NIVEL

Active

Public limited companyfounded 1991active for 35 yearsTerlindenstraat 44, 1740 Ternat, BelgiumKBO/BCE: BE 0444.515.069

Summary

The computed 12-month bankruptcy probability of NIVEL is 4.5% (elevated). The 2025 annual accounts show negative equity (-€42,606) and a net result of -€1,300. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its net result ranks better than 38% of 5,744 sector peers (NACE 68, financial year 2025). The company has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals.

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NIVELActive

Risk analysis Report Compare

Activity

Real estate agency activities

NACE 68310

8th oldest company in Ternat, Real estate sector1 site

Size

-€42,606equity 2025

Loss: -€1,300

Financial health

Bankruptcy probabilitywithin 12 months: 4.5%

Too few figures to score

Structure

Accounts filed 60 days late1 of 5 deeds read

Signalsraises riskFigures for financial year 2018 (filed 22-08-2019)Latest accounts 60 days late; 2 of the last 3 lateNegative equitylowers riskSize: total assets €14,790Sector: Real estate activities (NACE 68)neutralFiled after the deadlineShow the evidence

Bankruptcy probability

No current score

Insufficient figures

A score requires measurable solvency, liquidity and profitability.

Bankruptcy probability: Elevated

Bankruptcy probability, 12 months

4.5% Elevated

0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,601 companies, NACE 68, micro)

Last 24 months 11-2024: 2.2%lowest value 12-2024: 2.2%● unchanged vs 11-2024lowest value 01-2025: 3.2%▲ +1.0 percentage point vs 12-2024 02-2025: 3.2%● unchanged vs 01-2025 03-2025: 3.2%● unchanged vs 02-2025 04-2025: 3.2%● unchanged vs 03-2025 05-2025: 3.2%● unchanged vs 04-2025 06-2025: 3.2%● unchanged vs 05-2025 07-2025: 3.2%● unchanged vs 06-2025 08-2025: 4.0%▲ +0.8 percentage points vs 07-2025 09-2025: 4.0%● unchanged vs 08-2025 10-2025: 4.4%▲ +0.4 percentage points vs 09-2025 11-2025: 4.4%● unchanged vs 10-2025 12-2025: 4.4%● unchanged vs 11-2025 01-2026: 4.4%● unchanged vs 12-2025 02-2026: 4.4%● unchanged vs 01-2026 03-2026: 4.4%● unchanged vs 02-2026 04-2026: 4.4%● unchanged vs 03-2026 05-2026: 4.4%● unchanged vs 04-2026 06-2026: 4.4%● unchanged vs 05-2026 07-2026: 4.4%● unchanged vs 06-2026 08-2026: 5.4%▲ +1.0 percentage point vs 07-2026highest value 09-2026: 5.4%● unchanged vs 08-2026highest value 10-2026: 4.5%▼ -0.9 percentage points vs 09-2026

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Signals

Six signals.

lowers riskraises riskneutral

Figures for financial year 2018 (filed 22-08-2019)

NBB · annual accounts

Size: total assets €14,790

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Sector: Real estate activities (NACE 68)

KBO

Latest accounts 60 days late; 2 of the last 3 late

NBB · filings

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year -€42,606

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-09-2026, 60 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 10 filings

Deviation from the deadline

2025

60 days late

2024

55 days late

2023

28 days late

2022

11 days early

2021

33 days early

2020

26 days late

2019

32 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 13 days after the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (4 of the last 5 filed years within 40 days of that day).

Companies Code · seven months

Where today falls in the filing period

19-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

29-09-2026 Annual accounts filedfinancial year 2025 · full…
24-09-2025 Annual accounts filedfinancial year 2024 · abbreviated…
11-12-2024 Permanent representative: Verdoodt LodeRegistered-office move

Key points

Risk: Negative equityfinancial year 2025: debts exceed assets -€42,606 View
Risk: 4 loss-making years in a rowloss financial year 2025 -€1,300 View
Caution: Among the weakest 12% on equitysector median €947,328 · 5,739 companies -€42,606 View