NVB
ActiveThe computed 12-month bankruptcy probability of NVB is 2.0% (moderate). The 2025 annual accounts show equity of €34k and a net result of €6k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 60% of 27451 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-18
Solvency81▲+13
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.41 against 2.62 in 2024; short-term debt: 12.7% and cash: 4.5% of total assets), and 43.8% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
56.2%
Return on assets
10.3%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
31 d early
2024
20 d early
2023
26 d early
2022
on the day
2021
30 d late
2020
91 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▲ 22.6%
2024 · €27k
2020: €20k
2021: €21k
2022: €14k
2023: €15k
2024: €27k
2020 → 2025
Total assets
€60k▼ 6.9%
2024 · €64k
2020: €91k
2021: €80k
2022: €72k
2023: €69k
2024: €64k
2020 → 2025
Net result
€6k▼ 65.0%
2024 · €18k
2020: €18k
2021: €412
2022: €-6k
2023: €336
2024: €18k
2020 → 2025
Working capital
€18k▼ 13.9%
2024 · €21k
2020: €45k
2021: €22k
2022: €15k
2023: €17k
2024: €21k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€14k▼ 29.7%€15k▲ 2.3%€27k▲ 85.7%€34k▲ 22.6%
Operating result€3k-€3k▲ 1.2%€12k▲ 313%€26k▲ 118%€12k▼ 55.0%
Net result€412-€-6k€336€18k▲ 5,158%€6k▼ 65.0%
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 55% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€34k▲ 13.6%
Current assets
€26k▼ 24.7%
Equity and liabilities €60k
Equity
€34k▲ 22.6%
Debt
€26k▼ 28.8%
The debt ratio falls from 57.3% to 43.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€20k▼
2024 · €32k
Cash flow
€14k▼
2024 · €24k
Solvency
56.2%▲
2024 · 42.7%
Current ratio
3.41▲
2024 · 2.62
Quick ratio
3.41▲
2024 · 2.55
Debt / equity
0.78▼
2024 · 1.34
ROE
18.4%▼
2024 · 64.4%
ROA
10.3%▼
2024 · 27.5%
Interest coverage
22.93▼
2024 · 41.29
Debt
€26k▼
2024 · €37k
Debt ≤ 1 year
€8k▼
2024 · €13k
Debt > 1 year
€19k▼
2024 · €24k
Income taxes
€5k▼
2024 · €8k
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€64k€60k▼
Fixed assets21/28€30k€34k▲
Tangible fixed assets22/27€30k€34k▲
Plant, machinery and equipment23€30k€25k▼
Furniture and vehicles24-€8k
Current assets29/58€34k€26k▼
Amounts receivable after more than one year29€20k€20k=
Other amounts receivable291€20k€20k=
Stocks and contracts in progress3€952-
Stocks30/36€952-
Amounts receivable within one year40/41€2k€3k▲
Trade receivables40€968€750▼
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€11k€3k▼
Deferred charges and accrued income490/1-€86
Equity and liabilities
Total equity and liabilities10/49€64k€60k▼
Equity10/15€27k€34k▲
Contributions10/11€3k€3k=
Reserves13€25k€31k▲
Distributable reserves133€25k€31k▲
Amounts payable17/49€37k€26k▼
Amounts payable after more than one year17€24k€19k▼
Financial debts170/4€24k€19k▼
Amounts payable within one year42/48€13k€8k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€126€21▼
Suppliers440/4€126€21▼
Advances received on contracts in progress46€6k-
Taxes, remuneration and social security45€750€2k▲
Taxes450/3€750€2k▲
Other amounts payable47/48€1k€863▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€980€655▼
Gross operating margin9900€33k€20k▼
Operating profit (loss)9901€26k€12k▼
Financial income75/76B€593€55▼
Recurring financial income75€593€55▼
Financial charges65/66B€780€855▲
Recurring financial charges65€780€855▲
Profit (loss) for the period before taxes9903€26k€11k▼
Income taxes67/77€8k€5k▼
Profit (loss) for the period9904€18k€6k▼
Profit (loss) for the period to be appropriated9905€18k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€6k▼
Profit (loss) brought forward from the previous period14P€-5k-
Transfer from equity791/2€5k-
Transfer to equity691/2€12k€6k▼
To other reserves6921€12k€6k▼
Profit to be distributed694/7€5k-
Return on contributions (dividend)694€5k-
The notes to these accounts (7 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €18k ▲5158%
Operating result €26k, net result €18k, both a record.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €336
Net result €336 after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-6k ▼1584%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ichtegem · 1 establishment unit since 2020
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.
Torhoutbaan(ICH) 1738480 IchtegemGround area
934 m²
Building footprint
115 m²
Volume, LiDAR
595 m³
Parcel 35006D1427/00V000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NVB
since 20202.298.416.384
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35006D1427/00V000 | Flanders | 934 m² | 1 · 115 m² | 9.4 m · 2 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.
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Of 4,265 companies in sector 43230 we hold annual accounts for 1,239. 976 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2020
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
01430Raising of horses and other equines
43310Plastering work
43331Floor and wall tiling
43422Screed work
43910Bricklaying and masonry work
43994Specialised construction activities
47820Retail sale of motor vehicle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:nathanvanbossel1@gmail.com