NOW.be
ActiveSummary
NOW.be has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €208,065 and a net result of €14,401. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 47% of 2071 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability72▲+6
Solvency65▲+7
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity ample (current ratio 1.73 against 1.46 in 2024; short-term debt: 57.2% and cash: 27.8% of total assets), but 59.6% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer bankruptcies
← 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
40.4%
Return on assets
2.8%
Age of the figures
9 mo
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 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
65 d early
2023
30 d late
2022
on the day
2021
1 d late
2020
58 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 6 days after the deadline; the sector median for financial year 2024 is 16 days before the deadline, and 32% of the sector filed late.
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. Usually files around 31 July (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€14,401▲ 86.6%
2024 · €7,717
Working capital
€214,641▲ 17.9%
2024 · €182,087
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 85, Education, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€31,851€81,368€31,467▼ 61.3%€10,509▼ 66.6%€19,196▲ 82.7%
Net result-€35,892below the sector's middle half€66,953above the sector's middle half€19,941within the sector's middle half▼ 70.2%€7,717within the sector's middle half▼ 61.3%€14,401within the sector's middle half▲ 86.6%
Equity€128,117within the sector's middle half▼ 21.9%€166,006within the sector's middle half▲ 29.6%€185,947within the sector's middle half▲ 12.0%€193,664above the sector's middle half▲ 4.1%€208,065above the sector's middle half▲ 7.4%
Total assets€522,243within the sector's middle half▼ 8.3%€589,754within the sector's middle half▲ 12.9%€629,977within the sector's middle half▲ 6.8%€595,657above the sector's middle half▼ 5.4%€515,439above the sector's middle half▼ 13.5%
Debt€394,127▼ 2.8%€423,748▲ 7.5%€444,030▲ 4.8%€401,994▼ 9.5%€307,374▼ 23.5%
Working capital€90,590within the sector's middle half▼ 38.5%€209,841within the sector's middle half▲ 132%€276,817within the sector's middle half▲ 31.9%€182,087above the sector's middle half▼ 34.2%€214,641above the sector's middle half▲ 17.9%
Solvency24.5%within the sector's middle half▼ 4.3pp28.1%within the sector's middle half▲ 3.6pp29.5%within the sector's middle half▲ 1.4pp32.5%within the sector's middle half▲ 3.0pp40.4%within the sector's middle half▲ 7.9pp
Current ratio1.23below the sector's middle half▼ 0.131.62within the sector's middle half▲ 0.391.85within the sector's middle half▲ 0.241.46within the sector's middle half▼ 0.391.73within the sector's middle half▲ 0.27
Return on assets (ROA)-6.9%below the sector's middle half▼ 21.5pp11.4%above the sector's middle half▲ 18.2pp3.2%within the sector's middle half▼ 8.2pp1.3%within the sector's middle half▼ 1.9pp2.8%within the sector's middle half▲ 1.5pp
Staff (FTE)2.5below the sector's middle half=2.8below the sector's middle half▲ 12.0%3.3below the sector's middle half▲ 17.9%1▼ 69.7%1=
above
within
below
the middle half (P25 to P75) of NACE 85, Education, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 83% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €515,439
Fixed assets
€6,106 ▼ 68.6%
Current assets
€509,333 ▼ 11.6%
Equity and liabilities €515,439
Equity
€208,065 ▲ 7.4%
Debt
€307,374 ▼ 23.5%
Debt's share of the balance-sheet total falls from 67.5% to 59.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€29,829▲
2024 · €21,409
Cash flow
€25,034▲
2024 · €18,617
Debt to equity
1.48▼
2024 · 2.08
ROE
6.9%▲
2024 · 4.0%
Interest coverage
9.41▲
2024 · 5.45
Debt ≤ 1 year
€294,692▼
2024 · €394,101
Income taxes
€6,327▲
2024 · €4,475
Staff costs
€22,065▲
2024 · €12,506
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.8%
went bankrupt
4.0%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 10,905 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €165,829 | €213,217 | €193,298 | €12,506 | €22,065 | ▲ 76.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,642 | €2,431 | €11,264 | €10,900 | €10,634 | ▼ 2.4% |
