Financials
- Fiscal year
- 2025
- Total assets
- €5,000
- Loss
- -€977
- Solvency
- 80.5%
NOUR EXPRESS & SERVICES
ActiveSummary
The computed 12-month bankruptcy probability of NOUR EXPRESS & SERVICES is 4.1% (elevated). The 2025 annual accounts show equity of €4,023 and a net result of -€977. Its solvency ranks better than 88% of 5218 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Other building cleaning and industrial cleaning
NACE 81220General cleaning of buildings NACE 81210
1 site
Size
€5,000total assets 2025
- Equity
- €4,023
- Loss
- -€977
Turnover not published (abridged schema)
Structure
- Board
- 1 member
Accounts filed 12 d late1 of 2 deeds read
Why 49- Founded in 2024- Liquidity: current ratio 5.12- 1 change of registered office in 24 months+ Figures for FY 2025 (filed 12-08-2026)Show the evidence
Checked score
Score 2025
49
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 62% of its sector peers (NACE 81, micro)
Performance against the sector, not lower risk
Financial strength
Strong
Solvency
100
equity 80.5% of total assets
Liquidity
88
short-term debt 19.5%
Profitability
0
return on assets -19.5%
Bankruptcy probability, 12 months
4.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 3.3%
02-2026: 3.3%▲ +2.6% vs 01-2026
03-2026: 3.4%▲ +2.0% vs 02-2026
04-2026: 2.5%▼ -26.3% vs 03-2026lowest value
05-2026: 2.5%▲ +0.4% vs 04-2026
06-2026: 2.8%▲ +11.4% vs 05-2026
07-2026: 5.3%▲ +89.2% vs 06-2026
08-2026: 5.4%▲ +2.0% vs 07-2026highest value
09-2026: 4.1%▼ -24.2% vs 08-2026
10-2026: 4.1%▲ +0.6% vs 09-2026
- Founded in 2024 raises the probability for this profile
- Liquidity: current ratio 5.12 raises the probability
- 1 change of registered office in 24 months raises the probability
- Figures for FY 2025 (filed 12-08-2026) lowers the probability
No publishable credit limit; credit only on tighter terms
Liquidity ample (current ratio 5.12; short-term debt: 19.5% of total assets), and 19.5% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 81, micro). Better than this share of them on solvency 92%, liquidity 89%, profitability 4%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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 · 1 filingDeviation from the deadline
2025
12 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
- Resignation: EL QUARIACHI Noureddine (director)Appointment: CHAUDHRY Anoosha Salmaan (director)…
Key points
By topic
Board & ownership
- Board
- 1 member
Go to Board & ownership
Timeline
- Events
- 2
- Since
- 2026
- 12-08-2026Annual accounts filed
- 03-06-2026Resignation: EL QUARIACHI Noureddine (director)
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Other building cleaning and industrial cleaningNACE 81220
- Founded
- 10-12-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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