NiVo Technics
ActiveNiVo Technics has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €231k and a net result of €29k. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 69% of 4444 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78=
Solvency84▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 2.71 against 2.23 in 2024; short-term debt: 9.9% and cash: 24.6% of total assets), and 41% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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
59%
Return on assets
7.5%
Age of the figures
9 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 10 filingsDeviation from the deadline
2025
30 d late
2024
on the day
2023
61 d late
2022
32 d late
2021
2 d early
2020
31 d late
2019
49 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
€231k▲ 14.5%
2024 · €201k
2018: €93k
2019: €103k
2020: €121k
2021: €137k
2022: €150k
2023: €175k
2024: €201k
2018 → 2025
Total assets
€391k▲ 1.9%
2024 · €384k
2018: €306k
2019: €366k
2020: €367k
2021: €376k
2022: €380k
2023: €370k
2024: €384k
2018 → 2025
Net result
€29k▲ 8.1%
2024 · €27k
2018: €17k
2019: €11k
2020: €17k
2021: €17k
2022: €21k
2023: €24k
2024: €27k
2018 → 2025
Working capital
€67k▲ 36.1%
2024 · €49k
2018: €-10k
2019: €-15k
2020: €3k
2021: €21k
2022: €19k
2023: €35k
2024: €49k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€137k-€150k▲ 9.5%€175k▲ 16.1%€201k▲ 15.4%€231k▲ 14.5%
Operating result€32k-€39k▲ 24.8%€46k▲ 17.3%€46k▼ 1.0%€48k▲ 5.0%
Net result€17k-€21k▲ 26.1%€24k▲ 14.6%€27k▲ 11.6%€29k▲ 8.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €391k
Fixed assets
€286k▼ 3.2%
Current assets
€105k▲ 18.8%
Equity and liabilities €391k
Equity
€231k▲ 14.5%
Debt
€160k▼ 12.0%
The debt ratio falls from 47.5% to 41.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€58k▲
2024 · €56k
Cash flow
€39k▲
2024 · €37k
Solvency
59.0%▲
2024 · 52.5%
Current ratio
2.71▲
2024 · 2.23
Quick ratio
2.71▲
2024 · 2.23
Debt / equity
0.70▼
2024 · 0.90
ROE
12.6%▼
2024 · 13.4%
ROA
7.5%▲
2024 · 7.0%
Interest coverage
15.96▲
2024 · 11.00
Debt
€160k▼
2024 · €182k
Debt ≤ 1 year
€39k▼
2024 · €40k
Debt > 1 year
€122k▼
2024 · €142k
Income taxes
€15k▲
2024 · €14k
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€384k€391k▲
Fixed assets21/28€295k€286k▼
Tangible fixed assets22/27€295k€286k▼
Land and buildings22€288k€281k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€89k€105k▲
Amounts receivable within one year40/41€5k€6k▲
Trade receivables40€4k€6k▲
Other amounts receivable41€419€419=
Cash at bank and in hand54/58€83k€96k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€384k€391k▲
Equity10/15€201k€231k▲
Contributions10/11€19k€19k=
Reserves13€136k€165k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€134k€163k▲
Profit (loss) carried forward14€47k€47k=
Amounts payable17/49€182k€160k▼
Amounts payable after more than one year17€142k€122k▼
Financial debts170/4€142k€122k▼
Amounts payable within one year42/48€40k€39k▼
Current portion of amounts payable after more than one year42€20k€20k▲
Trade debts44€480€2k▲
Suppliers440/4€480€2k▲
Taxes, remuneration and social security45€18k€17k▼
Taxes450/3€18k€17k▼
Other amounts payable47/48€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼
Other operating charges640/8€965€1k▲
Gross operating margin9900€57k€59k▲
Operating profit (loss)9901€46k€48k▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€41k€44k▲
Income taxes67/77€14k€15k▲
Profit (loss) for the period9904€27k€29k▲
Profit (loss) for the period to be appropriated9905€27k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€74k€76k▲
Profit (loss) brought forward from the previous period14P€47k€47k=
Transfer to equity691/2€27k€29k▲
To other reserves6921€27k€29k▲
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
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Highest result since 2018net €29k ▲8.1%
Operating result €48k, net result €29k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €201k ▲15.4%
7 profitable years in a row build equity to €201k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Equity above €150kEq €150k ▲9.5%
5 profitable years in a row build equity to €150k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
31-12
Financial
Weakest financial yearnet €11k ▼38.7%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €103k ▲11.4%
2 profitable years in a row build equity to €103k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Tessenderlo-Ham · 1 establishment unit since 2014
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.
Engsbergseweg 273980 Tessenderlo-HamGround area
775 m²
Building footprint
136 m²
Volume, LiDAR
959 m³
Parcel 71364D0686/00P007, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NiVo Technics
since 20142.237.354.884
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71364D0686/00P007 | Flanders | 775 m² | 1 · 136 m² | 10.5 m · 2 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 1,280 companies in sector 81100 we hold annual accounts for 677. 467 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-12-2014
Fiscal year end31-12
Activities, NACEBEL
81100Combined facilities support activities
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.