Nova Distribution
ActiveSummary
The computed 12-month bankruptcy probability of Nova Distribution is 2.4% (moderate). The 2025 annual accounts show equity of €23,967 and a net result of -€20,238. Equity is growing by ~19.6% per year across the filed fiscal years. Its solvency ranks better than 34% of 18606 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability5▼-30
Solvency40▼-6
Growth52=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.14 against 1.27 in 2024; short-term debt: 84.6% and cash: 7.1% of total assets), and 84.6% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% 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 2025Solvency, return and age of the figures
Solvency
15.4%
Return on assets
-13%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year -€20,238
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-09-2026, 55 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 · 5 filingsDeviation from the deadline
2025
55 d late
2024
69 d late
2023
113 d late
2022
70 d late
2021
36 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 69 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€23,967▼ 45.8%
2024 · €44,205
Total assets
€156,058▼ 25.3%
2024 · €208,856
Net result
-€20,238▼ 779%
2024 · -€2,302
Working capital
€18,109▼ 59.0%
2024 · €44,205
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€351-€5,028€58,567▲ 1,065%€18▼ 100.0%-€43,678
Net result-€432within the sector's middle half-€3,958within the sector's middle half€36,981above the sector's middle half▲ 834%-€2,302within the sector's middle half-€20,238below the sector's middle half▼ 779%
Equity€5,568within the sector's middle half-€9,526within the sector's middle half▲ 71.1%€46,508within the sector's middle half▲ 388%€44,205within the sector's middle half▼ 5.0%€23,967within the sector's middle half▼ 45.8%
Total assets€158,999within the sector's middle half-€69,422within the sector's middle half▼ 56.3%€309,765within the sector's middle half▲ 346%€208,856within the sector's middle half▼ 32.6%€156,058within the sector's middle half▼ 25.3%
Debt€153,431-€59,895▼ 61.0%€263,258▲ 340%€164,650▼ 37.5%€132,090▼ 19.8%
Working capital€5,568within the sector's middle half-€9,526within the sector's middle half▲ 71.1%€46,508within the sector's middle half▲ 388%€44,205within the sector's middle half▼ 5.0%€18,109within the sector's middle half▼ 59.0%
Solvency3.5%below the sector's middle half-13.7%within the sector's middle half▲ 10.2pp15.0%within the sector's middle half▲ 1.3pp21.2%within the sector's middle half▲ 6.2pp15.4%within the sector's middle half▼ 5.8pp
Current ratio1.04within the sector's middle half-1.16within the sector's middle half▲ 0.121.18within the sector's middle half▲ 0.021.27within the sector's middle half▲ 0.091.14within the sector's middle half▼ 0.13
Return on assets (ROA)-0.3%within the sector's middle half-5.7%within the sector's middle half▲ 6.0pp11.9%above the sector's middle half▲ 6.2pp-1.1%within the sector's middle half▼ 13.0pp-13.0%below the sector's middle half▼ 11.9pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
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 2025: a loss of €43,678 after €18 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €156,058
Fixed assets
€5,858
Current assets
€150,200
Equity and liabilities €156,058
Equity
€23,967 ▼ 45.8%
Debt
€132,090 ▼ 19.8%
Debt's share of the balance-sheet total rises from 78.8% to 84.6%. Equity and debt are lower.
Key figures and ratios
Quick ratio
0.88▼
2024 · 0.92
Debt to equity
5.51▲
2024 · 3.72
ROE
-84.4%▼
2024 · -5.2%
Debt ≤ 1 year
€132,090▼
2024 · €164,650
Income taxes
€77▲
2024 · -€104
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,135 companies that looked in July 2024 the way this one looks now, 5.9% went bankrupt within 24 months and 86% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
5.9%
went bankrupt
6.5%
stopped otherwise
86%
still going
A further 1.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.4% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 1,135 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,033 | - | - | - | - | - |
| Other operating charges640/8 | - | - | €3,432 | - | €797 | - |
| Gross operating margin9900 | €682 | €5,028 | €61,998 | €18 | -€42,881 | ▼ 242,093% |
| Operating profit (loss)9901 | -€351 | €5,028 | €58,567 | €18 | -€43,678 | ▼ 246,591% |
| Financial income75/76B | - | €0 | €3,149 | €17,231 | €53,703 | ▲ 212% |
| Recurring financial income75 | - | €0 | €3,149 | €17,231 | €53,703 | ▲ 212% |
| Financial charges65/66B | €81 | €58 | €14,631 | €19,654 | €30,186 | ▲ 53.6% |
