NOVA IDEA
ActiveThe computed 12-month bankruptcy probability of NOVA IDEA is 1.5% (moderate). The 2025 annual accounts show equity of €348k and a net result of €24k. Equity is growing by ~25% per year across the filed fiscal years. Its solvency ranks better than 81% of 7655 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▼-66
Solvency100▲+10
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 1.54 in 2024), and 27.8% 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.
−lowers risk+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
72.2%
Return on assets
4.9%
Age of the figures
11 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 05-05-2026, 5 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 · 6 filingsDeviation from the deadline
2025
5 d late
2024
on the day
2023
on the day
2022
1 d late
2021
11 d late
2020
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
11-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.91M
EBIT margin
5.1%
Net result
€24k▼ 70.6%
2024 · €81k
2020: €79k
2021: €91k
2022: €70k
2023: €17k
2024: €81k
2020 → 2025
Working capital
€151k▲ 143%
2024 · €62k
2020: €-28k
2021: €-77k
2022: €16k
2023: €56k
2024: €62k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€176k-€247k▲ 39.7%€264k▲ 6.9%€344k▲ 30.7%€348k▲ 1.1%
Operating result€116k-€95k▼ 18.5%€29k▼ 69.9%€124k▲ 333%€40k▼ 67.5%
Net result€91k-€70k▼ 23.3%€17k▼ 75.6%€81k▲ 373%€24k▼ 70.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 68% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €482k
Fixed assets
€197k▼ 30.2%
Current assets
€285k▲ 61.7%
Equity and liabilities €482k
Equity
€348k▲ 1.1%
Debt
€134k▲ 17.3%
The debt ratio rises from 24.9% to 27.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€146k▼
2024 · €216k
Cash flow
€130k▼
2024 · €173k
Solvency
72.2%▼
2024 · 75.1%
Current ratio
2.13▲
2024 · 1.54
Quick ratio
2.10▲
2024 · 1.51
Debt / equity
0.38▲
2024 · 0.33
ROE
6.8%▼
2024 · 23.5%
ROA
4.9%▼
2024 · 17.6%
Interest coverage
836.03▼
2024 · 845.46
Debt
€134k▲
2024 · €114k
Debt ≤ 1 year
€134k▲
2024 · €114k
Income taxes
€19k▼
2024 · €43k
Staff costs
€264k▲
2024 · €257k
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€459k€482k▲
Fixed assets21/28€282k€197k▼
Tangible fixed assets22/27€282k€197k▼
Plant, machinery and equipment23€77k€31k▼
Furniture and vehicles24€205k€167k▼
Current assets29/58€176k€285k▲
Stocks and contracts in progress3€3k€3k▼
Stocks30/36€3k€3k▼
Amounts receivable within one year40/41€169k€264k▲
Trade receivables40€165k€217k▲
Other amounts receivable41€4k€47k▲
Cash at bank and in hand54/58€4k€14k▲
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€459k€482k▲
Equity10/15€344k€348k▲
Contributions10/11€6k€6k=
Reserves13€246k€250k▲
Distributable reserves133€246k€250k▲
Profit (loss) carried forward14€92k€93k▲
Amounts payable17/49€114k€134k▲
Amounts payable within one year42/48€114k€134k▲
Trade debts44€53k€78k▲
Suppliers440/4€53k€78k▲
Taxes, remuneration and social security45€49k€36k▼
Taxes450/3€43k€19k▼
Remuneration and social security454/9€6k€17k▲
Other amounts payable47/48€13k€20k▲
Income statement
Code20242025
Remuneration, social security and pensions62€257k€264k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€93k€106k▲
Other operating charges640/8€12k€8k▼
Gross operating margin9900€486k€418k▼
Operating profit (loss)9901€124k€40k▼
Financial income75/76B€74€3k▲
Recurring financial income75€74€3k▲
Financial charges65/66B€256€175▼
Recurring financial charges65€256€175▼
Profit (loss) for the period before taxes9903€124k€43k▼
Income taxes67/77€43k€19k▼
Profit (loss) for the period9904€81k€24k▼
Profit (loss) for the period to be appropriated9905€81k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€142k€116k▼
Profit (loss) brought forward from the previous period14P€61k€92k▲
Transfer from equity791/2-€20k
Transfer to equity691/2€50k€24k▼
To other reserves6921€50k€24k▼
Profit to be distributed694/7-€20k
Return on contributions (dividend)694-€20k
Social balance
Average headcount (FTE)90874.04.9▲
The notes to these accounts (5 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
05-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 5 days late
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €17k ▼75.6%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
01-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
30-09
Financial
Equity above €200kEq €247k ▲39.7%
3 profitable years in a row build equity to €247k.
11-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
30-09
Financial
Highest result since 2020net €91k ▲15.6%
Net result €91k, the highest in the series.
30-09
Financial
Equity above €150kEq €176k ▲107%
2 profitable years in a row build equity to €176k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Gent · 1 establishment unit since 2019
Ground area
1,633 m²
Building footprint
370 m²
Volume, LiDAR
1,616 m³
Parcel 44038A0589/00M005, Flanders · tallest building 7.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
NOVA IDEA
since 20192.284.748.391
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44038A0589/00M005 | Flanders | 1,633 m² | 1 · 370 m² | 7.9 m · 1 fl. |
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.
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B.G. TERRASSEMENTS
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Of 29,533 companies in sector 41001 we hold annual accounts for 15,863. 10,413 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-2019
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
43310Plastering work
43320Joinery installation
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.