Nivoo3
ActiveSummary
Nivoo3 has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44k and a net result of €58k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 19% of 2015 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability94▲+22
Solvency40▲+1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.71 against 0.71 in 2024; short-term debt: 75.1% and cash: 1.5% of total assets), and 84.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
15.5%
Return on assets
20.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 2015 sector peers (2025).
NBB · sector comparisonPosition among 2015 sector peers
Solvency
better than 19%
← 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 d early
2024
13 d early
2023
7 d early
2022
28 d early
2021
38 d early
2020
65 d early
2019
9 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€44k▲ 0.6%
2024 · €43k
Total assets
€282k▼ 9.9%
2024 · €313k
Net result
€58k▲ 660%
2024 · €8k
Working capital
€-61k▲ 5.9%
2024 · €-64k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€18k▲ 80.5%€6k▼ 69.4%€29k▲ 418%€16k▼ 43.8%€73k▲ 342%
Net result€14k▲ 117%€4k▼ 73.9%€25k▲ 572%€8k▼ 69.0%€58k▲ 660%
Equity€30k▲ 36.8%€33k▲ 12.3%€43k▲ 30.2%€43k▲ 0.2%€44k▲ 0.6%
Total assets€189k▲ 23.4%€227k▲ 20.0%€250k▲ 10.2%€313k▲ 25.4%€282k▼ 9.9%
Debt€159k▲ 21.3%€194k▲ 21.5%€207k▲ 6.8%€270k▲ 30.7%€239k▼ 11.6%
Working capital€36k€-15k€-28k▼ 90.5%€-64k▼ 133%€-61k▲ 5.9%
Staff (FTE)4.7▼ 2.1%5▲ 6.4%6.1▲ 22.0%7.2▲ 18.0%5.7▼ 20.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 342% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €282k
Fixed assets
€131k ▼ 14.7%
Current assets
€151k ▼ 5.3%
Equity and liabilities €282k
Equity
€44k ▲ 0.6%
Debt
€239k ▼ 11.6%
Debt's share of the balance-sheet total falls from 86.2% to 84.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€113k▲
2024 · €55k
Cash flow
€97k▲
2024 · €46k
Current ratio
0.71▲
2024 · 0.71
Debt to equity
5.47▼
2024 · 6.23
ROE
132.4%▲
2024 · 17.5%
ROA
20.5%▲
2024 · 2.4%
Interest coverage
25.28▲
2024 · 10.60
Debt ≤ 1 year
€212k▼
2024 · €224k
Debt > 1 year
€25k▼
2024 · €46k
Income taxes
€11k▲
2024 · €4k
Staff costs
€314k▼
2024 · €358k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €78 | €0 | €2k | - |
| Remuneration, social security and pensions62 | €233k | €206k | €252k | €358k | €314k | ▼ 12.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €37k | €14k | €23k | €38k | €40k | ▲ 4.2% |
| Other operating charges640/8 | €3k | €11k | €1k | €2k | €1k | ▼ 28.2% |
| Non-recurring operating charges66A | - | - | €22k | €6k | €0 | ▼ 100% |
| Gross operating margin9900 | €291k | €236k | €327k | €420k | €428k | ▲ 1.8% |
| Operating profit (loss)9901 | €18k | €6k | €29k | €16k | €73k | ▲ 342% |
| Financial income75/76B | €146 | €0 | €0 | €10 | €0 | ▼ 100% |
| Recurring financial income75 | €146 | €0 | €0 | €10 | €0 | ▼ 100% |
| Financial charges65/66B | €2k | €2k | €3k | €5k | €4k | ▼ 13.6% |
| Recurring financial charges65 | €2k | €2k | €3k | €5k | €4k | ▼ 13.6% |
| Profit (loss) for the period before taxes9903 | €16k | €4k | €26k | €11k | €68k | ▲ 503% |
| Income taxes67/77 | €2k | €25 | €2k | €4k | €11k | ▲ 183% |
| Profit (loss) for the period9904 | €14k | €4k | €25k | €8k | €58k | ▲ 660% |
| Transfer from tax-exempt reserves789 | €13k | €0 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €27k | €4k | €25k | €8k | €58k | ▲ 660% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €189k | €227k | €250k | €313k | €282k | ▼ 9.9% |
| Fixed assets21/28 | €23k | €74k | €79k | €154k | €131k | ▼ 14.7% |
| Intangible fixed assets21 | €3k | €30k | €43k | €106k | €85k | ▼ 20.1% |
| Tangible fixed assets22/27 | €20k | €40k | €33k | €44k | €43k | ▼ 2.7% |
| Land and buildings22 | €1k | €564 | €0 | - | - | - |
| Furniture and vehicles24 | €18k | €40k | €33k | €26k | €29k | ▲ 12.5% |
| Leasing and similar rights25 | - | - | - | €18k | €14k | ▼ 24.2% |
