Turnover
≈ €210,000 estimated
The abbreviated format states no turnover.
Novio Construct
Overview
Key points
from the 2025 annual accounts2025 accounts filed 21 days after the deadline
Checked score
96
Excellent
Financially stronger than 76% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 0.7%
02-2026: 0.7%● unchanged vs 01-2026
03-2026: 0.7%● unchanged vs 02-2026
04-2026: 0.7%● unchanged vs 03-2026
05-2026: 0.8%▲ +0.1 percentage points vs 04-2026
06-2026: 0.9%▲ +0.1 percentage points vs 05-2026
07-2026: 0.9%● unchanged vs 06-2026
08-2026: 1.0%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.1%▼ -0.9 percentage points vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Last filed accounts filed 21 days late
lowers risk
Liquidity: current ratio 1.59, cash €88,529
Sector: Real estate activities (NACE 68)
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 68, micro). It does better than 55% of them on solvency, 78% on liquidity and 95% on profitability.
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, 11,279 companies had the same profile as Novio Construct has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of Novio Construct itself: 0.1% 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 11,279 companies, not a prediction for Novio Construct. 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 €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.59, above the usual 1.5. Short-term debt is 62% and cash 53.9% of total assets. However, 62% 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
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 21 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
21 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- DIVIO 100%score 53equity -€223,934 (2025) · annual accounts 2025
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1017968280
Incorporation
Founding capital of €3,000, 30 shares · Founder: DIVIO · Appointment: DIVIO (director) · published on 30-12-2024 · Gazette deed
First establishment
Duigemhofstraat 101, Herent
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Novio Construct Herent | €164,132 | €79,986 | 38.0% | - |
| KEYSIDE Overijse | €135,087 | €104,473 | 85.8% | - |
| KOmpleet Bruges | €167,558 | €103,049 | 4.4% | - |
| Falthotec Ypres | €134,912 | €68,557 | 28.4% | - |
| Ferm Vastgoed Lichtervelde | €129,470 | €71,234 | 74.2% | - |
| NEU Zedelgem | €215,979 | €66,373 | 24.1% | - |
| KERIMMO HOLDING 2 Genk | €140,003 | €54,108 | 100.0% | - |
These companies have the same main activity as Novio Construct: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €129,000 and €216,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 26-12-2024Normal situation
- Registered office
- 10 active companies are registered at this addressSource: KBO register, as of 10 November 2026.
- Activity
- Development of residential building projectsNACE 68121
- Establishment unit
- 2.369.153.6353020 Herent, since 26-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 20-11-2025
Insights on Novio Construct
Novio Construct has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €62,317 and a net result of €59,317.
Its solvency ranks better than 56% of 11,297 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
abbreviated format, filed on 21-08-2026, 21 days late€79,986
€79,784
€59,317
€60,572
38.0%
1.59
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €210,000. Estimated: probably between €110,000 and €490,000.
Balance sheet
balance sheet total €164,132 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
38.0%
Higher than 56% of 11,297 companies in 2025.
1.59
Higher than 62% of 10,849 companies in 2025.
36.1%
Higher than 95% of 11,182 companies in 2025.
Novio Construct
Middle half of the sector
80% of the sector
Abbreviated accounts in real estate (NACE 68)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
164,132 | |
21/28 |
1,745 | |
22/27 |
1,745 | |
23 |
568 | |
24 |
1,177 | |
29/58 |
162,387 | |
3 |
15,590 | |
37 |
15,590 | |
40/41 |
57,714 | |
40 |
27,900 | |
41 |
29,814 | |
54/58 |
88,529 | |
490/1 |
553 | |
| Balance sheet: equity and liabilities | ||
10/49 |
164,132 | |
10/15 |
62,317 | |
10/11 |
3,000 | |
13 |
59,317 | |
133 |
59,317 | |
17/49 |
101,815 | |
42/48 |
101,815 | |
44 |
71,812 | |
440/4 |
71,812 | |
45 |
29,818 | |
450/3 |
29,818 | |
47/48 |
184 | |
| Income statement | ||
9900 |
79,986 | |
630 |
187 | |
640/8 |
15 | |
9901 |
79,784 | |
65/66B |
349 | |
65 |
349 | |
9903 |
79,435 | |
67/77 |
20,118 | |
9904 |
59,317 | |
9905 |
59,317 | |
| Appropriation of the result | ||
9906 |
59,317 | |
691/2 |
59,317 | |
6921 |
59,317 | |
| Document | ||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 21-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 21 days after the deadline. Filed on 21 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00425690.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 21-08-2026 | 2026-00425690 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 79,971 | ||
| 59,504 | ||
| 1,932 | ||
| 60,572 | ||
| 38.0% | ||
| 1.59 | ||
| 1.44 | ||
| 1.63 | ||
| 95.2% | ||
| 36.1% | ||
| over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €1,932 |
| €187 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on Novio Construct
Debt's share of the balance-sheet total is 62.0%.
