Equity
-€5,458
Debts exceed assets in financial year 2024.
NPLC
Lifetime
5 annual accounts with figures on one time axispeak €1,898 (2024)
€1,898▲ €7,692
lowest -€7,292 (2023)
€773▲ €8,065
peak €2,332 (2020)
-€5,458▲ €773
€7,734▼ 16.8%
Board1 name since 2019
1 directorNancy BRESMAL
Documentsfilings and deeds
11-09-202542 days late
2024micro format
Gross margin from -€5,794 to €1,898Back to profit: €773Equity from -€6,231 to -€5,458Debts from €9,295 to €7,734
Key points
from the 2024 annual accountsChecked score
36
Weak
Financially stronger than 45% of micro companies without a NACE code
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
6.4% Elevated
0%0.5%1.5%4%10%≥ 25%
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.4%
01-2025: 2.3%▼ -0.1 percentage points vs 12-2024lowest value
02-2025: 2.3%● unchanged vs 01-2025lowest value
03-2025: 2.4%▲ +0.1 percentage points vs 02-2025
04-2025: 2.4%● unchanged vs 03-2025
05-2025: 2.4%● unchanged vs 04-2025
06-2025: 2.4%● unchanged vs 05-2025
07-2025: 2.5%▲ +0.1 percentage points vs 06-2025
08-2025: 3.7%▲ +1.2 percentage points vs 07-2025
09-2025: 4.1%▲ +0.4 percentage points vs 08-2025
10-2025: 2.5%▼ -1.6 percentage points vs 09-2025
11-2025: 2.5%● unchanged vs 10-2025
12-2025: 2.5%● unchanged vs 11-2025
01-2026: 2.5%● unchanged vs 12-2025
02-2026: 2.5%● unchanged vs 01-2026
03-2026: 2.5%● unchanged vs 02-2026
04-2026: 2.6%▲ +0.1 percentage points vs 03-2026
05-2026: 2.6%● unchanged vs 04-2026
06-2026: 2.6%● unchanged vs 05-2026
07-2026: 2.7%▲ +0.1 percentage points vs 06-2026
08-2026: 3.7%▲ +1.0 percentage point vs 07-2026
09-2026: 3.8%▲ +0.1 percentage points vs 08-2026
10-2026: 6.4%▲ +2.6 percentage points vs 09-2026highest value
11-2026: 6.4%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Figures for financial year 2024 (filed on 12-09-2025)
No main activity registered
1 financial year not filed after the legal deadline; last filed accounts filed 42 days late; 1 of the last 3 accounts late
lowers risk
Size: total assets €2,276
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 5% of them on solvency, 16% on liquidity, 90% on profitability and 70% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,180 companies had the same profile as NPLC has now. Each dot stands for 6 companies, two years later.
88.7%
were still trading
5.8%
stopped another way
4.8%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of NPLC itself is higher: 6.4% within 12 months. It rests on far more data about NPLC than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,180 companies, not a prediction for NPLC. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 100 days later.
NBB · 5 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline08-11-2026 today
raises risk · 2024 accounts filed 42 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-09-2025, 42 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filingsDeviation from the deadline
2025
not filed
2024
42 days late
2023
30 days late
2022
28 days late
2021
26 days late
2020
100 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 5 accounts on average 5 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0719777117
Change of role: Nancy BRESMAL, from manager to director
Director discharge: Nancy BRESMAL · 1,000 shares · General meeting of 15-12-2023 · Gazette deed
Incorporation
published on 06-02-2019 · Gazette deed
First establishment
Chaussée de Marche 524, Namur
Official details
Source: KBO- Status
- Active since 04-02-2019Normal situation
- Activity
- “L’achat,la vente et la diffusion de marques et propriétés intellectuelles ;” (deed in French)From the articles, 14 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.288.312.2515101 Namur, since 04-02-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 19-12-2025
Insights on NPLC
NPLC files the micro format. That format states no turnover. The gross margin rose from -€3,300 in 2020 to €1,898 in 2024.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about NPLC
- What is the company number of NPLC?
- The company number of NPLC is 0719.777.117. The VAT number is the same number with BE in front: BE 0719.777.117.
- Where is NPLC based?
- The registered office is at Chaussée de Marche 524, 5101 Namur.Company details
- What is the legal form of NPLC?
- NPLC is a private limited company (BV).
- When was NPLC founded?
- NPLC was founded on 04-02-2019.
- Is NPLC still active?
- Yes, NPLC is an active enterprise in the KBO register.
- What is the turnover of NPLC?
- The turnover in financial year 2024 is ≈ €14,000. This figure is estimated from the gross margin of €1,898 and 6,299 comparable companies of the same size. It probably lies between €6,600 and €35,000. It is a rough estimate.Financials
- Is NPLC profitable?
- In financial year 2024, NPLC made a profit of €773.
- Where can I find the annual accounts of NPLC?
- NPLC filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
Next steps
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