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Complete company report
Generated 04-09-2026
Active BE 0444.515.069Public limited company

NIVEL

Terlindenstraat 44 ·1740 Ternat, Belgium· 35 yrs active
Sector: Real estate agency activities (68310)
Conclusion Checked

NIVEL has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-41k) and a net result of €-1k. The computed 12-month bankruptcy probability is 0.2% (very low).

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €-41k
Net result €-1k
Active 35 yrs
Board 2
Financial profile 5 of 5 axes measured · computed by Checked
Health33Profitability15Solvency100Growth58Stability100
61 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 33
Profitability 15
Solvency 100
Growth 58
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.2% Very low
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1991, 35 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score FY 2024 · computed
33 / 100 Weak
050100
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview32 NBB filings
Annual accounts filed on 24-09-2025 with the NBB · fiscal year 2024 · abbreviated schema
€-30k€-20k€-10k€0Operating result 2023: €-28k€-28kNet result 2023: €-28k€-28kOperating result 2024: €-1k€-1kNet result 2024: €-1k€-1k20232024
Operating resultNet result
Net profit
€-1k
+95.6% 23-24
Equity
€-41k
-3.1% 23-24
Debt
€41k
+3.1% 23-24
Debt ≤ 1y
€41k
+3.1% 23-24
Debt / equity
-1.00
0.0% 23-24
ROE
3.0%
-95.7% 23-24
Figures by fiscal year and ratios
Fiscal year2024
Depositabbreviated schema
Revenue-
EBITDA-
Net profit€-1k
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets-
Equity€-41k
Debt€41k
of which ≤ 1y€41k
of which > 1y-
Working capital-
Employees (FTE)-
Ratios (computed)
2024
Current ratio-
Quick ratio-
Working capital ratio-
Solvency-
Debt / equity-1.00
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-
ROE3.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Full annual accounts (12 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Equity & liabilities
Equity 10/15€-41k
Contributions / capital 10/11€62k
Reserves 13€3k
Accumulated profits (losses) 14€-106k
Amounts payable 17/49€41k
Amounts payable within one year 42/48€41k
Trade debts payable within one year 44€605
Income statement
Gross operating margin 9900€-1k
Operating result 9901€-1k
Result before taxes 9903€-1k
Net result for the period 9904€-1k
Result to be appropriated 9905€-1k
Directors & mandates 2 directors
Current directors & mandates
  • DE VITS Hilde
    Director
    State Gazette act 23423013 (09-11-2023)
    Current
    09-11-2023 → present
  • SEMPSTLegal entity
    Director· perm. rep.: Lode VERDOODT
    State Gazette act 23423013 (09-11-2023)
    Current
    09-11-2023 → present
Legal Structure
NACE primary Real estate agency activities(68310)
Legal form Public limited company(014)
Incorporation19-06-1991
StatusActive
Postal code1740
Establishment units 1 location
Terlindenstraat 44, 1740 Ternat
NACE 6523601
since 19912.053.450.408
Real-estate footprint Source: CBE × cadastre
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23086A0052/00A002 Flanders 1,081 m² 1 · 151 m² 13.8 m · 3 fl.
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.
Updates 12 events
2016 2016: 1 NBB filing 2017 2017: 1 NBB filing 2018 2018: 1 NBB filing 2019 2019: 1 NBB filing 2020 2020: 1 NBB filing 2021 2021: 1 NBB filing 2022 2022: 1 NBB filing 2023 2023: 1 State Gazette act, 1 NBB filing 2024 2024: 1 State Gazette act, 1 NBB filing 2025 2025: 1 NBB filing
2025
24-09-2025 NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
11-12-2024 State Gazette act Registered-office change
No further detail in the source.
28-08-2024 NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
09-11-2023 State Gazette act Director changes
Mireille BEDERT
20-07-2023 NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-06-2022 NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
26-08-2021 NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-06-2020 NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
19-08-2019 NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08-2018 NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08-2017 NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
26-05-2016 NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema
Belgian State Gazette reading coverage 0 of 5 acts read

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts
Address history · 1
11-12-2024
Registered-office move
All acts · 2 updated 1 year ago
2024
11-12-2024 Registered office moved within Ternat Registered-office change
  • STATIESTRAAT 11-13 - 1740 TERNAT → Terlindenstraat 44 -1740 Ternat.
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Terlindenstraat 44 -1740 Ternat.",
        "city": "Ternat",
        "region": "vlaams_gewest",
        "street": "Terlindenstraat",
        "country": "BE",
        "postcode": "1740",
        "box_number": null,
        "street_number": "44",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "STATIESTRAAT 11-13 - 1740 TERNAT",
        "city": "TERNAT",
        "region": "vlaams_gewest",
        "street": "STATIESTRAAT",
        "country": "BE",
        "postcode": "1740",
        "box_number": null,
        "street_number": "11-13",
        "locality_suffix": null
      },
      "effective_date": "2024-12-03",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "immediate",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2024-12-11",
    "filing_date": "2024-12-03",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "bijzondere_algemene_vergadering",
    "date": "2024-10-03",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0444.515.069",
    "name_full": "NIVEL",
    "legal_form": "N.V."
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": "ondernemingsferhibank Brussel",
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": []
}
2023
09-11-2023 4 directors appointed Director changes·Mireille BEDERT
  • Lode VERDOODT, Bestuurder
  • DE VITS Hilde, Bestuurder
  • SEMPST, Gedelegeerd bestuurder
  • FISCAAL ADVIESKANTOOR TERNAT, Commissaris
Notary: Mireille BEDERT · Ternat
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Lode VERDOODT",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": {
        "kbo": null,
        "name": "SEMPST",
        "address": null,
        "country": null,
        "legal_form": "BV"
      },
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "DE VITS Hilde",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "delegation_dagelijks_bestuur_in",
      "role": "gedelegeerd_bestuurder",
      "person": null,
      "reason": null,
      "subkind": "regular",
      "via_org": {
        "kbo": null,
        "name": "SEMPST",
        "address": null,
        "country": null,
        "legal_form": "BV"
      },
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "decharge_granted",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Lode VERDOODT",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "decharge_granted",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "DE VITS Hilde",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "commissaris_in",
      "role": "commissaris",
      "person": null,
      "reason": null,
      "subkind": "regular",
      "via_org": {
        "kbo": "0477.708.370",
        "name": "FISCAAL ADVIESKANTOOR TERNAT",
        "address": "Heidestraat 3, 1742 Ternat (Sint-Katherina-Lombeek)",
        "country": "BE",
        "legal_form": null
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "Mireille BEDERT",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Ternat",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-11-09",
    "filing_date": "2023-11-07",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2023-10-12",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0444.515.069",
    "name_full": "NIVEL",
    "legal_form": "Naamloze vennootschap"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Mireille BEDERT",
    "org_rep_person_name": null,
    "person_role_at_subject": "notaris"
  },
  "co_filed_documents": [
    "uitgifte van de akte",
    "bijgewerkte en geco\u00F6rdineerde tekst van de statuten"
  ],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Activities
Real estate agency activities68310Real estate activities6831170311
Names & trade names
Legal nameNL NIVEL
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative