NUMAGOLD
ActiveSummary
NUMAGOLD has been active since 1974 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21.8m and a net result of €2.8m. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 79% of 5048 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability62▲+2
Solvency98▼-2
Growth80▲+4
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,700,000 at 30 days acceptable
Liquidity ample (current ratio 3.65 against 19.13 in 2024; short-term debt: 26.9% and cash: 22% of total assets), and 27.1% 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
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
72.9%
Return on assets
9.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
24 d early
2023
14 d late
2022
26 d early
2021
17 d early
2020
39 d early
2019
13 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 14 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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 14 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
€432.7m▲ 35.6%
2024 · €319.1m
EBIT margin
1.0%▲ 0.4pp
2024 · 0.7%
Net result
€2.8m▲ 79.9%
2024 · €1.6m
Working capital
€21.3m▲ 15.5%
2024 · €18.4m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, 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
Turnover€201.6m▼ 22.9%€235.3m▲ 16.8%€217.6m▼ 7.6%€319.1m▲ 46.7%€432.7m▲ 35.6%
Operating result€2.5m▲ 170%€3.3m▲ 30.3%€1.9m▼ 44.1%€2.1m▲ 15.4%€4.5m▲ 110%
Net result€1.9mabove the sector's middle half▲ 321%€2.6mabove the sector's middle half▲ 42.7%€1.4mabove the sector's middle half▼ 48.8%€1.6mabove the sector's middle half▲ 15.4%€2.8mabove the sector's middle half▲ 79.9%
EBIT margin1.3%▲ 0.9pp1.4%▲ 0.1pp0.9%▼ 0.6pp0.7%▼ 0.2pp1.0%▲ 0.4pp
Equity€14.4mabove the sector's middle half▲ 14.7%€17.0mabove the sector's middle half▲ 18.3%€18.4mabove the sector's middle half▲ 7.9%€19.0mabove the sector's middle half▲ 3.0%€21.8mabove the sector's middle half▲ 14.8%
Total assets€16.9mabove the sector's middle half▲ 2.9%€19.0mabove the sector's middle half▲ 12.4%€20.5mabove the sector's middle half▲ 8.1%€20.0mabove the sector's middle half▼ 2.4%€29.8mabove the sector's middle half▲ 48.9%
Debt€1.7m▼ 44.5%€1.9m▲ 13.3%€2.1m▲ 9.6%€1.1m▼ 49.7%€8.1m▲ 651%
Working capital€14.7mabove the sector's middle half▲ 14.5%€16.6mabove the sector's middle half▲ 12.9%€17.9mabove the sector's middle half▲ 7.8%€18.4mabove the sector's middle half▲ 2.9%€21.3mabove the sector's middle half▲ 15.5%
Solvency85.2%above the sector's middle half▲ 8.8pp89.7%above the sector's middle half▲ 4.5pp89.6%above the sector's middle half▼ 0.1pp94.6%above the sector's middle half▲ 5.0pp72.9%above the sector's middle half▼ 21.7pp
Current ratio9.81above the sector's middle half▲ 4.599.74above the sector's middle half▼ 0.069.60above the sector's middle half▼ 0.1419.13above the sector's middle half▲ 9.533.65above the sector's middle half▼ 15.49
Return on assets (ROA)10.9%within the sector's middle half▲ 8.3pp13.9%above the sector's middle half▲ 3.0pp6.6%within the sector's middle half▼ 7.3pp7.8%within the sector's middle half▲ 1.2pp9.4%above the sector's middle half▲ 1.6pp
Staff (FTE)5within the sector's middle half▼ 3.8%5within the sector's middle half=5within the sector's middle half=5.7within the sector's middle half▲ 14.0%6within the sector's middle half▲ 5.3%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 110% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €29.8m