| Recurring financial charges65 | €81 | €58 | €14,631 | €19,654 | €30,186 | ▲ 53.6% |
| Profit (loss) for the period before taxes9903 | -€432 | €4,969 | €47,085 | -€2,406 | -€20,161 | ▼ 738% |
| Income taxes67/77 | - | €1,011 | €10,103 | -€104 | €77 | ▲ 174% |
| Profit (loss) for the period9904 | -€432 | €3,958 | €36,981 | -€2,302 | -€20,238 | ▼ 779% |
| Profit (loss) for the period to be appropriated9905 | -€432 | €3,958 | €36,981 | -€2,302 | -€20,238 | ▼ 779% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €158,999 | €69,422 | €309,765 | €208,856 | €156,058 | ▼ 25.3% |
| Fixed assets21/28 | - | - | - | - | €5,858 | - |
| Financial fixed assets28 | - | - | - | - | €5,858 | - |
| Current assets29/58 | €158,999 | €69,422 | €309,765 | €208,856 | €150,200 | ▼ 28.1% |
| Stocks and contracts in progress3 | €3,785 | €28,448 | €50,527 | €57,888 | €33,724 | ▼ 41.7% |
| Stocks30/36 | €3,785 | €28,448 | €50,527 | €57,888 | €33,724 | ▼ 41.7% |
| Amounts receivable within one year40/41 | €138,857 | €40,974 | €229,952 | €139,657 | €105,393 | ▼ 24.5% |
| Trade receivables40 | €111,606 | €20,570 | €174,503 | €73,280 | €67,084 | ▼ 8.5% |
| Other amounts receivable41 | €27,252 | €20,403 | €55,449 | €66,376 | €38,310 | ▼ 42.3% |
| Cash at bank and in hand54/58 | €16,357 | - | €29,287 | €11,311 | €11,082 | ▼ 2.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €158,999 | €69,422 | €309,765 | €208,856 | €156,058 | ▼ 25.3% |
| Equity10/15 | €5,568 | €9,526 | €46,508 | €44,205 | €23,967 | ▼ 45.8% |
| Contributions10/11 | €6,000 | €6,000 | €6,000 | €6,000 | €6,000 | = |
| Profit (loss) carried forward14 | -€432 | €3,526 | €40,508 | €38,205 | €17,967 | ▼ 53.0% |
| Amounts payable17/49 | €153,431 | €59,895 | €263,258 | €164,650 | €132,090 | ▼ 19.8% |
| Amounts payable within one year42/48 | €153,431 | €59,895 | €263,258 | €164,650 | €132,090 | ▼ 19.8% |
| Financial debts43 | - | €6,331 | €45,532 | - | - | - |
| Credit institutions430/8 | - | €6,331 | €45,532 | - | - | - |
| Trade debts44 | €153,431 | €48,941 | €83,540 | €66,748 | €62,487 | ▼ 6.4% |
| Suppliers440/4 | €153,431 | €48,941 | €83,540 | €66,748 | €62,487 | ▼ 6.4% |
| Taxes, remuneration and social security45 | - | €4,623 | €14,430 | €13,536 | €2,989 | ▼ 77.9% |
| Taxes450/3 | - | €4,623 | €14,430 | €13,536 | €2,989 | ▼ 77.9% |
| Other amounts payable47/48 | - | - | €119,755 | €84,365 | €66,614 | ▼ 21.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€432 | €3,958 | €36,981 | -€2,302 | -€20,238 | ▼ 779% |
| + Depreciation and write-downs630 | €1,033 | - | - | - | - | - |
| Operating cash flow (approximation) | €601 | €3,958 | €36,981 | -€2,302 | -€20,238 | ▼ 779% |
| Change in cash | - | - | - | -€17,976 | -€228 | ▲ 98.7% |
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
Next filing, fiscal year 2026, expected by
2026
24-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 55 days late
2025
31-12
Financial
Weakest financial yearnet -€20,238
Net result drops to -€20,238, the lowest in the series.
08-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 69 days late
2024
21-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 113 days late
2023
31-12
Financial
Highest result since 2021net €36,981 ▲834%
Operating result €58,567, net result €36,981, both a record.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-12
Financial
Back to profitnet €3,958
Net result €3,958 after one loss-making year.
05-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 36 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Gembloux · 1 establishment unit since 2021
Ground area
216 m²
Building footprint
106 m²
Parcel 92053D0177/00B008, Wallonia. Linked by address, not a title deed.
1 establishment unit
Nova Distribution
since 20212.318.992.361
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92053D0177/00B008 | Wallonia | 216 m² | 1 · 106 m² | - |
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.
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Of 3,223 companies in sector 47400 we hold annual accounts for 1,808. 1,258 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
Founded22-06-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47400Retail sale of information and communication equipment
46180Agents specialised in the wholesale of other particular products
46431Wholesale of electrical household appliances and audio-video equipment
46497Wholesale trade
46499Wholesale of other household goods
47640Retail sale of games and toys
E-invoicing
Reachable via Peppol
Peppol ID
0208:0769954821
Registered
27-03-2026
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.