Financials
- Fiscal year
- 2025
- Total assets
- €132,271
- Loss
- -€1,472
- Solvency
- 9.2%
Total assets▼ 10.8%
Net result
20242025
NOVA LUXURY
ActiveSummary
NOVA LUXURY has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12,229 and a net result of -€1,472. Its solvency ranks better than 29% of 20110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Overview
What they do
Retail sale of watches and jewellery
NACE 47770
1 site
How big
€132,271total assets 2025
- Equity
- €12,229
- Loss
- -€1,472
Turnover not published (abridged schema)
Who decides
Accounts 23 d early0 of 1 deed read
Why 62- Founded in 2024- Equity €12,229 (9.2% of total assets)- Sector Retail trade (NACE 47)+ Liquidity: current ratio 1.10, cash €31,836Show the evidence
Checked score
Score 2025
62
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 26% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
34=
equity 9.2% of total assets
Liquidity
30+19
short-term debt 90.8% · cash 24.1%
Profitability
35-17
return on assets -1.1%
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 3 months
08-2026: 1.5%highest value
09-2026: 1.5%▼ -1.3% vs 08-2026
10-2026: 1.5%▼ -1.5% vs 09-2026lowest value
- Founded in 2024 raises the probability for this profile
- Liquidity: current ratio 1.10, cash €31,836 lowers the probability
- Equity €12,229 (9.2% of total assets) raises the probability
- Sector Retail trade (NACE 47) raises the probability
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.1 against 1.1 in 2024; short-term debt: 90.8% and cash: 24.1% of total assets), and 90.8% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 26%, liquidity 27%, profitability 27%, growth against the median 25%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○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 08-07-2026, 23 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
23 d early
2024
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 4 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 2
- Since
- 2025
- Next accounts
- by 31-07-2027
- 08-07-2026Annual accounts filed
- 30-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail sale of watches and jewelleryNACE 47770
- Founded
- 05-01-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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