| Other operating charges640/8 | €1,256 | €2,729 | €12,571 | €199 | €4,592 | ▲ 2,208% |
| Non-recurring operating charges66A | €71 | €0 | - | - | - | - |
| Gross operating margin9900 | €146,947 | €299,746 | €248,601 | €34,115 | €56,487 | ▲ 65.6% |
| Operating profit (loss)9901 | -€31,851 | €81,368 | €31,467 | €10,509 | €19,196 | ▲ 82.7% |
| Financial income75/76B | €381 | €13 | €747 | €5,614 | €4,703 | ▼ 16.2% |
| Recurring financial income75 | €381 | €13 | €747 | €5,614 | €4,703 | ▼ 16.2% |
| Financial charges65/66B | €4,275 | €2,317 | €2,874 | €3,932 | €3,171 | ▼ 19.4% |
| Recurring financial charges65 | €4,275 | €2,317 | €2,874 | €3,932 | €3,171 | ▼ 19.4% |
| Profit (loss) for the period before taxes9903 | -€35,745 | €79,065 | €29,341 | €12,192 | €20,728 | ▲ 70.0% |
| Income taxes67/77 | €146 | €12,111 | €9,400 | €4,475 | €6,327 | ▲ 41.4% |
| Profit (loss) for the period9904 | -€35,892 | €66,953 | €19,941 | €7,717 | €14,401 | ▲ 86.6% |
| Profit (loss) for the period to be appropriated9905 | -€35,892 | €66,953 | €19,941 | €7,717 | €14,401 | ▲ 86.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €522,243 | €589,754 | €629,977 | €595,657 | €515,439 | ▼ 13.5% |
| Fixed assets21/28 | €38,563 | €39,131 | €27,867 | €19,469 | €6,106 | ▼ 68.6% |
| Intangible fixed assets21 | €30,000 | €29,973 | €19,974 | €9,975 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €3,318 | €1,913 | €648 | €1,988 | €1,329 | ▼ 33.1% |
| Furniture and vehicles24 | €3,318 | €1,913 | €648 | €1,988 | €1,329 | ▼ 33.1% |
| Financial fixed assets28 | €5,245 | €7,245 | €7,245 | €7,507 | €4,777 | ▼ 36.4% |
| Current assets29/58 | €483,680 | €550,624 | €602,111 | €576,188 | €509,333 | ▼ 11.6% |
| Amounts receivable after more than one year29 | - | - | €101,167 | €101,167 | €0 | ▼ 100% |
| Other amounts receivable291 | - | - | €101,167 | €101,167 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €378,678 | €447,342 | €307,481 | €286,492 | €331,898 | ▲ 15.8% |
| Trade receivables40 | €357,636 | €402,103 | €290,614 | €208,366 | €228,875 | ▲ 9.8% |
| Other amounts receivable41 | €21,042 | €45,239 | €16,867 | €78,125 | €103,023 | ▲ 31.9% |
| Cash at bank and in hand54/58 | €59,098 | €85,521 | €187,640 | €178,897 | €143,359 | ▼ 19.9% |
| Deferred charges and accrued income490/1 | €45,905 | €17,761 | €5,822 | €9,632 | €34,076 | ▲ 254% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €522,243 | €589,754 | €629,977 | €595,657 | €515,439 | ▼ 13.5% |
| Equity10/15 | €128,117 | €166,006 | €185,947 | €193,664 | €208,065 | ▲ 7.4% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €120,057 | €157,946 | €177,887 | €185,604 | €200,005 | ▲ 7.8% |
| Amounts payable17/49 | €394,127 | €423,748 | €444,030 | €401,994 | €307,374 | ▼ 23.5% |
| Amounts payable within one year42/48 | €393,090 | €340,783 | €325,293 | €394,101 | €294,692 | ▼ 25.2% |
| Current portion of amounts payable after more than one year42 | €5,041 | €6,716 | €6,782 | €6,789 | €0 | ▼ 100% |
| Financial debts43 | - | - | - | - | €6,765 | - |
| Credit institutions430/8 | - | - | - | - | €6,765 | - |
| Trade debts44 | €286,093 | €191,583 | €203,232 | €293,097 | €238,635 | ▼ 18.6% |
| Suppliers440/4 | €286,093 | €191,583 | €203,232 | €293,097 | €238,635 | ▼ 18.6% |
| Taxes, remuneration and social security45 | €29,706 | €29,062 | €40,040 | €19,709 | €31,314 | ▲ 58.9% |
| Taxes450/3 | €28,276 | €4,079 | €32,869 | €17,551 | €31,083 | ▲ 77.1% |
| Remuneration and social security454/9 | €1,430 | €24,983 | €7,170 | €2,159 | €231 | ▼ 89.3% |
| Other amounts payable47/48 | €72,251 | €113,421 | €75,239 | €74,506 | €17,979 | ▼ 75.9% |
| Accrued charges and deferred income492/3 | €1,037 | €82,966 | €118,736 | €7,893 | €12,682 | ▲ 60.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€35,892 | €66,953 | €19,941 | €7,717 | €14,401 | ▲ 86.6% |
| + Depreciation and write-downs630 | €11,642 | €2,431 | €11,264 | €10,900 | €10,634 | ▼ 2.4% |
| Operating cash flow (approximation) | -€24,250 | €69,385 | €31,205 | €18,617 | €25,034 | ▲ 34.5% |
