NUMIBAL BELGIUM
ActiveThe computed 12-month bankruptcy probability of NUMIBAL BELGIUM is 1.6% (moderate). The annual accounts of NUMIBAL BELGIUM for fiscal year 2024 show a net loss of 91% of total assets and of 74% of the equity at the start of that year. The 2024 annual accounts show equity of €32k and a net result of €-93k. Equity is growing by ~19.9% per year across the filed fiscal years. Its solvency ranks better than 33% of 36376 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
36
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-47
Solvency56▼-20
Growth40▼-16
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.82 against 2.02 in 2023; short-term debt: 68.8% and cash: 2.7% of total assets), and 68.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
31.2%
Return on assets
-91%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-10-2025, 71 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 · 9 filingsDeviation from the deadline
2025
not confirmed
2024
71 d late
2023
98 d late
2022
291 d late
2021
201 d late
2020
475 d late
2019
268 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€385k▼ 75.1%
2022 · €1.54M
2019: €486k
2020: €1.59M
2021: €1.94M
2022: €1.54M
2019 → 2023
EBIT margin
6.6%▲ 5.1pp
2022 · 1.5%
2019: 7.9%
2020: 1.2%
2021: 1.2%
2022: 1.5%
2019 → 2023
Net result
€-93k
2023 · €10k
2018: €4k
2019: €36k
2020: €19k
2021: €18k
2022: €16k
2023: €10k
2018 → 2024
Working capital
€-12k
2023 · €124k
2018: €23k
2019: €61k
2020: €79k
2021: €98k
2022: €128k
2023: €124k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€1.59M-€1.94M▲ 22.4%€1.54M▼ 20.5%€385k▼ 75.1%
Equity€81k-€98k▲ 22.0%€115k▲ 16.3%€124k▲ 8.5%€32k▼ 74.5%
Operating result€20k-€23k▲ 15.3%€23k▼ 0.3%€25k▲ 11.1%€-71k
Net result€19k-€18k▼ 7.7%€16k▼ 9.6%€10k▼ 39.0%€-93k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €71k after €25k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €102k
Fixed assets
€44k▲ 44,000%
Current assets
€58k▼ 76.5%
Equity and liabilities €102k
Equity
€32k▼ 74.5%
Debt
€70k▼ 42.3%
The debt ratio rises from 49.4% to 68.8%. Equity and debt are lower.
Key figures and ratios
Solvency
31.2%▼
2023 · 50.6%
Current ratio
0.82▼
2023 · 2.02
Quick ratio
0.82▼
2023 · 2.02
Debt / equity
2.20▲
2023 · 0.98
ROE
-291.5%▼
2023 · 7.9%
ROA
-91.0%▼
2023 · 4.0%
Debt
€70k▼
2023 · €121k
Debt ≤ 1 year
€70k▼
2023 · €121k
Income taxes
€20k▲
2023 · €14k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€246k€102k▼
Fixed assets21/28€100€44k▲
Financial fixed assets28€100€44k▲
Current assets29/58€245k€58k▼
Amounts receivable within one year40/41€243k€55k▼
Trade receivables40€232k€28k▼
Other amounts receivable41€11k€27k▲
Cash at bank and in hand54/58€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€246k€102k▼
Equity10/15€124k€32k▼
Contributions10/11€19k€19k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Profit (loss) carried forward14€104k€12k▼
Amounts payable17/49€121k€70k▼
Amounts payable within one year42/48€121k€70k▼
Current portion of amounts payable after more than one year42-€3k
Financial debts43-€1k
Credit institutions430/8-€1k
Trade debts44€118k€50k▼
Suppliers440/4€118k€50k▼
Taxes, remuneration and social security45€3k€10k▲
Taxes450/3€3k€10k▲
Other amounts payable47/48-€6k
Income statement
Code20232024
Turnover70€385k-
Non-recurring operating income76A-€0
Goods, raw materials, services and sundry goods60/61€359k-
Other operating charges640/8€342€955▲
Non-recurring operating charges66A-€75k
Gross operating margin9900€26k€4k▼
Operating profit (loss)9901€25k€-71k▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€24k€-73k▼
Income taxes67/77€14k€20k▲
Profit (loss) for the period9904€10k€-93k▼
Profit (loss) for the period to be appropriated9905€10k€-93k▼
Appropriation of the result
Profit (loss) to be appropriated9906€104k€12k▼
Profit (loss) brought forward from the previous period14P€95k€104k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
31-12
Financial
Weakest financial yearnet €-93k ▼1045%
Net result drops to €-93k, the lowest in the series.
06-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 98 days late
17-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 291 days late
2023
17-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 201 days late
2022
31-12
Financial
Equity above €100kEq €115k ▲16.3%
5 profitable years in a row build equity to €115k.
18-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 475 days late
2021
25-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 268 days late
2020
04-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 188 days late
2019
31-12
Financial
Highest result since 2018net €36k ▲882%
Operating result €39k, net result €36k, both a record.
31-12
Financial
Liquidity times 98current ratio 133.83
Current ratio from 1.36 to 133.83; short-term debt falls from €64k to €462.
2018
02-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 63 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Beersel · 1 establishment unit since 2015
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.
Alsembergsesteenweg 6541653 BeerselGround area
1,955 m²
Building footprint
369 m²
Volume, LiDAR
2,211 m³
2 parcels, Brussels, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
NUMIBAL BELGIUM
since 20152.246.978.274
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23017C0021/00H000 | Flanders | 1,851 m² | 1 · 308 m² | 10.1 m · 2 fl. |
| 21003A0073/00T007 | Brussels | 104 m² | 1 · 61 m² | 10.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
HOBIN
BE 0879.280.749
Tienen · Eq €32k
D.A.B. ECOCONFORT
BE 0696.685.969
Halle · Eq €32k
NANO
BE 0799.134.696
Schoten · Eq €32k
FØMAR
BE 1019.187.809
Leuven · Eq €32k
ROSARIO CONSTRUCT
BE 0866.651.844
Brussel · Eq €32k
Of 15,536 companies in sector 43990 we hold annual accounts for 7,421. 5,728 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-10-2015
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.