Equity
NOVA BLEX has made a profit in every financial year since 2023.
NOVA BLEX has made a profit in every financial year since 2023.
The micro format states no turnover.
In 2025, 1 person joined and nobody left.
Short-term debts rose from €9,345 to €18,932.
The 2025 accounts came latest: 28 days after the end of the period.
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 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 41, micro). It does better than 76% of them on solvency, 87% on liquidity, 91% on profitability and 92% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 39,278 companies had the same profile as NOVA BLEX has now. Each dot stands for 99 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of NOVA BLEX itself: 1.3% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for NOVA BLEX. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is ample, with a current ratio of 2.65 (1.49 in 2024), above the usual 1.5. Short-term debt is 32.8% and cash 68.2% of total assets. 32.8% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 3 accounts on average 17 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| NOVA BLEX Dilbeek | €57,728 | €58,154 | 67.2% | - |
| Entreprise Générale GB Dilbeek | €55,173 | €51,246 | 61.1% | - |
| A&E Rénovation Sint-Genesius-Rode | €60,941 | €55,700 | 59.2% | - |
| KR SANITAIR BV Herent | €49,784 | €57,555 | 70.0% | - |
| TISMAN CONSTRUCT Zaventem | €61,992 | €66,466 | 35.2% | - |
| BELRO CONSTRUCT Asse | €49,171 | €49,933 | 79.8% | - |
| IMM GROUP Wezembeek-Oppem | €56,494 | €54,922 | 73.3% | - |
These companies have the same main activity as NOVA BLEX: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €49,200 and €62,000, founded between 2022 and 2023.
NOVA BLEX files the micro format. That format states no turnover. The gross margin rose from €40,525 in 2023 to €58,154 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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