Financials
- Fiscal year
- 2025
- Total assets
- €21,197
- Profit
- €644
- Solvency
- 8.0%
Turnover▲ 46.7%
Net result
20192023
NIBEL
ActiveSummary
NIBEL has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1,696 and a net result of €644. Equity is shrinking by ~19.5% per year across the filed fiscal years. Its solvency ranks better than 28% of 20110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Overview
Activity
Non-specialised retail sale with food, beverages or tobacco predominating
NACE 47110NACE 47112NACE 52112
1 site
Size
€21,197total assets 2025
- Equity
- €1,696
- Profit
- €644
Structure
Accounts on time
Why 68- Sector Retail trade (NACE 47)- Figures for FY 2025 (filed 10-11-2025)+ Size: total assets €21,197+ Founded in 1990Show the evidence
Checked score
Score 2025
68
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 46% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
33+3
equity 8.0% of total assets
Liquidity
14+7
short-term debt 92.0% · cash 11.1%
Profitability
73+73
return on assets 3.0%
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 13 months
10-2025: 1.9%
11-2025: 2.6%▲ +36.6% vs 10-2025highest value
12-2025: 0.5%▼ -81.7% vs 11-2025
01-2026: 0.5%● 0.0% vs 12-2025
02-2026: 0.5%● 0.0% vs 01-2026
03-2026: 0.5%● 0.0% vs 02-2026
04-2026: 0.5%▼ -1.1% vs 03-2026lowest value
05-2026: 0.5%● 0.0% vs 04-2026lowest value
06-2026: 0.5%▲ +0.9% vs 05-2026
07-2026: 0.5%▲ +3.0% vs 06-2026
08-2026: 0.5%▲ +1.0% vs 07-2026
09-2026: 0.5%▼ -3.1% vs 08-2026
10-2026: 0.8%▲ +68.4% vs 09-2026
- Sector Retail trade (NACE 47) raises the probability
- Size: total assets €21,197 lowers the probability for this profile
- Figures for FY 2025 (filed 10-11-2025) raises the probability
- Founded in 1990 lowers the probability for this profile
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 25%, liquidity 13%, profitability 56%, growth against the median 88%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
5 d late
2023
44 d early
2022
2 d late
2020
40 d early
2019
77 d early
2018
43 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 28 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 31 October (4 of the last 5 filed years within 40 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close02-10-2026 today31-10-2026 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Back to profitnet €644
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 13
- Since
- 2014
- Next accounts
- by 31-10-2026
- 31-10-2025Annual accounts filed
- 31-03-2025Back to profit
- 05-11-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Coöperatieve vennootschap met beperkte aansprakelijkheid
- Activity
- Non-specialised retail sale with food, beverages or tobacco…NACE 47110
- Founded
- 05-04-1990
- Year ends
- 31-03
- Peppol
- Reachable for e-invoices
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