SL NovaÉ
ActiveSummary
SL NovaÉ has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €328,994 and a net result of €1,059. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 78% of 14220 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability32▼-26
Solvency94▲+94
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23,000 at 30 days acceptable
Liquidity short (current ratio 0.54 against 0.53 in 2024; short-term debt: 30.7% and cash: 0% of total assets), and 30.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
69.1%
Return on assets
0.2%
Age of the figures
9 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
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
31 d early
2023
29 d early
2022
4 d early
2021
27 d early
2020
83 d late
2019
119 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 13 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€328,994
2024 · -€67,065
Total assets
€476,296▲ 513%
2024 · €77,749
Net result
€1,059▼ 86.6%
2024 · €7,873
Working capital
-€67,245▼ 0.2%
2024 · -€67,081
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€2,508€26,805-€1,865€11,716€4,677▼ 60.1%
Net result-€6,305within the sector's middle half€23,030within the sector's middle half-€5,666within the sector's middle half€7,873within the sector's middle half€1,059within the sector's middle half▼ 86.6%
Equity-€92,303below the sector's middle half▼ 7.3%-€69,272below the sector's middle half▲ 25.0%-€74,938below the sector's middle half▼ 8.2%-€67,065below the sector's middle half▲ 10.5%€328,994above the sector's middle half
Total assets€71,997below the sector's middle half▼ 10.5%€78,621below the sector's middle half▲ 9.2%€79,290below the sector's middle half▲ 0.9%€77,749below the sector's middle half▼ 1.9%€476,296within the sector's middle half▲ 513%
Debt€164,300▼ 1.3%€147,893▼ 10.0%€154,228▲ 4.3%€144,813▼ 6.1%€147,302▲ 1.7%
Working capital-€91,768▼ 7.3%-€70,403▲ 23.3%-€75,502▼ 7.2%-€67,081▲ 11.2%-€67,245▼ 0.2%
Solvency-128.2%below the sector's middle half▼ 21.3pp-88.1%below the sector's middle half▲ 40.1pp-94.5%below the sector's middle half▼ 6.4pp-86.3%below the sector's middle half▲ 8.3pp69.1%above the sector's middle half▲ 155.3pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
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 60% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €476,296
Fixed assets
€397,136 ▲ 43,695%
Current assets
€79,160 ▲ 3.0%
Equity and liabilities €476,296
Equity
€328,994
Debt
€147,302
Debt finances 30.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€5,797▼
2024 · €12,285
Cash flow
€2,179▼
2024 · €8,443
Current ratio
0.54▲
2024 · 0.53
Debt to equity
0.45▲
2024 · -2.16
ROE
0.3%
ROA
0.2%▼
2024 · 10.1%
Interest coverage
1.60▼
2024 · 3.20
Debt ≤ 1 year
€146,406▲
2024 · €143,923
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €47 | €569 | €569 | €1,120 | ▲ 96.8% |
| Other operating charges640/8 | €564 | €575 | €625 | €628 | €711 | ▲ 13.1% |
| Gross operating margin9900 | -€1,944 | €27,427 | -€671 | €12,913 | €6,508 | ▼ 49.6% |
| Operating profit (loss)9901 | -€2,508 | €26,805 | -€1,865 | €11,716 | €4,677 | ▼ 60.1% |
| Financial income75/76B | €0 | - | - | - | - | - |
| Recurring financial income75 | €0 | - | - | - | - | - |
| Financial charges65/66B | €3,797 | €3,775 | €3,800 | €3,842 | €3,618 | ▼ 5.8% |
| Recurring financial charges65 | €3,797 | €3,775 | €3,800 | €3,842 | €3,618 | ▼ 5.8% |
| Profit (loss) for the period before taxes9903 | -€6,305 | €23,030 | -€5,666 | €7,873 | €1,059 | ▼ 86.6% |
| Profit (loss) for the period9904 | -€6,305 | €23,030 | -€5,666 | €7,873 | €1,059 | ▼ 86.6% |
| Profit (loss) for the period to be appropriated9905 | -€6,305 | €23,030 | -€5,666 | €7,873 | €1,059 | ▼ 86.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €71,997 | €78,621 | €79,290 | €77,749 | €476,296 | ▲ 513% |
| Fixed assets21/28 | €384 | €2,045 | €1,476 | €907 | €397,136 | ▲ 43,695% |
| Tangible fixed assets22/27 | - | €1,661 | €1,092 | €523 | €1,752 | ▲ 235% |
