NOVE GRUPPO
ActiveThe computed 12-month bankruptcy probability of NOVE GRUPPO is 4.1% (elevated). The 2025 annual accounts show equity of €19k and a net result of €16k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 37% of 13270 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+14
Solvency41▲+14
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
4.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.77 against 0.79 in 2024; short-term debt: 77.1% and cash: 21.1% of total assets), and 84% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
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
16%
Return on assets
13.3%
Age of the figures
9 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
22232425
2022 to 2025 · latest year €19k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 filingsDeviation from the deadline
2025
31 d late
2024
25 d late
2023
30 d late
2022
29 d late
← 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, micro schema
Equity
€19k▲ 490%
2024 · €3k
2022: €14k
2023: €468
2024: €3k
2022 → 2025
Total assets
€117k▼ 30.0%
2024 · €167k
2022: €131k
2023: €117k
2024: €167k
2022 → 2025
Net result
€16k▲ 475%
2024 · €3k
2022: €-6k
2023: €-14k
2024: €3k
2022 → 2025
Working capital
€-21k▲ 29.5%
2024 · €-30k
2022: €7k
2023: €-21k
2024: €-30k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€14k-€468▼ 96.7%€3k▲ 577%€19k▲ 490%
Operating result€-5k-€-7k▼ 59.1%€6k€17k▲ 194%
Net result€-6k-€-14k▼ 147%€3k€16k▲ 475%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 194% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€48k▼ 16.2%
Current assets
€69k▼ 37.1%
Equity and liabilities €117k
Equity
€19k▲ 490%
Debt
€98k▼ 40.0%
The debt ratio falls from 98.1% to 84.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€35k▲
2024 · €21k
Cash flow
€33k▲
2024 · €18k
Solvency
16.0%▲
2024 · 1.9%
Current ratio
0.77▼
2024 · 0.79
Quick ratio
0.66▼
2024 · 0.73
Debt / equity
5.26▼
2024 · 51.71
ROE
83.0%▼
2024 · 85.2%
ROA
13.3%▲
2024 · 1.6%
Interest coverage
26.69▲
2024 · 7.12
Debt
€98k▼
2024 · €164k
Debt ≤ 1 year
€90k▼
2024 · €140k
Debt > 1 year
€8k▼
2024 · €24k
Staff costs
€186k▲
2024 · €130k
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€167k€117k▼
Fixed assets21/28€57k€48k▼
Tangible fixed assets22/27€50k€40k▼
Land and buildings22€41k€33k▼
Plant, machinery and equipment23€9k€8k▼
Financial fixed assets28€7k€8k▲
Current assets29/58€110k€69k▼
Stocks and contracts in progress3€8k€9k▲
Stocks30/36€8k€9k▲
Amounts receivable within one year40/41€81k€35k▼
Trade receivables40€81k€35k▼
Cash at bank and in hand54/58€21k€25k▲
Deferred charges and accrued income490/1-€209
Equity and liabilities
Total equity and liabilities10/49€167k€117k▼
Equity10/15€3k€19k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-17k€-1k▲
Amounts payable17/49€164k€98k▼
Amounts payable after more than one year17€24k€8k▼
Financial debts170/4€24k€8k▼
Amounts payable within one year42/48€140k€90k▼
Current portion of amounts payable after more than one year42€15k€16k▲
Financial debts43-€154
Credit institutions430/8-€154
Trade debts44€90k€37k▼
Suppliers440/4€90k€37k▼
Taxes, remuneration and social security45€24k€28k▲
Taxes450/3€6k€9k▲
Remuneration and social security454/9€18k€19k▲
Other amounts payable47/48€10k€9k▼
Accrued charges and deferred income492/3€154-
Income statement
Code20242025
Remuneration, social security and pensions62€130k€186k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€18k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€154k€224k▲
Operating profit (loss)9901€6k€17k▲
Financial income75/76B-€3
Recurring financial income75-€3
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€3k€16k▲
Profit (loss) for the period9904€3k€16k▲
Profit (loss) for the period to be appropriated9905€3k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€-1k▲
Profit (loss) brought forward from the previous period14P€-20k€-17k▲
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2022net €16k ▲475%
Operating result €17k, net result €16k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Huy · 1 establishment unit since 2022
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.
Avenue Albert 1er 194500 HuyGround area
392 m²
Building footprint
154 m²
Volume, LiDAR
1,105 m³
2 parcels, Wallonia · tallest building 16.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
NOVE
since 20222.332.583.348
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61322A0312/03E005 | Wallonia | 249 m² | 1 · 77 m² | - |
| 61031B0246/00H000 | Wallonia | 143 m² | 1 · 77 m² | 16.5 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHuy2.332.583.348
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 8,007 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-04-2022
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.