Fixed assets
€515,205 ▼ 13.6%
Current assets
€29.3m ▲ 50.9%
Equity and liabilities €29.8m
Equity
€21.8m ▲ 14.8%
Debt
€8.1m ▲ 651%
Debt's share of the balance-sheet total rises from 5.4% to 27.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€4.6m▲
2024 · €2.2m
Cash flow
€2.9m▲
2024 · €1.6m
Quick ratio
0.82▼
2024 · 3.18
Debt to equity
0.37▲
2024 · 0.06
ROE
12.9%▲
2024 · 8.2%
Interest coverage
73.41▲
2024 · 38.29
Debt ≤ 1 year
€8.0m▲
2024 · €1.0m
Income taxes
€940,150▲
2024 · €517,000
Staff costs
€927,384▲
2024 · €754,802
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,370 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% 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 31,370 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 |
|---|---|---|---|---|---|---|
| Operating income70/76A | €201.8m | €235.6m | €217.8m | €319.5m | €433.0m | ▲ 35.5% |
| Turnover70 | €201.6m | €235.3m | €217.6m | €319.1m | €432.7m | ▲ 35.6% |
| Other operating income74 | €226,218 | €253,699 | €232,791 | €296,083 | €306,812 | ▲ 3.6% |
| Non-recurring operating income76A | €1,653 | €0 | €23,016 | €12,313 | €0 | ▼ 100% |
| Operating charges60/66A | €199.3m | €232.3m | €216.0m | €317.3m | €428.4m | ▲ 35.0% |
| Goods for resale, raw materials and consumables60 | €196.9m | €231.1m | €213.9m | €315.2m | €426.0m | ▲ 35.2% |
| Purchases600/8 | €194.8m | €234.3m | €215.7m | €317.6m | €432.6m | ▲ 36.2% |
| Change in stocks: decrease (increase)609 | €2.0m | -€3.2m | -€1.7m | -€2.4m | -€6.5m | ▼ 170% |
| Services and other goods61 | €1.7m | €1.2m | €1.3m | €1.3m | €1.4m | ▲ 9.4% |
| Remuneration, social security and pensions62 | €621,830 | €636,748 | €701,144 | €754,802 | €927,384 | ▲ 22.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €69,851 | €48,671 | €43,121 | €78,892 | €80,973 | ▲ 2.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | -€4,571 | -€16,895 | €0 | ▲ 100% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | -€780,000 | €0 | - | - | - |
| Other operating charges640/8 | €19,564 | €19,079 | €27,959 | €46,880 | €27,491 | ▼ 41.4% |
| Operating profit (loss)9901 | €2.5m | €3.3m | €1.9m | €2.1m | €4.5m | ▲ 110% |
| Financial income75/76B | €5,289 | €15,772 | €22,917 | €66,023 | €298,116 | ▲ 352% |
| Recurring financial income75 | €5,289 | €15,772 | €22,917 | €66,023 | €298,116 | ▲ 352% |
| Income from current assets751 | €5,240 | €6,682 | €8,394 | €24,112 | €27,796 | ▲ 15.3% |
| Other financial income752/9 | €49 | €9,090 | €14,524 | €41,911 | €270,321 | ▲ 545% |
| Financial charges65/66B | €80,316 | €72,298 | €82,695 | €133,814 | €1.1m | ▲ 694% |
| Recurring financial charges65 | €80,316 | €72,298 | €82,695 | €133,814 | €1.1m | ▲ 694% |
| Debt charges650 | €72,806 | €62,849 | €51,353 | €58,065 | €62,540 | ▲ 7.7% |
| Other financial charges652/9 | €7,511 | €9,448 | €31,342 | €75,750 | €999,575 | ▲ 1,220% |
| Profit (loss) for the period before taxes9903 | €2.5m | €3.3m | €1.8m | €2.1m | €3.7m | ▲ 80.4% |
| Income taxes67/77 | €622,782 | €624,136 | €446,088 | €517,000 | €940,150 | ▲ 81.8% |
| Taxes670/3 | €622,782 | €624,136 | €446,088 | €517,000 | €940,150 | ▲ 81.8% |
| Profit (loss) for the period9904 | €1.9m | €2.6m | €1.4m | €1.6m | €2.8m | ▲ 79.9% |
| Transfer from tax-exempt reserves789 | - | - | €284,800 | €463,100 | €1.4m | ▲ 200% |
| Transfer to tax-exempt reserves689 | €850,420 | €799,900 | €631,500 | €736,750 | €997,770 | ▲ 35.4% |
