NAMUFOOD
ActiveSummary
NAMUFOOD has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.09M and a net result of €368k. Equity is growing by ~29.3% per year across the filed fiscal years. Its solvency ranks better than 45% of 6537 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability81▲+5
Solvency53▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity short (current ratio 0.57 against 0.69 in 2023; short-term debt: 23.6% and cash: 3.8% of total assets), and 71.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
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 2024Solvency, return and age of the figures
Solvency
28.3%
Return on assets
9.6%
Age of the figures
21 mo
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 14-07-2025, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
17 d early
2023
51 d early
2022
38 d early
2021
41 d early
2020
11 d early
2019
66 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€368k▲ 81.0%
2023 · €203k
2018: €52k
2019: €79k
2020: €83k
2021: €78k
2022: €182k
2023: €203k
2018 → 2024
Working capital
€-391k▼ 37.8%
2023 · €-284k
2018: €13k
2019: €104k
2020: €-124k
2021: €-447k
2022: €-334k
2023: €-284k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€347k-€380k▲ 9.4%€544k▲ 43.2%€734k▲ 35.0%€1.09M▲ 47.8%
Operating result€108k-€125k▲ 15.6%€256k▲ 104%€354k▲ 38.4%€448k▲ 26.4%
Net result€83k-€78k▼ 6.4%€182k▲ 135%€203k▲ 11.6%€368k▲ 81.0%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 26% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.84M
Fixed assets
€3.33M ▲ 6.6%
Current assets
€515k ▼ 18.1%
Equity and liabilities €3.84M
Equity
€1.09M ▲ 47.8%
Debt
€2.76M ▼ 8.6%
Debt's share of the balance-sheet total falls from 80.4% to 71.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€633k▲
2023 · €537k
Cash flow
€554k▲
2023 · €386k
Current ratio
0.57▼
2023 · 0.69
Quick ratio
0.22▼
2023 · 0.36
Debt to equity
2.54▼
2023 · 4.11
ROE
33.9%▲
2023 · 27.7%
ROA
9.6%▲
2023 · 5.4%
Interest coverage
11.91▲
2023 · 9.79
Debt ≤ 1 year
€906k▼
2023 · €913k
Debt > 1 year
€1.85M▼
2023 · €2.09M
Income taxes
€137k▲
2023 · €98k
Staff costs
€348k▲
2023 · €319k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 52 lines
Balance sheet
Code20232024
Assets
Total assets20/58€3.75M€3.84M▲
Fixed assets21/28€3.12M€3.33M▲
Tangible fixed assets22/27€2.51M€2.34M▼
Land and buildings22€1.22M€1.16M▼
Plant, machinery and equipment23€1.29M€1.18M▼
Furniture and vehicles24€915€265▼
Financial fixed assets28€609k€985k▲
Current assets29/58€628k€515k▼
Stocks and contracts in progress3€296k€313k▲
Stocks30/36€296k€313k▲
Amounts receivable within one year40/41€70k€49k▼
Trade receivables40€54k€33k▼
Other amounts receivable41€17k€17k▼
Cash at bank and in hand54/58€259k€146k▼
Deferred charges and accrued income490/1€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€3.75M€3.84M▲
Equity10/15€734k€1.09M▲
Contributions10/11€129k€129k=
Reserves13€606k€957k▲
Distributable reserves133€606k€957k▲
Amounts payable17/49€3.01M€2.76M▼
Amounts payable after more than one year17€2.09M€1.85M▼
Trade debts175€2.09M€1.85M▼
Amounts payable within one year42/48€913k€906k▼
Current portion of amounts payable after more than one year42€249k€250k▲
Trade debts44€513k€444k▼
Suppliers440/4€513k€444k▼
Taxes, remuneration and social security45€139k€197k▲
Taxes450/3€81k€138k▲
Remuneration and social security454/9€59k€60k▲
Other amounts payable47/48€11k€14k▲
Accrued charges and deferred income492/3€12k-
Income statement
Code20232024
Remuneration, social security and pensions62€319k€348k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€183k€186k▲
Other operating charges640/8€21k€21k▼
Gross operating margin9900€878k€1.00M▲
Operating profit (loss)9901€354k€448k▲
Financial income75/76B€2k€111k▲
Recurring financial income75€2k€111k▲
Financial charges65/66B€55k€53k▼
Recurring financial charges65€55k€53k▼
Profit (loss) for the period before taxes9903€301k€505k▲
Income taxes67/77€98k€137k▲
Profit (loss) for the period9904€203k€368k▲
Profit (loss) for the period to be appropriated9905€203k€368k▲
Appropriation of the result
Profit (loss) to be appropriated9906€203k€368k▲
Transfer from equity791/2€10k-
Transfer to equity691/2€200k€351k▲
To other reserves6921€200k€351k▲
Profit to be distributed694/7€13k€17k▲
Return on contributions (dividend)694€13k€17k▲
Social balance
Average headcount (FTE)90879.18.4▼
The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €368k ▲81%
Operating result €448k, net result €368k, both a record.
31-12
Financial
Equity above €1MEq €1.09M ▲47.8%
7 profitable years in a row build equity to €1.09M.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €500kEq €544k ▲43.2%
5 profitable years in a row build equity to €544k.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 66 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 1 day late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Liège · 1 establishment unit since 1996
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 Auguste-Ponson 34020 LiègeGround area
3,407 m²
Building footprint
915 m²
Volume, LiDAR
4,350 m³
Parcel 62059C0780/00B000, Wallonia · tallest building 11.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PROXY DELHAIZE
since 19962.077.891.240
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62059C0780/00B000 | Wallonia | 3,406 m² | 1 · 915 m² | 11.6 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyLiège2.077.891.240
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BOUILLON-KNOP
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RIBABOR
BE 0670.469.740
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PELTRI SHOPPING
BE 0438.668.543
Pelt · Eq €1,091,189
DELHAIZE HEUSDEN
BE 0412.905.244
Destelbergen · Eq €1,078,855
Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 2,164 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-07-1996
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.