NuvoGems
ActiveThe computed 12-month bankruptcy probability of NuvoGems is 1.6% (moderate). The 2025 annual accounts show equity of €145k and a net result of €49k. Equity is growing by ~73.6% per year across the filed fiscal years. Its solvency ranks better than 53% of 18039 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-3
Solvency63▲+7
Growth78=
Track record94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.55 against 1.38 in 2024; short-term debt: 62% and cash: 5.7% of total assets), but 62% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 →
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
38%
Return on assets
12.8%
Age of the figures
9 mo
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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
28 d early
2023
22 d late
2022
31 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€145k▲ 50.8%
2024 · €96k
2022: €-3k
2023: €38k
2024: €96k
2022 → 2025
Total assets
€383k▲ 23.8%
2024 · €309k
2022: €4k
2023: €80k
2024: €309k
2022 → 2025
Net result
€49k▼ 3.7%
2024 · €51k
2022: €-3k
2023: €41k
2024: €51k
2022 → 2025
Working capital
€131k▲ 62.9%
2024 · €80k
2022: €-5k
2023: €32k
2024: €80k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-3k-€38k€96k▲ 153%€145k▲ 50.8%
Operating result€-3k-€52k€79k▲ 51.8%€77k▼ 1.7%
Net result€-3k-€41k€51k▲ 24.3%€49k▼ 3.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €383k
Fixed assets
€15k▼ 9.2%
Current assets
€368k▲ 25.6%
Equity and liabilities €383k
Equity
€145k▲ 50.8%
Debt
€237k▲ 11.6%
The debt ratio falls from 68.8% to 62.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€80k▲
2024 · €80k
Cash flow
€52k▼
2024 · €52k
Solvency
38.0%▲
2024 · 31.2%
Current ratio
1.55▲
2024 · 1.38
Quick ratio
0.13▼
2024 · 0.28
Debt / equity
1.63▼
2024 · 2.21
ROE
33.7%▼
2024 · 52.7%
ROA
12.8%▼
2024 · 16.5%
Interest coverage
5.47▲
2024 · 5.24
Debt
€237k▲
2024 · €213k
Debt ≤ 1 year
€237k▲
2024 · €213k
Income taxes
€14k▲
2024 · €13k
Staff costs
€53k▲
2024 · €26k
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 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€309k€383k▲
Fixed assets21/28€16k€15k▼
Intangible fixed assets21€1k€527▼
Tangible fixed assets22/27€15k€14k▼
Plant, machinery and equipment23€15k€14k▼
Furniture and vehicles24€404€308▼
Current assets29/58€293k€368k▲
Stocks and contracts in progress3€233k€336k▲
Stocks30/36€233k€336k▲
Amounts receivable within one year40/41€24k€10k▼
Trade receivables40€10k€3k▼
Other amounts receivable41€15k€8k▼
Cash at bank and in hand54/58€36k€22k▼
Equity and liabilities
Total equity and liabilities10/49€309k€383k▲
Equity10/15€96k€145k▲
Contributions10/11€8k€8k=
Profit (loss) carried forward14€89k€138k▲
Amounts payable17/49€213k€237k▲
Amounts payable within one year42/48€213k€237k▲
Trade debts44€173k€194k▲
Suppliers440/4€173k€194k▲
Taxes, remuneration and social security45€37k€37k▲
Taxes450/3€35k€25k▼
Remuneration and social security454/9€1k€12k▲
Other amounts payable47/48€3k€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62€26k€53k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€2k€947▼
Gross operating margin9900€108k€135k▲
Operating profit (loss)9901€79k€77k▼
Financial income75/76B€77€331▲
Recurring financial income75€77€331▲
Financial charges65/66B€15k€15k▼
Recurring financial charges65€15k€15k▼
Profit (loss) for the period before taxes9903€63k€63k▼
Income taxes67/77€13k€14k▲
Profit (loss) for the period9904€51k€49k▼
Profit (loss) for the period to be appropriated9905€51k€49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€89k€138k▲
Profit (loss) brought forward from the previous period14P€38k€89k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €100kEq €145k ▲50.8%
3 profitable years in a row build equity to €145k.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €51k ▲24.3%
Operating result €79k, net result €51k, both a record.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Back to profitnet €41k
Net result €41k after one loss-making year.
31-12
Financial
Liquidity times 9current ratio 1.77
Current ratio from 0.20 to 1.77.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit since 2024
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.
Vestingstraat 572018 AntwerpenGround area
660 m²
Building footprint
257 m²
Volume, LiDAR
2,788 m³
Parcel 11808H1171/00A006, Flanders · tallest building 25.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
NuvoGems
since 20242.366.065.669
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1171/00A006 | Flanders | 660 m² | 1 · 256 m² | 25.9 m · 5 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
MMF group
BE 0849.981.997
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SKYLITE
BE 0750.676.367
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BAGNO GROUP
BE 0768.453.893
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MOLEQUIN
BE 0656.610.420
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Nostraclou
BE 0732.878.550
Dilbeek · Eq €144k
Of 12,979 companies in sector 47120 we hold annual accounts for 2,186. 1,458 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2021
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47770Retail sale of watches and jewellery
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.