Result
-€74,958 -€74,958
From profit to loss in 2025, after a profit of €97,430 in 2024.
NIVESO
Lifetime
17 annual accounts with figures on one time axispeak €271,744 (2024)
€57,424▼ 78.9%
lowest -€74,958 (2025)
-€74,958▼ €172,388
peak €281,292 (2024)
€206,334▼ 26.6%
€1.4m▲ 95.8%
Board4 names since 2021
2 directorsVAN COLEN Yves and 1 other
Documentsfilings and deeds
16-06-202645 days before the deadline
2025abbreviated format
Gross margin from €271,744 to €57,424Loss of €74,958Appointment: VAN COLEN Nicolas (director) 12-05Equity from €281,292 to €206,334Debts from €732,985 to €1.4mInvestments €728,527
Key points
from the 2025 annual accountsTurnover
≈ €450,000 estimated
The accounts state no turnover.
Debts
€1.4m 87% of the balance sheet
Financial debts 52%Suppliers 3%Taxes and wages 0%Other 44%
Of this, €691,969 falls due within a year.
Investments
€728,527 6.0 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 147.2% higher than in 2024.
Filings
17 annual accounts since 2009
The last five annual accounts were filed 45 to 58 days before the end of the period.
Position in the sector
-€74,958
Lower net result than 91% of companies in wholesale trade. Sector median €26,717 · 9,877 companies.
Checked score
82
Excellent
Financially stronger than 27% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%lowest value
01-2025: 0.1%● unchanged vs 12-2024lowest value
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.4%▲ +0.3 percentage points vs 06-2026highest value
08-2026: 0.4%● unchanged vs 07-2026highest value
09-2026: 0.4%● unchanged vs 08-2026highest value
10-2026: 0.4%● unchanged vs 09-2026highest value
11-2026: 0.4%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Equity €206,334 (12.6% of total assets)
Liquidity: current ratio 0.74, cash €9,900, halved
lowers risk
Size: total assets €1.6m
Founded in 2008
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 25% of them on solvency, 28% on liquidity, 40% on profitability and 16% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,423 companies had the same profile as NIVESO has now. Each dot stands for 4 companies, two years later.
96.5%
were still trading
2.2%
stopped another way
1.0%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of NIVESO itself: 0.4% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,423 companies, not a prediction for NIVESO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €16,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.74 (1.13 in 2024), below 1. Short-term debt is 42.1% and cash 0.6% of total assets. 87.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 9901 sector peers (2025).
NBB · sector comparisonPosition among 9901 sector peers
Solvency
better than 20%
← weakest
strongest →
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 16-06-2026, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 days early
2024
58 days early
2023
49 days early
2022
45 days early
2021
53 days early
2020
45 days early
2019
31 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 47 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · 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 13 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0806948542
Appointment: VAN COLEN Nicolas (director)
General meeting of 03-04-2025 · Gazette deed
2 managers resigning, 1 director reappointed
Resignations: VAN COLEN Yves (manager) and SOETAERS (manager) · Reappointment: VAN COLEN Yves (director) · General meeting of 15-12-2023 · Gazette deed
Registered office moved from Berloz to Geer
New registered office: Rue de la Spinette n°3 à 4250 GEER · Previous registered office: rue des Combattants 1/A à 4257 BERLOZ · General meeting of 19-12-2019 · Gazette deed
Comparable companies
same main activity, similar in size and ageThese companies have the same main activity as NIVESO: wholesale trade (NACE 46311). They are comparable in size and age: total assets between €485,000 and €2.4m, founded between 1986 and 2017.
Official details
Source: KBO- Status
- Active since 08-10-2008Normal situation
- Activity
- Wholesale tradeNACE 46311and 1 other
- Establishment unit
- 2.177.022.6664257 Berloz, since 08-10-2008
- Financial year end
- 31 December
- Peppol
- Reachable since 02-12-2025
Annual accounts 2025
- €1.6m▲ 61.9%
- Filing
- Filed on 16-06-2026, 45 days before the end of the filing period
Insights on NIVESO
NIVESO files the abbreviated format. That format states no turnover. The gross margin rose from €27,360 in 2009 to €57,424 in 2025.
The balance sheet grew most from 2018 to 2019 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about NIVESO
- What is the company number of NIVESO?
- The company number of NIVESO is 0806.948.542. The VAT number is the same number with BE in front: BE 0806.948.542.
- Where is NIVESO based?
- The registered office is at Rue de la Spinette 3, 4250 Geer.Company details
- What does NIVESO do?
- According to the KBO register, the main activity is wholesale trade (NACE 46311).
- What is the legal form of NIVESO?
- NIVESO is a private limited company (BV).
- When was NIVESO founded?
- NIVESO was founded on 08-10-2008.
- Is NIVESO still active?
- Yes, NIVESO is an active enterprise in the KBO register.
- What is the turnover of NIVESO?
- The turnover in financial year 2025 is ≈ €450,000. This figure is estimated from the gross margin of €57,424 and 30 comparable companies (NACE 463). It probably lies between €310,000 and €770,000.Financials
- Is NIVESO profitable?
- In financial year 2025, NIVESO made a loss of €74,958.
- Where can I find the annual accounts of NIVESO?
- NIVESO filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of NIVESO due?
- NIVESO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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