NIVATCHI
ActiveThe computed 12-month bankruptcy probability of NIVATCHI is 2.5% (moderate). The 2025 annual accounts show equity of €26k and a net result of €24k. Equity is growing by ~31.5% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
90
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency96▼-4
Growth78=
Stability94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.91 against 2.64 in 2024), and 42.8% 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
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
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
57.2%
Return on assets
51.7%
Age of the figures
8 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 30-06-2026, 31 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
31 d early
2024
24 d early
2023
30 d early
2022
21 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▼ 47.2%
2024 · €50k
2022: €13k
2023: €25k
2024: €50k
2022 → 2025
Total assets
€46k▼ 38.4%
2024 · €75k
2022: €25k
2023: €39k
2024: €75k
2022 → 2025
Net result
€24k▼ 6.5%
2024 · €25k
2022: €11k
2023: €13k
2024: €25k
2022 → 2025
Working capital
€18k▼ 56.1%
2024 · €41k
2022: €5k
2023: €15k
2024: €41k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€13k-€25k▲ 89.1%€50k▲ 97.6%€26k▼ 47.2%
Operating result€14k-€19k▲ 28.6%€35k▲ 86.5%€33k▼ 4.7%
Net result€11k-€13k▲ 17.1%€25k▲ 100%€24k▼ 6.5%
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 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €46k
Fixed assets
€8k▼ 7.7%
Current assets
€38k▼ 42.7%
Equity and liabilities €46k
Equity
€26k▼ 47.2%
Debt
€20k▼ 20.7%
The debt ratio rises from 33.2% to 42.8%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€36k▼
2024 · €37k
Cash flow
€27k▼
2024 · €28k
Solvency
57.2%▼
2024 · 66.8%
Current ratio
1.91▼
2024 · 2.64
Quick ratio
1.91▼
2024 · 2.64
Debt / equity
0.75▲
2024 · 0.50
ROE
90.5%▲
2024 · 51.1%
ROA
51.7%▲
2024 · 34.1%
Interest coverage
26.03▼
2024 · 37.71
Debt
€20k▼
2024 · €25k
Debt ≤ 1 year
€20k▼
2024 · €25k
Income taxes
€8k▼
2024 · €8k
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€75k€46k▼
Fixed assets21/28€9k€8k▼
Tangible fixed assets22/27€9k€7k▼
Plant, machinery and equipment23-€990
Furniture and vehicles24€8k€5k▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28-€1k
Current assets29/58€65k€38k▼
Amounts receivable within one year40/41€0€5k▲
Other amounts receivable41€0€5k▲
Cash at bank and in hand54/58€52k€30k▼
Deferred charges and accrued income490/1€13k€3k▼
Equity and liabilities
Total equity and liabilities10/49€75k€46k▼
Equity10/15€50k€26k▼
Contributions10/11€3k€3k=
Reserves13€47k€24k▼
Distributable reserves133€47k€24k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€25k€20k▼
Amounts payable within one year42/48€25k€20k▼
Trade debts44€11k€5k▼
Suppliers440/4€11k€5k▼
Taxes, remuneration and social security45€581€350▼
Taxes450/3€581€350▼
Other amounts payable47/48€14k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€848€1k▲
Gross operating margin9900€38k€37k▼
Operating profit (loss)9901€35k€33k▼
Financial charges65/66B€989€1k▲
Recurring financial charges65€989€1k▲
Profit (loss) for the period before taxes9903€34k€32k▼
Income taxes67/77€8k€8k▼
Profit (loss) for the period9904€25k€24k▼
Profit (loss) for the period to be appropriated9905€25k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€24k▼
Transfer from equity791/2€833€47k▲
Transfer to equity691/2€25k€24k▼
To other reserves6921€25k€24k▼
Profit to be distributed694/7€833€47k▲
Return on contributions (dividend)694€833€47k▲
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €25k ▲100%
Operating result €35k, net result €25k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 2022
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.
Schomstraat 372600 AntwerpenGround area
143 m²
Building footprint
95 m²
Volume, LiDAR
727 m³
Parcel 11303C0264/00H013, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
NIVATCHI
since 20222.334.740.708
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11303C0264/00H013 | Flanders | 143 m² | 1 · 94 m² | 10.2 m · 3 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-08-2022
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.