| Profit (loss) for the period to be appropriated9905 | €1.0m | €1.8m | €1.0m | €1.3m | €3.2m | ▲ 149% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €16.9m | €19.0m | €20.5m | €20.0m | €29.8m | ▲ 48.9% |
| Fixed assets21/28 | €530,299 | €492,153 | €557,864 | €596,427 | €515,205 | ▼ 13.6% |
| Intangible fixed assets21 | €4,472 | €0 | - | - | - | - |
| Tangible fixed assets22/27 | €524,000 | €490,326 | €556,037 | €594,600 | €513,627 | ▼ 13.6% |
| Land and buildings22 | €462,691 | €441,035 | €419,378 | €397,722 | €376,065 | ▼ 5.4% |
| Plant, machinery and equipment23 | - | €6,812 | €3,620 | €6,960 | €4,208 | ▼ 39.5% |
| Furniture and vehicles24 | €59,962 | €42,078 | €133,039 | €189,919 | €133,354 | ▼ 29.8% |
| Other tangible fixed assets26 | €1,347 | €401 | €0 | - | - | - |
| Financial fixed assets28 | €1,827 | €1,827 | €1,827 | €1,827 | €1,577 | ▼ 13.7% |
| Other financial fixed assets284/8 | €1,827 | €1,827 | €1,827 | €1,827 | €1,577 | ▼ 13.7% |
| Amounts receivable and cash guarantees285/8 | €1,827 | €1,827 | €1,827 | €1,827 | €1,577 | ▼ 13.7% |
| Current assets29/58 | €16.4m | €18.5m | €20.0m | €19.4m | €29.3m | ▲ 50.9% |
| Stocks and contracts in progress3 | €8.9m | €12.0m | €13.8m | €16.2m | €22.7m | ▲ 40.3% |
| Stocks30/36 | €8.9m | €12.0m | €13.8m | €16.2m | €22.7m | ▲ 40.3% |
| Raw materials and consumables30/31 | - | €12.0m | €13.8m | €16.2m | €22.7m | ▲ 40.3% |
| Goods purchased for resale34 | €8.9m | - | - | - | - | - |
| Amounts receivable within one year40/41 | €486,217 | €730,293 | €1.6m | €692,037 | €6,370 | ▼ 99.1% |
| Trade receivables40 | €409,064 | €531,919 | €1.4m | €425,732 | €6,370 | ▼ 98.5% |
| Other amounts receivable41 | €77,153 | €198,374 | €170,078 | €266,305 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €7.0m | €5.7m | €4.6m | €2.5m | €6.6m | ▲ 160% |
| Deferred charges and accrued income490/1 | €7,283 | €7,584 | €9,406 | €9,408 | €10,869 | ▲ 15.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €16.9m | €19.0m | €20.5m | €20.0m | €29.8m | ▲ 48.9% |
| Equity10/15 | €14.4m | €17.0m | €18.4m | €19.0m | €21.8m | ▲ 14.8% |
| Contributions10/11 | €8.0m | €8.0m | €8.0m | €7.0m | €7.0m | = |
| Capital10 | €8.0m | €8.0m | €8.0m | €7.0m | €7.0m | = |
| Issued capital100 | €8.0m | €8.0m | €8.0m | €7.0m | €7.0m | = |
| Reserves13 | €5.0m | €5.9m | €6.5m | €7.3m | €8.3m | ▲ 13.7% |
| Non-distributable reserves130/1 | €529,161 | €621,261 | €672,261 | €700,010 | €700,010 | = |
| Legal reserve130 | €529,161 | €621,261 | €672,261 | €700,010 | €700,010 | = |
| Tax-exempt reserves132 | €1.3m | €2.1m | €2.5m | €2.8m | €2.4m | ▼ 14.2% |
| Distributable reserves133 | €3.1m | €3.1m | €3.4m | €3.8m | €5.2m | ▲ 36.1% |
| Profit (loss) carried forward14 | €1.4m | €3.2m | €3.9m | €4.6m | €6.5m | ▲ 38.9% |
| Provisions and deferred taxes16 | €780,000 | €0 | - | - | - | - |
| Provisions for liabilities and charges160/5 | €780,000 | €0 | - | - | - | - |
| Other liabilities and charges164/5 | €780,000 | €0 | - | - | - | - |
| Amounts payable17/49 | €1.7m | €1.9m | €2.1m | €1.1m | €8.1m | ▲ 651% |
| Amounts payable within one year42/48 | €1.7m | €1.9m | €2.1m | €1.0m | €8.0m | ▲ 691% |
| Trade debts44 | €187,885 | €257,705 | €792,563 | €216,219 | €108,412 | ▼ 49.9% |
| Suppliers440/4 | €187,885 | €257,705 | €792,563 | €216,219 | €108,412 | ▼ 49.9% |
| Advances received on contracts in progress46 | €110,786 | €228,987 | €167,026 | €203,646 | €6.9m | ▲ 3,294% |
