Equity
€43,643 from €112,413 in 2010
Equity fell by 61% in 15 years.
Nivoo3
Lifetime
19 annual accounts with figures on one time axis, 22 filings since 2004peak €471,657 (2018)
€427,807▲ 1.8%
lowest -€77,707 (2007)
€57,770▲ 660%
peak €112,413 (2010)
€43,643▲ 0.6%
€238,785▼ 11.6%
peak 7.2 FTE (2018)
5.7 FTE▼ 20.8%
Board7 names since 2018
2 directorsValérie Graulich and 1 other
Owners
Documentsfilings and deeds
14-07-202617 days before the deadline
2025abbreviated format
Result from €7,605 to €57,770Staff from 7.2 FTE to 5.7 FTECash from €18,713 to €4,247
Key points
from the 2025 annual accountsResult
€57,770 ▲ 660%
The result rose in 2025 from €7,605 to €57,770.
Debts
€238,785 85% of the balance sheet
Financial debts 11%Suppliers 18%Taxes and wages 33%Other 39%
Of this, €212,006 falls due within a year.
Staff
5 employees on 31-12-2025
In 2025, nobody joined and 3 people left.
Filings
22 annual accounts since 2004
Two of the last ten came late. The 2017 accounts came latest: 29 days after the end of the period.
Board
1 left
A director left. Latest change 01-01-2026 · 1 in office.
Checked score
68
Healthy
Financially stronger than 34% of micro companies in architecture and engineering (NACE 71)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 14,828 companies (NACE 71, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025lowest value
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.8%▲ +0.6 percentage points vs 07-2025highest value
09-2025: 0.8%● unchanged vs 08-2025highest value
10-2025: 0.8%● unchanged vs 09-2025highest value
11-2025: 0.8%● unchanged vs 10-2025highest value
12-2025: 0.8%● unchanged vs 11-2025highest value
01-2026: 0.8%● unchanged vs 12-2025
02-2026: 0.8%● unchanged vs 01-2026
03-2026: 0.8%● unchanged vs 02-2026
04-2026: 0.8%● unchanged vs 03-2026
05-2026: 0.8%● unchanged vs 04-2026
06-2026: 0.7%▼ -0.1 percentage points vs 05-2026
07-2026: 0.8%▲ +0.1 percentage points vs 06-2026
08-2026: 0.7%▼ -0.1 percentage points vs 07-2026
09-2026: 0.7%● unchanged vs 08-2026
10-2026: 0.7%● unchanged vs 09-2026
11-2026: 0.7%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Equity €43,643 (15.5% of total assets)
Liquidity: current ratio 0.71, cash €4,247, halved
Size: 5.7 FTE, total assets €282,428
lowers risk
Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
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 71, micro). It does better than 19% of them on solvency, 5% on liquidity, 70% on profitability and 42% 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 low class on 30-06-2025, 0.8% 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, 3,818 companies had the same profile as Nivoo3 has now. Each dot stands for 10 companies, two years later.
95.0%
were still trading
3.7%
stopped another way
1.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Nivoo3 itself: 0.7% 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 3,818 companies, not a prediction for Nivoo3. 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 €2,500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.71 (0.71 in 2024), below 1. Short-term debt is 75.1% and cash 1.5% of total assets. 84.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
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 2566 sector peers (2025).
NBB · sector comparisonPosition among 2566 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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 days early
2024
13 days early
2023
7 days early
2022
28 days early
2021
38 days early
2020
65 days early
2019
9 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 25 days before the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% 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 14 July (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
Board and ownership
- RETAIL INTERIOR GROUP 100%equity €321,358 (2025) · 2025 annual accounts of RETAIL INTERIOR GROUP
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0861537271
Resignation: Valérie Graulich (director)
Director discharge: Valérie Graulich · General meeting of 19-06-2026 · Gazette deed
Company renamed from NIV003 to Nivoo3
Change of role: Robbens Peter, from manager to director · Resignation: Cha-Va Invest (director) · Appointments: Retail Interior Group (director) and Valérie Graulich (director) · General meeting of 05-12-2023 · Gazette deed
Registered office moved within Ghent
New registered office: François Benardstraat 2 (bus 201), 9000 Gent · Previous registered office: Koersenstraat 5, 9000 Gent · Permanent representative: Lebbe Karel · Board meeting of 25-08-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Nivoo3 Ghent | €282,428 | €427,807 | 15.5% | 5.7 |
| In-Lijn Tongeren-Borgloon | €413,280 | €311,350 | 42.7% | 6.2 |
| Staal Met Stijl Destelbergen | €507,030 | €569,982 | 41.8% | 7.9 |
| ZOULA Huy | €688,093 | €384,435 | 85.1% | 4.5 |
| Inside Bruges | €673,450 | €582,104 | 21.6% | 7.2 |
| PASCAL SEGERS INTERIEURCONCEPTEN Dilsen-Stokkem | €600,480 | €218,051 | 19.5% | 3.3 |
| ROTOR Evere | €332,232 | €540,801 | 79.6% | - |
These companies have the same main activity as Nivoo3: activities of interior architects (NACE 71112). They are comparable in size and age: total assets between €332,000 and €688,000, founded between 1991 and 2006.
Official details
Source: KBO- Status
- Active since 06-11-2003Normal situation
- Activity
- Activities of interior architectsNACE 71112
- Establishment unit
- 2.133.960.8049000 Ghent, since 30-10-2003
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Annual accounts 2025
- ≈ €1.0mestimated
- €282,428▼ 9.9%
- Employeeson 31-12-2025
- 5▼ 37.5%
- Filing
- Filed on 14-07-2026, 17 days before the end of the filing period
Companies linked to Nivoo3
Parent and group
Insights on Nivoo3
Nivoo3 files the abbreviated format. That format states no turnover. The gross margin rose from €193,987 in 2007 to €427,807 in 2025.
The balance sheet grew most from 2008 to 2009 through fixed assets, financed with long-term debt.
RETAIL INTERIOR GROUP holds all the shares.
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 Nivoo3
- What is the company number of Nivoo3?
- The company number of Nivoo3 is 0861.537.271. The VAT number is the same number with BE in front: BE 0861.537.271.
- Where is Nivoo3 based?
- The registered office is at François Benardstraat 2, 9000 Ghent.Company details
- What does Nivoo3 do?
- According to the KBO register, the main activity is activities of interior architects (NACE 71112).
- What is the legal form of Nivoo3?
- Nivoo3 is a private limited company (BV).
- When was Nivoo3 founded?
- Nivoo3 was founded on 06-11-2003.
- Is Nivoo3 still active?
- Yes, Nivoo3 is an active enterprise in the KBO register.
- How many employees does Nivoo3 have?
- Nivoo3 had an average of 5.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of Nivoo3?
- The turnover in financial year 2025 is ≈ €1.0m. This figure is estimated from the gross margin of €427,807 and 35 comparable companies (NACE 711). It probably lies between €770,000 and €1.4m.
- Is Nivoo3 profitable?
- In financial year 2025, Nivoo3 made a profit of €57,770.
- Where can I find the annual accounts of Nivoo3?
- Nivoo3 filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Nivoo3 due?
- Nivoo3 must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See which support similar companies received that this one did not.Subsidies
See how customers, suppliers and banks see your own company and what to improve first.