NOVOO BUILD

Active

Private limited companyfounded 20223 yrs activeJagersdal 124, 1600 Sint-Pieters-Leeuw, BelgiumKBO/BCE: BE 0791.792.885

The computed 12-month bankruptcy probability of NOVOO BUILD is 2.1% (moderate). The 2026 annual accounts show equity of €61k and a net result of €29k. Equity is growing by ~71.9% per year across the filed fiscal years. Its solvency ranks better than 74% of 163 sector peers (fiscal year 2026). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2026

74 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2025

Profitability100=

Solvency100=

Growth78=

Track record94

Bankruptcy probability, 12 months

2.1% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €4.5k at 30 days acceptable

Liquidity ample (current ratio 5.3 against 3.98 in 2025; short-term debt: 18.6% and cash: 5.3% of total assets), and 18.6% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2026

Solvency, return and age of the figures

Solvency

81.4%

Return on assets

38.2%

Age of the figures

8 mo

Filed after the deadline

The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 08-09-2026, 8 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 · 3 filings

Deviation from the deadline

2026

8 d late

2025

12 d late

2024

33 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

20-09-2026 today31-01-2027 close31-08-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2026, micro schema

Equity

€61k▲ 88.4%

2025 · €32k

2024: €14k 2025: €32k

2024 → 2026

Total assets

€75k▲ 82.3%

2025 · €41k

2024: €50k 2025: €41k

2024 → 2026

Net result

€29k▲ 59.4%

2025 · €18k

2024: €11k 2025: €18k

2024 → 2026

Working capital

€60k▲ 131%

2025 · €26k

2024: €6k 2025: €26k

2024 → 2026

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202420252026Trend

Equity€14k-€32k▲ 125%€61k▲ 88.4%

Operating result€15k-€23k▲ 56.6%€37k▲ 57.3%

Net result€11k-€18k▲ 57.4%€29k▲ 59.4%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has risen two years in a row; 2026 is 57% above 2025 and is the highest result in the available series.

Balance-sheet composition

2026 in colour, 2025 as the grey bar beneath

Assets €75k

98.6%

Fixed assets €1k▼ 83.6%

Current assets €74k▲ 113%

Equity and liabilities €75k

81.4%

18.6%

Equity €61k▲ 88.4%

Debt €14k▲ 59.8%

The debt ratio falls from 21.2% to 18.6%. Equity and debt are higher.

Key figures and ratios

2026 value · change against 2025

EBITDA

€42k▲

2025 · €29k

Cash flow

€34k▲

2025 · €23k

Solvency

81.4%▲

2025 · 78.8%

Current ratio

5.30▲

2025 · 3.98

Quick ratio

5.30▲

2025 · 3.98

Debt / equity

0.23▼

2025 · 0.27

ROE

46.9%▼

2025 · 55.5%

ROA

38.2%▼

2025 · 43.7%

Interest coverage

216.22▲

2025 · 88.02

Debt

€14k▲

2025 · €9k

Debt ≤ 1 year

€14k▲

2025 · €9k

Income taxes

€8k▲

2025 · €5k

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 · 2026 against 2025

Balance sheet Code20252026

Assets

Total assets20/58€41k€75k▲

Fixed assets21/28€6k€1k▼

Tangible fixed assets22/27€6k€1k▼

Furniture and vehicles24€6k€1k▼

Current assets29/58€35k€74k▲

Amounts receivable within one year40/41€24k€70k▲

Trade receivables40€4k€42k▲

Other amounts receivable41€19k€28k▲

Cash at bank and in hand54/58€11k€4k▼

Equity and liabilities

Total equity and liabilities10/49€41k€75k▲

Equity10/15€32k€61k▲

Contributions10/11€3k€3k=

Profit (loss) carried forward14€29k€58k▲

Amounts payable17/49€9k€14k▲

Amounts payable within one year42/48€9k€14k▲

Trade debts44€4k€6k▲

Suppliers440/4€1k€4k▲

Bills of exchange payable441€3k€2k▼

Taxes, remuneration and social security45€5k€8k▲

Taxes450/3€5k€8k▲

Income statement Code20252026

Remuneration, social security and pensions62€136-

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=

Other operating charges640/8€1k€698▼

Gross operating margin9900€30k€43k▲

Operating profit (loss)9901€23k€37k▲

Financial charges65/66B€327€195▼

Recurring financial charges65€327€195▼

Profit (loss) for the period before taxes9903€23k€37k▲

Income taxes67/77€5k€8k▲

Profit (loss) for the period9904€18k€29k▲

Profit (loss) for the period to be appropriated9905€18k€29k▲

Appropriation of the result

Profit (loss) to be appropriated9906€29k€58k▲

Profit (loss) brought forward from the previous period14P€11k€29k▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 2Filings 3

Next filing, fiscal year 2027, expected by 31-08-2027

2026

08-09

NBB filing Annual accounts filed

fiscal year 2026 · micro schema · 8 days late

31-01

Financial Highest result since 2024net €29k ▲59.4%

Operating result €37k, net result €29k, both a record.

2025

12-09

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 12 days late

31-01

Financial Liquidity triplescurrent ratio 3.98

Current ratio from 1.16 to 3.98; short-term debt falls from €36k to €9k.

2024

03-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 33 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 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, Sint-Pieters-Leeuw · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Jagersdal 1241600 Sint-Pieters-Leeuw

Ground area

398 m²

Building footprint

53 m²

Volume, LiDAR

513 m³

Parcel 23077B0488/00D002, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

NOVOO BUILD

Jagersdal 124, 1600 Sint-Pieters-LeeuwCivil engineering

since 20222.336.809.875

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23077B0488/00D002	Flanders	398 m²	1 · 53 m²	11.5 m · 3 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel 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

Ingelmunster · Eq €61k

Of 15,529 companies in sector 43990 we hold annual accounts for 7,421. 6,182 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-10-2022

Fiscal year end31-01

Activities, NACEBEL

43990Other specialised construction activities

43999Specialised construction activities

43230Insulation installation

43291Specialised construction activities

43350Other building finishing work

47221Retail sale of meat and meat products, excluding game and poultry

81210General cleaning of buildings

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.