NOVERA
ActiveThe computed 12-month bankruptcy probability of NOVERA is 2.1% (moderate). The annual accounts of NOVERA for fiscal year 2025 show a net loss of 86% of the equity at the start of that year. The 2025 annual accounts show equity of €22k and a net result of €-9k. Equity is growing by ~26.4% per year across the filed fiscal years. Its solvency ranks better than 33% of 1525 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
35
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▲+11
Solvency40▼-11
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 1.0 against 1.5 in 2024; short-term debt: 44.6% and cash: 7% of total assets), and 85.1% 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.
+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 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
14.9%
Return on assets
-6.4%
Age of the figures
9 mo
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 · 6 filingsDeviation from the deadline
2025
23 d early
2024
35 d early
2023
49 d early
2022
113 d late
2021
3 d early
2020
4 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▲ 99.6%
2024 · €11k
2020: €2k
2021: €12k
2022: €12k
2023: €18k
2024: €11k
2020 → 2025
Total assets
€144k▲ 253%
2024 · €41k
2020: €20k
2021: €24k
2022: €20k
2023: €24k
2024: €41k
2020 → 2025
Net result
€-9k▼ 29.3%
2024 · €-7k
2020: €-8k
2021: €10k
2022: €180
2023: €6k
2024: €-7k
2020 → 2025
Working capital
€-137
2024 · €5k
2020: €671
2021: €10k
2022: €9k
2023: €15k
2024: €5k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€12k▲ 1.5%€18k▲ 50.8%€11k▼ 39.9%€22k▲ 99.6%
Operating result€11k-€587▼ 94.8%€10k▲ 1,528%€-6k€-6k▼ 4.7%
Net result€10k-€180▼ 98.2%€6k▲ 3,256%€-7k€-9k▼ 29.3%
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 €6k in 2025 against €6k 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
Assets €144k
Fixed assets
€80k▲ 206%
Current assets
€64k▲ 335%
Equity and liabilities €144k
Equity
€22k▲ 99.6%
Debt
€123k▲ 307%
The debt ratio rises from 73.7% to 85.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€180▲
2024 · €-2k
Cash flow
€-3k▼
2024 · €-3k
Solvency
14.9%▼
2024 · 26.3%
Current ratio
1.00▼
2024 · 1.50
Quick ratio
0.50▼
2024 · 0.98
Debt / equity
5.71▲
2024 · 2.80
ROE
-42.9%▲
2024 · -66.3%
ROA
-6.4%▲
2024 · -17.5%
Interest coverage
0.05▲
2024 · -1.13
Debt
€123k▲
2024 · €30k
Debt ≤ 1 year
€64k▲
2024 · €10k
Debt > 1 year
€58k▲
2024 · €20k
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€41k€144k▲
Fixed assets21/28€26k€80k▲
Tangible fixed assets22/27€26k€76k▲
Plant, machinery and equipment23€25k€76k▲
Furniture and vehicles24€1k€0▼
Financial fixed assets28-€4k
Current assets29/58€15k€64k▲
Stocks and contracts in progress3€5k€32k▲
Stocks30/36€5k€32k▲
Amounts receivable within one year40/41€4k€15k▲
Trade receivables40€3k€10k▲
Other amounts receivable41€1k€6k▲
Cash at bank and in hand54/58€6k€10k▲
Deferred charges and accrued income490/1€315€7k▲
Equity and liabilities
Total equity and liabilities10/49€41k€144k▲
Equity10/15€11k€22k▲
Contributions10/11€10k€30k▲
Reserves13€8k€8k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€-7k€-16k▼
Amounts payable17/49€30k€123k▲
Amounts payable after more than one year17€20k€58k▲
Financial debts170/4€20k€58k▲
Amounts payable within one year42/48€10k€64k▲
Current portion of amounts payable after more than one year42€6k€62k▲
Trade debts44€3k€989▼
Suppliers440/4€3k€989▼
Advances received on contracts in progress46-€110
Taxes, remuneration and social security45€1k-
Taxes450/3€1k-
Other amounts payable47/48€84€1k▲
Accrued charges and deferred income492/3-€56
Income statement
Code20242025
Non-recurring operating income76A-€3k
Remuneration, social security and pensions62€157-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€170-
Other operating charges640/8€1k€3k▲
Gross operating margin9900€-132€3k▲
Operating profit (loss)9901€-6k€-6k▼
Financial income75/76B€11€123▲
Recurring financial income75€11€123▲
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€-7k€-9k▼
Income taxes67/77€0-
Profit (loss) for the period9904€-7k€-9k▼
Profit (loss) for the period to be appropriated9905€-7k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-16k▼
Profit (loss) brought forward from the previous period14P€0€-7k▼
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (11 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 113 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.70
Current ratio from 1.08 to 2.70; short-term debt falls from €8k to €6k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Hamme (Vl.) · 1 establishment unit since 2019
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.
Zwaarveld 11X9220 Hamme (Vl.)Ground area
1,350 m²
Building footprint
1,333 m²
Volume, LiDAR
12,909 m³
Parcel 42452C0046/00N000, Flanders · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Zwerte koffie
since 20192.288.691.838
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42452C0046/00N000 | Flanders | 1,350 m² | 1 · 1,333 m² | 12.8 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHamme (O.-Vl.)2.288.691.838
Similar companies · same sector, comparable size
Bean & Beyond
BE 1001.972.089
Brugge · Eq €19k
DUMOLYN'S COFFEES
BE 0651.645.208
Lichtervelde · Eq €18k
La-Thé
BE 0781.990.937
Poperinge · Eq €17k
MOON COFFEE
BE 0772.903.027
Morlanwelz · Eq €17k
Greater Good
BE 0892.861.541
Langemark-Poelkapelle · Eq €27k
Of 231 companies in sector 10830 we hold annual accounts for 113. 50 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-05-2019
Fiscal year end31-12
Activities, NACEBEL
10830Manufacture of food products
31001Manufacture of furniture
46360Wholesale trade
46370Wholesale trade
47242Retail sale of chocolate and confectionery
47252Retail sale of beverages, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.