NOAVAL
ActiveNOAVAL has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €67k and a net result of €4k. Equity is growing by ~44% per year across the filed fiscal years. Its solvency ranks better than 39% of 3540 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability51=
Solvency51▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.8 against 0.91 in 2023; short-term debt: 31.7% and cash: 8.3% of total assets), and 73.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
26.4%
Return on assets
1.5%
Age of the figures
20 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 28-06-2025, 33 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
33 d early
2023
30 d late
2022
24 d late
2021
31 d late
2020
60 d late
2019
89 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4k▼ 20.4%
2023 · €5k
2018: €4k
2019: €-29k
2020: €4k
2021: €7k
2022: €36k
2023: €5k
2018 → 2024
Working capital
€-17k▼ 73.3%
2023 · €-10k
2018: €-34k
2019: €-60k
2020: €-46k
2021: €-52k
2022: €-5k
2023: €-10k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€15k-€23k▲ 48.6%€59k▲ 161%€64k▲ 8.0%€67k▲ 5.9%
Operating result€11k-€14k▲ 28.5%€47k▲ 237%€12k▼ 75.4%€10k▼ 14.0%
Net result€4k-€7k▲ 67.0%€36k▲ 394%€5k▼ 87.1%€4k▼ 20.4%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 14% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €256k
Fixed assets
€191k▼ 2.0%
Current assets
€64k▼ 36.9%
Equity and liabilities €256k
Equity
€67k▲ 5.9%
Debt
€188k▼ 19.4%
The debt ratio falls from 78.6% to 73.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▼
2023 · €19k
Cash flow
€11k▼
2023 · €12k
Solvency
26.4%▲
2023 · 21.4%
Current ratio
0.80▼
2023 · 0.91
Quick ratio
0.66▼
2023 · 0.91
Debt / equity
2.79▼
2023 · 3.67
ROE
5.6%▼
2023 · 7.4%
ROA
1.5%▼
2023 · 1.6%
Interest coverage
3.62▼
2023 · 3.69
Debt
€188k▼
2023 · €234k
Debt ≤ 1 year
€81k▼
2023 · €112k
Debt > 1 year
€106k▼
2023 · €122k
Income taxes
€1k▼
2023 · €2k
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€297k€256k▼
Fixed assets21/28€195k€191k▼
Tangible fixed assets22/27€195k€191k▼
Land and buildings22€192k€186k▼
Plant, machinery and equipment23€836€3k▲
Furniture and vehicles24-€1k
Other tangible fixed assets26€2k€2k▼
Current assets29/58€102k€64k▼
Stocks and contracts in progress3-€11k
Stocks30/36-€11k
Amounts receivable within one year40/41€67k€32k▼
Trade receivables40€61k€27k▼
Other amounts receivable41€6k€6k▼
Cash at bank and in hand54/58€33k€21k▼
Deferred charges and accrued income490/1€3k€90▼
Equity and liabilities
Total equity and liabilities10/49€297k€256k▼
Equity10/15€64k€67k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€56k€59k▲
Amounts payable17/49€234k€188k▼
Amounts payable after more than one year17€122k€106k▼
Financial debts170/4€122k€106k▼
Amounts payable within one year42/48€112k€81k▼
Current portion of amounts payable after more than one year42€15k€16k▲
Trade debts44€4k€14k▲
Suppliers440/4€4k€14k▲
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Other amounts payable47/48€88k€48k▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€3k€7k▲
Gross operating margin9900€22k€25k▲
Operating profit (loss)9901€12k€10k▼
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€6k€5k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€5k€4k▼
Profit (loss) for the period to be appropriated9905€5k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€59k▲
Profit (loss) brought forward from the previous period14P€51k€56k▲
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
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Highest result since 2018net €36k ▲394%
Operating result €47k, net result €36k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
31-12
Financial
Weakest financial yearnet €-29k ▼834%
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 56 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
2016
29-07
NBB filing
Annual accounts filed
fiscal year 2015 · full 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, Ecaussinnes · 1 establishment unit since 2006
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 du Bois d'Haurrues 197191 EcaussinnesGround area
1,259 m²
Building footprint
246 m²
Volume, LiDAR
932 m³
2 parcels, Wallonia · tallest building 12.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Vincent 1000 Autos
since 20062.157.881.596
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55009A0270/00W002 | Wallonia | 1,156 m² | 1 · 163 m² | - |
| 25764Q0852/00B000 | Wallonia | 103 m² | 1 · 83 m² | 12.8 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
MIRAY
BE 0717.888.585
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LUCA MOTOR
BE 0794.122.667
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TRUCK AND CAR RENTING
BE 0421.181.918
Durbuy · Eq €68k
AUTO'S ERWICO
BE 0437.068.439
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Garage Barrial
BE 1016.359.961
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Of 7,377 companies in sector 95311 we hold annual accounts for 2,957. 2,210 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-11-2006
Fiscal year end31-12
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
45310
47820Retail sale of motor vehicle parts and accessories
46720Wholesale of motor vehicle parts and accessories
50101
50103
50301
50302
71100
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.
Contact details
1 entryPhone:0475/917369