NONAM
ActiveNONAM has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €261k and a net result of €20k. Equity is growing by ~21.3% per year across the filed fiscal years. Its solvency ranks better than 19% of 7538 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2023
Profitability38▼-62
Solvency6=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days only on tighter terms
Liquidity short (current ratio 0.07 against 0.06 in 2023), and 90.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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 2025Solvency, return and age of the figures
Solvency
9.5%
Return on assets
0.7%
Age of the figures
8 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 7538 sector peers (2025).
NBB · sector comparisonPosition among 7538 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 7 filingsDeviation from the deadline
2025
28 d late
2024
28 d late
2023
29 d late
2022
31 d late
2021
26 d late
2020
27 d late
2019
91 d late
← before the deadline
after the deadline →
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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€261k▲ 9.4%
2023 · €239k
2021: €113k
2022: €186k
2023: €239k
2021 → 2025
Total assets
€2.76M▼ 4.5%
2023 · €2.89M
2021: €1.74M
2022: €1.82M
2023: €2.89M
2021 → 2025
Net result
€20k▼ 62.6%
2023 · €53k
2021: €112k
2022: €73k
2023: €53k
2021 → 2025
Working capital
€-1.14M▼ 3.9%
2023 · €-1.09M
2021: €-680k
2022: €-639k
2023: €-1.09M
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232025Trend
Equity€113k-€186k▲ 64.2%€239k▲ 28.7%€261k▲ 9.4%
Operating result€137k-€96k▼ 29.9%€112k▲ 16.6%€90k▼ 20.2%
Net result€112k-€73k▼ 35.1%€53k▼ 26.7%€20k▼ 62.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 20% below 2023 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €2.76M
Fixed assets
€2.67M▼ 5.4%
Current assets
€89k▲ 34.9%
Equity and liabilities €2.76M
Equity
€261k▲ 9.4%
Debt
€2.50M▼ 5.8%
The debt ratio falls from 91.7% to 90.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€233k▼
2023 · €242k
Cash flow
€164k▼
2023 · €183k
Solvency
9.5%▲
2023 · 8.3%
Current ratio
0.07▲
2023 · 0.06
Quick ratio
0.07▲
2023 · 0.06
Debt / equity
9.56▼
2023 · 11.09
ROE
7.6%▼
2023 · 22.3%
ROA
0.7%▼
2023 · 1.8%
Interest coverage
3.35▼
2023 · 4.10
Debt
€2.50M▼
2023 · €2.65M
Debt ≤ 1 year
€1.22M▲
2023 · €1.16M
Debt > 1 year
€1.27M▼
2023 · €1.49M
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 · 2025 against 2023
Balance sheet
Code20232025
Total assets
20/58€2.89M€2.76M▼
Fixed assets
21/28€2.82M€2.67M▼
Tangible fixed assets
22/27€2.77M€2.67M▼
Financial fixed assets
28€55k-
Current assets
29/58€66k€89k▲
Amounts receivable within one year
40/41€54k€19k▼
Cash & bank
54/58€11k€11k▼
Total equity & liabilities
10/49€2.89M€2.76M▼
Equity
10/15€239k€261k▲
Contributions / capital
10/11€105k€105k=
Reserves
13€134k€156k▲
Amounts payable
17/49€2.65M€2.50M▼
Amounts payable after one year
17€1.49M€1.27M▼
Amounts payable within one year
42/48€1.16M€1.22M▲
Trade debts payable within one year
44€2k€4k▲
Income statement
Code20232025
Gross operating margin
9900€252k€248k▼
Operating result
9901€112k€90k▼
Financial income
75-€0
Financial charges
65€59k€70k▲
Result before taxes
9903€53k€20k▼
Net result for the period
9904€53k€20k▼
Result to be appropriated
9905€53k€20k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €20k ▼62.6%
Net result drops to €20k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
16-01
State Gazette act
Capital & shares
DELPHINE COOREVITS
2024
26-09
State Gazette act
Miscellaneous
proposal
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Equity above €200kEq €239k ▲28.7%
3 profitable years in a row build equity to €239k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €150kEq €186k ▲64.2%
2 profitable years in a row build equity to €186k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 2 have been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 24,422 companies in sector 82990 we hold annual accounts for 9,160. 6,568 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-06-2018
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
46190Agents in non-specialised wholesale trade
66300Activities auxiliary to financial services and insurance activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 2 actsNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-07-2026. Scores and ratios are computed by Checked and are not a credit decision.