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M NOMAN

Active
Rue de Valenciennes 118 ·7380 Quiévrain, Belgium
KBO/BCE: BE 0803.520.581
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Age3 yrs
Real estate1 parcel · 279 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of M NOMAN is 2.8% (moderate). The 2024 annual accounts show equity of €2k and a net result of €2k. Its solvency ranks better than 29% of 6698 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 31-08-2025 31 d late 2025-00483624

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.8% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€2k
Working capital€53k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 31-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 2.1% 20.4%
better than 29% of 6698 sector peers
Net result €2k €4k
better than 45% of 6678 sector peers
Equity €2k €16k
better than 31% of 6712 sector peers
Gross operating margin €23k €24k
better than 49% of 6657 sector peers
Staff costs €20k €33k
higher than 36% of 3035 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA-
Net profit€2k
Cash flow-
Staff costs€20k
Income taxes€515
Dividends-
Total assets€99k
Equity€2k
Debt€97k
of which ≤ 1y€45k
of which > 1y€51k
Working capital€53k
Employees (FTE)-
Ratios (computed)
2024
Current ratio2.18
Quick ratio0.67
Working capital ratio54.2%
Solvency2.1%
Debt / equity46.86
Long-term debt ratio24.95
Interest coverage-
Gross margin-
Net margin-
ROA2.1%
ROE100.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€99k
Current assets 29/58€99k
Stocks & contracts in progress 3€68k
Amounts receivable within one year 40/41€5k
Cash & bank 54/58€26k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€99k
Equity 10/15€2k
Accumulated profits (losses) 14€2k
Amounts payable 17/49€97k
Amounts payable after one year 17€51k
Amounts payable within one year 42/48€45k
Trade debts payable within one year 44€38k
Income statement
Gross operating margin 9900€23k
Operating result 9901€3k
Financial charges 65€211
Result before taxes 9903€3k
Income taxes 67/77€515
Net result for the period 9904€2k
Result to be appropriated 9905€2k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
60 / 100 Healthy
050100
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Rue de Valenciennes 1187380 Quiévrain

Establishment units

1 location
Top Tabac
Rue de Valenciennes 118, 7380 QuiévrainNiet-gespecialiseerde kleinhandel in algemene voedingsmiddelen (verkoopsoppervlakte minder dan 100m2)
since 20232.346.865.213
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area279 m²
Buildings1
Building footprint51 m²
Volume (LiDAR)498 m³
Tallest building11.8 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53068A0001/00G014 Wallonia 279 m² 1 · 51 m² 11.8 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health60Profitability100Solvency35Growth-Stability79
68 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 60
Profitability 100
Solvency 35
Growth -
Stability 79

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,626 of the 10,428 companies in this sector. 633 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)47112
Primary activity highlighted.
Names & trade names
Legal nameFR M NOMAN
Registered office
Rue de Valenciennes 118
7380 Quiévrain, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.