NIVA Solutions
ActiveNIVA Solutions has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €-12k. Equity is growing by ~22.7% per year across the filed fiscal years. Its solvency ranks better than 40% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▼-90
Solvency73▼-27
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 7.11 against 4.91 in 2024; short-term debt: 13.8% and cash: 70.2% of total assets), but 51.6% 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 62
Relative position
BE, all sectors
reference
Sector 62
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 2025Solvency, return and age of the figures
Solvency
48.4%
Return on assets
-9.7%
Age of the figures
9 mo
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 11-03-2026, 142 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
142 d early
2024
37 d early
2023
35 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k▼ 16.7%
2024 · €72k
2023: €33k
2024: €72k
2023 → 2025
Total assets
€124k▲ 38.3%
2024 · €90k
2023: €57k
2024: €90k
2023 → 2025
Net result
€-12k
2024 · €39k
2023: €30k
2024: €39k
2023 → 2025
Working capital
€105k▲ 51.3%
2024 · €69k
2023: €29k
2024: €69k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€33k-€72k▲ 120%€60k▼ 16.7%
Operating result€40k-€55k▲ 36.4%€1k▼ 97.6%
Net result€30k-€39k▲ 31.8%€-12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 98% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €124k
Fixed assets
€2k▼ 20.1%
Current assets
€122k▲ 40.3%
Equity and liabilities €124k
Equity
€60k▼ 16.7%
Provisions
€47k
Debt
€17k▼ 3.1%
The debt ratio falls from 19.7% to 13.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€2k▼
2024 · €55k
Cash flow
€-11k▼
2024 · €40k
Solvency
48.4%▼
2024 · 80.3%
Current ratio
7.11▲
2024 · 4.91
Quick ratio
7.11▲
2024 · 4.91
Debt / equity
0.29▲
2024 · 0.25
ROE
-20.0%▼
2024 · 54.5%
ROA
-9.7%▼
2024 · 43.8%
Interest coverage
0.46▼
2024 · 12.25
Debt
€17k▼
2024 · €18k
Debt ≤ 1 year
€17k▼
2024 · €18k
Income taxes
€10k▼
2024 · €11k
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€90k€124k▲
Formation expenses20€0€0=
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€3k€2k▼
Current assets29/58€87k€122k▲
Amounts receivable within one year40/41€12k€23k▲
Trade receivables40€12k€15k▲
Other amounts receivable41-€8k
Current investments50/53€38k-
Cash at bank and in hand54/58€21k€87k▲
Deferred charges and accrued income490/1€16k€12k▼
Equity and liabilities
Total equity and liabilities10/49€90k€124k▲
Equity10/15€72k€60k▼
Contributions10/11€3k€3k=
Reserves13€69k€57k▼
Distributable reserves133€69k€57k▼
Provisions and deferred taxes16-€47k
Provisions for liabilities and charges160/5-€47k
Other liabilities and charges164/5-€47k
Amounts payable17/49€18k€17k▼
Amounts payable within one year42/48€18k€17k▼
Trade debts44-€470
Suppliers440/4-€470
Taxes, remuneration and social security45€18k€17k▼
Taxes450/3€18k€17k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€630€572▼
Provisions for liabilities and charges: additions (uses and reversals)635/8-€47k
Other operating charges640/8€179€62▼
Gross operating margin9900€55k€49k▼
Operating profit (loss)9901€55k€1k▼
Financial income75/76B-€448
Recurring financial income75-€448
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€50k€-2k▼
Income taxes67/77€11k€10k▼
Profit (loss) for the period9904€39k€-12k▼
Profit (loss) for the period to be appropriated9905€39k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€-12k▼
Transfer from equity791/2-€12k
Transfer to equity691/2€39k-
To other reserves6921€39k-
The notes to these accounts (4 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
11-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-12k ▼131%
Net result drops to €-12k, the lowest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €39k ▲31.8%
Operating result €55k, net result €39k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.91
Current ratio from 2.19 to 4.91; short-term debt falls from €25k to €18k.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Hasselt · 1 establishment unit since 2023
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.
Rijkelstraat 833511 HasseltGround area
598 m²
Building footprint
167 m²
Volume, LiDAR
563 m³
Parcel 71483E0266/00H000, Flanders · tallest building 10.5 m. Linked by address, not a title deed.
1 establishment unit
NIVA Solutions
since 20232.341.035.810
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71483E0266/00H000 | Flanders | 598 m² | 1 · 167 m² | 10.5 m |
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.
Recognitions · licences · registrations
Legal Entity Identifier
98450013AD66Q7EF6827
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,457 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-2023
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.