Nourjam
ActiveThe computed 12-month bankruptcy probability of Nourjam is 4.4% (elevated). The 2024 annual accounts show equity of €35k and a net result of €5k. Equity is growing by ~27.3% per year across the filed fiscal years. Its solvency ranks better than 69% of 18941 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability77▼-14
Solvency76▲+11
Growth52=
Track record94
Bankruptcy probability, 12 months
4.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity ample (current ratio 1.69 against 1.65 in 2023; short-term debt: 21.1% and cash: 14.9% of total assets), and 48.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
51.2%
Return on assets
6.9%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-07-2025, 6 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
6 d early
2023
28 d early
2022
11 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€35k▲ 12.4%
2023 · €31k
2022: €18k
2023: €31k
2022 → 2024
Total assets
€68k▼ 11.3%
2023 · €76k
2022: €78k
2023: €76k
2022 → 2024
Net result
€5k▼ 66.3%
2023 · €14k
2022: €18k
2023: €14k
2022 → 2024
Working capital
€10k▼ 9.9%
2023 · €11k
2022: €2k
2023: €11k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€18k-€31k▲ 72.8%€35k▲ 12.4%
Operating result€25k-€20k▼ 18.4%€9k▼ 55.5%
Net result€18k-€14k▼ 23.9%€5k▼ 66.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 56% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €68k
Fixed assets
€44k▼ 10.1%
Current assets
€24k▼ 13.2%
Equity and liabilities €68k
Equity
€35k▲ 12.4%
Debt
€33k▼ 27.3%
The debt ratio falls from 59.5% to 48.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€23k▼
2023 · €32k
Cash flow
€18k▼
2023 · €26k
Solvency
51.2%▲
2023 · 40.5%
Current ratio
1.69▲
2023 · 1.65
Quick ratio
1.69▲
2023 · 1.65
Debt / equity
0.95▼
2023 · 1.47
ROE
13.4%▼
2023 · 44.8%
ROA
6.9%▼
2023 · 18.1%
Interest coverage
17.61▼
2023 · 19.51
Debt
€33k▼
2023 · €45k
Debt ≤ 1 year
€14k▼
2023 · €17k
Debt > 1 year
€19k▼
2023 · €29k
Income taxes
€3k▼
2023 · €5k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€76k€68k▼
Fixed assets21/28€49k€44k▼
Tangible fixed assets22/27€49k€44k▼
Plant, machinery and equipment23€8k€10k▲
Furniture and vehicles24€1k€6k▲
Leasing and similar rights25€39k€28k▼
Current assets29/58€28k€24k▼
Amounts receivable within one year40/41€14k€13k▼
Trade receivables40€6k€11k▲
Other amounts receivable41€8k€1k▼
Cash at bank and in hand54/58€12k€10k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€76k€68k▼
Equity10/15€31k€35k▲
Contributions10/11€500€500=
Profit (loss) carried forward14€30k€34k▲
Amounts payable17/49€45k€33k▼
Amounts payable after more than one year17€29k€19k▼
Financial debts170/4€29k€19k▼
Amounts payable within one year42/48€17k€14k▼
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Advances received on contracts in progress46€3k-
Taxes, remuneration and social security45-€989
Taxes450/3-€989
Other amounts payable47/48€2k€2k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€14k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€34k€24k▼
Operating profit (loss)9901€20k€9k▼
Financial income75/76B€62€0▼
Recurring financial income75€62€0▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€18k€8k▼
Income taxes67/77€5k€3k▼
Profit (loss) for the period9904€14k€5k▼
Profit (loss) for the period to be appropriated9905€14k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€35k▲
Profit (loss) brought forward from the previous period14P€17k€30k▲
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
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
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €5k ▼66.3%
Net result drops to €5k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Erpe-Mere · 1 establishment unit since 2022
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.
Hagenstraat 119420 Erpe-MereGround area
453 m²
Building footprint
180 m²
Volume, LiDAR
773 m³
Parcel 41040B0553/00L000, Flanders · tallest building 9.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Nourjam
since 20222.329.691.362
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41040B0553/00L000 | Flanders | 453 m² | 1 · 180 m² | 9.2 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteErpe-Mere2.329.691.362
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Of 21,911 companies in sector 56112 we hold annual accounts for 9,783. 8,436 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-03-2022
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:nourjam.mere@gmail.com