Summary
Nova Fin is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €55.4m and a net result of €785,991. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 92% of 2413 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-04-2026, 92 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
92 d early
2024
55 d early
2023
1 d early
2022
32 d late
2021
20 d early
← 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 27 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Equity
€55.4m▲ 1.4%
2024 · €54.6m
Net result
€785,991▼ 67.5%
2024 · €2.4m
Total assets
€56.1m▲ 2.4%
2024 · €54.8m
Solvency
98.8%▼ 1.0pp
2024 · 99.7%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€358,693--€467,501▼ 30.3%-€730,951▼ 56.4%-€816,967▼ 11.8%-€905,111▼ 10.8%
Net result-€302,055-€951,042€1.6m▲ 64.3%€2.4m▲ 54.7%€785,991▼ 67.5%
Equity€48.7m-€50.6m▲ 4.0%€52.2m▲ 3.1%€54.6m▲ 4.6%€55.4m▲ 1.4%
Total assets€48.8m-€51.0m▲ 4.4%€52.6m▲ 3.2%€54.8m▲ 4.2%€56.1m▲ 2.4%
Debt€105,361-€303,856▲ 188%€373,612▲ 23.0%€152,154▼ 59.3%€698,698▲ 359%
Working capital€44.8m-€44.7m▼ 0.2%€46.4m▲ 3.9%€47.1m▲ 1.5%€48.4m▲ 2.8%
Solvency99.8%-99.4%▼ 0.4pp99.3%▼ 0.1pp99.7%▲ 0.4pp98.8%▼ 1.0pp
Staff (FTE)000
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €905,111 in 2025 against €816,967 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €56.1m
Fixed assets
€7.0m ▼ 6.8%
Current assets
€49.1m ▲ 3.9%
Equity and liabilities €56.1m
Equity
€55.4m ▲ 1.4%
Debt
€698,698 ▲ 359%
Debt's share of the balance-sheet total rises from 0.3% to 1.2%. Equity and debt are higher.
Key figures and ratios
ROE
1.4%▼
2024 · 4.4%
ROA
1.4%▼
2024 · 4.4%
Debt ≤ 1 year
€698,698▲
2024 · €152,154
Income taxes
€524,688
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,251 | €0 | - | - | - | - |
| Other operating charges640/8 | €222,286 | €309,122 | €516,593 | €630,520 | €677,838 | ▲ 7.5% |
| Gross operating margin9900 | -€125,157 | -€158,379 | -€214,358 | -€186,448 | -€227,273 | ▼ 21.9% |
| Operating profit (loss)9901 | -€358,693 | -€467,501 | -€730,951 | -€816,967 | -€905,111 | ▼ 10.8% |
| Financial income75/76B | €1.6m | €4.3m | €5.1m | €6.8m | €3.5m | ▼ 49.6% |
| Recurring financial income75 | €1.6m | €4.3m | €5.1m | €6.8m | €3.5m | ▼ 49.6% |
| Financial charges65/66B | €1.5m | €2.7m | €2.8m | €3.6m | €1.2m | ▼ 65.8% |
| Recurring financial charges65 | €1.5m | €2.7m | €615,607 | €1.8m | -€1.5m | ▼ 184% |
| Non-recurring financial charges66B | - | - | €2.2m | €1.8m | €2.8m | ▲ 54.2% |
| Profit (loss) for the period before taxes9903 | -€302,055 | €1.1m | €1.6m | €2.4m | €1.3m | ▼ 45.8% |
| Income taxes67/77 | - | €188,979 | €0 | - | €524,688 | - |
| Profit (loss) for the period9904 | -€302,055 | €951,042 | €1.6m | €2.4m | €785,991 | ▼ 67.5% |
| Profit (loss) for the period to be appropriated9905 | -€302,055 | €951,042 | €1.6m | €2.4m | €785,991 | ▼ 67.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €48.8m | €51.0m | €52.6m | €54.8m | €56.1m | ▲ 2.4% |
| Fixed assets21/28 | €4.0m | €6.0m | €5.8m | €7.5m | €7.0m | ▼ 6.8% |
| Financial fixed assets28 | €4.0m | €6.0m | €5.8m | €7.5m | €7.0m | ▼ 6.8% |
| Current assets29/58 | €44.8m | €45.0m | €46.8m | €47.3m | €49.1m | ▲ 3.9% |
| Amounts receivable within one year40/41 | - | - | - | - | €5,105 | - |
| Trade receivables40 | - | - | - | - | €5,105 | - |
| Current investments50/53 | €40.3m | €43.4m | €45.9m | €46.7m | €48.3m | ▲ 3.4% |
| Cash at bank and in hand54/58 | €4.5m | €1.6m | €902,943 | €604,220 | €853,015 | ▲ 41.2% |
| Deferred charges and accrued income490/1 | €129 | €69 | €8 | €197 | €150 | ▼ 24.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €48.8m | €51.0m | €52.6m | €54.8m | €56.1m | ▲ 2.4% |
| Equity10/15 | €48.7m | €50.6m | €52.2m | €54.6m | €55.4m | ▲ 1.4% |
| Contributions10/11 | €49.0m | €50.0m | €50.0m | €50.0m | €50.0m | = |
| Profit (loss) carried forward14 | -€302,055 | €648,987 | €2.2m | €4.6m | €5.4m | ▲ 17.0% |
| Amounts payable17/49 | €105,361 | €303,856 | €373,612 | €152,154 | €698,698 | ▲ 359% |
| Amounts payable within one year42/48 | €47,075 | €296,856 | €373,612 | €152,154 | €698,698 | ▲ 359% |
| Financial debts43 | - | - | €1,168 | €0 | - | - |
| Credit institutions430/8 | - | - | €1,168 | €0 | - | - |
| Trade debts44 | €22,075 | €100,924 | €145,012 | €144,505 | €174,010 | ▲ 20.4% |
| Suppliers440/4 | €22,075 | €100,924 | €145,012 | €144,505 | €174,010 | ▲ 20.4% |
| Taxes, remuneration and social security45 | €25,000 | €195,933 | €227,433 | €7,649 | €524,688 | ▲ 6,760% |
| Taxes450/3 | €6,760 | €195,933 | €227,433 | €7,649 | €524,688 | ▲ 6,760% |
| Remuneration and social security454/9 | €18,240 | €0 | - | - | - | - |
