Novali

Active

Private limited companyfounded 20214 yrs activeBeverlaak 16, 3118 Rotselaar, BelgiumKBO/BCE: BE 0778.884.066

Summary

The computed 12-month bankruptcy probability of Novali is 2.6% (moderate). The 2025 annual accounts show equity of €164k and a net result of €-7k. Equity is growing by ~316.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 191 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

67 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability27▲+27

Solvency100=

Growth78▲+26

Track record94

Bankruptcy probability, 12 months

2.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €10k at 30 days acceptable

short-term debt: 0.1% and cash: 93.4% of total assets, and 0.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

Three signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 27

Relative position

BE, all sectors

reference

Sector 27

higher

← fewer bankruptcies more bankruptcies →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-09-2026, 42 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 · 4 filings

Deviation from the deadline

2025

42 d late

2024

163 d late

2023

126 d late

2022

18 d late

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Source amounts without an identifiable currency are assumed to be EUR.

Equity

€164k▲ 417%

2024 · €32k

2022: €2k 2023: €89k 2024: €32k

2022 → 2025

Total assets

€164k▲ 407%

2024 · €32k

2022: €2k 2023: €105k 2024: €32k

2022 → 2025

Net result

€-7k▲ 87.9%

2024 · €-57k

2022: €-9k 2023: €-50k 2024: €-57k

2022 → 2025

Working capital

€164k▲ 417%

2024 · €32k

2022: €2k 2023: €104k 2024: €32k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€2k-€89k▲ 4,388%€32k▼ 64.5%€164k▲ 417%

Operating result€-9k-€-50k▼ 438%€-57k▼ 14.5%€-131k▼ 128%

Net result€-9k-€-50k▼ 437%€-57k▼ 14.2%€-7k▲ 87.9%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €131k in 2025 against €57k 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

Equity and liabilities €164k

99.9%

Equity €164k ▲ 417%

Debt €110 ▼ 82.8%

Debt's share of the balance-sheet total falls from 2.0% to 0.1%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

Debt to equity

0.00▼

2024 · 0.02

ROE

-4.3%▲

2024 · -181.7%

ROA

-4.3%▲

2024 · -178.1%

Debt ≤ 1 year

€110▼

2024 · €643

A ratio outside any meaningful range has been withheld (balance sheet total €164k, equity €164k).

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2025 against 2024 · 29 lines

Balance sheet Code20242025

Assets

Total assets20/58€32k€164k▲

Current assets29/58€32k€164k▲

Amounts receivable within one year40/41€13k€11k▼

Trade receivables40€2k€2k=

Other amounts receivable41€11k€9k▼

Cash at bank and in hand54/58€20k€153k▲

Deferred charges and accrued income490/1-€260

Equity and liabilities

Total equity and liabilities10/49€32k€164k▲

Equity10/15€32k€164k▲

Contributions10/11€147k€147k=

Profit (loss) carried forward14€-116k€-123k▼

Investment grants15-€139k

Amounts payable17/49€643€110▼

Amounts payable within one year42/48€643€110▼

Trade debts44€643€110▼

Suppliers440/4€643€110▼

Income statement Code20242025

Non-recurring operating income76A€15k-

Other operating charges640/8-€393

Gross operating margin9900€-57k€-131k▼

Operating profit (loss)9901€-57k€-131k▼

Financial income75/76B-€124k

Recurring financial income75-€124k

Financial charges65/66B€37€76▲

Recurring financial charges65€37€76▲

Profit (loss) for the period before taxes9903€-57k€-7k▲

Profit (loss) for the period9904€-57k€-7k▲

Profit (loss) for the period to be appropriated9905€-57k€-7k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-116k€-123k▼

Profit (loss) brought forward from the previous period14P€-58k€-116k▼

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 4Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

11-09

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 42 days late

10-01

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 163 days late

2025

31-12

Financial Liquidity times 30current ratio 1481.56

Current ratio from 50.15 to 1481.56; short-term debt falls from €643 to €110.

31-12

Financial Equity above €150kEq €164k ▲417%

Equity rises from €32k to €164k.

2024

31-12

Financial Weakest financial yearnet €-57k

Net result drops to €-57k, the lowest in the series; recovery starts the following year.

04-12

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 126 days late

2023

31-12

Financial Liquidity times 31current ratio 226.79

Current ratio from 7.30 to 226.79.

18-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 18 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 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, Rotselaar · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Beverlaak 163118 Rotselaar

Ground area

1.4 ha

Building footprint

4,127 m²

Volume, LiDAR

31,074 m³

2 parcels, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Vaartdijk(TIL) 22, 3150 Haacht

Manufacture of electrical equipment

since 20212.326.145.122

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24108B0400/00B000	Flanders	1.1 ha	1 · 2,665 m²	7.9 m · 2 fl.
24121E0312/00F004	Flanders	3,124 m²	1 · 1,462 m²	12.3 m · 3 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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

2023 to 2025 · 2 entries · 175,168 EUR awarded · 73,369 EUR paid

Year	Entries	awarded	paid
2025	1	168,799 EUR	67,000 EUR
2023	1	6,369 EUR	6,369 EUR

Schemes

Onderzoeksproject

1 entry · 168,799 EUR · 67,000 EUR paid · Fonds voor Innoveren en Ondernemen

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 6,369 EUR · 6,369 EUR paid · Fonds voor Innoveren en Ondernemen

European Union, budget

2024 · 1 entry · 405,492 EUR in total

Year	Entries	awarded
2024	1	405,492 EUR

Projects

FULL-MAP - FULLY INTEGRATED, AUTONOMOUS & CHEMISTRY AGNOSTIC MATERIALS ACCELERATION PLATFORM FOR SUSTAINABLE BATTERIES

Horizon Europe · 01-02-2025 to 31-01-2029 · 405,492 EUR

European research

1 project · 405,500 EUR EU contribution

Programmes

Horizon Europe

1 entry · 405,500 EUR

Projects

FULLy integrated, autonomous & chemistry agnostic Materials Acceleration Platform for sustainable batteries

Horizon Europe · participant · 01-02-2025 to 31-01-2029 · 405,500 EUR · FULL-MAP

Similar companies · same sector, comparable size

Beveren-Kruibeke-Zwijndrecht · Eq €176k

Grimbergen · Eq €138k

CELL

BE 0767.685.516

Balen · Eq €218k

Of 46 companies in sector 27200 we hold annual accounts for 28. 14 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded21-12-2021

Fiscal year end31-12

Activities, NACEBEL 2025

27200Manufacture of electrical equipment

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.