NOVALUX
ActiveSummary
NOVALUX has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 69% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+27
Solvency82▲+20
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.34 against 1.56 in 2024; short-term debt: 42.8% and cash: 0.2% of total assets), and 42.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
57.2%
Return on assets
28.3%
Age of the figures
12 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €15k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-12-2025, 142 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
142 d early
2024
50 d early
2023
57 d early
2022
54 d early
2021
54 d early
2020
58 d early
2019
44 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▲ 98.2%
2024 · €8k
2018: €-5k
2019: €-10k▼ -103% vs 2018lowest in 8 years
2020: €13k▲ +231% vs 2019
2021: €6k▼ -56.4% vs 2020
2022: €2k▼ -59.4% vs 2021
2023: €7k▲ +211% vs 2022
2024: €8k▲ +9.7% vs 2023
2025: €15k▲ +98.2% vs 2024highest in 8 years
2018 → 2025
Total assets
€27k▲ 28.1%
2024 · €21k
2018: €17k
2019: €8k▼ -53.4% vs 2018
2020: €16k▲ +96.6% vs 2019
2021: €7k▼ -56.7% vs 2020
2022: €5k▼ -30.4% vs 2021lowest in 8 years
2023: €36k▲ +662% vs 2022highest in 8 years
2024: €21k▼ -41.4% vs 2023
2025: €27k▲ +28.1% vs 2024
2018 → 2025
Net result
€8k▲ 1,012%
2024 · €683
2018: €-23klowest in 8 years
2019: €-5k▲ +78.8% vs 2018
2020: €23k▲ +556% vs 2019highest in 8 years
2021: €-7k▼ -132% vs 2020
2022: €-3k▲ +54.1% vs 2021
2023: €5k▲ +244% vs 2022
2024: €683▼ -85.7% vs 2023
2025: €8k▲ +1012% vs 2024
2018 → 2025
Working capital
€15k▲ 106%
2024 · €7k
2018: €-4k
2019: €-10k▼ -129% vs 2018lowest in 8 years
2020: €13k▲ +231% vs 2019
2021: €4k▼ -65.2% vs 2020
2022: €1k▼ -68.1% vs 2021
2023: €6k▲ +355% vs 2022
2024: €7k▲ +14.9% vs 2023
2025: €15k▲ +106% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€2k▼ 59.4%€7k▲ 211%€8k▲ 9.7%€15k▲ 98.2%
2021: €6k
2022: €2k▼ -59.4% vs 2021lowest in 5 years
2023: €7k▲ +211% vs 2022
2024: €8k▲ +9.7% vs 2023
2025: €15k▲ +98.2% vs 2024highest in 5 years
Operating result€-7k-€-3k▲ 53.8%€5k€742▼ 84.6%€8k▲ 930%
2021: €-7klowest in 5 years
2022: €-3k▲ +53.8% vs 2021
2023: €5k▲ +246% vs 2022
2024: €742▼ -84.6% vs 2023
2025: €8k▲ +930% vs 2024highest in 5 years
Net result€-7k-€-3k▲ 54.1%€5k€683▼ 85.7%€8k▲ 1,012%
2021: €-7klowest in 5 years
2022: €-3k▲ +54.1% vs 2021
2023: €5k▲ +244% vs 2022
2024: €683▼ -85.7% vs 2023
2025: €8k▲ +1012% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 930% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €27k
Equity
€15k ▲ 98.2%
Debt
€11k ▼ 13.0%
Debt's share of the balance-sheet total falls from 63.0% to 42.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8k▲
2024 · €1k
Cash flow
€8k▲
2024 · €964
Current ratio
2.34▲
2024 · 1.56
Quick ratio
0.91▲
2024 · 0.33
Debt to equity
0.75▼
2024 · 1.71
ROE
49.5%▲
2024 · 8.8%
ROA
28.3%▲
2024 · 3.3%
Interest coverage
146.80▲
2024 · 17.28
Debt ≤ 1 year
€11k▼
2024 · €13k
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 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€21k€27k▲
Fixed assets21/28€281€0▼
Tangible fixed assets22/27€281€0▼
Furniture and vehicles24€281€0▼
Current assets29/58€21k€27k▲
Stocks and contracts in progress3€16k€16k=
Stocks30/36€16k€16k=
Amounts receivable within one year40/41€2k€10k▲
Trade receivables40€413€10k▲
Other amounts receivable41€1k€405▼
Cash at bank and in hand54/58€3k€50▼
Deferred charges and accrued income490/1€230-
Equity and liabilities
Total equity and liabilities10/49€21k€27k▲
Equity10/15€8k€15k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-11k€-3k▲
Amounts payable17/49€13k€11k▼
Amounts payable within one year42/48€13k€11k▼
Trade debts44-€637
Suppliers440/4-€637
Advances received on contracts in progress46€500-
Other amounts payable47/48€13k€11k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€281€281=
Other operating charges640/8€695-
Gross operating margin9900€2k€8k▲
Operating profit (loss)9901€742€8k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€59€54▼
Recurring financial charges65€59€54▼
Profit (loss) for the period before taxes9903€683€8k▲
Profit (loss) for the period9904€683€8k▲
Profit (loss) for the period to be appropriated9905€683€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-3k▲
