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NOVAOPS

Active
Private limited company·Ontwerpen van computerprogramma’s· 3 yrs active
Maarschalk Joffrelaan 58 ·1190 Vorst, Belgium
KBO/BCE: BE 0791.590.373
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Age3 yrs
Real estate1 parcel · 678 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of NOVAOPS is 0.9% (low). The 2024 annual accounts show equity of €210k and a net result of €95k. Its solvency ranks better than 85% of 7336 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

2 signals · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 85% of 7336 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

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, 12 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.
Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
The year end is derived from 2 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 31-10-2025 92 d late 2025-00559273
31-12-2023 31-07-2024 21-01-2025 174 d late 2025-00008619

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 2022, 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
0.9% 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

Turnover€152k
EBIT margin79.1%
Net result€95k-14.5%
Working capital€208k+86.7%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 31-10-2025 with the NBB · fiscal year 2024 · micro
€0€50k€100k€150kOperating result 2023: €142k€142kNet result 2023: €112k€112kRevenue 2024: €152k€152kOperating result 2024: €121k€121kNet result 2024: €95k€95k20232024
RevenueOperating resultNet result
Sector comparison
Fiscal year 2024 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 85.9% 65.0%
better than 85% of 7336 sector peers
Net result €95k €32k
better than 93% of 7333 sector peers
Equity €210k €58k
better than 92% of 7338 sector peers
Gross operating margin €122k €52k
better than 89% of 7327 sector peers
Total assets €244k €103k
better than 86% of 7339 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€152k
- 23-24
EBITDA
€122k
-14.7% 23-24
Net profit
€95k
-14.5% 23-24
Cash flow
€97k
-13.9% 23-24
Total assets
€244k
+54.6% 23-24
Equity
€210k
+83.3% 23-24
Working capital
€208k
+86.7% 23-24
Income taxes
€25k
-17.4% 23-24
Debt
€34k
-21.0% 23-24
Debt ≤ 1y
€34k
-21.0% 23-24
Current ratio
7.05
+98.1% 23-24
Quick ratio
7.05
+98.1% 23-24
Solvency
85.9%
+18.6% 23-24
Debt / equity
0.16
-56.9% 23-24
ROE
45.4%
-53.3% 23-24
ROA
39.0%
-44.7% 23-24
Net margin
62.6%
- 23-24
EBITDA margin
79.9%
- 23-24
Interest coverage
1685.01
-100.0% 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue€152k
EBITDA€122k
Net profit€95k
Cash flow€97k
Staff costs-
Income taxes€25k
Dividends-
Total assets€244k
Equity€210k
Debt€34k
of which ≤ 1y€34k
of which > 1y-
Working capital€208k
Employees (FTE)-
Ratios (computed)
2024
Current ratio7.05
Quick ratio7.05
Working capital ratio85.2%
Solvency85.9%
Debt / equity0.16
Long-term debt ratio-
Interest coverage1685.01
Gross margin79.7%
Net margin62.6%
ROA39.0%
ROE45.4%
EBITDA margin79.9%
Days sales outstanding39d
Days payable outstanding11d
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€244k
Fixed assets 21/28€2k
Tangible fixed assets 22/27€2k
Current assets 29/58€242k
Amounts receivable within one year 40/41€16k
Investments 50/53€175k
Cash & bank 54/58€51k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€244k
Equity 10/15€210k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€207k
Amounts payable 17/49€34k
Amounts payable within one year 42/48€34k
Trade debts payable within one year 44€947
Income statement
Turnover 70€152k
Gross operating margin 9900€122k
Operating result 9901€121k
Financial income 75€165
Financial charges 65€72
Result before taxes 9903€121k
Income taxes 67/77€25k
Net result for the period 9904€95k
Result to be appropriated 9905€95k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
100 / 100 Excellent
050100
Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from 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.

Maarschalk Joffrelaan 581190 Vorst

Establishment units

1 location
NOVAOPS
Maarschalk Joffrelaan 58, 1190 VorstUitgeven van overige software
since 20222.336.363.774
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area678 m²
Buildings1
Building footprint141 m²
Volume (LiDAR)2,084 m³
Tallest building19.9 m · ±5 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.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21383B0031/00F038 Brussels 678 m² 1 · 141 m² 19.9 m · 5 fl.
Methodology
via registered seat: 1
1 of 1 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

Belgisch Staatsblad · acts

1 acts
Address history · 1
24-08-2023
Registered-office move
All acts · 1 updated 2 years ago
2023
24-08-2023 Registered office moved to Forest Registered-office change
  • Avenue Maréchal Joffre 58/et 1, 1190 Forest

Analysis

Snowflake analysis

financial profile on 5 axes
Health100Profitability100Solvency100Growth52Stability94
89 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100
Profitability 100
Solvency 100
Growth 52
Stability 94

Ask AI about this company

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AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

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 2,789 of the 16,726 companies in this sector. 2,003 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Ontwerpen en programmeren van computerprogramma's62010Ontwerpen van computerprogramma’s62100Overige uitgeverijen van software58290Uitgeven van overige software58290Beheer van computerfaciliteiten62030Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Computerinfrastructuur, gegevensverwerking, hosting en aanverwante activiteiten63100Gegevensverwerking, webhosting en aanverwante activiteiten63110Webportalen63120Activiteiten van webportalen63910Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameFR NOVAOPS
Registered office
Maarschalk Joffrelaan 58 bus et 1
1190 Vorst, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.