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NEOVILLA

Active
Gewerbestrasse 8 ·4700 Eupen, Belgium
KBO/BCE: BE 0802.537.913
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Age3 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of NEOVILLA is 1.2% (low). The 2024 annual accounts show equity of €61k and a net result of €-179k. Its solvency ranks better than 37% of 4951 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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.2% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-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?

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 30-09-2025, 61 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 30-09-2025 61 d late 2025-00519466

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.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-179k
Working capital€59k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 68, Real estate activities · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 5.1% 16.7%
better than 37% of 4951 sector peers
Net result €-179k €2k
better than 5% of 4943 sector peers
Equity €61k €27k
better than 64% of 4954 sector peers
Gross operating margin €-9k €27k
better than 10% of 4937 sector peers
Total assets €1.20M €302k
better than 84% of 4953 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€-16k
Net profit€-179k
Cash flow€-17k
Staff costs-
Income taxes-
Dividends-
Total assets€1.20M
Equity€61k
Debt€1.14M
of which ≤ 1y€37k
of which > 1y€1.10M
Working capital€59k
Employees (FTE)-
Ratios (computed)
2024
Current ratio2.59
Quick ratio2.59
Working capital ratio4.9%
Solvency5.1%
Debt / equity18.59
Long-term debt ratio17.98
Interest coverage-1.38
Gross margin-
Net margin-
ROA-14.9%
ROE-291.3%
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€1.20M
Fixed assets 21/28€1.10M
Formation expenses 20€2k
Tangible fixed assets 22/27€1.10M
Financial fixed assets 28€3k
Current assets 29/58€97k
Amounts receivable within one year 40/41€3k
Cash & bank 54/58€93k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1.20M
Equity 10/15€61k
Contributions / capital 10/11€240k
Accumulated profits (losses) 14€-179k
Amounts payable 17/49€1.14M
Amounts payable after one year 17€1.10M
Amounts payable within one year 42/48€37k
Trade debts payable within one year 44€200
Income statement
Gross operating margin 9900€-9k
Operating result 9901€-178k
Financial income 75€10k
Financial charges 65€11k
Result before taxes 9903€-179k
Net result for the period 9904€-179k
Result to be appropriated 9905€-179k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
35 / 100 Weak
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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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.

Gewerbestrasse 84700 Eupen

Establishment units

1 location
NEOVILLA
Gewerbestrasse 8, 4700 EupenHandel in eigen onroerend goed
since 20232.346.502.650
Physical sites registered in the Crossroads Bank for Enterprises (CBE).

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
Health35Profitability0Solvency37Growth-Stability79
38 / 100

Fragile profile, watch profitability in particular.

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

Health 35
Profitability 0
Solvency 37
Growth -
Stability 79

Ask AI about this company

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

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

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,097 of the 11,936 companies in this sector. 724 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameFR NEOVILLA
Registered office
Gewerbestrasse 8
4700 Eupen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.