Financials
- Fiscal year
- 2025
- Total assets
- €6.0m
- Profit
- €265,412
- Solvency
- 7.9%
Total assets▼ 20.6%
Net result
20242025
NIVALIM
ActiveSummary
NIVALIM has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €472,123 and a net result of €265,412. Its solvency ranks better than 19% of 4652 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
Activity
Non-specialised retail sale with food, beverages or tobacco predominating
NACE 47110NACE 47115
1 site
Size
€6.0mtotal assets 2025
- Staff
- 38.6 FTE
- Equity
- €472,123
- Profit
- €265,412
Structure
Accounts filed 28 d late0 of 2 deeds read
Why 71- Equity €472,123 (7.9% of total assets)- Founded in 2023+ Size: 38.6 FTE, total assets €6.0m+ Figures for FY 2025 (filed 28-08-2026)Show the evidence
Checked score
Score 2025
71
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 64% of its sector peers (NACE 47, small)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
33+5
equity 7.9% of total assets
Liquidity
61-1
short-term debt 28.6% · cash 17.9%
Profitability
73+29
return on assets 4.4%
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 4.3%
12-2024: 4.5%▲ +4.5% vs 11-2024
01-2025: 4.6%▲ +2.1% vs 12-2024
02-2025: 4.4%▼ -2.8% vs 01-2025
03-2025: 4.4%● 0.0% vs 02-2025
04-2025: 4.7%▲ +6.6% vs 03-2025
05-2025: 4.8%▲ +2.8% vs 04-2025highest value
06-2025: 4.8%● 0.0% vs 05-2025highest value
07-2025: 4.8%● 0.0% vs 06-2025highest value
08-2025: 2.8%▼ -43.0% vs 07-2025
09-2025: 0.2%▼ -91.3% vs 08-2025
10-2025: 0.2%● 0.0% vs 09-2025
11-2025: 0.2%● 0.0% vs 10-2025
12-2025: 0.2%▼ -2.1% vs 11-2025
01-2026: 0.2%▼ -0.4% vs 12-2025lowest value
02-2026: 0.2%● 0.0% vs 01-2026lowest value
03-2026: 0.2%▲ +3.4% vs 02-2026
04-2026: 0.3%▲ +11.9% vs 03-2026
05-2026: 0.3%▲ +12.5% vs 04-2026
06-2026: 0.4%▲ +19.6% vs 05-2026
07-2026: 0.4%▲ +10.7% vs 06-2026
08-2026: 0.6%▲ +47.9% vs 07-2026
09-2026: 0.6%▲ +3.3% vs 08-2026
10-2026: 0.6%● 0.0% vs 09-2026
- Size: 38.6 FTE, total assets €6.0m lowers the probability for this profile
- Equity €472,123 (7.9% of total assets) raises the probability
- Founded in 2023 raises the probability for this profile
- Figures for FY 2025 (filed 28-08-2026) lowers the probability
Credit up to €30,000 at 30 days acceptable
Liquidity tight (current ratio 1.2 against 0.98 in 2024; short-term debt: 28.6% and cash: 17.9% of total assets), and 92.1% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, small). Better than this share of them on solvency 19%, liquidity 81%, profitability 62%, growth against the median 96%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 4652 sector peers (2025).
NBB · sector comparisonPosition among 4652 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 29 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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
03-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · full…
- Back to profitnet €265,412
- Annual accounts filedfiscal year 2024 · full…
Key points
By topic
Timeline
- Events
- 3
- Since
- 2025
- Next accounts
- by 31-07-2027
- 28-08-2026Annual accounts filed
- 31-12-2025Back to profit
- 29-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Non-specialised retail sale with food, beverages or tobacco…NACE 47110
- Founded
- 15-05-2023
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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