NOW.be
ActiveNOW.be has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €208k and a net result of €14k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 47% of 2027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+6
Solvency65▲+7
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 1.73 against 1.46 in 2024; short-term debt: 57.2% and cash: 27.8% of total assets), but 59.6% 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 85
Relative position
BE, all sectors
reference
Sector 85
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
40.4%
Return on assets
2.8%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
65 d early
2023
30 d late
2022
on the day
2021
1 d late
2020
58 d late
2019
31 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€14k▲ 86.6%
2024 · €8k
2018: €10k
2019: €-40k
2020: €83k
2021: €-36k
2022: €67k
2023: €20k
2024: €8k
2018 → 2025
Working capital
€215k▲ 17.9%
2024 · €182k
2018: €94k
2019: €48k
2020: €147k
2021: €91k
2022: €210k
2023: €277k
2024: €182k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€128k-€166k▲ 29.6%€186k▲ 12.0%€194k▲ 4.1%€208k▲ 7.4%
Operating result€-32k-€81k€31k▼ 61.3%€11k▼ 66.6%€19k▲ 82.7%
Net result€-36k-€67k€20k▼ 70.2%€8k▼ 61.3%€14k▲ 86.6%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 83% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €515k
Fixed assets
€6k▼ 68.6%
Current assets
€509k▼ 11.6%
Equity and liabilities €515k
Equity
€208k▲ 7.4%
Debt
€307k▼ 23.5%
The debt ratio falls from 67.5% to 59.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€30k▲
2024 · €21k
Cash flow
€25k▲
2024 · €19k
Solvency
40.4%▲
2024 · 32.5%
Current ratio
1.73▲
2024 · 1.46
Quick ratio
1.73▲
2024 · 1.46
Debt / equity
1.48▼
2024 · 2.08
ROE
6.9%▲
2024 · 4.0%
ROA
2.8%▲
2024 · 1.3%
Interest coverage
9.41▲
2024 · 5.45
Debt
€307k▼
2024 · €402k
Debt ≤ 1 year
€295k▼
2024 · €394k
Income taxes
€6k▲
2024 · €4k
Staff costs
€22k▲
2024 · €13k
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 2024
Balance sheet
Code20242025
Assets
Total assets20/58€596k€515k▼
Fixed assets21/28€19k€6k▼
Intangible fixed assets21€10k€0▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€8k€5k▼
Current assets29/58€576k€509k▼
Amounts receivable after more than one year29€101k€0▼
Other amounts receivable291€101k€0▼
Amounts receivable within one year40/41€286k€332k▲
Trade receivables40€208k€229k▲
Other amounts receivable41€78k€103k▲
Cash at bank and in hand54/58€179k€143k▼
Deferred charges and accrued income490/1€10k€34k▲
Equity and liabilities
Total equity and liabilities10/49€596k€515k▼
Equity10/15€194k€208k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€186k€200k▲
Amounts payable17/49€402k€307k▼
Amounts payable within one year42/48€394k€295k▼
Current portion of amounts payable after more than one year42€7k€0▼
Financial debts43-€7k
Credit institutions430/8-€7k
Trade debts44€293k€239k▼
Suppliers440/4€293k€239k▼
Taxes, remuneration and social security45€20k€31k▲
Taxes450/3€18k€31k▲
Remuneration and social security454/9€2k€231▼
Other amounts payable47/48€75k€18k▼
Accrued charges and deferred income492/3€8k€13k▲
Income statement
Code20242025
Remuneration, social security and pensions62€13k€22k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▼
Other operating charges640/8€199€5k▲
Gross operating margin9900€34k€56k▲
Operating profit (loss)9901€11k€19k▲
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€12k€21k▲
Income taxes67/77€4k€6k▲
Profit (loss) for the period9904€8k€14k▲
Profit (loss) for the period to be appropriated9905€8k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€186k€200k▲
Profit (loss) brought forward from the previous period14P€178k€186k▲
The notes to these accounts (14 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €208k ▲7.4%
4 profitable years in a row build equity to €208k.
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €67k
Net result €67k after one loss-making year.
31-12
Financial
Equity above €150kEq €166k ▲29.6%
Equity rises from €128k to €166k.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 1 day late
2021
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 58 days late
2020
31-12
Financial
Back to profitnet €83k
Net result €83k after one loss-making year.
31-12
Financial
Equity above €150kEq €164k ▲103%
Equity rises from €81k to €164k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-40k ▼514%
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 1 day late
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Namur · 1 establishment unit since 2010
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.
Avenue Reine Elisabeth(BZ) 1705000 NamurGround area
566 m²
Building footprint
49 m²
Parcel 92009B0060/00A007, Wallonia. Linked by address, not a title deed.
1 establishment unit
NOW.be
since 20102.190.772.516
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92009B0060/00A007 | Wallonia | 566 m² | 1 · 49 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 11,671 companies in sector 85599 we hold annual accounts for 1,329. 940 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-08-2010
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
85599Other education
46500Wholesale of information and communication equipment
46510Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@now.be
Website:www.NOW;be