Novio Construct
ActiveSummary
Novio Construct has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €62,317 and a net result of €59,317. Its solvency ranks better than 55% of 9268 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes
Profitability100
Solvency63
Growth-
Track record67
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity ample (current ratio 1.59; short-term debt: 62% and cash: 53.9% of total assets), but 62% of the assets are financed with debt.
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Signals
Four 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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
38%
Return on assets
36.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
21 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€62,317
Total assets
€164,132
Net result
€59,317
Working capital
€60,572
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €164,132
Fixed assets
€1,745
Current assets
€162,387
Equity and liabilities €164,132
Equity
€62,317
Debt
€101,815
Debt finances 62.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€79,971
Cash flow
€59,504
Current ratio
1.59
Quick ratio
1.44
Debt to equity
1.63
ROE
95.2%
ROA
36.1%
Interest coverage
229.46
Debt ≤ 1 year
€101,815
Income taxes
€20,118
Annual accounts
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €187 |
| Other operating charges640/8 | €15 |
| Gross operating margin9900 | €79,986 |
| Operating profit (loss)9901 | €79,784 |
| Financial charges65/66B | €349 |
| Recurring financial charges65 | €349 |
| Profit (loss) for the period before taxes9903 | €79,435 |
| Income taxes67/77 | €20,118 |
| Profit (loss) for the period9904 | €59,317 |
| Profit (loss) for the period to be appropriated9905 | €59,317 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €164,132 | |
| Fixed assets21/28 | €1,745 | |
| Tangible fixed assets22/27 | €1,745 | |
| Plant, machinery and equipment23 | €568 | |
| Furniture and vehicles24 | €1,177 | |
| Current assets29/58 | €162,387 | |
| Stocks and contracts in progress3 | €15,590 | |
| Contracts in progress37 | €15,590 | |
| Amounts receivable within one year40/41 | €57,714 | |
| Trade receivables40 | €27,900 | |
| Other amounts receivable41 | €29,814 | |
| Cash at bank and in hand54/58 | €88,529 | |
| Deferred charges and accrued income490/1 | €553 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €164,132 | |
| Equity10/15 | €62,317 | |
| Contributions10/11 | €3,000 | |
| Reserves13 | €59,317 | |
| Distributable reserves133 | €59,317 | |
| Amounts payable17/49 | €101,815 | |
| Amounts payable within one year42/48 | €101,815 | |
| Trade debts44 | €71,812 | |
| Suppliers440/4 | €71,812 | |
| Taxes, remuneration and social security45 | €29,818 | |
| Taxes450/3 | €29,818 | |
| Other amounts payable47/48 | €184 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €59,317 |
| + Depreciation and write-downs630 | €187 |
| Operating cash flow (approximation) | €59,504 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Herent · 1 establishment unit since 2024
Ground area
4,682 m²
Building footprint
943 m²
Volume, LiDAR
6,604 m³
Parcel 24423H0002/00C000, Flanders · tallest building 13.3 m, ±2 floors. Linked by address, not a title deed.
10
companies at this address
See who is registered here
1 establishment unit
Novio Construct
since 20242.369.153.635
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24423H0002/00C000 | Flanders | 4,682 m² | 1 · 943 m² | 13.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Similar companies · same sector, comparable size
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Of 9,698 companies in sector 68121 we hold annual accounts for 7,385. 5,154 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded26-12-2024
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Scores and ratios are computed by Checked and are not a credit decision.