Board & ownership
Board
1 director, since incorporationDIVIO BV
Director (not named in the articles), permanent representative AERTS Koen
since 26-12-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 21-08-2026
Permanent representatives 1
Mandates through the years
1 name, the dashed line is todayDIVIO
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- DIVIO
- Director (not named in the articles), from 26-12-2024 to date
Control
100%
This company
Novio Construct
Equity €62,317
Profit €59,317 in 2025
Capital
- Contribution
- €3,000
- Shares
- 30
- Contribution per share
- €100
- Equity per share
- €2,077 in 2025
- Source
- deed of 30-12-2024
Articles of association
deed of 30-12-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last day of June at 14:00
Capital transactions
Shareholders according to the deeds
At incorporation
deed of 30-12-2024 ↗
- DIVIO (BE 1013.560.819) 30 shares (100%) · €3,000
Capital over time
- 30-12-2024 Incorporation · €3,000 · 30 shares
Network & group
Group
DIVIO has 1 direct subsidiary (2025 accounts)Belgium 1 Equity Result
- BE Novio Construct €62,317 result €59,317
Source: list of holdings in the 2025 accounts of DIVIO. Every holding stands with its own latest accounts.
At the same address
Duigemhofstraat 101, 3020 Herent · 9 other companies| DIVIO
registered office since 13-09-2024 · founded in 2024 · negative equity (2025) |
total assets €9.2m (2025) 1013.560.819 |
| Emweb
registered office since 22-02-2008 · founded in 2008 |
11 FTE (2025) 0895.941.983 |
| DUIGEMHOF
registered office since 29-12-1999 · founded in 1999 |
total assets €1.6m (2025) 0467.409.049 |
| MINDSPELLER
registered office since 07-05-2015 · founded in 2015 |
total assets €1.2m (2025) 0629.858.018 |
| Mindspeller BCI
registered office since 02-07-2020 · founded in 2020 |
total assets €680,685 (2025) 0749.699.835 |
| Aqua Pharma Belgium
registered office since 19-10-2021 · founded in 2021 · negative equity (2025) |
total assets €73,959 (2025) 0775.936.850 |
| AMEAURE
registered office since 11-06-2025 · founded in 2025 |
total assets €39,740 (2025) 1024.217.852 |
| Water Treatment Systems, Faucets & More
registered office since 28-03-2023 · founded in 2023 |
total assets €30,656 (2025) 0799.980.477 |
| The Witches House
registered office since 18-10-2024 |
founded in 2024 1015.259.903 |
Connections & network
1 current directorThe network starts from the directors of Novio Construct. Every other company they run is a node.
This company
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Shareholding
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Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBabbreviated format · 21 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1017968280
2024
IncorporationFounding capital of €3,000, 30 shares · Founder: DIVIO · Appointment: DIVIO (director) · published on 30-12-20247 points ▸
First establishment Duigemhofstraat 101, Herent
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1017.968.280
- VAT number
- BE 1017.968.280
- Peppol ID
- 0208:1017968280
- Other Peppol ID
- 9925:BE1017968280
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 26-12-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last day of June at 14:00deed of 30-12-2024 (in Dutch)
- Peppol
- Reachable since 20-11-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Novio Construct in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 30-12-2024 (in Dutch)
- Name clauseThe company operates under this name according to its articles.
