NVW
ActiveNVW has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €347k and a net result of €28k. Equity is growing by ~6.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
94
/ 100
Excellent▲ +8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability41▲+30
Solvency96=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 14.07 against 12.14 in 2023), and 46.6% 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.
−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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-07-2025, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
21 d early
2023
30 d early
2022
28 d early
2021
19 d early
2020
33 d early
2019
46 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€347k▲ 8.9%
2023 · €319k
2018: €236k
2019: €245k
2020: €264k
2021: €290k
2022: €311k
2023: €319k
2018 → 2024
Total assets
€649k▲ 7.8%
2023 · €602k
2018: €749k
2019: €711k
2020: €687k
2021: €675k
2022: €656k
2023: €602k
2018 → 2024
Net result
€28k▲ 286%
2023 · €7k
2018: €13k
2019: €8k
2020: €19k
2021: €26k
2022: €22k
2023: €7k
2018 → 2024
Working capital
€156k▲ 47.9%
2023 · €105k
2018: €60k
2019: €2k
2020: €28k
2021: €53k
2022: €83k
2023: €105k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€264k-€290k▲ 9.9%€311k▲ 7.3%€319k▲ 2.4%€347k▲ 8.9%
Operating result€43k-€53k▲ 23.8%€39k▼ 26.4%€27k▼ 30.6%€63k▲ 133%
Net result€19k-€26k▲ 36.6%€22k▼ 15.3%€7k▼ 67.0%€28k▲ 286%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 133% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €649k
Fixed assets
€482k▼ 1.2%
Current assets
€168k▲ 46.1%
Equity and liabilities €649k
Equity
€347k▲ 8.9%
Debt
€302k▲ 6.7%
The debt ratio falls from 47.1% to 46.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€85k▲
2023 · €62k
Cash flow
€50k▲
2023 · €42k
Solvency
53.4%▲
2023 · 52.9%
Current ratio
14.07▲
2023 · 12.14
Quick ratio
14.07▲
2023 · 12.14
Debt / equity
0.87▼
2023 · 0.89
ROE
8.1%▲
2023 · 2.3%
ROA
4.3%▲
2023 · 1.2%
Interest coverage
3.84▼
2023 · 3.99
Debt
€302k▲
2023 · €283k
Debt ≤ 1 year
€12k▲
2023 · €9k
Debt > 1 year
€289k▲
2023 · €273k
Income taxes
€13k▲
2023 · €4k
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€602k€649k▲
Fixed assets21/28€487k€482k▼
Tangible fixed assets22/27€487k€482k▼
Land and buildings22€482k€465k▼
Furniture and vehicles24€6k€17k▲
Other tangible fixed assets26€0-
Current assets29/58€115k€168k▲
Amounts receivable within one year40/41€16k€14k▼
Trade receivables40€15k€14k▼
Other amounts receivable41€1k€0▼
Cash at bank and in hand54/58€99k€147k▲
Deferred charges and accrued income490/1-€7k
Equity and liabilities
Total equity and liabilities10/49€602k€649k▲
Equity10/15€319k€347k▲
Contributions10/11€139k€139k=
Reserves13€180k€208k▲
Distributable reserves133€180k€208k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€283k€302k▲
Amounts payable after more than one year17€273k€289k▲
Financial debts170/4€0-
Other amounts payable178/9€273k€289k▲
Amounts payable within one year42/48€9k€12k▲
Current portion of amounts payable after more than one year42€0-
Financial debts43€72€76▲
Credit institutions430/8€72€76▲
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€4k€7k▲
Taxes450/3€4k€7k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€995€995=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€22k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€65k€88k▲
Operating profit (loss)9901€27k€63k▲
Financial income75/76B€270€623▲
Recurring financial income75€270€623▲
Financial charges65/66B€16k€22k▲
Recurring financial charges65€16k€22k▲
Profit (loss) for the period before taxes9903€12k€41k▲
Income taxes67/77€4k€13k▲
Profit (loss) for the period9904€7k€28k▲
Profit (loss) for the period to be appropriated9905€7k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€28k▲
Transfer to equity691/2€7k€28k▲
To other reserves6921€7k€28k▲
Profit to be distributed694/7€0-
Directors or managers695€0-
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
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €28k ▲286%
Operating result €63k, net result €28k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €7k ▼67%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 5current ratio 12.14
Current ratio from 2.63 to 12.14; short-term debt falls from €51k to €9k.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 46 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 14 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
2016
24-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Hechtel-Eksel
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.
Groenstraat 673940 Hechtel-EkselGround area
275 m²
Building footprint
275 m²
Volume, LiDAR
1,651 m³
Parcel 72006D0027/00P000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72006D0027/00P000 | Flanders | 275 m² | 1 · 275 m² | 8.9 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-08-2008
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.