NOVIUM
ActiveSummary
NOVIUM has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €145k and a net result of €37k. Equity is growing by ~22.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 32.15 against 21.79 in 2024; short-term debt: 2.9% and cash: 86% of total assets), and 3.6% of the assets are financed with debt.
Credit advice for your own amount and term
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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
96.4%
Return on assets
24.6%
Age of the figures
9 mo
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
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 12-05-2026, 80 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
80 d early
2024
30 d late
2023
24 d late
2022
31 d late
2021
29 d late
2020
31 d late
2019
92 d late
← 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
Turnover
€113k
EBIT margin
14.9%
Net result
€37k▲ 11.3%
2024 · €33k
2019: €33k
2020: €8k
2021: €11k
2022: €10k
2023: €32k
2024: €33k
2019 → 2025
Working capital
€138k▲ 7.3%
2024 · €128k
2019: €44k
2020: €51k
2021: €63k
2022: €67k
2023: €92k
2024: €128k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€113k-
Equity€64k-€74k▲ 15.3%€106k▲ 43.3%€139k▲ 31.4%€145k▲ 4.3%
Operating result€17k-€14k▼ 14.5%€45k▲ 213%€47k▲ 4.5%€49k▲ 4.2%
Net result€11k-€10k▼ 9.1%€32k▲ 226%€33k▲ 4.1%€37k▲ 11.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 4% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €151k
Fixed assets
€8k ▼ 28.7%
Current assets
€142k ▲ 5.7%
Equity and liabilities €151k
Equity
€145k ▲ 4.3%
Debt
€5k ▼ 24.2%
Debt's share of the balance-sheet total falls from 4.8% to 3.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€53k▲
2024 · €51k
Cash flow
€41k▲
2024 · €38k
Current ratio
32.15▲
2024 · 21.79
Debt to equity
0.04▼
2024 · 0.05
ROE
25.5%▲
2024 · 23.9%
ROA
24.6%▲
2024 · 22.8%
Interest coverage
22.45▼
2024 · 86.99
Debt ≤ 1 year
€4k▼
2024 · €6k
Income taxes
€9k▼
2024 · €13k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€146k€151k▲
Fixed assets21/28€12k€8k▼
Tangible fixed assets22/27€12k€8k▼
Land and buildings22€5k€5k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€7k€1k▼
Current assets29/58€135k€142k▲
Amounts receivable within one year40/41€26k€8k▼
Trade receivables40€18k€1k▼
Other amounts receivable41€7k€7k▲
Cash at bank and in hand54/58€107k€130k▲
Deferred charges and accrued income490/1€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€146k€151k▲
Equity10/15€139k€145k▲
Contributions10/11€12k€12k=
Reserves13€127k€96k▼
Distributable reserves133€127k€96k▼
Profit (loss) carried forward14-€37k
Amounts payable17/49€7k€5k▼
Amounts payable within one year42/48€6k€4k▼
Trade debts44€1k€316▼
Suppliers440/4€1k€316▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€2k€80▼
Accrued charges and deferred income492/3€900€943▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8€387-
Non-recurring operating charges66A-€2k
Gross operating margin9900€52k€55k▲
Operating profit (loss)9901€47k€49k▲
Financial income75/76B€115€5▼
Recurring financial income75€115€5▼
Financial charges65/66B€591€2k▲
Recurring financial charges65€591€2k▲
Profit (loss) for the period before taxes9903€46k€47k▲
Income taxes67/77€13k€9k▼
Profit (loss) for the period9904€33k€37k▲
Profit (loss) for the period to be appropriated9905€33k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€37k▲
Transfer from equity791/2-€31k
Transfer to equity691/2€33k€0▼
To other reserves6921€33k€0▼
Profit to be distributed694/7-€31k
Return on contributions (dividend)694-€31k
The notes to these accounts (7 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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €37k ▲11.3%
Net result €37k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 21.79
Current ratio from 8.09 to 21.79; short-term debt falls from €13k to €6k.
24-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
31-12
Financial
Equity above €100kEq €106k ▲43.3%
5 profitable years in a row build equity to €106k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €8k ▼75.8%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Overijse · 1 establishment unit since 2018
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.
Borrestraat 163090 OverijseGround area
1,365 m²
Building footprint
303 m²
Volume, LiDAR
1,771 m³
2 parcels, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NOVIUM
since 20182.276.808.348
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23542H0234/00K000 | Flanders | 1,044 m² | 1 · 140 m² | 8.6 m · 2 fl. |
| 23542H0102/00F003 | Flanders | 321 m² | 1 · 164 m² | 9.6 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.
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POLYGOAT
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Peer · Eq €145,326
LIEVER
BE 1003.777.972
Scherpenheuvel-Zichem · Eq €145,234
STORREX
BE 0883.625.656
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 15,356 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
Founded02-03-2018
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.