- Novio Constructdeed of 30-12-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 30-12-2024 (in Dutch)
Activities
NACEBEL 202568121
Development of residential building projects main activity
Codes under NACEBEL 2008
41101
Real estate development main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Verrichtingen te doen,met betrekking tot onroerende goederen,zoals bijvoorbeeld en niet beperkend…”deed of 30-12-2024 (in Dutch)
25 activities
- Verrichtingen te doen,met betrekking tot onroerende goederen,zoals bijvoorbeeld en niet beperkend: aankoop,verkoop,leasing,ruiling,bouwpromotie,projectontwikkeling,verhuring,beheer,exploitatie,conceptuitwerking,onderhoud,coördinatie,toezicht op uitvoering van bouwwerken,postorder,opmeting,schatting,expertise,oprichting,omvorming of ombouwing en valorisatie van onroerende goederen van alle aard,zowel gronden als gebouwen,in voorkomend geval bij middel van lotissering,verkaveling,nieuwbouw,renovatie,heropbouw of verbouwing,voorts ook alle plaatsingen van kapitalen,en het beheer en de valorisatie van alle roerende en onroerende goederen
- Het verlenen van adviezen zowel op financieel,economisch,commercieel,fiscaal,juridisch,technisch en administratief gebied,de organisatie van bedrijven,alsmede het beheer en de vertegenwoordiging van bedrijven,bovendien zal de vennootschap alle mogelijke financiële handelingen kunnen stellen ten einde de verrichtingen,vallend binnen haar maatschappelijke doel,te vergemakkelijken,zelfs in voordeel of voor rekening van derden opdrachtgevers,het aangaan van kredieten; aan - en verkoop van meubilering en totale inrichting van onroerende goederen en binnenhuisinrichting.
- Alle commerciële,industriële,financiële en burgerlijke,roerende en onroerende handelingen of verrichtingen te doen,die van aard zijn en verband houden met haar maatschappelijk doel,rechtstreeks of onrechtstreeks.
- Het uitvoeren van onderhouds- en herstellingswerkzaamheden aan gebouwen en toebehoren
- Alle grondwerken,aanleggen van terrassen,opritten enzovoort
- Tuinaannemer in de meest ruime zin
- (eind)afwerking van gebouwen
- Aannemer van metsel-,voeg-,chape- en betonwerken
- Aannemer van dakwerken
- Funderingswerken
- Onderneming voor het optrekken en afbreken van steigers en werkplatforms
- Onderneming voor het uitvoeren van hijs- en hefwerkzaamheden
- Onderneming voor het vlechten van ijzer en het aanbrengen van bekisting
- Plaatsen van vloerbekleding en wandbekleding van hout en andere materialen
- Installatie van al dan niet verplaatsbare tussenwanden,de bekleding van wanden,plafonds enzovoort,gyproc-werken
- Montage van binnen- en buitenschrijnwerk van hout of van kunststof: deuren,vensters,kozijnen,trappen,muurkasten,inbouwkeukens,winkelinrichtingen,enzovoort,inclusief maatwerk,plaatsing en ontwerp
- Installatie van stores,zonneschermen en vliegenramen
- Isolatiewerkzaamheden
- Elektriciteitswerken
- Werfbegeleiding
- Begeleiding bij de verkoop van onroerende goederen
- Installatie van particuliere zwembaden
- Sanitaire werken en loodgieterij
- Werkzaamheden in verband met groene energie
- In het algemeen,alle werkzaamheden die vallen onder woningbouw in de meest ruime zin (inclusief buiten- en binnenafwerking)
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Duigemhofstraat 101 registered office 3020 Herent | 26-12-2024 | 2.369.153.635 |
Buildings and parcels at the address
- Ground area
- 4,682 m²
- Buildings
- 943 m²
- Volume, LiDAR
- 6,604 m³
- Tallest building
- 13.3 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 24423H0002/00C000 | 4,682 m² | 1 · 943 m² | 13.3 m · 2 |
1 of these parcels carries protected heritage. Expect extra rules on renovation or sale.
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1017.968.280