NOWA HR

Active

Private limited companyfounded 20224 yrs activeBrusselsesteenweg 6, 9050 Gent, BelgiumKBO/BCE: BE 0783.699.820

NOWA HR has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €600. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 314 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

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Checked score

Score 2025

47 / 100

Fair

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

Axes · tick = 2024

Profitability51▼-33

Solvency28▼-16

Growth32▼-46

Track record94

Bankruptcy probability, 12 months

1.0% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity short (current ratio 0.92 against 1.06 in 2024; short-term debt: 97% and cash: 19.1% of total assets), and 97.1% 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

Seven 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

Lower-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 78

Relative position

BE, all sectors

reference

Sector 78

lower

← 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 2025

Solvency, return and age of the figures

Solvency

2.9%

Return on assets

0.1%

Age of the figures

9 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 314 sector peers (2025).

NBB · sector comparison

Position among 314 sector peers

Solvency

better than 23%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

2 d early

2024

87 d early

2023

75 d early

2022

76 d early

← before the deadline after the deadline →

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 months

Position in the running window

16-09-2026 today31-12-2026 close31-07-2027 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 2025, abbreviated schema

Equity

€16k▼ 84.8%

2024 · €102k

2022: €25k 2023: €35k 2024: €102k

2022 → 2025

Total assets

€530k▼ 3.5%

2024 · €549k

2022: €120k 2023: €507k 2024: €549k

2022 → 2025

Net result

€600▼ 99.1%

2024 · €67k

2022: €10k 2023: €10k 2024: €67k

2022 → 2025

Working capital

€-40k

2024 · €27k

2022: €-5k 2023: €-31k 2024: €27k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€25k-€35k▲ 38.7%€102k▲ 191%€16k▼ 84.8%

Operating result€15k-€21k▲ 46.6%€95k▲ 342%€21k▼ 77.6%

Net result€10k-€10k▼ 5.6%€67k▲ 584%€600▼ 99.1%

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

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 78% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €530k

11%

89.4%

Fixed assets €56k▼ 28.0%

Current assets €474k▲ 0.5%

Equity and liabilities €530k

97.1%

Equity €16k▼ 84.8%

Debt €514k▲ 15.1%

The debt ratio rises from 81.3% to 97.1%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€49k▼

2024 · €122k

Cash flow

€28k▼

2024 · €94k

Solvency

2.9%▼

2024 · 18.7%

Current ratio

0.92▼

2024 · 1.06

Quick ratio

0.92▼

2024 · 1.06

Debt / equity

32.95▲

2024 · 4.36

ROE

3.8%▼

2024 · 65.6%

ROA

0.1%▼

2024 · 12.2%

Interest coverage

3.90▼

2024 · 30.92

Debt

€514k▲

2024 · €447k

Debt ≤ 1 year

€514k▲

2024 · €444k

Income taxes

€8k▼

2024 · €24k

Staff costs

€695k▲

2024 · €387k

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 · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€549k€530k▼

Fixed assets21/28€78k€56k▼

Intangible fixed assets21€4k€7k▲

Tangible fixed assets22/27€74k€49k▼

Plant, machinery and equipment23€2k€2k▼

Furniture and vehicles24€72k€48k▼

Current assets29/58€471k€474k▲

Amounts receivable within one year40/41€418k€361k▼

Trade receivables40€417k€344k▼

Other amounts receivable41€932€16k▲

Cash at bank and in hand54/58€48k€101k▲

Deferred charges and accrued income490/1€5k€12k▲

Equity and liabilities

Total equity and liabilities10/49€549k€530k▼

Equity10/15€102k€16k▼

Contributions10/11€15k€15k=

Profit (loss) carried forward14€87k€600▼

Amounts payable17/49€447k€514k▲

Amounts payable after more than one year17€3k-

Financial debts170/4€3k-

Amounts payable within one year42/48€444k€514k▲

Current portion of amounts payable after more than one year42€34k€7k▼

Trade debts44€215k€252k▲

Suppliers440/4€215k€252k▲

Taxes, remuneration and social security45€128k€128k▲

Taxes450/3€89k€70k▼

Remuneration and social security454/9€38k€59k▲

Other amounts payable47/48€68k€126k▲

Accrued charges and deferred income492/3€66€67▲

Income statement Code20242025

Non-recurring operating income76A€3k€333▼

Remuneration, social security and pensions62€387k€695k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€28k▲

Other operating charges640/8€2k€2k▲

Gross operating margin9900€511k€745k▲

Operating profit (loss)9901€95k€21k▼

Financial income75/76B€1€25▲

Recurring financial income75€1€25▲

Financial charges65/66B€4k€13k▲

Recurring financial charges65€4k€13k▲

Profit (loss) for the period before taxes9903€91k€9k▼

Income taxes67/77€24k€8k▼

Profit (loss) for the period9904€67k€600▼

Profit (loss) for the period to be appropriated9905€67k€600▼

Appropriation of the result

Profit (loss) to be appropriated9906€87k€88k▲

Profit (loss) brought forward from the previous period14P€20k€87k▲

Profit to be distributed694/7-€87k

Return on contributions (dividend)694-€87k

Social balance

Average headcount (FTE)9087-9.9

The notes to these accounts (10 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 7Financial 3Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

29-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

31-12

Financial Weakest financial yearnet €600 ▼99.1%

Net result drops to €600, the lowest in the series.

05-05

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2022net €67k ▲584%

Operating result €95k, net result €67k, both a record.

31-12

Financial Equity above €100kEq €102k ▲191%

3 profitable years in a row build equity to €102k.

17-05

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

16-05

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

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

Directors · office · real estate

Directors

4 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, Gent · 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.

Brusselsesteenweg 69050 Gent

Ground area

3,071 m²

Building footprint

522 m²

Volume, LiDAR

107 m³

Parcel 44032A0520/00A000, Flanders · tallest building 8.1 m. Linked by address, not a title deed.

1 establishment unit

NOWA HR

Brusselsesteenweg 6, 9050 GentFinancial service activities, except insurance and pension funding

since 20222.329.354.931

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44032A0520/00A000	Flanders	3,071 m²	1 · 522 m²	8.1 m

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.

Public money · subsidies and aid

Flemish government

2023 to 2024 · 2 entries · 399 EUR awarded · 128 EUR paid

Year	Entries	awarded	paid
2024	1	256 EUR	128 EUR
2023	1	143 EUR	0 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

2 entries · 399 EUR · 128 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Houthalen-Helchteren · Eq €15k

Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 787 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded22-03-2022

Fiscal year end31-12

Activities, NACEBEL

78100Employment placement agencies

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.