NiVo Solutions
ActiveNiVo Solutions has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €301k and a net result of €32k. Equity is growing by ~22.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 16989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 33.54 against 19.05 in 2024; short-term debt: 3% and cash: 62.9% of total assets), and 3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
97%
Return on assets
10.4%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
39 d late
2024
20 d late
2023
30 d early
2022
28 d early
2021
31 d early
2020
22 d early
2019
54 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€301k▲ 12.1%
2024 · €268k
2018: €34k
2019: €72k
2020: €100k
2021: €153k
2022: €192k
2023: €227k
2024: €268k
2018 → 2025
Total assets
€310k▲ 9.4%
2024 · €283k
2018: €52k
2019: €88k
2020: €111k
2021: €176k
2022: €208k
2023: €250k
2024: €283k
2018 → 2025
Net result
€32k▼ 21.4%
2024 · €41k
2018: €22k
2019: €38k
2020: €28k
2021: €52k
2022: €39k
2023: €35k
2024: €41k
2018 → 2025
Working capital
€297k▲ 11.7%
2024 · €266k
2018: €34k
2019: €70k
2020: €98k
2021: €152k
2022: €191k
2023: €223k
2024: €266k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€153k-€192k▲ 25.7%€227k▲ 18.3%€268k▲ 18.1%€301k▲ 12.1%
Operating result€75k-€59k▼ 21.3%€50k▼ 14.2%€53k▲ 5.7%€52k▼ 3.2%
Net result€52k-€39k▼ 25.1%€35k▼ 10.5%€41k▲ 17.1%€32k▼ 21.4%
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 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €310k
Fixed assets
€3k▲ 61.9%
Current assets
€307k▲ 9.1%
Equity and liabilities €310k
Equity
€301k▲ 12.1%
Debt
€9k▼ 38.0%
The debt ratio falls from 5.2% to 3.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€53k▼
2024 · €57k
Cash flow
€34k▼
2024 · €45k
Solvency
97.0%▲
2024 · 94.8%
Current ratio
33.54▲
2024 · 19.05
Quick ratio
33.54▲
2024 · 19.05
Debt / equity
0.03▼
2024 · 0.05
ROE
10.8%▼
2024 · 15.3%
ROA
10.4%▼
2024 · 14.5%
Interest coverage
726.24▲
2024 · 265.72
Debt
€9k▼
2024 · €15k
Debt ≤ 1 year
€9k▼
2024 · €15k
Income taxes
€19k▲
2024 · €12k
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€283k€310k▲
Fixed assets21/28€2k€3k▲
Tangible fixed assets22/27€2k€3k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€2k€791▼
Current assets29/58€281k€307k▲
Amounts receivable within one year40/41€30k€17k▼
Trade receivables40€29k€15k▼
Other amounts receivable41€639€2k▲
Current investments50/53€74k€94k▲
Cash at bank and in hand54/58€178k€195k▲
Deferred charges and accrued income490/1-€690
Equity and liabilities
Total equity and liabilities10/49€283k€310k▲
Equity10/15€268k€301k▲
Contributions10/11€12k€12k=
Reserves13€256k€288k▲
Distributable reserves133€256k€288k▲
Amounts payable17/49€15k€9k▼
Amounts payable within one year42/48€15k€9k▼
Trade debts44€5k€1k▼
Suppliers440/4€5k€1k▼
Taxes, remuneration and social security45€4k€8k▲
Taxes450/3€4k€8k▲
Other amounts payable47/48€5k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼
Other operating charges640/8€126€443▲
Gross operating margin9900€57k€54k▼
Operating profit (loss)9901€53k€52k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€215€73▼
Recurring financial charges65€215€73▼
Profit (loss) for the period before taxes9903€53k€51k▼
Income taxes67/77€12k€19k▲
Profit (loss) for the period9904€41k€32k▼
Profit (loss) for the period to be appropriated9905€41k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€41k€32k▼
Transfer to equity691/2€41k€32k▼
To other reserves6921€41k€32k▼
The notes to these accounts (6 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
08-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 39 days late
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €227k ▲18.3%
6 profitable years in a row build equity to €227k.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €52k ▲86.7%
Operating result €75k, net result €52k, both a record.
31-12
Financial
Equity above €150kEq €153k ▲52.1%
4 profitable years in a row build equity to €153k.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €100k ▲38.7%
3 profitable years in a row build equity to €100k.
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Tongeren-Borgloon · 1 establishment unit since 2018
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.
Lambertusstraat 1183840 Tongeren-BorgloonGround area
1,303 m²
Building footprint
153 m²
Volume, LiDAR
1,187 m³
Parcel 73025A0324/00D000, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
NiVo Solutions
since 20182.273.951.204
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73025A0324/00D000 | Flanders | 1,303 m² | 1 · 153 m² | 10.5 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.
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,392. 13,734 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-03-2018
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.