Profit (loss) brought forward from the previous period14P€-12k€-11k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €281 | €281 | €281 | €281 | €281 | = |
| Other operating charges640/8 | - | - | €2k | €695 | - | - |
| Gross operating margin9900 | €-6k | €-3k | €7k | €2k | €8k | ▲ 361% |
| Operating profit (loss)9901 | €-7k | €-3k | €5k | €742 | €8k | ▲ 930% |
| Financial income75/76B | - | - | €20 | €0 | - | - |
| Recurring financial income75 | €0 | - | €20 | €0 | - | - |
| Financial charges65/66B | - | €30 | €54 | €59 | €54 | ▼ 8.8% |
| Recurring financial charges65 | €111 | €30 | €54 | €59 | €54 | ▼ 8.8% |
| Profit (loss) for the period before taxes9903 | €-7k | €-3k | €5k | €683 | €8k | ▲ 1,012% |
| Profit (loss) for the period9904 | €-7k | €-3k | €5k | €683 | €8k | ▲ 1,012% |
| Profit (loss) for the period to be appropriated9905 | €-7k | €-3k | €5k | €683 | €8k | ▲ 1,012% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €7k | €5k | €36k | €21k | €27k | ▲ 28.1% |
| Fixed assets21/28 | €1k | €843 | €562 | €281 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €1k | €843 | €562 | €281 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | €843 | €562 | €281 | €0 | ▼ 100% |
| Current assets29/58 | €6k | €4k | €35k | €21k | €27k | ▲ 29.8% |
| Stocks and contracts in progress3 | €2k | €2k | €12k | €16k | €16k | = |
| Stocks30/36 | - | €2k | €12k | €16k | €16k | = |
| Amounts receivable within one year40/41 | €2k | €1k | €7k | €2k | €10k | ▲ 569% |
| Trade receivables40 | - | - | - | €413 | €10k | ▲ 2,320% |
| Other amounts receivable41 | - | €1k | €7k | €1k | €405 | ▼ 64.6% |
| Current investments50/53 | €2k | €529 | - | - | - | - |
| Cash at bank and in hand54/58 | - | - | €16k | €3k | €50 | ▼ 98.0% |
| Deferred charges and accrued income490/1 | - | €56 | - | €230 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €7k | €5k | €36k | €21k | €27k | ▲ 28.1% |
| Equity10/15 | €6k | €2k | €7k | €8k | €15k | ▲ 98.2% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Profit (loss) carried forward14 | €-13k | €-16k | €-12k | €-11k | €-3k | ▲ 69.9% |
| Amounts payable17/49 | €1k | €2k | €29k | €13k | €11k | ▼ 13.0% |
| Amounts payable within one year42/48 | €1k | €2k | €29k | €13k | €11k | ▼ 13.0% |
| Trade debts44 | €5 | €981 | €3k | - | €637 | - |
| Suppliers440/4 | - | €981 | €3k | - | €637 | - |
| Advances received on contracts in progress46 | - | - | - | €500 | - | - |
| Taxes, remuneration and social security45 | - | - | €15 | - | - | - |
| Taxes450/3 | - | - | €15 | - | - | - |
| Other amounts payable47/48 | - | €1k | €25k | €13k | €11k | ▼ 14.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-7k | €-3k | €5k | €683 | €8k | ▲ 1,012% |
| + Depreciation and write-downs630 | €281 | €281 | €281 | €281 | €281 | = |
| Operating cash flow (approximation) | €-7k | €-3k | €5k | €964 | €8k | ▲ 717% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | - | - | €-14k | €-2k | ▲ 82.3% |
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
2025
09-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
11-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
07-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
03-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €23k
Net result €23k after 2 loss-making years.
30-09
Financial
Liquidity times 13current ratio 5.66
Current ratio from 0.45 to 5.66; short-term debt falls from €18k to €3k.
17-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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, Anderlecht · 1 establishment unit since 2017
Ground area
255 m²
Building footprint
153 m²
Volume, LiDAR
1,600 m³
2 parcels, Brussels · tallest building 17.9 m, ±5 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
IZCARS
since 20172.260.773.258
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21001A0464/00P000 | Brussels | 141 m² | 1 · 85 m² | 10.2 m · 3 fl. |
| 21302A0066/00L002 | Brussels | 114 m² | 1 · 68 m² | 17.9 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 10,667 companies in sector 47811 we hold annual accounts for 5,220. 2,458 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-01-2017
Fiscal year end30-09
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
43331Floor and wall tiling
Scores and ratios are computed by Checked and are not a credit decision.