Investments
Green is investment, beige is depreciation.
Green is investment, beige is depreciation.
Between 2009 and 2025, 43% of the full-time equivalents disappeared.
NIMA pays its suppliers 75 days later than in 2024. Customers pay 8 days earlier.
In July 2024, 17,041 companies had the same profile as NIMA has now. Each dot stands for 43 companies, two years later.
Another 0.2% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,041 companies, not a prediction for NIMA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| NIMA Jette | €1.1m | €243,267 | 33.6% | 3 |
| CARROSSERIE HOEFKENS Herenthout | €1.0m | €379,022 | 78.1% | 2.6 |
| CARROSSERIE DU DOCQ Sombreffe | €0.8m | €281,719 | 64.8% | 3 |
| KAREL LAUWERS Arendonk | €1.6m | €325,140 | 63.4% | 2.6 |
| LODEWIJCKX Mol | €1.7m | €287,381 | 66.9% | 2 |
| CARGO SERVICE Kalmthout | €1.3m | €383,888 | 33.6% | 4.3 |
| AUTOSCHADE LAZOORE Nieuwpoort | €1.3m | €508,608 | 37.1% | 3.3 |
These companies have the same main activity as NIMA: bodywork repair (including spraying and painting) (NACE 95314). They are comparable in size and age: total assets between €806,000 and €1.7m, founded between 1977 and 1996.
NIMA files the abbreviated format. That format states no turnover. The gross margin fell from €251,315 in 2007 to €243,267 in 2025.
The balance sheet grew most in 2014 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
See how customers, suppliers and banks see your own company and what to improve first.
If something looks wrong or is missing, please tell us.