NOVA
ActiveSummary
NOVA has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3,832 and a net result of €1,670. Its solvency ranks better than 73% of 13,646 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Overview
- Equity
- €3,832
- Profit
- €1,670
Why 67raises riskFounded in 2024Size: total assets €5,549lowers riskFigures for financial year 2025 (filed 03-07-2026)Equity €3,832 (69.0% of total assets)Show the evidence
Checked score
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro): better than 74% on solvency, 40% on liquidity, 95% on profitability and 92% on growth.
The bankruptcy probability was computed on 27-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 2 accounts on average 2 days before the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Back to profitnet €1,670
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
2024 to 2025, 2 financial years
The operating result returns to profit in 2025: €1,758 after a loss of €2,789 in 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 46, Wholesale trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital.
Peer companies
Historical observationOf the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 95.8% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Gross operating margin9900 | -€2,789 | €1,758 | - |
| Operating profit (loss)9901 | -€2,789 | €1,758 | - |
| Financial income75/76B | €0 | - | - |
| Recurring financial income75 | €0 | - | - |
| Financial charges65/66B | €50 | €88 | ▲ 75.1% |
| Recurring financial charges65 | €50 | €88 | ▲ 75.1% |
| Profit (loss) for the period before taxes9903 | -€2,839 | €1,670 | - |
| Profit (loss) for the period9904 | -€2,839 | €1,670 | - |
| Profit (loss) for the period to be appropriated9905 | -€2,839 | €1,670 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €4,790 | €5,549 | ▲ 15.9% |
| Current assets29/58 | €4,790 | €5,549 | ▲ 15.9% |
| Amounts receivable within one year40/41 | €563 | €5,321 | ▲ 846% |
| Trade receivables40 | - | €3,025 | - |
| Other amounts receivable41 | €563 | €2,296 | ▲ 308% |
| Cash at bank and in hand54/58 | €2,227 | €228 | ▼ 89.8% |
| Deferred charges and accrued income490/1 | €2,000 | - | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €4,790 | €5,549 | ▲ 15.9% |
| Equity10/15 | €2,161 | €3,832 | ▲ 77.3% |
| Contributions10/11 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | -€2,839 | -€1,168 | ▲ 58.8% |
| Amounts payable17/49 | €2,629 | €1,718 | ▼ 34.7% |
| Amounts payable within one year42/48 | €2,629 | €1,718 | ▼ 34.7% |
| Trade debts44 | €1 | €229 | ▲ 229× |
| Suppliers440/4 | €1 | €229 | ▲ 229× |
| Taxes, remuneration and social security45 | €662 | €1,489 | ▲ 125% |
| Taxes450/3 | €662 | €1,489 | ▲ 125% |
| Other amounts payable47/48 | €1,966 | - | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€2,839 | €1,670 | - |
| Operating cash flow (approximation) | -€2,839 | €1,670 | - |
| Change in cash | - | -€1,999 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (2)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 03-07-2026 | 2026-00246926 |
| 31-12-2024 | micro format | 25-08-2025 | 2025-00396745 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| VERHAEGEN Luc |
|
Owners and capital
Capital and shareholders
- VERHAEGEN Luc 100 shares (100%) · €5,000
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 23-01-2024 Incorporation · €5,000 · 100 shares
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
23-01
Gazette deed
IncorporationAppointment: VERHAEGEN Luc (director) · Founder · Founding capital13 facts ▸
- Incorporation, “NOVA” (deed in Dutch)
- Founder, VERHAEGEN Luc
- Other provision, 19-01-2024
- Other provision, “hoofdelijke aansprakelijkheid oprichters bij ontoereikend aanvangsvermogen, faillissement uitgesproken binnen drie jaar na verkrijging rechtspersoonlijkheid” (deed in Dutch)
- Founding capital, €5,000
- Shareholding, 100, 100
- Bank account, “bijzondere rekening namens vennootschap in oprichting”, EUR (deed in Dutch)
- Other provision, “bevestiging deponering overeenkomstig Wetboek van vennootschappen en verenigingen”, 5000 (deed in Dutch)
- Other provision, “slot-en overgangsbepalingen uitwerking, overeenkomstig wet” (deed in Dutch)
- Registered office clause, “8980 Zonnebeke (Passendale),Nachtegaalstraat 4” (deed in Dutch)
- Board rule, 1
- Director appointment, VERHAEGEN Luc (director)
- +1 further fact in this act
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 33019B0604/00H000 | Flanders | 2,568 m² | 1 · 189 m² | 7.0 m · 2 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “De aan- & verkoop,import & export alsook de handelsbemiddeling in allerhande materialen & consumentenartikelen,o.a. door verkoop via…” (deed in Dutch)
5 activities (deed in Dutch)
- De aan- & verkoop,import & export alsook de handelsbemiddeling in allerhande materialen & consumentenartikelen,o.a. door verkoop via webportalen & via dropshipping;
- Begeleiding van ondernemingen op vlak van digitale marketing;online advertising;
- Verlenen van onderwijs en workshops;
- Zakelijke dienstverlening.
- Alle activiteiten als holding,patrimoniumvennootschap,management-vennootschap,adviseur op alle domeinen waarin zij competent is,en waarin zij actief mag zijn in overeenstemming met de wettelijke reglementering.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- NOVA
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Voor zover geen wijziging taalregime, Vlaams Gewest” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Artikel 15. Bevoegdheden van het bestuursorgaan §1. Als er slechts één bestuurder is, is het geheel van de bevoegdheden van de bestuurders…”
- Board ruleHow the board is made up, meets and takes decisions.
- “Bestuurders, 1” (deed in Dutch)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Op naam, aandelen” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Thursday of June at 15:00
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Vormen vereist voor statutenwijziging, beslissing algemene vergadering” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Bij ontbinding om welke reden en op welk ogenblik ook, recht algemene vergadering om één of meerdere vereffenaars aan te duiden,bevoegdheden…” (deed in Dutch)