| Investment in fixed assets (approximation) | - | -€2,999 | €0 | -€2,503 | €2,730 | ▲ 209% |
| Change in cash | - | €26,423 | €102,119 | -€8,743 | -€35,538 | ▼ 306% |
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
Next filing, fiscal year 2026, expected by
2026
15-09
State Gazette act
Appointment: Exploriosa-Ventorum (director)Permanent representative: Cédric Blanckaert5 facts ▸
State Gazette act
Appointment: Exploriosa-Ventorum (director)
Permanent representative: Cédric Blanckaert5 facts ▸
- General meeting, 01-09-2026
- Director appointment, Exploriosa-Ventorum (director)
- Permanent representative, Cédric Blanckaert (permanent representative)
- Board meeting, 01-09-2026
- Director appointment, Exploriosa-Ventorum (day-to-day manager)
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200,000Eq €208,065 ▲7.4%
4 profitable years in a row build equity to €208,065.
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €66,953
Net result €66,953 after one loss-making year.
31-12
Financial
Equity above €150,000Eq €166,006 ▲29.6%
Equity rises from €128,117 to €166,006.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 1 day late
2021
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 58 days late
2020
31-12
Financial
Back to profitnet €83,210
Net result €83,210 after one loss-making year.
31-12
Financial
Equity above €150,000Eq €164,008 ▲103%
Equity rises from €80,799 to €164,008.
Show earlier events
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet -€39,534
Net result drops to -€39,534, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 1 day late
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 8 acts read
About the unread acts
Of the 8 Belgian State Gazette acts we know for this company, 1 has been read. The other 7 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 director, 1 in day-to-day management, last change in 2026
Board 1
Exploriosa-Ventorum
CurrentDirector · since 01-09-2026 · Private limited company · perm. rep.: Cédric Blanckaert
Day-to-day management 1
Exploriosa-Ventorum
CurrentDay-to-day manager · since 01-09-2026 · Private limited company · perm. rep.: Cédric Blanckaert
Permanent representatives 1
Cédric Blanckaert
CurrentPermanent representative · since 01-09-2026 · for Exploriosa-Ventorum
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
7 of this company's 8 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Namur · 1 establishment unit since 2010
Ground area
566 m²
Building footprint
49 m²
Parcel 92009B0060/00A007, Wallonia. Linked by address, not a title deed.
1 establishment unit
NOW.be
since 20102.190.772.516
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92009B0060/00A007 | Wallonia | 566 m² | 1 · 49 m² | - |
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.
Mandate history
1 person since 2026, 1 in office
- Board
- Day-to-day management
| Name | Functions and periods |
|---|---|
| Exploriosa-Ventorum |
|
Structure & network
Owners and holdings
1 owner · 1 holdingOwners 1
-
1%
Holdings 1
-
100%
According to the 2025 annual accounts of NOW.be and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
1 current directorThe group is listed under Ownership & control below; here you explore it as a network.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Similar companies · same sector, comparable size
INSTITUT D'HYGIENE ET DE MEDECINE NATURELLE
BE 0430.618.335
Liège · Eq €207,306
JEAN-PAUL HÖPPNER
BE 0627.609.794
Maaseik · Eq €207,178
In2Learning International
BE 0429.121.070
Geraardsbergen · Eq €209,130
Architectuurwijzer
BE 0444.453.010
Hasselt · Eq €209,135
EQlibrium
BE 0783.233.329
Gent · Eq €206,956
Of 11,670 companies in sector 85599 we hold annual accounts for 1,329. 940 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
Founded04-08-2010
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
85599Other education
46500Wholesale of information and communication equipment
Contact
E-mail
info@now.be
Website
www.now.beNamur
E-invoicing
Reachable via Peppol
Peppol ID
0208:0828273694
Also
9925:BE0828273694
Registered
04-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.