NOVA MANUS · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of NOVA MANUS is 0.3% (very low). The 2024 annual accounts show equity of €186k and a net result of €28k. Equity is growing by ~22.2% per year across the filed fiscal years. Its solvency ranks better than 81% of 6584 sector peers (fiscal year 2024). 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 3 annual accounts.

Signals

3 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 81% of 6584 peers (2024). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Growing equity

Equity grew over 2022-2024. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 17 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-05-2025, 65 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

The year end is derived from 3 filed financial years, each closing on 31-12. 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
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	27-05-2025	65 d early	2025-00117899
31-12-2023	31-07-2024	07-06-2024	54 d early	2024-00120868
31-12-2022	31-07-2023	16-06-2023	45 d early	2023-00136490

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

0.3% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Higher-failure-rate region +

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 result€28k-36.0%

Working capital€179k+20.0%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 27-05-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~22.2%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 86, Human health · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	86.5%	66.7%	better than 81% of 6584 sector peers
Net result	€28k	€46k	better than 36% of 6578 sector peers
Equity	€186k	€79k	better than 77% of 6584 sector peers
Gross operating margin	€46k	€78k	better than 32% of 6586 sector peers
Total assets	€215k	€154k	better than 63% of 6587 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P81

Stable position over 2022-2024 · n=3684-6584

Net result P36

Weakening position over 2022-2024 · n=3682-6578

Equity P77

Stable position over 2022-2024 · n=3684-6584

Gross operating margin P32

Weakening position over 2022-2024 · n=3680-6586

Describes the position versus peers, not a forecast.

EBITDA

€40k

-38.3% 22-24

Net profit

€28k

-36.0% 22-24

Cash flow

€31k

-34.1% 22-24

Total assets

€215k

+6.7% 22-24

Equity

€186k

+17.2% 22-24

Working capital

€179k

+20.0% 22-24

Income taxes

€10k

-45.7% 22-24

Dividends

€859

+3.1% 22-24

Show 9 other metrics

Debt

€29k

-32.1% 22-24

Debt ≤ 1y

€29k

-32.1% 22-24

Current ratio

7.18

+59.7% 22-24

Quick ratio

7.18

+59.7% 22-24

Solvency

86.5%

+9.8% 22-24

Debt / equity

0.16

-42.1% 22-24

ROE

15.1%

-45.4% 22-24

ROA

13.1%

-40.0% 22-24

Interest coverage

45.35

-41.8% 22-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€40k
Net profit	€28k
Cash flow	€31k
Staff costs	-
Income taxes	€10k
Dividends	€859
Total assets	€215k
Equity	€186k
Debt	€29k
of which ≤ 1y	€29k
of which > 1y	-
Working capital	€179k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	7.18
Quick ratio	7.18
Working capital ratio	83.5%
Solvency	86.5%
Debt / equity	0.16
Long-term debt ratio	-
Interest coverage	45.35
Gross margin	-
Net margin	-
ROA	13.1%
ROE	15.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €6k · 3.0% Current assets €208k · 97.0%

Equity & liabilities

Equity €186k · 86.5% Debt €29k · 13.5%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€215k
Fixed assets	21/28	€6k
Tangible fixed assets	22/27	€6k
Current assets	29/58	€208k
Amounts receivable within one year	40/41	€61k
Investments	50/53	€17k
Cash & bank	54/58	€99k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€215k
Equity	10/15	€186k
Contributions / capital	10/11	€9k
Reserves	13	€177k
Accumulated profits (losses)	14	€423
Amounts payable	17/49	€29k
Amounts payable within one year	42/48	€29k
Trade debts payable within one year	44	€4k
Income statement
Gross operating margin	9900	€46k
Operating result	9901	€38k
Financial income	75	€1k
Financial charges	65	€893
Result before taxes	9903	€38k
Income taxes	67/77	€10k
Net result for the period	9904	€28k
Result to be appropriated	9905	€28k

This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

93 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

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.

Brugmannlaan 4151180 Ukkel

Establishment units

1 location

NOVA MANUS

Allée des Templiers(VIS) 6, 4600 ViséActiviteiten van medisch specialisten

since 20212.316.013.867

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels2

Ground area997 m²

Buildings2

Building footprint263 m²

Volume (LiDAR)2,458 m³

Tallest building19.0 m · ±6 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (50%) Brussels 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62108C0579/00K002	Wallonia	613 m²	1 · 114 m²	-
21016B0212/00X005	Brussels	384 m²	1 · 149 m²	19.0 m · 6 fl.

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.

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.