NUMAN
ActiveThe computed 12-month bankruptcy probability of NUMAN is 2.2% (moderate). The 2025 annual accounts show negative equity (€-64k) and a net result of €-1k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 5% of 480 sector peers (fiscal year 2025). The company has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability12=
Solvency33=
Growth32=
Stability100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.04 against 0.06 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
8 signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-2382.8%
Return on assets
-55.1%
Age of the figures
8 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year -€64k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
1 d early
2022
3 d early
2021
2 d early
2020
1 d early
2019
1 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-1k▼ 2.0%
2024 · €-1k
2023: €1k
2024: €-1k
2023 → 2025
Working capital
€-64k▼ 2.4%
2024 · €-62k
2023: €-61k
2024: €-62k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-61k-€-62k▼ 2.4%€-64k▼ 2.4%
Operating result€1k-€-1k€-1k▼ 19.0%
Net result€1k-€-1k€-1k▼ 2.0%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2025 against €1k in 2024; the loss grows and 2025 is the lowest year so far.
Key figures and ratios
Solvency
-2382.8%▼
2024 · -1466.4%
Current ratio
0.04▼
2024 · 0.06
Quick ratio
0.04▼
2024 · 0.06
Debt / equity
-1.04▲
2024 · -1.07
ROE
2.3%▼
2024 · 2.3%
ROA
-55.1%▼
2024 · -34.0%
Debt
€66k▼
2024 · €66k
Debt ≤ 1 year
€66k▼
2024 · €66k
Income taxes
€93▼
2024 · €222
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
Balance sheet
Code2025
Total assets
20/58€3k
Current assets
29/58€3k
Amounts receivable within one year
40/41€150
Cash & bank
54/58€3k
Total equity & liabilities
10/49€3k
Equity
10/15€-64k
Contributions / capital
10/11€19k
Reserves
13€3k
Accumulated profits (losses)
14€-85k
Amounts payable
17/49€66k
Amounts payable within one year
42/48€66k
Trade debts payable within one year
44€2k
Income statement
Code2025
Gross operating margin
9900€-1k
Operating result
9901€-1k
Financial charges
65€65
Result before taxes
9903€-1k
Income taxes
67/77€93
Net result for the period
9904€-1k
Result to be appropriated
9905€-1k
This is the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-1k
Net result drops to €-1k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector and region
Adora - Bruxelles
BE 0416.699.033
Brussel
AICHELE CREATIONS
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AN-HOR
BE 0472.285.278
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ARTHUS-BERTRAND BELGIQUE
BE 0506.967.431
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ATCHOUM
BE 0833.337.985
Brussel
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 2,017 companies in sector 47770 we hold annual accounts for 836.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-06-1996
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
52484
52730
95250Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 22-08-2026. Scores and ratios are computed by Checked and are not a credit decision.