Equity
€347,121 ▲ 9.6%
NIROMA paid out €56,795 in dividends. That is 65% of the 2025 profit.
NIROMA
Lifetime
20 annual accounts with figures on one time axispeak €135,748 (2025)
€135,748▲ 9.8%
lowest -€134,698 (2008)
€87,272▲ 10.8%
peak €347,121 (2025)
€347,121▲ 9.6%
€31,638▲ 60.5%
Board2 names since 2012
2 directorsChristel PINCEEL and 1 other
Documentsfilings and deeds
22-07-20269 days before the deadline
2025micro format
Dividend €56,795Debts from €19,713 to €31,638Cash from €32,876 to €127,010
Key points
from the 2025 annual accountsFilings
20 annual accounts since 2006
Two of the last ten came late. The 2018 accounts came latest: 27 days after the end of the period.
Position in the sector
91.6%
Higher solvency than 95% of companies in retail trade. Sector median 33.1% · 22,917 companies.
Checked score
98
Excellent
Financially stronger than 84% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.3%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 0.1%▼ -0.2 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.2%▲ +0.1 percentage points vs 06-2026
08-2026: < 0.1%▼ -0.2 percentage points vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Retail trade (NACE 47)
lowers risk
Liquidity: current ratio 11.78, cash €127,010
Equity €347,121 (91.6% of total assets)
Founded in 2005
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 92% of them on solvency, 92% on liquidity, 90% on profitability and 60% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as NIROMA has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of NIROMA itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 31,368 companies, not a prediction for NIROMA. 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.
Credit verdict
Credit of up to €30,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 11.78 (16.19 in 2024), above the usual 1.5. Short-term debt is 8.4% and cash 33.5% of total assets. 8.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 days early
2024
3 days early
2023
5 days early
2022
34 days early
2021
11 days early
2020
29 days early
2019
16 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 15 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0872243695
Changes of role: Pascal MATTHYS (director) and Christel PINCEEL (director)
Permanent representative: Dieter Schelpe · “Consultancy,opleiding,technische expertise en bijstand op voornoemd(e) gebied(en); Het geven van advies en…” (deed in Dutch) · Director discharge: Pascal MATTHYS · General meeting of 16-01-2024 · Gazette deed
Incorporation
published on 14-03-2005 · Gazette deed
First establishment
Groenstraat 40, Koksijde
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| NIROMA Koksijde | €378,759 | €135,748 | 91.6% | - |
| ANNE ZELLIEN Antwerp | €371,343 | €147,144 | 55.1% | - |
| GIOMIO Kapellen | €362,013 | €129,913 | 10.6% | - |
| MULTIDISCI Watermael-Boitsfort | €340,514 | €132,251 | 47.2% | - |
| LA VIE EN ROSE Knokke-Heist | €444,469 | €117,702 | 46.8% | 0.4 |
| UHREN - SCHMUCK LORCH Saint-Vith | €423,326 | €118,463 | 42.3% | - |
| CB Design Ghent | €294,358 | €148,972 | 35.8% | - |
These companies have the same main activity as NIROMA: retail sale of watches and jewellery (NACE 47770). They are comparable in size and age: total assets between €294,000 and €444,000, founded between 2001 and 2007.
Official details
Source: KBO- Status
- Active since 03-03-2005Normal situation
- Activity
- Retail sale of watches and jewelleryNACE 47770
- Establishment unit
- 2.145.635.3478670 Koksijde, since 03-03-2005
- Financial year end
- 31 December
- Peppol
- Reachable since 18-01-2025
Annual accounts 2025
- ≈ €410,000estimated
- €378,759▲ 12.6%
- Filing
- Filed on 22-07-2026, 9 days before the end of the filing period
Insights on NIROMA
NIROMA files the micro format. That format states no turnover. The gross margin rose from -€93,707 in 2006 to €135,748 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about NIROMA
- What is the company number of NIROMA?
- The company number of NIROMA is 0872.243.695. The VAT number is the same number with BE in front: BE 0872.243.695.
- Where is NIROMA based?
- The registered office is at Groenstraat 40, 8670 Koksijde.Company details
- What does NIROMA do?
- According to the KBO register, the main activity is retail sale of watches and jewellery (NACE 47770).
- What is the legal form of NIROMA?
- NIROMA is a private limited company (BV).
- When was NIROMA founded?
- NIROMA was founded on 03-03-2005.
- Is NIROMA still active?
- Yes, NIROMA is an active enterprise in the KBO register.
- What is the turnover of NIROMA?
- The turnover in financial year 2025 is ≈ €410,000. This figure is estimated from the gross margin of €135,748 and 31 comparable companies (NACE 477). It probably lies between €290,000 and €770,000.Financials
- Is NIROMA profitable?
- In financial year 2025, NIROMA made a profit of €87,272.
- Where can I find the annual accounts of NIROMA?
- NIROMA filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of NIROMA due?
- NIROMA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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