Active BE 0891.614.793Private limited company

Nu-Mo PERS

Izegemsestraat(Heu) 366 ·8501 Kortrijk, Belgium· 19 yrs active

Sector: General electrical installation work (43211)

Conclusion Checked

Nu-Mo PERS has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €85k and a net result of €8k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 52% of 26784 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€85k
Net result	€8k
Better than sector	52%
Active	19 yrs

Financial profile 5 of 5 axes measured · computed by Checked

63 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 57

Profitability 47

Solvency 61

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.7% Low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2007, 19 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

57 / 100 Fair

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€5k

estimate, not credit advice

Score history

53 2021

64 2022

33 2023

41 2024

57 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 0.11 (< 1.0) -10

Quick ratio Quick ratio 0.11 (< 0.6) -5

Leverage Debt/equity 1.05 (< 2.0) +3

Profitability ROE 9% +3

Interest coverage Interest coverage 11.2× (≥ 3×) +8

Profit trend Net profit up YoY +5

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview18 NBB filings

Annual accounts filed on 24-04-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Equity: stable across 5 fiscal years (±2.1%/year).

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 43, Specialised construction activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	48.8%	47.4%	better than 52% of 26784 sector peers
Net result	€8k	€10k	better than 46% of 26776 sector peers
Equity	€85k	€60k	better than 61% of 26794 sector peers
Gross operating margin	€25k	€39k	better than 37% of 26754 sector peers
Total assets	€174k	€141k	better than 57% of 26788 sector peers

EBITDA

€23k

+58.4% 21-25

Net profit

€8k

- 21-25

Cash flow

€21k

+72.2% 21-25

Total assets

€174k

-7.4% 21-25

Equity

€85k

+10.5% 21-25

Working capital

€-53k

+13.3% 21-25

Income taxes

€405

+11.8% 21-25

Debt

€89k

-19.8% 21-25

Debt ≤ 1y

€59k

-13.9% 21-25

Debt > 1y

€30k

-29.3% 21-25

Current ratio

0.11

-4.8% 21-25

Quick ratio

0.11

-4.8% 21-25

Solvency

48.8%

+19.3% 21-25

Debt / equity

1.05

-27.4% 21-25

ROE

9.5%

- 21-25

ROA

4.6%

- 21-25

Interest coverage

11.23

+72.2% 21-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	micro schema	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-	-
EBITDA	€23k	€15k	€18k	€54k	€54k
Net profit	€8k	€-6k	€-7k	€19k	€10k
Cash flow	€21k	€12k	€16k	€43k	€43k
Staff costs	-	-	-	-	-
Income taxes	€405	€362	€779	€9k	€9k
Dividends	-	-	-	-	-
Total assets	€174k	€188k	€202k	€246k	€278k
Equity	€85k	€77k	€83k	€90k	€71k
Debt	€89k	€111k	€119k	€156k	€207k
of which ≤ 1y	€59k	€69k	€64k	€87k	€118k
of which > 1y	€30k	€43k	€55k	€69k	€89k
Working capital	€-53k	€-61k	€-61k	€-62k	€-83k
Employees (FTE)	-	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	0.11	0.12	0.05	0.28	0.30
Quick ratio	0.11	0.12	0.05	0.28	0.30
Working capital ratio	-30.1%	-32.2%	-30.1%	-25.3%	-29.8%
Solvency	48.8%	40.9%	41.0%	36.5%	25.5%
Debt / equity	1.05	1.45	1.44	1.74	2.92
Long-term debt ratio	0.35	0.55	0.67	0.77	1.25
Interest coverage	11.23	6.52	9.20	23.88	20.16
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	4.6%	-3.0%	-3.5%	7.7%	3.4%
ROE	9.5%	-7.4%	-8.6%	20.9%	13.5%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	-	-	-	-	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €168k · 96.2% Current assets €7k · 3.8%

