NOVIAT
ActiveNOVIAT has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €62k and a net result of €90k. Equity is growing by ~48.1% per year across the filed fiscal years. Its solvency ranks better than 30% of 2832 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+25
Solvency46▲+29
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.11 against 0.81 in 2023; short-term debt: 79.4% and cash: 30.3% of total assets), and 79.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-05-2025, 85 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
85 d early
2023
33 d early
2022
38 d early
2021
37 d early
2020
31 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€62k
2023 · €-27k
2018: €365k
2019: €-241k
2020: €-332k
2021: €-114k
2022: €-48k
2023: €-27k
2018 → 2024
Total assets
€301k▼ 10.4%
2023 · €336k
2018: €1.03M
2019: €312k
2020: €236k
2021: €318k
2022: €294k
2023: €336k
2018 → 2024
Net result
€90k▲ 462%
2023 · €16k
2018: €7k
2019: €-544k
2020: €-50k
2021: €218k
2022: €46k
2023: €16k
2018 → 2024
Working capital
€27k
2023 · €-68k
2018: €-5k
2019: €-393k
2020: €-367k
2021: €-111k
2022: €-51k
2023: €-68k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-332k-€-114k▲ 65.7%€-48k▲ 58.3%€-27k▲ 43.8%€62k
Operating result€-46k-€222k€49k▼ 77.9%€18k▼ 64.2%€91k▲ 418%
Net result€-50k-€218k€46k▼ 78.7%€16k▼ 65.6%€90k▲ 462%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 418% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €301k
Fixed assets
€35k▼ 15.4%
Current assets
€266k▼ 9.8%
Equity and liabilities €301k
Equity
€62k
Debt
€239k
Debt finances 79.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€97k▲
2023 · €19k
Cash flow
€96k▲
2023 · €18k
Solvency
20.6%▲
2023 · -8.0%
Current ratio
1.11▲
2023 · 0.81
Quick ratio
0.90▲
2023 · 0.66
Debt / equity
3.85▲
2023 · -13.55
ROE
144.8%
ROA
29.8%▲
2023 · 4.8%
Interest coverage
67.90▲
2023 · 14.89
Debt
€239k▼
2023 · €363k
Debt ≤ 1 year
€239k▼
2023 · €363k
Income taxes
€529▲
2023 · €315
Staff costs
€236k▼
2023 · €283k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€336k€301k▼
Fixed assets21/28€41k€35k▼
Intangible fixed assets21€32k€28k▼
Tangible fixed assets22/27€7k€4k▼
Furniture and vehicles24€7k€4k▼
Financial fixed assets28€2k€2k=
Current assets29/58€295k€266k▼
Stocks and contracts in progress3€55k€50k▼
Contracts in progress37€55k€50k▼
Amounts receivable within one year40/41€160k€106k▼
Trade receivables40€156k€99k▼
Other amounts receivable41€3k€7k▲
Cash at bank and in hand54/58€71k€91k▲
Deferred charges and accrued income490/1€10k€18k▲
Equity and liabilities
Total equity and liabilities10/49€336k€301k▼
Equity10/15€-27k€62k▲
Contributions10/11€220k€220k=
Capital10€220k€220k=
Issued capital100€220k€220k=
Reserves13€62k€62k=
Non-distributable reserves130/1€20k€20k=
Legal reserve130€20k€20k=
Distributable reserves133€42k€42k=
Profit (loss) carried forward14€-313k€-224k▲
Investment grants15€5k€4k▼
Amounts payable17/49€363k€239k▼
Amounts payable within one year42/48€363k€239k▼
Trade debts44€308k€204k▼
Suppliers440/4€308k€204k▼
Taxes, remuneration and social security45€54k€34k▼
Taxes450/3€11k€8k▼
Remuneration and social security454/9€43k€27k▼
Income statement
Code20232024
Non-recurring operating income76A-€13k
Remuneration, social security and pensions62€283k€236k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€6k▲
Other operating charges640/8€4k€674▼
Gross operating margin9900€306k€334k▲
Operating profit (loss)9901€18k€91k▲
Financial income75/76B€16€603▲
Recurring financial income75€16€603▲
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€16k€90k▲
Income taxes67/77€315€529▲
Profit (loss) for the period9904€16k€90k▲
Profit (loss) for the period to be appropriated9905€16k€90k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-313k€-224k▲
Profit (loss) brought forward from the previous period14P€-329k€-313k▲
Social balance
Average headcount (FTE)90874.43.2▼
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
2025
07-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €218k
Net result €218k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
31-12
Financial
Weakest financial yearnet €-544k ▼8380%
Net result drops to €-544k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
08-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Visé · 1 establishment unit since 2026
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.
Rue de la Croix(LIX) 284600 ViséGround area
1,972 m²
Building footprint
290 m²
Volume, LiDAR
807 m³
2 parcels, Flanders, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Noviat
since 20262.389.043.286
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62065B0556/00E002 | Wallonia | 1,379 m² | 1 · 116 m² | 9.4 m · 2 fl. |
| 24040A0030/00A002 | Flanders | 593 m² | 1 · 174 m² | - |
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
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BE 1005.151.315
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Promptus Technologies
BE 0778.579.210
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KORNERSTONE
BE 0718.873.433
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Of 16,887 companies in sector 62100 we hold annual accounts for 8,777. 6,908 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-11-2009
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
46140Agents in the wholesale of industrial machinery, ships and aircraft
46190Agents in non-specialised wholesale trade
47400Retail sale of information and communication equipment
47410Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.