| Accrued charges and deferred income492/3 | €58,286 | €7,000 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€302,055 | €951,042 | €1.6m | €2.4m | €785,991 | ▼ 67.5% |
| + Depreciation and write-downs630 | €11,251 | €0 | - | - | - | - |
| Operating cash flow (approximation) | -€290,804 | €951,042 | €1.6m | €2.4m | €785,991 | ▼ 67.5% |
| Investment in fixed assets (approximation) | - | -€2.0m | €200,000 | -€1.7m | €510,000 | ▲ 130% |
| Change in cash | - | -€3.0m | -€648,686 | -€298,723 | €248,796 | ▲ 183% |
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
17-06
State Gazette act
Legal-form change · Resignations & appointments · RestructuringResignations: Pierre BONIFACE, Laurent JACQUEMIN and Simone SARACHINI · Appointments: Simone SARACHINI, Laurent JACQUEMIN and Sergio VANDI · Legal-form conversion17 facts ▸
State Gazette act
Legal-form change · Resignations & appointments · Restructuring
Resignations: Pierre BONIFACE, Laurent JACQUEMIN and Simone SARACHINI · Appointments: Simone SARACHINI, Laurent JACQUEMIN and Sergio VANDI · Legal-form conversion17 facts ▸
- General meeting, 30-04-2026
- Legal-form conversion, Société à responsabilité limitée de droit luxembourgeois
- Registered-office move, 1A Heienhaff, L-1736 Senningerberg, Niederanven (Grand-Duché de Luxembourg)
- Purpose change, Modification de l'objet de la Société sous la condition suspensive de et avec effet à la Date d'Effet de la Transformation Transfrontalière.
- Statutes amendment
- Director resignation, Pierre BONIFACE (director)
- Director resignation, Laurent JACQUEMIN (director)
- Director resignation, Simone SARACHINI (director)
- Director appointment, Simone SARACHINI (manager)
- Director appointment, Laurent JACQUEMIN (manager)
- Director appointment, Sergio VANDI (manager)
- Power of attorney, Julien BOGAERTS
- +5 further facts in this act
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2021net €2.4m ▲54.7%
Net result €2.4m, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 310.68
Current ratio from 125.22 to 310.68; short-term debt falls from €373,612 to €152,154.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 32 days late
2022
31-12
Financial
Back to profitnet €951,042
Net result €951,042 after one loss-making year.
31-12
Financial
Equity above €50mEq €50.6m ▲4%
Equity rises from €48.7m to €50.6m.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 10 acts read
About the unread acts
Of the 10 Belgian State Gazette acts we know for this company, 1 has been read. The other 9 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
under verification, last change in 2026
This board is reconstructed from a single act (26077269). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Laurent JACQUEMIN
CurrentManager · since 30-04-2026
Sergio VANDI
CurrentManager · since 30-04-2026
Simone SARACHINI
CurrentManager · since 30-04-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
9 of this company's 10 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Senningerberg · 1 establishment unit since 2020
Cannot be placed on the map
The registered office is abroad (Luxembourg). The address register our map runs on (BOSA BEST) covers Belgian addresses only.
Heienhaff 1a1736 SenningerbergLuxembourgGround area
1.6 ha
Building footprint
1,623 m²
Volume, LiDAR
16,708 m³
Parcel 21384D0004/00M003, Brussels · tallest building 18.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Nova Fin
since 20202.308.512.106
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21384D0004/00M003 | Brussels | 1.6 ha | 1 · 1,623 m² | 18.4 m · 4 fl. |
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.
Mandate history
4 people since 2026, 3 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Laurent JACQUEMIN |
|
| Sergio VANDI |
|
| Simone SARACHINI |
|
| Pierre BONIFACE |
|
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
100%
According to the 2025 annual accounts of Nova Fin and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
2 connected companiesThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Linked via shared directors
Croix-Rouge de Belgique - Communauté francophone - Activités internationales
via Laurent JACQUEMIN · Directeur général
→
BNP PARIBAS ASSET MANAGEMENT Real Assets Belgium
via Laurent JACQUEMIN · Director and managing director
former→
Recognitions · licences · registrations
Legal Entity Identifier
98450091B0709CE73989
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 2,540 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formForeign entity
Founded09-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0755927037
Also
9925:BE0755927037
Registered
18-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.