NIVA CONSTRUCT
ActiveNIVA CONSTRUCT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.93M and a net result of €195k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 80% of 1027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+20
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €190k at 30 days acceptable
Liquidity ample (current ratio 3.22 against 2.82 in 2024), and 25.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
74.4%
Return on assets
7.5%
Age of the figures
8 mo
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
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €1.9M
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 04-07-2026, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
27 d early
2024
13 d early
2023
7 d early
2022
10 d late
2021
25 d early
2020
5 d late
2019
28 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.93M▲ 8.1%
2024 · €1.78M
2018: €1.65M
2019: €1.68M
2020: €1.69M
2021: €1.71M
2022: €1.66M
2023: €1.69M
2024: €1.78M
2018 → 2025
Total assets
€2.59M▲ 2.4%
2024 · €2.53M
2018: €2.18M
2019: €2.48M
2020: €2.38M
2021: €2.32M
2022: €2.60M
2023: €2.45M
2024: €2.53M
2018 → 2025
Net result
€195k▲ 81.3%
2024 · €107k
2018: €82k
2019: €32k
2020: €5k
2021: €27k
2022: €-49k
2023: €23k
2024: €107k
2018 → 2025
Working capital
€913k▲ 11.5%
2024 · €819k
2018: €685k
2019: €708k
2020: €779k
2021: €881k
2022: €745k
2023: €746k
2024: €819k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.71M-€1.66M▼ 2.9%€1.69M▲ 1.4%€1.78M▲ 5.8%€1.93M▲ 8.1%
Operating result€54k-€-47k€39k€141k▲ 263%€255k▲ 81.0%
Net result€27k-€-49k€23k€107k▲ 365%€195k▲ 81.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 81% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.59M
Fixed assets
€1.27M▲ 0.4%
Current assets
€1.33M▲ 4.4%
Equity and liabilities €2.59M
Equity
€1.93M▲ 8.1%
Debt
€662k▼ 11.2%
The debt ratio falls from 29.5% to 25.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€379k▲
2024 · €258k
Cash flow
€319k▲
2024 · €225k
Solvency
74.4%▲
2024 · 70.5%
Current ratio
3.22▲
2024 · 2.82
Quick ratio
2.66▲
2024 · 1.98
Debt / equity
0.34▼
2024 · 0.42
ROE
10.1%▲
2024 · 6.0%
ROA
7.5%▲
2024 · 4.2%
Interest coverage
25.57▲
2024 · 14.91
Debt
€662k▼
2024 · €746k
Debt ≤ 1 year
€412k▼
2024 · €450k
Debt > 1 year
€250k▼
2024 · €296k
Income taxes
€51k▲
2024 · €23k
Staff costs
€572k▲
2024 · €493k
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€2.53M€2.59M▲
Fixed assets21/28€1.26M€1.27M▲
Intangible fixed assets21€4k€872▼
Tangible fixed assets22/27€1.26M€1.27M▲
Land and buildings22€891k€831k▼
Plant, machinery and equipment23€366k€391k▲
Furniture and vehicles24-€44k
Current assets29/58€1.27M€1.33M▲
Stocks and contracts in progress3€378k€228k▼
Stocks30/36€352k€228k▼
Contracts in progress37€25k-
Amounts receivable within one year40/41€629k€658k▲
Trade receivables40€286k€275k▼
Other amounts receivable41€343k€383k▲
Cash at bank and in hand54/58€245k€421k▲
Deferred charges and accrued income490/1€17k€19k▲
Equity and liabilities
Total equity and liabilities10/49€2.53M€2.59M▲
Equity10/15€1.78M€1.93M▲
Contributions10/11€1.20M€1.20M=
Reserves13€585k€729k▲
Distributable reserves133€585k€729k▲
Amounts payable17/49€746k€662k▼
Amounts payable after more than one year17€296k€250k▼
Financial debts170/4€296k€250k▼
Amounts payable within one year42/48€450k€412k▼
Current portion of amounts payable after more than one year42€136k€161k▲
Financial debts43€21k€13k▼
Credit institutions430/8€21k€13k▼
Trade debts44€140k€94k▼
Suppliers440/4€140k€94k▼
Advances received on contracts in progress46€75k-
Taxes, remuneration and social security45€67k€83k▲
Taxes450/3€11k€17k▲
Remuneration and social security454/9€55k€66k▲
Other amounts payable47/48€11k€61k▲
Income statement
Code20242025
Remuneration, social security and pensions62€493k€572k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€117k€124k▲
Other operating charges640/8€19k€18k▼
Gross operating margin9900€770k€969k▲
Operating profit (loss)9901€141k€255k▲
Financial income75/76B€7k€5k▼
Recurring financial income75€7k€5k▼
Financial charges65/66B€17k€15k▼
Recurring financial charges65€17k€15k▼
Profit (loss) for the period before taxes9903€130k€245k▲
Income taxes67/77€23k€51k▲
Profit (loss) for the period9904€107k€195k▲
Profit (loss) for the period to be appropriated9905€107k€195k▲
Appropriation of the result
Profit (loss) to be appropriated9906€81k€195k▲
Profit (loss) brought forward from the previous period14P€-26k-
Transfer to equity691/2€71k€145k▲
To other reserves6921€71k€145k▲
Profit to be distributed694/7€10k€50k▲
Directors or managers695€10k€50k▲
Social balance
Average headcount (FTE)90879.29.0▼
The notes to these accounts (11 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
2026
04-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €195k ▲81.3%
Operating result €255k, net result €195k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 10 days late
2022
31-12
Financial
Weakest financial yearnet €-49k ▼284%
Net result drops to €-49k, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 5 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 16 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Kinrooi · 1 establishment unit since 2008
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.
Heikemp(Mol) 11183640 KinrooiGround area
1.4 ha
Building footprint
4,915 m²
Volume, LiDAR
22,772 m³
Parcel 72023D1225/00D002, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Heikemp(Mol) 1118, 3640 Kinrooi
since 20082.168.504.779
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72023D1225/00D002 | Flanders | 1.4 ha | 1 · 4,915 m² | 7.6 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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Of 3,964 companies in sector 25110 we hold annual accounts for 2,133. 1,057 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2008
Fiscal year end31-12
Activities, NACEBEL
25110Manufacture of metal structures and parts of structures
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.