Novalucce
ActiveSummary
Novalucce has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €108k and a net result of €43k. Equity is growing by ~65.5% per year across the filed fiscal years. Its solvency ranks better than 82% of 9234 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
85
/ 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
Profitability100=
Solvency100▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 4.03 against 3.24 in 2024; short-term debt: 24.2% and cash: 3.8% of total assets), and 24.2% of the assets are financed with debt.
Credit check 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
75.8%
Return on assets
30.3%
Age of the figures
9 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
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 7 filingsDeviation from the deadline
2025
26 d late
2024
on the day
2023
on the day
2022
on the day
2021
2 d early
2020
25 d late
2019
7 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€108k▲ 73.5%
2024 · €62k
2019: €6k
2020: €8k
2021: €19k
2022: €21k
2023: €39k
2024: €62k
2019 → 2025
Total assets
€142k▲ 58.5%
2024 · €90k
2019: €9k
2020: €18k
2021: €26k
2022: €37k
2023: €66k
2024: €90k
2019 → 2025
Net result
€43k▲ 89.6%
2024 · €23k
2019: €-2k
2020: €779
2021: €11k
2022: €2k
2023: €18k
2024: €23k
2019 → 2025
Working capital
€104k▲ 68.2%
2024 · €62k
2019: €6k
2020: €-6k
2021: €5k
2022: €20k
2023: €39k
2024: €62k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€21k▲ 11.4%€39k▲ 87.1%€62k▲ 57.8%€108k▲ 73.5%
Operating result€16k-€3k▼ 80.5%€24k▲ 690%€28k▲ 13.4%€57k▲ 104%
Net result€11k-€2k▼ 81.0%€18k▲ 754%€23k▲ 24.1%€43k▲ 89.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 104% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €142k
Fixed assets
€4k ▲ 1,457%
Current assets
€138k ▲ 54.8%
Equity and liabilities €142k
Equity
€108k ▲ 73.5%
Debt
€34k ▲ 24.7%
Debt's share of the balance-sheet total falls from 30.8% to 24.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€57k▲
2024 · €28k
Cash flow
€44k▲
2024 · €23k
Current ratio
4.03▲
2024 · 3.24
Debt to equity
0.32▼
2024 · 0.44
ROE
40.0%▲
2024 · 36.6%
ROA
30.3%▲
2024 · 25.4%
Interest coverage
68.00▼
2024 · 276.77
Debt ≤ 1 year
€34k▲
2024 · €28k
Income taxes
€18k▲
2024 · €9k
Staff costs
€2k▲
2024 · €138
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€90k€142k▲
Fixed assets21/28€234€4k▲
Tangible fixed assets22/27€234€4k▲
Plant, machinery and equipment23-€4k
Furniture and vehicles24€234€33▼
Current assets29/58€89k€138k▲
Amounts receivable within one year40/41€88k€133k▲
Trade receivables40€5k€29k▲
Other amounts receivable41€83k€104k▲
Cash at bank and in hand54/58€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€90k€142k▲
Equity10/15€62k€108k▲
Contributions10/11€8k€11k▲
Outside capital11€8k€11k▲
Other1109/19€8k€11k▲
Reserves13€54k€97k▲
Distributable reserves133€54k€97k▲
Amounts payable17/49€28k€34k▲
Amounts payable within one year42/48€28k€34k▲
Trade debts44€9k€6k▼
Suppliers440/4€9k€6k▼
Taxes, remuneration and social security45€19k€29k▲
Taxes450/3€19k€29k▲
Income statement
Code20242025
Remuneration, social security and pensions62€138€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€201€838▲
Other operating charges640/8€916€1k▲
Gross operating margin9900€29k€60k▲
Operating profit (loss)9901€28k€57k▲
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€101€845▲
Recurring financial charges65€101€845▲
Profit (loss) for the period before taxes9903€32k€61k▲
Income taxes67/77€9k€18k▲
Profit (loss) for the period9904€23k€43k▲
Profit (loss) for the period to be appropriated9905€23k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€43k▲
Transfer to equity691/2€23k€43k▲
To other reserves6921€23k€43k▲
The notes to these accounts (4 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
31-12
Financial
Highest result since 2019net €43k ▲89.6%
Operating result €57k, net result €43k, both a record.
31-12
Financial
Equity above €100kEq €108k ▲73.5%
6 profitable years in a row build equity to €108k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 1.74
Current ratio from 0.42 to 1.74; short-term debt falls from €10k to €7k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Back to profitnet €779
Net result €779 after one loss-making year.
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Mechelen · 1 establishment unit since 2018
Ground area
4,453 m²
Building footprint
1,124 m²
Volume, LiDAR
17,169 m³
2 parcels, Flanders · tallest building 24.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Novalucce
since 20182.281.767.523
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12402A0204/00R000 | Flanders | 3,774 m² | 1 · 1,004 m² | 24.9 m · 6 fl. |
| 12404G0325/00G000 | Flanders | 679 m² | 1 · 119 m² | 5.3 m · 1 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.
Recognitions · licences · registrations
Dual-learning approval
3 live approvalsDecoratie en schilderwerken duaal (so)
Medewerker schilder- en behangwerken duaal (so)
Schilder-decorateur (vwo)
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JUMI CONSTRUCT
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M&A Bouwcoördinatie
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Of 9,693 companies in sector 68121 we hold annual accounts for 7,385. 5,318 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 (pre-2019)
Founded08-08-2018
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
43341Painting of buildings
43230Insulation installation
43240Other construction installation
43350Other building finishing work
43910Bricklaying and masonry work
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.