NIVELLES
ActiveNIVELLES has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €281k and a net result of €12k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 55% of 13908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability22▼-29
Solvency46▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.4 against 0.52 in 2024), and 63.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
36.5%
Return on assets
1.6%
Age of the figures
15 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-12-2025, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
47 d early
2024
47 d early
2023
31 d early
2022
57 d early
2021
62 d early
2020
30 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€281k▲ 4.5%
2024 · €268k
2019: €137k
2020: €129k
2021: €172k
2022: €217k
2023: €241k
2024: €268k
2019 → 2025
Total assets
€769k▼ 4.0%
2024 · €801k
2019: €146k
2020: €552k
2021: €561k
2022: €578k
2023: €721k
2024: €801k
2019 → 2025
Net result
€12k▼ 55.4%
2024 · €27k
2019: €-4k
2020: €-8k
2021: €44k
2022: €45k
2023: €39k
2024: €27k
2019 → 2025
Working capital
€-152k▲ 3.9%
2024 · €-158k
2019: €103k
2020: €-108k
2021: €-66k
2022: €-94k
2023: €-211k
2024: €-158k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€172k-€217k▲ 26.1%€241k▲ 11.1%€268k▲ 11.3%€281k▲ 4.5%
Operating result€53k-€51k▼ 4.2%€48k▼ 6.1%€41k▼ 13.5%€27k▼ 33.7%
Net result€44k-€45k▲ 2.9%€39k▼ 12.8%€27k▼ 30.5%€12k▼ 55.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 34% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €769k
Fixed assets
€668k▲ 6.3%
Current assets
€100k▼ 41.7%
Equity and liabilities €769k
Equity
€281k▲ 4.5%
Debt
€488k▼ 8.4%
The debt ratio falls from 66.5% to 63.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€95k▼
2024 · €102k
Cash flow
€80k▼
2024 · €88k
Solvency
36.5%▲
2024 · 33.5%
Current ratio
0.40▼
2024 · 0.52
Quick ratio
0.40▼
2024 · 0.52
Debt / equity
1.74▼
2024 · 1.99
ROE
4.3%▼
2024 · 10.1%
ROA
1.6%▼
2024 · 3.4%
Interest coverage
6.26▼
2024 · 10.01
Debt
€488k▼
2024 · €533k
Debt ≤ 1 year
€252k▼
2024 · €330k
Debt > 1 year
€236k▲
2024 · €202k
Income taxes
€1k▼
2024 · €5k
Staff costs
€11k▼
2024 · €16k
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€801k€769k▼
Fixed assets21/28€629k€668k▲
Tangible fixed assets22/27€629k€668k▲
Land and buildings22€454k€420k▼
Plant, machinery and equipment23€175k€249k▲
Furniture and vehicles24€133€66▼
Current assets29/58€172k€100k▼
Amounts receivable within one year40/41€88k€78k▼
Trade receivables40€7k€2k▼
Other amounts receivable41€81k€76k▼
Cash at bank and in hand54/58€84k€22k▼
Deferred charges and accrued income490/1€782-
Equity and liabilities
Total equity and liabilities10/49€801k€769k▼
Equity10/15€268k€281k▲
Contributions10/11€135k€135k=
Capital10€135k€135k=
Issued capital100€135k€135k=
Reserves13€24k€24k=
Distributable reserves133€24k€24k=
Profit (loss) carried forward14€109k€121k▲
Amounts payable17/49€533k€488k▼
Amounts payable after more than one year17€202k€236k▲
Financial debts170/4€202k€236k▲
Amounts payable within one year42/48€330k€252k▼
Current portion of amounts payable after more than one year42€20k€37k▲
Trade debts44€103k€101k▼
Suppliers440/4€103k€101k▼
Taxes, remuneration and social security45€28k€25k▼
Taxes450/3€9k€4k▼
Remuneration and social security454/9€19k€21k▲
Other amounts payable47/48€180k€89k▼
Income statement
Code20242025
Non-recurring operating income76A€50-
Remuneration, social security and pensions62€16k€11k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€61k€68k▲
Other operating charges640/8€11k€11k▲
Gross operating margin9900€129k€117k▼
Operating profit (loss)9901€41k€27k▼
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Non-recurring financial income76B-€57
Financial charges65/66B€10k€15k▲
Recurring financial charges65€10k€15k▲
Profit (loss) for the period before taxes9903€32k€13k▼
Income taxes67/77€5k€1k▼
Profit (loss) for the period9904€27k€12k▼
Profit (loss) for the period to be appropriated9905€27k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€109k€121k▲
Profit (loss) brought forward from the previous period14P€82k€109k▲
The notes to these accounts (5 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
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
15-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
05-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Highest result since 2019net €45k ▲2.9%
Net result €45k, the highest in the series.
30-06
Financial
Equity above €200kEq €217k ▲26.1%
2 profitable years in a row build equity to €217k.
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Back to profitnet €44k
Net result €44k after 2 loss-making years.
30-06
Financial
Equity above €150kEq €172k ▲33.9%
Equity rises from €129k to €172k.
01-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 21 days late
2017
26-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Sint-Truiden · 2 establishment units since 2012
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.
Industrielaan 31403800 Sint-TruidenGround area
4,045 m²
Building footprint
1,683 m²
Volume, LiDAR
8,532 m³
2 parcels, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Nivelles
since 20122.211.609.896
Ambachtslaan 5340, 3800 Sint-Truiden
since 20222.328.241.807
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71352D0900/00N002 | Flanders | 2,762 m² | 1 · 1,361 m² | 9.4 m · 2 fl. |
| 71352D0930/00N014 | Flanders | 1,282 m² | 1 · 323 m² | 5.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 7,980 EUR awarded · 7,980 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,596 EUR | 1,596 EUR |
| 2024 | 1 | 3,261 EUR | 3,261 EUR |
| 2023 | 1 | 2,082 EUR | 2,082 EUR |
| 2022 | 1 | 1,041 EUR | 1,041 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
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Of 7,287 companies in sector 68110 we hold annual accounts for 5,353. 3,835 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-07-2012
Fiscal year end30-06
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.