NOVA holding
ActiveThe computed 12-month bankruptcy probability of NOVA holding is 2.5% (moderate). The 2025 annual accounts show equity of €452k and a net result of €-95k. Equity is growing by ~50.4% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability32▼-4
Solvency35▼-2
Growth52=
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days only on tighter terms
Liquidity short (current ratio 0.0 against 0.08 in 2024; short-term debt: 36.1% and cash: 0.1% of total assets), and 90.3% of the assets are financed with debt.
Credit advice for your own amount and term
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 · 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 €-95k
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 19-05-2026, 73 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
73 d early
2024
106 d early
2023
21 d early
2022
12 d early
2021
61 d early
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€452k▼ 17.3%
2024 · €547k
2021: €93k
2022: €236k
2023: €582k
2024: €547k
2021 → 2025
Total assets
€4.64M▼ 1.5%
2024 · €4.71M
2021: €4.73M
2022: €4.73M
2023: €4.73M
2024: €4.71M
2021 → 2025
Net result
€-95k▼ 172%
2024 · €-35k
2021: €-7k
2022: €143k
2023: €346k
2024: €-35k
2021 → 2025
Working capital
€-1.67M▼ 92.0%
2024 · €-872k
2021: €-61k
2022: €-270k
2023: €-399k
2024: €-872k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€93k-€236k▲ 153%€582k▲ 147%€547k▼ 6.0%€452k▼ 17.3%
Operating result€1k-€-2k€2k€19k▲ 1,031%€18k▼ 6.2%
Net result€-7k-€143k€346k▲ 143%€-35k€-95k▼ 172%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.64M
Fixed assets
€4.64M=
Current assets
€4k▼ 94.4%
Equity and liabilities €4.64M
Equity
€452k▼ 17.3%
Debt
€4.19M▲ 0.6%
The debt ratio rises from 88.4% to 90.3%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
9.7%▼
2024 · 11.6%
Current ratio
0.00▼
2024 · 0.08
Quick ratio
0.00▼
2024 · 0.08
Debt / equity
9.26▲
2024 · 7.61
ROE
-21.0%▼
2024 · -6.4%
ROA
-2.0%▼
2024 · -0.7%
Debt
€4.19M▲
2024 · €4.17M
Debt ≤ 1 year
€1.68M▲
2024 · €945k
Debt > 1 year
€2.51M▼
2024 · €3.19M
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€4.71M€4.64M▼
Fixed assets21/28€4.64M€4.64M=
Financial fixed assets28€4.64M€4.64M=
Current assets29/58€73k€4k▼
Amounts receivable after more than one year29€61k€0▼
Other amounts receivable291€61k€0▼
Amounts receivable within one year40/41-€255
Other amounts receivable41-€255
Cash at bank and in hand54/58€13k€4k▼
Equity and liabilities
Total equity and liabilities10/49€4.71M€4.64M▼
Equity10/15€547k€452k▼
Contributions10/11€100k€100k=
Reserves13€482k€352k▼
Distributable reserves133€482k€352k▼
Profit (loss) carried forward14€-35k€0▲
Amounts payable17/49€4.17M€4.19M▲
Amounts payable after more than one year17€3.19M€2.51M▼
Financial debts170/4€3.19M€2.51M▼
Amounts payable within one year42/48€945k€1.68M▲
Current portion of amounts payable after more than one year42€934k€1.68M▲
Trade debts44€569€1k▲
Suppliers440/4€569€1k▲
Taxes, remuneration and social security45€11k€0▼
Taxes450/3€11k€0▼
Other amounts payable47/48€5€5=
Accrued charges and deferred income492/3€32k€0▼
Income statement
Code20242025
Other operating charges640/8€1k€1k▼
Gross operating margin9900€20k€19k▼
Operating profit (loss)9901€19k€18k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€54k€113k▲
Recurring financial charges65€54k€113k▲
Profit (loss) for the period before taxes9903€-35k€-95k▼
Income taxes67/77€0-
Profit (loss) for the period9904€-35k€-95k▼
Profit (loss) for the period to be appropriated9905€-35k€-95k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-35k€-130k▼
Profit (loss) brought forward from the previous period14P-€-35k
Transfer from equity791/2-€130k
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-95k
Net result drops to €-95k, the lowest in the series.
16-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2021net €346k ▲143%
Net result €346k, the highest in the series.
31-12
Financial
Equity above €500kEq €582k ▲147%
2 profitable years in a row build equity to €582k.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €143k
Net result €143k after one loss-making year.
31-12
Financial
Equity above €200kEq €236k ▲153%
Equity rises from €93k to €236k.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are 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, Ternat · 1 establishment unit since 2021
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.
Assesteenweg 711740 TernatGround area
3,851 m²
Building footprint
397 m²
Volume, LiDAR
2 m³
Parcel 23086B0224/00H000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
NOVA holding
since 20212.313.488.897
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23086B0224/00H000 | Flanders | 3,851 m² | 1 · 397 m² | 0.1 m |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 5,003 EUR awarded · 5,003 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 5,003 EUR | 5,003 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-02-2021
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:tomtorfs74@gmail.com