MIVERA
ActiveMIVERA has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €158k and a net result of €-27k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 18% of 7689 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
20
/ 100
Critical▼ -24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-16
Solvency5▼-1
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.12 against 0.15 in 2024), and 91.9% 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
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 2025Solvency, return and age of the figures
Solvency
8.1%
Return on assets
-1.4%
Age of the figures
14 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 7689 sector peers (2025).
NBB · sector comparisonPosition among 7689 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-12-2025, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
53 d early
2023
2 d early
2022
1 d early
2021
5 d early
2020
17 d early
2019
58 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€158k▼ 14.5%
2024 · €185k
2019: €186k
2020: €183k
2021: €184k
2022: €182k
2023: €179k
2024: €185k
2019 → 2025
Total assets
€1.96M▲ 1.9%
2024 · €1.92M
2019: €1.39M
2020: €1.71M
2021: €2.13M
2022: €2.03M
2023: €2.02M
2024: €1.92M
2019 → 2025
Net result
€-27k
2024 · €6k
2019: €-4k
2020: €-3k
2021: €3k
2022: €-2k
2023: €-12k
2024: €6k
2019 → 2025
Working capital
€-533k▼ 11.1%
2024 · €-480k
2019: €-862k
2020: €-510k
2021: €-398k
2022: €-379k
2023: €-487k
2024: €-480k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€184k-€182k▼ 1.0%€179k▼ 1.9%€185k▲ 3.4%€158k▼ 14.5%
Operating result€23k-€23k▼ 2.8%€16k▼ 29.3%€43k▲ 172%€16k▼ 62.2%
Net result€3k-€-2k€-12k▼ 592%€6k€-27k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 62% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.96M
Fixed assets
€1.89M▲ 2.6%
Current assets
€72k▼ 13.4%
Equity and liabilities €1.96M
Equity
€158k▼ 14.5%
Provisions
€19k▼ 8.2%
Debt
€1.78M▲ 3.8%
The debt ratio rises from 89.3% to 91.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€155k▼
2024 · €158k
Cash flow
€112k▼
2024 · €121k
Solvency
8.1%▼
2024 · 9.6%
Current ratio
0.12▼
2024 · 0.15
Quick ratio
0.12▼
2024 · 0.15
Debt / equity
11.28▲
2024 · 9.30
ROE
-16.9%▼
2024 · 3.2%
ROA
-1.4%▼
2024 · 0.3%
Interest coverage
3.47▼
2024 · 4.07
Debt
€1.78M▲
2024 · €1.72M
Debt ≤ 1 year
€605k▲
2024 · €562k
Debt > 1 year
€1.16M▲
2024 · €1.14M
Income taxes
€128▼
2024 · €157
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€1.92M€1.96M▲
Fixed assets21/28€1.84M€1.89M▲
Tangible fixed assets22/27€1.84M€1.89M▲
Land and buildings22€1.83M€1.88M▲
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€7k€5k▼
Current assets29/58€83k€72k▼
Amounts receivable within one year40/41€17k€24k▲
Trade receivables40€14k€22k▲
Other amounts receivable41€4k€3k▼
Cash at bank and in hand54/58€55k€32k▼
Deferred charges and accrued income490/1€10k€15k▲
Equity and liabilities
Total equity and liabilities10/49€1.92M€1.96M▲
Equity10/15€185k€158k▼
Contributions10/11€19k€19k=
Reserves13€166k€139k▼
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€8k€8k=
Tax-exempt reserves132€62k€57k▼
Distributable reserves133€96k€75k▼
Provisions and deferred taxes16€21k€19k▼
Deferred taxes168€21k€19k▼
Amounts payable17/49€1.72M€1.78M▲
Amounts payable after more than one year17€1.14M€1.16M▲
Financial debts170/4€1.14M€1.16M▲
Amounts payable within one year42/48€562k€605k▲
Current portion of amounts payable after more than one year42€109k€115k▲
Trade debts44€9k€28k▲
Suppliers440/4€9k€28k▲
Taxes, remuneration and social security45€11k€11k▲
Taxes450/3€11k€11k▲
Other amounts payable47/48€433k€451k▲
Accrued charges and deferred income492/3€22k€23k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€115k€139k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€11k€13k▲
Non-recurring operating charges66A€900€0▼
Gross operating margin9900€170k€168k▼
Operating profit (loss)9901€43k€16k▼
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€39k€45k▲
Recurring financial charges65€39k€45k▲
Profit (loss) for the period before taxes9903€4k€-28k▼
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€157€128▼
Profit (loss) for the period9904€6k€-27k▼
Transfer from tax-exempt reserves789€5k€5k=
Profit (loss) for the period to be appropriated9905€11k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€-22k▼
Transfer from equity791/2€0€22k▲
Transfer to equity691/2€11k€0▼
To other reserves6921€11k€0▼
The notes to these accounts (12 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
2025
16-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet €-27k ▼546%
Net result drops to €-27k, the lowest in the series.
2024
09-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
14-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
04-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
08-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
20-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
15-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Nieuwerkerken (Limb.) · 1 establishment unit since 1998
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.
Schelfheidestraat 293850 Nieuwerkerken (Limb.)Ground area
2,248 m²
Building footprint
212 m²
Volume, LiDAR
1,175 m³
Parcel 71045C0181/00F000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Schelfheidestraat 29, 3850 Nieuwerkerken (Limb.)
since 19982.087.562.734
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71045C0181/00F000 | Flanders | 2,248 m² | 1 · 212 m² | 8.5 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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Qdera
BE 1028.630.263
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Depta
BE 0683.590.078
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VERWARMING WATER VERREKENING BENELUX
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Gent · Eq €158k
Of 24,423 companies in sector 82990 we hold annual accounts for 9,361. 7,065 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-05-1998
Fiscal year end30-06
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.