| Financial fixed assets28 | €108 | €3k | €3k | €3k | €3k | = |
| Current assets29/58 | €166k | €153k | €171k | €160k | €151k | ▼ 5.3% |
| Amounts receivable within one year40/41 | €91k | €125k | €89k | €112k | €112k | ▲ 0.1% |
| Trade receivables40 | €91k | €124k | €88k | €108k | €100k | ▼ 7.7% |
| Other amounts receivable41 | €0 | €975 | €901 | €4k | €12k | ▲ 220% |
| Cash at bank and in hand54/58 | €63k | €20k | €75k | €19k | €4k | ▼ 77.3% |
| Deferred charges and accrued income490/1 | €12k | €8k | €8k | €29k | €35k | ▲ 20.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €189k | €227k | €250k | €313k | €282k | ▼ 9.9% |
| Equity10/15 | €30k | €33k | €43k | €43k | €44k | ▲ 0.6% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €25k | €25k | €25k | ▲ 1.1% |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Tax-exempt reserves132 | €0 | - | - | - | - | - |
| Distributable reserves133 | - | - | €25k | €25k | €25k | ▲ 1.1% |
| Profit (loss) carried forward14 | €9k | €13k | €0 | €0 | €0 | - |
| Amounts payable17/49 | €159k | €194k | €207k | €270k | €239k | ▼ 11.6% |
| Amounts payable after more than one year17 | €29k | €26k | €8k | €46k | €25k | ▼ 45.2% |
| Financial debts170/4 | €29k | €26k | €8k | €46k | €25k | ▼ 45.2% |
| Amounts payable within one year42/48 | €131k | €167k | €199k | €224k | €212k | ▼ 5.4% |
| Current portion of amounts payable after more than one year42 | €30k | €27k | €18k | €54k | €33k | ▼ 38.8% |
| Financial debts43 | - | €13k | €17k | €19k | €0 | ▼ 100% |
| Credit institutions430/8 | - | €13k | €17k | €19k | €0 | ▼ 100% |
| Trade debts44 | €26k | €87k | €65k | €42k | €42k | ▼ 0.1% |
| Suppliers440/4 | €26k | €87k | €65k | €42k | €42k | ▼ 0.1% |
| Taxes, remuneration and social security45 | €68k | €40k | €84k | €102k | €79k | ▼ 22.2% |
| Taxes450/3 | €29k | €13k | €29k | €25k | €43k | ▲ 72.1% |
| Remuneration and social security454/9 | €40k | €26k | €55k | €77k | €37k | ▼ 52.6% |
| Other amounts payable47/48 | €6k | €0 | €15k | €8k | €58k | ▲ 667% |
| Accrued charges and deferred income492/3 | - | - | €80 | €128 | €2k | ▲ 1,224% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14k | €4k | €25k | €8k | €58k | ▲ 660% |
| + Depreciation and write-downs630 | €37k | €14k | €23k | €38k | €40k | ▲ 4.2% |
| Operating cash flow (approximation) | €51k | €17k | €47k | €46k | €97k | ▲ 113% |
| Investment in fixed assets (approximation) | - | €-65k | €-28k | €-113k | €-17k | ▲ 84.8% |
| Change in cash | - | €-43k | €55k | €-56k | €-14k | ▲ 74.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-34k
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 11 acts read
About the unread acts
We know of 11 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
11 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, Gent · 1 establishment unit since 2003
Ground area
504 m²
Building footprint
151 m²
Volume, LiDAR
1,406 m³
Parcel 44804D2726/00R000, Flanders · tallest building 13.4 m, ±4 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Nivoo3
since 20032.133.960.804
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D2726/00R000 | Flanders | 504 m² | 1 · 151 m² | 13.4 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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 · 7,124 EUR awarded · 5,969 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,608 EUR | 2,453 EUR |
| 2024 | 1 | 648 EUR | 1,803 EUR |
| 2023 | 1 | 2,339 EUR | 1,184 EUR |
| 2022 | 1 | 529 EUR | 529 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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The Finest
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Of 3,923 companies in sector 71112 we hold annual accounts for 1,294. 1,071 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-11-2003
Fiscal year end31-12
Activities, NACEBEL 2025
71112Activities of interior architects
Contact
Scores and ratios are computed by Checked and are not a credit decision.