| Furniture and vehicles24 | - | €1,661 | €1,092 | €523 | €1,752 | ▲ 235% |
| Financial fixed assets28 | €384 | €384 | €384 | €384 | €395,384 | ▲ 102,824% |
| Current assets29/58 | €71,613 | €76,575 | €77,814 | €76,842 | €79,160 | ▲ 3.0% |
| Amounts receivable within one year40/41 | €70,131 | €70,915 | €74,273 | €73,339 | €75,578 | ▲ 3.1% |
| Trade receivables40 | €8,642 | €10,215 | €10,215 | €7,906 | €3,939 | ▼ 50.2% |
| Other amounts receivable41 | €61,489 | €60,700 | €64,058 | €65,433 | €71,639 | ▲ 9.5% |
| Cash at bank and in hand54/58 | €231 | €2,160 | €41 | €4 | €1 | ▼ 81.6% |
| Deferred charges and accrued income490/1 | €1,250 | €3,500 | €3,500 | €3,500 | €3,582 | ▲ 2.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €71,997 | €78,621 | €79,290 | €77,749 | €476,296 | ▲ 513% |
| Equity10/15 | -€92,303 | -€69,272 | -€74,938 | -€67,065 | €328,994 | ▲ 591% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | €10,000 | €405,000 | ▲ 3,950% |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | -€104,163 | -€81,132 | -€86,798 | -€78,925 | -€77,866 | ▲ 1.3% |
| Amounts payable17/49 | €164,300 | €147,893 | €154,228 | €144,813 | €147,302 | ▲ 1.7% |
| Amounts payable within one year42/48 | €163,381 | €146,978 | €153,316 | €143,923 | €146,406 | ▲ 1.7% |
| Financial debts43 | €29,901 | €26,715 | €29,943 | €28,235 | €29,022 | ▲ 2.8% |
| Credit institutions430/8 | €29,901 | €26,715 | €29,943 | €28,235 | €29,022 | ▲ 2.8% |
| Trade debts44 | €10,295 | €5,443 | €7,539 | €6,183 | €5,097 | ▼ 17.6% |
| Suppliers440/4 | €10,295 | €5,443 | €7,539 | €6,183 | €5,097 | ▼ 17.6% |
| Advances received on contracts in progress46 | €714 | €714 | €714 | €0 | - | - |
| Taxes, remuneration and social security45 | €0 | €85 | €0 | €2,164 | €0 | ▼ 100% |
| Taxes450/3 | €0 | €85 | €0 | €2,164 | €0 | ▼ 100% |
| Other amounts payable47/48 | €122,471 | €114,021 | €115,121 | €107,342 | €112,286 | ▲ 4.6% |
| Accrued charges and deferred income492/3 | €918 | €915 | €912 | €890 | €896 | ▲ 0.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,305 | €23,030 | -€5,666 | €7,873 | €1,059 | ▼ 86.6% |
| + Depreciation and write-downs630 | - | €47 | €569 | €569 | €1,120 | ▲ 96.8% |
| Operating cash flow (approximation) | -€6,305 | €23,077 | -€5,096 | €8,443 | €2,179 | ▼ 74.2% |
| Investment in fixed assets (approximation) | - | -€1,708 | €0 | €0 | -€397,349 | - |
| Change in cash | - | €1,929 | -€2,119 | -€38 | -€3 | ▲ 92.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200,000Eq €328,994
2 profitable years in a row build equity to €328,994.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €7,873
Net result €7,873 after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €23,030
Net result €23,030 after one loss-making year.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 83 days late
2020
31-12
Financial
Back to profitnet €9,400
Net result €9,400 after 2 loss-making years.
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
2019
24-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 85 days late
2018
25-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 86 days late
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Namur · 1 establishment unit since 2015
Ground area
2,556 m²
Building footprint
541 m²
Volume, LiDAR
2,165 m³
2 parcels, Wallonia · tallest building 5.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LS IMMO
since 20152.239.128.204
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92095B0211/00W006 | Wallonia | 1,383 m² | - | - |
| 92095B0211/00V006 | Wallonia | 1,173 m² | 1 · 541 m² | 5.9 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 11,757 companies in sector 68310 we hold annual accounts for 6,914. 4,915 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-02-2015
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
68110Buying and selling of own real estate
E-invoicing
Reachable via Peppol
Peppol ID
0208:0597749929
Registered
04-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.