| Taxes, remuneration and social security45 | €119,909 | €179,023 | €95,876 | €105,202 | €289,548 | ▲ 175% |
| Taxes450/3 | €45,836 | €104,136 | €11,088 | €25,604 | €185,461 | ▲ 624% |
| Remuneration and social security454/9 | €74,072 | €74,887 | €84,788 | €79,597 | €104,086 | ▲ 30.8% |
| Other amounts payable47/48 | €1.3m | €1.2m | €1.0m | €490,452 | €727,378 | ▲ 48.3% |
| Accrued charges and deferred income492/3 | €49,704 | €48,593 | €55,160 | €58,785 | €31,986 | ▼ 45.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1.9m | €2.6m | €1.4m | €1.6m | €2.8m | ▲ 79.9% |
| + Depreciation and write-downs630 | €69,851 | €48,671 | €43,121 | €78,892 | €80,973 | ▲ 2.6% |
| Operating cash flow (approximation) | €1.9m | €2.7m | €1.4m | €1.6m | €2.9m | ▲ 76.2% |
| Investment in fixed assets (approximation) | - | -€10,524 | -€108,832 | -€117,455 | €250 | ▲ 100% |
| Change in cash | - | -€1.3m | -€1.1m | -€2.1m | €4.0m | ▲ 295% |
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
28-07
State Gazette act
Reappointment: GROUPE AUDIT BELGIUM (statutory auditor)Power of attorney3 facts ▸
State Gazette act
Reappointment: GROUPE AUDIT BELGIUM (statutory auditor)
Power of attorney3 facts ▸
- General meeting, 30-06-2026
- Auditor reappointment, GROUPE AUDIT BELGIUM (statutory auditor)
- Power of attorney, Belisa
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €2.8m ▲79.9%
Operating result €4.5m, net result €2.8m, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 14 days late
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 13 days late
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
13-06
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 15 acts read
About the unread acts
Of the 15 Belgian State Gazette acts we know for this company, 1 has been read. The other 14 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
Statutory auditor 1
Groupe Audit Belgium
CurrentStatutory auditor · since 28-07-2026
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 →
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 1981
Ground area
3,019 m²
Building footprint
2,983 m²
Volume, LiDAR
40,580 m³
Parcel 21004A1111/00B000, Brussels · tallest building 20.1 m, ±6 floors. Linked by address, not a title deed.
125
companies at this address
See who is registered here
1 establishment unit
Grasmarkt 105, 1000 Brussel
since 19812.020.508.020
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21004A1111/00B000 ProtectedArchitectural ensemble · MonumentDe Borse - uitbreiding van de bescherming met bepaalde delenSource ↗ |
Brussels | 3,019 m² | 1 · 2,983 m² | 20.1 m · 6 fl. |
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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Mandate history
1 person since 2026, 1 in office
- Statutory auditor
| Name | Functions and periods |
|---|---|
| Groupe Audit Belgium |
|
Recognitions · licences · registrations
Legal Entity Identifier
54930065EYY2XDSEGP42
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Identification & contact
Identification
Legal formPublic limited company
Founded25-11-1974
Fiscal year end31-12
Activities, NACEBEL 2025
46820Wholesale trade
46900Non-specialised wholesale trade
64999Other financial services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0414692222
Also
9925:BE0414692222
Registered
08-07-2025
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.