Equity & liabilities

Equity €85k · 48.8% Debt €89k · 51.2%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€174k	€188k	€202k	€246k	€278k
Fixed assets	21/28	€168k	€180k	€199k	€221k	€243k
Tangible fixed assets	22/27	€168k	€180k	€199k	€221k	€243k
Financial fixed assets	28	€40	€40	€40	€40	€40
Current assets	29/58	€7k	€8k	€3k	€24k	€36k
Amounts receivable within one year	40/41	€6k	€2k	€2k	€12k	€26k
Cash & bank	54/58	€437	€6k	€1k	€13k	€9k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€174k	€188k	€202k	€246k	€278k
Equity	10/15	€85k	€77k	€83k	€90k	€71k
Contributions / capital	10/11	€19k	€19k	€19k	€19k	€19k
Reserves	13	€71k	€71k	€71k	€71k	€52k
Accumulated profits (losses)	14	€-5k	€-13k	€-7k	-	-
Amounts payable	17/49	€89k	€111k	€119k	€156k	€207k
Amounts payable after one year	17	€30k	€43k	€55k	€69k	€89k
Amounts payable within one year	42/48	€59k	€69k	€64k	€87k	€118k
Trade debts payable within one year	44	€339	€3k	€9	€1k	€19k
Income statement
Gross operating margin	9900	€25k	€16k	€20k	€56k	€56k
Operating result	9901	€11k	€-3k	€-4k	€30k	€21k
Financial income	75	€1	€1	€24	€10	€17
Financial charges	65	€2k	€2k	€2k	€2k	€3k
Result before taxes	9903	€8k	€-5k	€-6k	€28k	€19k
Income taxes	67/77	€405	€362	€779	€9k	€9k
Net result for the period	9904	€8k	€-6k	€-7k	€19k	€10k
Result to be appropriated	9905	€8k	€-6k	€-7k	€19k	€18k

Directors & mandates 2 directors

Current directors & mandates

MORTIER Mieke
Non-statutory director
State Gazette act 23433178 (22-11-2023)

Current
01-01-2020 → present
2 events
- 01-01-2020 Resigned· Non-statutory director
- 01-01-2020 Appointed· Non-statutory director
NUYTENS Marc
Non-statutory director
State Gazette act 23433178 (22-11-2023)

Current
01-01-2020 → present
2 events
- 01-01-2020 Resigned· Non-statutory director
- 01-01-2020 Appointed· Non-statutory director

Legal Structure

NACE primary	General electrical installation work(43211)
Legal form	Private limited company(610)
Incorporation	24-08-2007
Status	Active
Postal code	8501

Establishment units 1 location

Nu-Mo PERS

Izegemsestraat(Heu) 366, 8501 KortrijkNACE 2852002

since 20072.165.232.218

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
34016B0552/00G003	Flanders	508 m²	1 · 124 m²	7.0 m · 2 fl.

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.

Updates 11 events

All 14Financial 3Gazette 1Filings 10

Next filing, fiscal year 2026, expected by 30-04-2027

2026

24-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-09

Financial Back to profitnet €8k

Net result €8k after 2 loss-making years.

23-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

20-04

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

22-11

State Gazette act Director changes

Thierry Devos · correction

30-09

Financial Weakest financial yearnet €-7k ▼138%

Net result drops to €-7k, the lowest in the series; recovery starts the following year.

06-04

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

30-09

Financial Highest result since 2021net €19k ▲96.5%

Operating result €30k, net result €19k, both a record.

20-04

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

26-04

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

25-04

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

22-04

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

09-05

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 9 days late

2017

08-05

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema · 8 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2023

22-11-2023 2 directors appointed, 2 resigning Director changes·Thierry Devoscorrection

NUYTENS Marc, Niet-statutair bestuurder
MORTIER Mieke, Niet-statutair bestuurder
NUYTENS Marc, Niet-statutair bestuurder
MORTIER Mieke, Niet-statutair bestuurder

Notary: Thierry Devos · Wervik

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

General electrical installation work4321145310Machining of metals2553028520Agents in the wholesale of timber and building materials46130Other business support services82990

Names & trade names

Legal nameNL

Nu-Mo PERS

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