NIVA
ActiveNIVA has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €64k and a net result of €3k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 15% of 11612 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability36▲+5
Solvency38▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.34 against 0.25 in 2023; short-term debt: 23.1% and cash: 3.1% of total assets), and 87.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
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
12.9%
Return on assets
0.5%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 11612 sector peers (2024).
NBB · sector comparisonPosition among 11612 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-06-2025, 35 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
35 d early
2023
43 d early
2022
41 d early
2021
45 d early
2020
45 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€64k▲ 2.9%
2023 · €63k
2020: €29k
2021: €61k
2022: €71k
2023: €63k
2020 → 2024
Total assets
€502k▼ 1.6%
2023 · €510k
2020: €45k
2021: €78k
2022: €484k
2023: €510k
2020 → 2024
Net result
€3k
2023 · €-8k
2020: €26k
2021: €33k
2022: €9k
2023: €-8k
2020 → 2024
Working capital
€-77k▲ 8.5%
2023 · €-84k
2020: €29k
2021: €52k
2022: €-22k
2023: €-84k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€29k-€61k▲ 113%€71k▲ 15.5%€63k▼ 11.5%€64k▲ 2.9%
Operating result€33k-€42k▲ 27.0%€15k▼ 64.0%€6k▼ 62.7%€19k▲ 237%
Net result€26k-€33k▲ 28.8%€9k▼ 74.3%€-8k€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 237% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €502k
Fixed assets
€462k▼ 3.9%
Current assets
€39k▲ 37.3%
Equity and liabilities €502k
Equity
€64k▲ 2.9%
Debt
€437k▼ 2.2%
The debt ratio falls from 87.7% to 87.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€38k▲
2023 · €23k
Cash flow
€22k▲
2023 · €10k
Solvency
12.9%▲
2023 · 12.3%
Current ratio
0.34▲
2023 · 0.25
Quick ratio
0.34▲
2023 · 0.25
Debt / equity
6.78▼
2023 · 7.14
ROE
4.1%▲
2023 · -13.0%
ROA
0.5%▲
2023 · -1.6%
Interest coverage
1.99▲
2023 · 1.74
Debt
€437k▼
2023 · €447k
Debt ≤ 1 year
€116k▲
2023 · €113k
Debt > 1 year
€321k▼
2023 · €334k
Income taxes
€-3k▼
2023 · €278
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€510k€502k▼
Fixed assets21/28€481k€462k▼
Intangible fixed assets21-€773
Tangible fixed assets22/27€481k€461k▼
Land and buildings22€471k€455k▼
Plant, machinery and equipment23€8k€5k▼
Furniture and vehicles24€2k€827▼
Current assets29/58€29k€39k▲
Amounts receivable within one year40/41€23k€24k▲
Trade receivables40€14k€13k▼
Other amounts receivable41€10k€10k▲
Cash at bank and in hand54/58€5k€16k▲
Equity and liabilities
Total equity and liabilities10/49€510k€502k▼
Equity10/15€63k€64k▲
Contributions10/11€3k€3k=
Reserves13€60k€61k▲
Tax-exempt reserves132€2k€2k=
Distributable reserves133€58k€60k▲
Amounts payable17/49€447k€437k▼
Amounts payable after more than one year17€334k€321k▼
Financial debts170/4€334k€321k▼
Amounts payable within one year42/48€113k€116k▲
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Taxes, remuneration and social security45€8k€8k▲
Taxes450/3€5k€8k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48€85k€91k▲
Income statement
Code20232024
Non-recurring operating income76A€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€20k▲
Other operating charges640/8€999€1k▲
Gross operating margin9900€24k€40k▲
Operating profit (loss)9901€6k€19k▲
Financial income75/76B-€11
Recurring financial income75-€11
Financial charges65/66B€14k€19k▲
Recurring financial charges65€14k€19k▲
Profit (loss) for the period before taxes9903€-8k€-445▲
Income taxes67/77€278€-3k▼
Profit (loss) for the period9904€-8k€3k▲
Profit (loss) for the period to be appropriated9905€-8k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€3k▲
Transfer from equity791/2€8k-
Transfer to equity691/2-€2k
To other reserves6921-€2k
Profit to be distributed694/7-€833
Return on contributions (dividend)694-€833
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-8k ▼195%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €33k ▲28.8%
Operating result €42k, net result €33k, both a record.
16-06
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
2 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, Mol · 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.
Wandelweg 112400 MolGround area
120 m²
Building footprint
120 m²
Volume, LiDAR
821 m³
Parcel 13434F1286/00L000, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NIVA
since 20202.298.479.336
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13434F1286/00L000 | Flanders | 120 m² | 1 · 120 m² | 11.4 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.
Similar companies · same sector, comparable size
Passe Partout Interieurs
BE 0733.646.434
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Ontwerpbureau Jan De Wit
BE 0430.797.289
Balen · Eq €65k
A & A NXT
BE 0769.594.139
Hasselt · Eq €65k
SMILE DESIGN & BUILD
BE 0754.489.952
Anderlecht · Eq €64k
BESPOKE
BE 0826.482.659
Elsene · Eq €65k
Of 3,916 companies in sector 71112 we hold annual accounts for 1,295. 1,078 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2020
Fiscal year end31-12
Activities, NACEBEL
71112Activities of interior architects
68121Development of residential building projects
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.