NOMA
ActiveSummary
NOMA has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.05M and a net result of €26k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 69% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-2
Solvency88=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 1.94 against 1.57 in 2024; short-term debt: 21.9% and cash: 2.8% of total assets), and 36.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 · 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
63.1%
Return on assets
1.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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.
NBB · 10 filingsDeviation from the deadline
2025
4 d late
2024
6 d late
2023
30 d late
2022
24 d late
2021
16 d early
2020
72 d late
2019
69 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.05M▲ 2.5%
2024 · €1.03M
2018: €446k
2019: €600k
2020: €713k
2021: €883k
2022: €976k
2023: €974k
2024: €1.03M
2018 → 2025
Total assets
€1.67M▲ 2.3%
2024 · €1.63M
2018: €1.07M
2019: €1.18M
2020: €1.30M
2021: €1.43M
2022: €1.70M
2023: €1.69M
2024: €1.63M
2018 → 2025
Net result
€26k▼ 52.7%
2024 · €54k
2018: €6k
2019: €154k
2020: €113k
2021: €171k
2022: €93k
2023: €-2k
2024: €54k
2018 → 2025
Working capital
€342k▲ 51.7%
2024 · €226k
2018: €-228k
2019: €-100k
2020: €-47k
2021: €28k
2022: €13k
2023: €148k
2024: €226k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€883k-€976k▲ 10.5%€974k▼ 0.2%€1.03M▲ 5.6%€1.05M▲ 2.5%
Operating result€173k-€99k▼ 42.8%€10k▼ 89.7%€97k▲ 855%€56k▼ 42.9%
Net result€171k-€93k▼ 45.6%€-2k€54k€26k▼ 52.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 43% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.67M
Fixed assets
€962k ▼ 4.5%
Current assets
€708k ▲ 13.4%
Equity and liabilities €1.67M
Equity
€1.05M ▲ 2.5%
Debt
€616k ▲ 2.0%
Debt's share of the balance-sheet total falls from 37.0% to 36.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€158k▼
2024 · €210k
Cash flow
€128k▼
2024 · €167k
Current ratio
1.94▲
2024 · 1.57
Quick ratio
0.23▼
2024 · 0.27
Debt to equity
0.58▼
2024 · 0.59
ROE
2.4%▼
2024 · 5.3%
ROA
1.5%▼
2024 · 3.3%
Interest coverage
6.64▼
2024 · 8.11
Debt ≤ 1 year
€366k▼
2024 · €398k
Debt > 1 year
€237k▲
2024 · €189k
Income taxes
€13k▼
2024 · €21k
Staff costs
€62k▼
2024 · €128k
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 · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.63M€1.67M▲
Fixed assets21/28€1.01M€962k▼
Tangible fixed assets22/27€1.01M€959k▼
Land and buildings22€756k€750k▼
Plant, machinery and equipment23€44k€32k▼
Furniture and vehicles24€207k€177k▼
Financial fixed assets28€24€3k▲
Current assets29/58€624k€708k▲
Stocks and contracts in progress3€516k€623k▲
Stocks30/36€516k€623k▲
Amounts receivable within one year40/41€95k€25k▼
Trade receivables40€71k€7k▼
Other amounts receivable41€24k€18k▼
Cash at bank and in hand54/58€1k€47k▲
Deferred charges and accrued income490/1€11k€12k▲
Equity and liabilities
Total equity and liabilities10/49€1.63M€1.67M▲
Equity10/15€1.03M€1.05M▲
Contributions10/11€198k€198k=
Revaluation surpluses12€679k€679k=
Reserves13€192k€192k=
Tax-exempt reserves132€123k€123k=
Distributable reserves133€70k€70k=
Profit (loss) carried forward14€-42k€-16k▲
Amounts payable17/49€603k€616k▲
Amounts payable after more than one year17€189k€237k▲
Financial debts170/4€189k€237k▲
Amounts payable within one year42/48€398k€366k▼
Current portion of amounts payable after more than one year42€60k€39k▼
Financial debts43-€50k
Credit institutions430/8-€50k
Trade debts44€202k€241k▲
Suppliers440/4€202k€241k▲
Taxes, remuneration and social security45€23k€18k▼
Taxes450/3€13k€11k▼
Remuneration and social security454/9€10k€7k▼
Other amounts payable47/48€113k€17k▼
Accrued charges and deferred income492/3€16k€13k▼
Income statement
Code20242025
Remuneration, social security and pensions62€128k€62k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€112k€102k▼
Other operating charges640/8€20k€20k▼
Gross operating margin9900€358k€240k▼
Operating profit (loss)9901€97k€56k▼
Financial income75/76B€4k€7k▲
Recurring financial income75€4k€7k▲
Financial charges65/66B€26k€24k▼
Recurring financial charges65€26k€24k▼
Profit (loss) for the period before taxes9903€75k€39k▼
Income taxes67/77€21k€13k▼
Profit (loss) for the period9904€54k€26k▼
Profit (loss) for the period to be appropriated9905€54k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-42k€-16k▲
Profit (loss) brought forward from the previous period14P€-96k€-42k▲
Social balance
Average headcount (FTE)90871.60.8▼
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 4 days late
2025
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 6 days late
2024
31-12
Financial
Back to profitnet €54k
Net result €54k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.03M ▲5.6%
Equity rises from €974k to €1.03M.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-2k ▼102%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €171k ▲51.7%
Operating result €173k, net result €171k, both a record.
11-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 72 days late
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 69 days late
2019
31-12
Financial
Equity above €500kEq €600k ▲34.6%
2 profitable years in a row build equity to €600k.
Show earlier events
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 270 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Staden · 1 establishment unit since 1983
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.
Diksmuidestraat(STA) 648840 StadenGround area
9,791 m²
Building footprint
5,668 m²
Volume, LiDAR
41,755 m³
Parcel 36019E1102/00Y000, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Noma Cool
since 19832.023.954.488
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36019E1102/00Y000 | Flanders | 9,791 m² | 1 · 5,668 m² | 10.7 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,681 EUR awarded · 1,681 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 960 EUR | 960 EUR |
| 2024 | 1 | 225 EUR | 225 EUR |
| 2023 | 1 | 59 EUR | 59 EUR |
| 2022 | 1 | 437 EUR | 437 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,170 companies in sector 46499 we hold annual accounts for 743. 492 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
Founded14-02-1983
Fiscal year end31-12
Activities, NACEBEL 2025
46499Wholesale of other household goods
46647Wholesale trade
43222Installation of electric heating, air conditioning, cooling and ventilation
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 43 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.