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NOMA

Active
Private limited company·Handel in eigen onroerend goed· 4 yrs active
Rue Winston-Churchill 386 ·4020 Liège, Belgium
KBO/BCE: BE 0778.434.007
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Age4 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of NOMA is 1.4% (low). The 2023 annual accounts show equity of €1k. Its solvency ranks better than 34% of 656 sector peers (fiscal year 2023). The company has been active since 2021 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 31-12-2023 was due by 31-07-2024 and was filed on 31-08-2024, 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 31-12-2023, that is 31-07-2024.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2023 31-07-2024 31-08-2024 31 d late 2024-00426467

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 2021, 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
1.4% 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?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net resultNot included in this filing
Working capital€1k

Annual accounts & ratios

Source: NBB · 2023
Annual accounts filed on 31-08-2024 with the NBB · fiscal year 2023 · volledig
Sector comparison
Fiscal year 2023 · NACE 68, Real estate activities · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 4.5% 16.6%
better than 34% of 656 sector peers
Equity €1k €159k
better than 23% of 656 sector peers
Total assets €22k €1.76M
better than 5% of 656 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2023
Depositvolledig
Revenue-
EBITDA-
Net profit-
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€22k
Equity€1k
Debt€21k
of which ≤ 1y€21k
of which > 1y-
Working capital€1k
Employees (FTE)-
Ratios (computed)
2023
Current ratio1.05
Quick ratio0.01
Working capital ratio5.1%
Solvency4.5%
Debt / equity21.35
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-
ROE-
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€22k
Current assets 29/58€22k
Stocks & contracts in progress 3€22k
Cash & bank 54/58€150
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€22k
Equity 10/15€1k
Contributions / capital 10/11€1k
Amounts payable 17/49€21k
Amounts payable within one year 42/48€21k
Ratios computed by Checked.

Health barometer

FY 2023 · computed
No health score: the filing is too brief
The accounts filed for FY 2023 supply 2 of the 6 factors this model weighs. Below 3 we publish no score, because it would mostly describe the model rather than this company.
This is not a judgement about the company. Micro and abbreviated schemas may omit turnover (rubriek 70), which makes the EBITDA margin and often the interest coverage impossible to compute.

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 Winston-Churchill 3864020 Liège

Establishment units

1 location
NOMA
Rue Winston-Churchill 386, 4020 LiègeCafé-restaurants (tavernen)
since 20222.328.828.854
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

We have read too little about this company to state a profile. That is neither reassurance nor a warning.

Computed on 2 of 5 axes. Not measured: health, profitability, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability -
Solvency 15
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 1,130 of the 7,278 companies in this sector. 183 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110Cateringdiensten op contractbasis en overige diensten in verband met maaltijden56220Overige eetgelegenheden56290Overige reserveringsactiviteiten79909Bemiddelingsactiviteiten in verband met zakelijke dienstverlening, neg82400
Primary activity highlighted.
Names & trade names
Legal nameFR NOMA
Registered office
Rue Winston-Churchill 386
4020 Liège, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.