | €17 | €43k | €23 | €28 | €39 | ▲ 37.9% |
| Financial charges65/66B | - | €4k | €2k | €3k | €8k | ▲ 175% |
| Recurring financial charges65 | €6k | €4k | €2k | €3k | €8k | ▲ 175% |
| Profit (loss) for the period before taxes9903 | €5k | €28k | €23k | €35k | €-31k | ▼ 189% |
| Income taxes67/77 | €49 | €62 | €3k | €9k | €175 | ▼ 98.0% |
| Profit (loss) for the period9904 | €5k | €28k | €20k | €26k | €-31k | ▼ 220% |
| Profit (loss) for the period to be appropriated9905 | €5k | €28k | €20k | €26k | €-31k | ▼ 220% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €40k | €41k | €52k | €98k | €122k | ▲ 25.2% |
| Fixed assets21/28 | €2k | €7k | €9k | €10k | €32k | ▲ 219% |
| Tangible fixed assets22/27 | €2k | €7k | €8k | €10k | €32k | ▲ 227% |
| Land and buildings22 | - | €992 | €4k | €4k | €3k | ▼ 14.2% |
| Plant, machinery and equipment23 | - | €2k | €2k | €3k | €2k | ▼ 28.0% |
| Furniture and vehicles24 | - | €4k | €3k | €3k | €26k | ▲ 835% |
| Financial fixed assets28 | €328 | €328 | €328 | €328 | €328 | = |
| Current assets29/58 | €38k | €34k | €44k | €88k | €90k | ▲ 3.0% |
| Amounts receivable after more than one year29 | - | - | €34k | €65k | €76k | ▲ 17.3% |
| Trade receivables290 | - | - | €34k | €65k | €76k | ▲ 17.3% |
| Stocks and contracts in progress3 | €6k | €6k | €5k | €8k | €7k | ▼ 6.8% |
| Stocks30/36 | - | €6k | €5k | €8k | €7k | ▼ 6.8% |
| Amounts receivable within one year40/41 | €10k | €2k | €48 | €10k | €4k | ▼ 56.1% |
| Trade receivables40 | - | - | - | €8k | - | - |
| Other amounts receivable41 | - | €2k | €48 | €2k | €4k | ▲ 90.4% |
| Cash at bank and in hand54/58 | €4k | €24k | €5k | €3k | €155 | ▼ 95.0% |
| Deferred charges and accrued income490/1 | - | €2k | €236 | €2k | €2k | ▲ 25.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €40k | €41k | €52k | €98k | €122k | ▲ 25.2% |
| Equity10/15 | €-28k | €-482 | €19k | €46k | €14k | ▼ 68.5% |
| Contributions10/11 | - | €20k | €20k | €20k | €20k | = |
| Profit (loss) carried forward14 | €-48k | €-20k | €-539 | €26k | €-6k | ▼ 122% |
| Amounts payable17/49 | €68k | €42k | €33k | €52k | €108k | ▲ 107% |
| Amounts payable after more than one year17 | €12k | €27k | €5k | - | €28k | - |
| Financial debts170/4 | - | €27k | €5k | - | €28k | - |
| Amounts payable within one year42/48 | €56k | €15k | €28k | €52k | €80k | ▲ 52.7% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €25k | - |
| Financial debts43 | - | - | - | €10k | €4k | ▼ 55.8% |
| Credit institutions430/8 | - | - | - | €10k | €4k | ▼ 55.8% |
| Trade debts44 | €41k | €12k | €19k | €14k | €33k | ▲ 142% |
| Suppliers440/4 | - | €12k | €19k | €14k | €33k | ▲ 142% |
| Taxes, remuneration and social security45 | - | €2k | €8k | €29k | €16k | ▼ 43.0% |
| Taxes450/3 | - | €177 | €2k | €19k | €12k | ▼ 37.5% |
| Remuneration and social security454/9 | - | €2k | €6k | €10k | €5k | ▼ 53.5% |
| Other amounts payable47/48 | - | €26 | €548 | €28 | €977 | ▲ 3,382% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5k | €28k | €20k | €26k | €-31k | ▼ 220% |
| + Depreciation and write-downs630 | €2k | €1k | €2k | €2k | €4k | ▲ 50.6% |
| Operating cash flow (approximation) | €7k | €29k | €22k | €28k | €-28k | ▼ 197% |
| Investment in fixed assets (approximation) | - | €-6k | €-4k | €-4k | €-26k | ▼ 606% |
| Change in cash | - | €19k | €-19k | €-2k | €-3k | ▼ 82.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
29-07
State Gazette act
Appointment: Achkoud Fahim (bestuursfunctie)Resignations: Loukil Hammadi, Koussani Abdelwahed and AT2M CONSULTING SRL · Share transfer6 facts ▸
State Gazette act
Appointment: Achkoud Fahim (bestuursfunctie)
Resignations: Loukil Hammadi, Koussani Abdelwahed and AT2M CONSULTING SRL · Share transfer6 facts ▸
- General meeting, 11/07/2026
- Director appointment, Achkoud Fahim (bestuursfunctie)
- Director resignation, Loukil Hammadi (bestuursfunctie)
- Director resignation, Koussani Abdelwahed (bestuursfunctie)
- Director resignation, AT2M CONSULTING SRL (bestuursfunctie)
- Share transfer, Loukil Hammadi → Achkoud Fahim
2025
22-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 114 days late
2024
31-12
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series.
05-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 66 days late
2023
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 67 days late
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 2.32
Current ratio from 0.67 to 2.32; short-term debt falls from €56k to €15k.
07-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 68 days late
22-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 206 days late
2019
31-12
Financial
Highest result since 2018net €44k ▲2,497%
Net result €44k, the highest in the series.
16-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 47 days late
2018
24-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 85 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
13-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 44 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
Achkoud Fahim
CurrentBestuursfunctie · since 11-07-2026
11-07-2026
Achkoud Fahim: Appointed as Bestuursfunctie
11-07-2026
AT2M CONSULTING SRL: Resigned as Bestuursfunctie
11-07-2026
Koussani Abdelwahed: Resigned as Bestuursfunctie
11-07-2026
Loukil Hammadi: Resigned as Bestuursfunctie
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Kraainem · 1 establishment unit since 2009
Ground area
113 m²
Building footprint
91 m²
Volume, LiDAR
825 m³
Parcel 22002C0017/00M000, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Koningin Astridlaan 430, 1950 Kraainem
since 20092.179.270.690
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0017/00M000 | Flanders | 113 m² | 1 · 91 m² | 10.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Capital and shareholders
Shareholders according to the acts
Share transfer
act of 29-07-2026 ↗
- Loukil Hammadi to Achkoud Fahim 200 shares
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
Recognitions · licences · registrations
Food safety, FASFC
1 siteKraainem2.179.270.690
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,462. 8,077 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-09-2008
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
Scores and ratios are computed by Checked and are not a credit decision.