Novi Tip
ActiveSummary
Novi Tip has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €46k. Equity is shrinking by ~25.1% per year across the filed fiscal years. Its solvency ranks better than 12% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency29▲+1
Growth58=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
3.7%
Return on assets
97.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 12%
← weakest
strongest →
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 06-05-2026, 86 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
86 d early
2024
51 d early
2023
54 d early
2022
80 d early
2021
48 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k=
2024 · €2k
2021: €5k
2022: €16k
2023: €34k
2024: €2k
2021 → 2025
Total assets
€47k▼ 29.6%
2024 · €67k
2021: €6k
2022: €28k
2023: €40k
2024: €67k
2021 → 2025
Net result
€46k▲ 90.7%
2024 · €24k
2021: €3k
2022: €11k
2023: €18k
2024: €24k
2021 → 2025
Working capital
€-8k▲ 21.3%
2024 · €-10k
2021: €3k
2022: €15k
2023: €24k
2024: €-10k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€16k▲ 241%€34k▲ 110%€2k▼ 94.8%€2k=
Operating result€4k-€15k▲ 288%€24k▲ 67.9%€33k▲ 36.6%€69k▲ 107%
Net result€3k-€11k▲ 284%€18k▲ 55.3%€24k▲ 37.0%€46k▲ 90.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 107% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47k
Fixed assets
€9k ▼ 18.0%
Current assets
€38k ▼ 31.9%
Equity and liabilities €47k
Equity
€2k =
Debt
€46k ▼ 30.4%
Debt's share of the balance-sheet total falls from 97.4% to 96.3%. Debt is lower.
Key figures and ratios
EBITDA
€72k▲
2024 · €37k
Cash flow
€49k▲
2024 · €28k
Current ratio
0.84▼
2024 · 0.85
Debt to equity
26.08▼
2024 · 37.46
ROA
97.3%▲
2024 · 35.9%
Interest coverage
38.23▲
2024 · 34.10
Debt ≤ 1 year
€46k▼
2024 · €66k
Income taxes
€22k▲
2024 · €9k
A ratio outside any meaningful range has been withheld (balance sheet total €47k, equity €2k).
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€67k€47k▼
Fixed assets21/28€11k€9k▼
Tangible fixed assets22/27€11k€9k▼
Furniture and vehicles24€9k€6k▼
Other tangible fixed assets26€3k€3k▲
Current assets29/58€56k€38k▼
Amounts receivable within one year40/41€28k€15k▼
Trade receivables40€11k€15k▲
Other amounts receivable41€17k€0▼
Cash at bank and in hand54/58€27k€21k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€67k€47k▼
Equity10/15€2k€2k=
Contributions10/11€2k€2k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€66k€46k▼
Amounts payable within one year42/48€66k€46k▼
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€7k€14k▲
Taxes450/3€7k€14k▲
Other amounts payable47/48€56k€28k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€625€5k▲
Gross operating margin9900€37k€77k▲
Operating profit (loss)9901€33k€69k▲
Financial income75/76B€447€471▲
Recurring financial income75€447€471▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€33k€68k▲
Income taxes67/77€9k€22k▲
Profit (loss) for the period9904€24k€46k▲
Profit (loss) for the period to be appropriated9905€24k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€46k▼
Profit (loss) brought forward from the previous period14P€32k€0▼
Profit to be distributed694/7€56k€46k▼
Directors or managers695€56k€46k▼
The notes to these accounts (5 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
06-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €46k ▲90.7%
Operating result €69k, net result €46k, both a record.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 4.88
Current ratio from 2.21 to 4.88; short-term debt falls from €12k to €6k.
12-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Chaudfontaine · 1 establishment unit since 2021
Ground area
403 m²
Building footprint
76 m²
Volume, LiDAR
429 m³
Parcel 62030C0042/00C000, Wallonia · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Novi Tip
since 20212.321.749.438
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62030C0042/00C000 | Wallonia | 403 m² | 1 · 76 m² | 6.7 m · 2 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.
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 7,202 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
Founded10-09-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.