Equity
€20,460 from €241,628 in 2021
Equity fell by 92% in 4 years.
NOVIGA
Lifetime
8 annual accounts with figures on one time axispeak €110,693 (2020)
€102,155▼ 7.3%
peak €86,655 (2020)
€70,537▼ 7.0%
peak €241,628 (2021)
€20,460▼ 80.0%
€91,250▲ 341%
Board1 name since 2018
1 directorVERBERT,Johan Philippe Pauline Paul
Documentsfilings and deeds
25-02-2026156 days before the deadline
2025micro format
Dividend €152,296Equity from €102,219 to €20,460Debts from €20,683 to €91,250
Key points
from the 2025 annual accountsTurnover
≈ €160,000 estimated
The micro format states no turnover.
Debts
€91,250 ▲ 341%
Debts rose by €70,567 in 2025. A dividend stands under other debts on the balance sheet date until it is paid.
Liquidity
1.20 was 5.22 in 2024
Short-term debts rose from €20,683 to €91,250.
Filings
8 annual accounts since 2018
The last five annual accounts were filed 0 to 156 days before the end of the period.
Position in the sector
18.3%
Lower solvency than 80% of companies in computer programming and consultancy. Sector median 60.0% · 21,217 companies.
Checked score
92
Excellent
Financially stronger than 37% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,933 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: 0.1%▲ +0.1 percentage points vs 07-2025highest value
09-2025: < 0.1%▼ -0.1 percentage points vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Equity €20,460 (18.3% of total assets)
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 1.20, cash €88,140
Size: total assets €111,710
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 21% of them on solvency, 37% on liquidity, 82% on profitability and 8% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,713 companies had the same profile as NOVIGA has now. Each dot stands for 17 companies, two years later.
95.8%
were still trading
2.2%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of NOVIGA itself is lower: < 0.1% within 12 months. It rests on far more data about NOVIGA than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,713 companies, not a prediction for NOVIGA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.2 (5.22 in 2024), below the usual 1.5. Short-term debt is 81.7% and cash 78.9% of total assets. 81.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 21217 sector peers (2025).
NBB · sector comparisonPosition among 21217 sector peers
Solvency
better than 19%
← 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 25-02-2026, 156 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
156 days early
2024
on the day
2023
3 days early
2022
on the day
2021
31 days early
2020
42 days early
2019
36 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 38 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0687727129
Reappointment: VERBERT, Johan Philippe Pauline Paul (director)
“Het verstrekken van advies op het vlak van bedrijfsvoering,in diverse sectoren; Het besturen van…” (deed in Dutch) · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 06-08-2021 · Gazette deed
Incorporation
Founders: VERBERT, Johan Philippe Pauline Paul; VERBERT, Philippe Paul William Johan · Founding capital of €18,600, €6,200 paid up · Appointment: VERBERT, Johan Philippe Pauline Paul (sole manager) · published on 11-01-2018 · Gazette deed
First establishment
Grauwe Steenberg 12, Bertem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| NOVIGA Bertem | €111,710 | €102,155 | 18.3% | - |
| 2Minds4IT Tielt-Winge | €108,528 | €98,270 | 18.9% | - |
| Polaris IT Wezembeek-Oppem | €114,325 | €110,666 | 16.3% | - |
| MAGRETEA Tervuren | €115,835 | €110,643 | 18.6% | - |
| NOVA-IT Rotselaar | €114,945 | €110,177 | 87.8% | - |
| Gilis Solutions Herent | €119,076 | €111,121 | 16.5% | - |
| CodeDreams Tervuren | €105,597 | €109,258 | 19.4% | - |
These companies have the same main activity as NOVIGA: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €106,000 and €119,000, founded between 2017 and 2018.
Official details
Source: KBO- Status
- Active since 09-01-2018Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 4 others
- Establishment unit
- 2.271.899.9503060 Bertem, since 09-01-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 07-01-2026
Annual accounts 2025
- €111,710▼ 9.1%
- Filing
- Filed on 25-02-2026, 156 days before the end of the filing period
Insights on NOVIGA
NOVIGA files the micro format. That format states no turnover. The gross margin rose from €41,222 in 2018 to €102,155 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about NOVIGA
- What is the company number of NOVIGA?
- The company number of NOVIGA is 0687.727.129. The VAT number is the same number with BE in front: BE 0687.727.129.
- Where is NOVIGA based?
- The registered office is at Grauwe Steenberg 12, 3060 Bertem.Company details
- What does NOVIGA do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of NOVIGA?
- NOVIGA is a private limited company (BV).
- When was NOVIGA founded?
- NOVIGA was founded on 09-01-2018.
- Is NOVIGA still active?
- Yes, NOVIGA is an active enterprise in the KBO register.
- What is the turnover of NOVIGA?
- The turnover in financial year 2025 is ≈ €160,000. This figure is estimated from the gross margin of €102,155 and 42 comparable companies (NACE 62200). It probably lies between €140,000 and €200,000.Financials
- Is NOVIGA profitable?
- In financial year 2025, NOVIGA made a profit of €70,537.
- Where can I find the annual accounts of NOVIGA?
- NOVIGA filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of NOVIGA due?
- NOVIGA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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