NPS BELGIQUE
ActiveNPS BELGIQUE has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €12k and a net result of €-9k. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 31% of 4356 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-73
Solvency51▼-9
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.62 in 2023; short-term debt: 74.2% and cash: 38.6% of total assets), and 74.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
25.8%
Return on assets
-19.9%
Age of the figures
21 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
5 d early
2022
on the day
2021
31 d early
2020
15 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€12k▼ 74.8%
2023 · €48k
2020: €11k
2021: €31k
2022: €43k
2023: €48k
2020 → 2024
Total assets
€47k▼ 66.0%
2023 · €137k
2020: €23k
2021: €51k
2022: €93k
2023: €137k
2020 → 2024
Net result
€-9k
2023 · €5k
2020: €858
2021: €20k
2022: €12k
2023: €5k
2020 → 2024
Working capital
€12k▼ 70.5%
2023 · €41k
2020: €11k
2021: €31k
2022: €36k
2023: €41k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€11k-€31k▲ 183%€43k▲ 39.7%€48k▲ 11.1%€12k▼ 74.8%
Operating result€2k-€26k▲ 1,156%€17k▼ 35.8%€9k▼ 45.0%€-9k
Net result€858-€20k▲ 2,218%€12k▼ 38.6%€5k▼ 60.9%€-9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €9k after €9k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €47k
Equity
€12k▼ 74.8%
Debt
€35k▼ 61.3%
The debt ratio rises from 65.2% to 74.2%. Equity and debt are lower.
Key figures and ratios
Solvency
25.8%▼
2023 · 34.8%
Current ratio
1.35▼
2023 · 1.62
Quick ratio
1.35▼
2023 · 1.50
Debt / equity
2.87▲
2023 · 1.87
ROE
-77.2%▼
2023 · 10.0%
ROA
-19.9%▼
2023 · 3.5%
Debt
€35k▼
2023 · €89k
Debt ≤ 1 year
€35k▼
2023 · €66k
Income taxes
€249▼
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€137k€47k▼
Fixed assets21/28€30k-
Tangible fixed assets22/27€30k-
Furniture and vehicles24€30k-
Current assets29/58€107k€47k▼
Stocks and contracts in progress3€8k-
Stocks30/36€8k-
Amounts receivable within one year40/41€95k€29k▼
Trade receivables40€75k€9k▼
Other amounts receivable41€20k€20k▲
Cash at bank and in hand54/58€5k€18k▲
Equity and liabilities
Total equity and liabilities10/49€137k€47k▼
Equity10/15€48k€12k▼
Contributions10/11€10k€10k=
Reserves13€38k€2k▼
Distributable reserves133€38k€2k▼
Amounts payable17/49€89k€35k▼
Amounts payable after more than one year17€23k-
Financial debts170/4€23k-
Amounts payable within one year42/48€66k€35k▼
Current portion of amounts payable after more than one year42€7k-
Trade debts44€58k€8k▼
Suppliers440/4€58k€8k▼
Taxes, remuneration and social security45€360€278▼
Taxes450/3€360€278▼
Other amounts payable47/48-€26k
Income statement
Code20232024
Remuneration, social security and pensions62€25-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k-
Other operating charges640/8€1k€270▼
Non-recurring operating charges66A-€7k
Gross operating margin9900€18k€-2k▼
Operating profit (loss)9901€9k€-9k▼
Financial income75/76B€509€1k▲
Recurring financial income75€509€1k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€8k€-9k▼
Income taxes67/77€3k€249▼
Profit (loss) for the period9904€5k€-9k▼
Profit (loss) for the period to be appropriated9905€5k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€-9k▼
Transfer from equity791/2-€36k
Transfer to equity691/2€5k-
To other reserves6921€5k-
Profit to be distributed694/7-€26k
Return on contributions (dividend)694-€26k
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-9k ▼295%
Net result drops to €-9k, the lowest in the series.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €20k ▲2218%
Operating result €26k, net result €20k, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Tournai · 1 establishment unit since 2020
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.
Rue Haudion(LAM) 457522 TournaiGround area
234 m²
Building footprint
161 m²
Volume, LiDAR
800 m³
Parcel 57044B0113/00F000, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NPS BELGIQUE
since 20202.299.170.016
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57044B0113/00F000 | Wallonia | 234 m² | 1 · 161 m² | 7.1 m · 2 fl. |
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 1,451 companies in sector 74130 we hold annual accounts for 341. 247 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-01-2020
Fiscal year end31-12
Activities, NACEBEL
74104Other professional, scientific and technical activities
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.