NOVIA DUE
ActiveNOVIA DUE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €241k and a net result of €29k. Equity is shrinking by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 61% of 7931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+22
Solvency81▼-12
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 2.27 against 2.96 in 2024; short-term debt: 42.8% and cash: 62% of total assets), and 44.3% 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.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
55.7%
Return on assets
6.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 · 10 filingsDeviation from the deadline
2025
23 d early
2024
34 d late
2023
7 d early
2022
24 d early
2021
31 d late
2020
19 d early
2019
18 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€241k▼ 30.8%
2024 · €348k
2018: €594k
2019: €609k
2020: €555k
2021: €442k
2022: €421k
2023: €408k
2024: €348k
2018 → 2025
Total assets
€432k▼ 15.6%
2024 · €512k
2018: €768k
2019: €762k
2020: €769k
2021: €668k
2022: €627k
2023: €591k
2024: €512k
2018 → 2025
Net result
€29k▲ 768%
2024 · €3k
2018: €18k
2019: €15k
2020: €24k
2021: €69k
2022: €17k
2023: €-12k
2024: €3k
2018 → 2025
Working capital
€235k▼ 26.7%
2024 · €320k
2018: €580k
2019: €592k
2020: €496k
2021: €392k
2022: €353k
2023: €361k
2024: €320k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€442k-€421k▼ 4.8%€408k▼ 2.9%€348k▼ 14.8%€241k▼ 30.8%
Operating result€97k-€23k▼ 75.7%€-10k€10k€46k▲ 359%
Net result€69k-€17k▼ 75.2%€-12k€3k€29k▲ 768%
Turnover and EBIT margin not published: the abbreviated 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 359% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €432k
Fixed assets
€13k▼ 56.1%
Current assets
€420k▼ 13.2%
Equity and liabilities €432k
Equity
€241k▼ 30.8%
Debt
€192k▲ 16.7%
The debt ratio rises from 32.1% to 44.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€64k▲
2024 · €31k
Cash flow
€46k▲
2024 · €24k
Solvency
55.7%▼
2024 · 67.9%
Current ratio
2.27▼
2024 · 2.96
Quick ratio
2.15▼
2024 · 2.83
Debt / equity
0.80▲
2024 · 0.47
ROE
11.9%▲
2024 · 0.9%
ROA
6.6%▲
2024 · 0.6%
Interest coverage
7.07▲
2024 · 4.26
Debt
€192k▲
2024 · €164k
Debt ≤ 1 year
€185k▲
2024 · €163k
Income taxes
€16k▲
2024 · €5k
Staff costs
€158k▲
2024 · €157k
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€512k€432k▼
Fixed assets21/28€29k€13k▼
Intangible fixed assets21€776€0▼
Tangible fixed assets22/27€28k€13k▼
Land and buildings22€2k€2k▼
Furniture and vehicles24€26k€11k▼
Financial fixed assets28€109€109=
Current assets29/58€483k€420k▼
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Stocks and contracts in progress3€21k€23k▲
Stocks30/36€21k€23k▲
Amounts receivable within one year40/41€122k€120k▼
Trade receivables40€35k€104k▲
Other amounts receivable41€87k€16k▼
Cash at bank and in hand54/58€332k€268k▼
Deferred charges and accrued income490/1€8k€9k▲
Equity and liabilities
Total equity and liabilities10/49€512k€432k▼
Equity10/15€348k€241k▼
Contributions10/11€25k€25k=
Reserves13€323k€216k▼
Distributable reserves133€323k€216k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€164k€192k▲
Amounts payable within one year42/48€163k€185k▲
Trade debts44€104k€61k▼
Suppliers440/4€104k€61k▼
Taxes, remuneration and social security45€30k€77k▲
Taxes450/3€9k€59k▲
Remuneration and social security454/9€21k€18k▼
Other amounts payable47/48€30k€47k▲
Accrued charges and deferred income492/3€886€7k▲
Income statement
Code20242025
Remuneration, social security and pensions62€157k€158k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€18k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€666
Other operating charges640/8€3k€7k▲
Gross operating margin9900€191k€229k▲
Operating profit (loss)9901€10k€46k▲
Financial income75/76B€6k€8k▲
Recurring financial income75€6k€8k▲
Non-recurring financial income76B€0-
Financial charges65/66B€7k€9k▲
Recurring financial charges65€7k€9k▲
Profit (loss) for the period before taxes9903€9k€45k▲
Income taxes67/77€5k€16k▲
Profit (loss) for the period9904€3k€29k▲
Profit (loss) for the period to be appropriated9905€3k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€29k▲
Transfer from equity791/2€64k€136k▲
Transfer to equity691/2€3k€29k▲
To other reserves6921€3k€29k▲
Profit to be distributed694/7€64k€136k▲
Return on contributions (dividend)694€64k€136k▲
Social balance
Average headcount (FTE)90872.72.5▼
The notes to these accounts (15 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 · abbreviated schema
2025
03-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 34 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-12k ▼173%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €69k ▲189%
Operating result €97k, net result €69k, both a record.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 18 days late
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 1 day late
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 1995
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.
Lijsterbessenlaan(BEV) 29120 Beveren-Kruibeke-ZwijndrechtGround area
334 m²
Building footprint
278 m²
Volume, LiDAR
1,953 m³
2 parcels, Brussels, Flanders · tallest building 14.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Waterloosesteenweg 809, 1180 Ukkel
since 19952.073.102.410
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0056/02H026 | Brussels | 184 m² | 1 · 102 m² | 14.0 m · 3 fl. |
| 46502D0526/00K002 | Flanders | 150 m² | 1 · 176 m² | 6.7 m · 2 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.
Similar companies · same sector, comparable size
DRYFAST
BE 0455.722.727
Pelt · Eq €241k
ROELS & CO
BE 0480.163.955
Kontich · Eq €238k
EUREKA CONFORT BELGIUM
BE 0874.153.211
Grez-Doiceau · Eq €245k
Solus Engineering
BE 0833.394.801
Gent · Eq €235k
MARTENS PLASTICS
BE 0427.444.752
Mol · Eq €246k
Of 472 companies in sector 46842 we hold annual accounts for 346. 249 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-09-1995
Fiscal year end31-12
Activities, NACEBEL
46842Wholesale trade
47521Retail sale of hardware, building materials, paint and glass (general range)
51542
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.