Equity
€297,374 ▲ 80.5%
Equity rose in 2025 from €164,742 to €297,374.
NVISION DATA
Overview
Lifetime
2 annual accounts with figures on one time axispeak €220,570 (2024)
€184,697▼ 16.3%
peak €161,575 (2024)
€133,465▼ 17.4%
peak €297,374 (2025)
€297,374▲ 80.5%
€41,980▼ 16.6%
Board1 name since 2023
1 directorDE SMEDT,Lorenz
Documentsfilings and deeds
02-07-202629 days before the deadline
2025micro format
Gross margin from €220,570 to €184,697Dividend €833Equity from €164,742 to €297,374Debts from €50,335 to €41,980Cash from €4,045 to €12,999
Key points
from the 2025 annual accountsTurnover
≈ €280,000 estimated
The micro format states no turnover.
Investments
€31,401 5.0 × depreciation
Green is investment, beige is depreciation.
Liquidity
7.29 was 3.62 in 2024
Short-term debts fell from €50,335 to €41,980.
Starting capital
€4,000
Position in the sector
€133,465
Higher net result than 95% of companies in computer programming and consultancy. Sector median €28,568 · 21,212 companies.
Checked score
93
Excellent
Financially stronger than 72% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.5%▲ +0.1 percentage points vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.5%● unchanged vs 05-2025
07-2025: 0.5%● unchanged vs 06-2025
08-2025: 0.6%▲ +0.1 percentage points vs 07-2025highest value
09-2025: 0.3%▼ -0.3 percentage points vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.2%▼ -0.1 percentage points vs 07-2026lowest value
09-2026: 0.2%● unchanged vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2023
Liquidity: current ratio 7.29, cash €12,999
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Equity €297,374 (87.6% of total assets)
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 62, micro). It does better than 85% of them on solvency, 35% on liquidity, 82% on profitability and 87% 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 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, 39,278 companies had the same profile as NVISION DATA has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of NVISION DATA itself is lower: 0.2% within 12 months. It rests on far more data about NVISION DATA than the profile alone.
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 39,278 companies, not a prediction for NVISION DATA. 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 €25,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 7.29 (3.62 in 2024), above the usual 1.5. Short-term debt is 12.4% and cash 3.8% of total assets. 12.4% 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 riskneutral
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 02-07-2026, 29 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
29 days early
2024
2 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 16 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% 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.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0805696252
Incorporation
Founding capital of €4,000, 100 shares · Founder: DE SMEDT, Lorenz · Permanent representative: Tom Dewaele · published on 13-09-2023 · Gazette deed
First establishment
Sint Huybrechtstraat 102, Merchtem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| NVISION DATA Merchtem | €339,353 | €184,697 | 87.6% | - |
| Manageable Kraainem | €361,443 | €183,369 | 68.3% | - |
| CornerStone Consulting Huldenberg | €349,493 | €212,660 | 77.1% | - |
| ELLO SOLUTIONS Zaventem | €369,302 | €190,495 | 30.3% | - |
| Ten Thousand Hours Ypres | €333,777 | €180,246 | 41.3% | - |
| AZAFRAN Forest | €319,938 | €170,959 | 95.1% | - |
| ARKIPAY Morlanwelz | €345,067 | €206,625 | 38.8% | - |
These companies have the same main activity as NVISION DATA: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €320,000 and €369,000, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 11-09-2023Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 5 others
- Establishment unit
- 2.349.287.4411785 Merchtem, since 11-09-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 21-07-2025
Annual accounts 2025
- €184,697▼ 16.3%
- €133,465▼ 17.4%
- €297,374▲ 80.5%
- €339,353▲ 57.8%
- Filing
- Filed on 02-07-2026, 29 days before the end of the filing period
Insights on NVISION DATA
NVISION DATA has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €297,374 and a net result of €133,465.
Its solvency ranks better than 85% of 21,206 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 02-07-2026, 29 days before the deadline€184,697
▼ 16.3%
€165,700
▼ 21.0%
€133,465
▼ 17.4%
€263,853
▲ 100%
87.6%
▲ 11.0 percentage points
7.29
▲ 3.67
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €280,000. Estimated: probably between €260,000 and €350,000.
Balance sheet
balance sheet total €339,353 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
87.6%
Higher than 85% of 21,206 companies in 2025.
7.29
Higher than 83% of 20,569 companies in 2025.
39.3%
Higher than 77% of 20,744 companies in 2025.
NVISION DATA
Middle half of the sector
80% of the sector
Micro accounts in computer programming and consultancy (NACE 62)
Net result: top quarter · Equity: top quarter · Balance sheet total: top quarter · Working capital: top quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
339,353 | 215,077 | |
21/28 |
33,520 | 32,934 | |
22/27 |
33,520 | 32,934 | |
23 |
524 | 1,114 | |
24 |
32,997 | 31,820 | |
29/58 |
305,833 | 182,143 | |
40/41 |
0 | 987 | |
40 |
0 | 12 | |
41 |
0 | 975 | |
50/53 |
292,577 | 177,016 | |
54/58 |
12,999 | 4,045 | |
490/1 |
256 | 94 | |
| Balance sheet: equity and liabilities | |||
10/49 |
339,353 | 215,077 | |
10/15 |
297,374 | 164,742 | |
10/11 |
4,000 | 4,000 | |
13 |
293,374 | 160,742 | |
133 |
293,374 | 160,742 | |
14 |
0 | 0 | |
17/49 |
41,980 | 50,335 | |
42/48 |
41,980 | 50,335 | |
43 |
46 | 49 | |
430/8 |
46 | 49 | |
44 |
142 | 540 | |
440/4 |
142 | 540 | |
45 |
39,405 | 47,938 | |
450/3 |
38,055 | 47,938 | |
454/9 |
1,350 | - | |
47/48 |
2,387 | 1,809 | |
| Income statement | |||
9900 |
184,697 | 220,570 | |
630 |
6,261 | 10,923 | |
66A |
12,736 | - | |
9901 |
165,700 | 209,647 | |
75/76B |
5,562 | 19 | |
75 |
5,562 | 19 | |
65/66B |
1,157 | 548 | |
65 |
1,157 | 548 | |
9903 |
170,106 | 209,117 | |
67/77 |
36,641 | 47,542 | |
9904 |
133,465 | 161,575 | |
9905 |
133,465 | 161,575 | |
| Appropriation of the result | |||
9906 |
133,465 | 161,575 | |
691/2 |
132,632 | 160,742 | |
6921 |
132,632 | 160,742 | |
694/7 |
833 | 833 | |
694 |
833 | 833 | |
| Document | |||
The notes to these accounts have 7 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 02-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 171,961 | 220,570 | ||
| 139,726 | 172,498 | ||
| 31,401 | 41,574 | ||
| 8,954 | - | ||
| 263,853 | 131,808 | ||
| 87.6% | 76.6% | ||
| 7.29 | 3.62 | ||
| 0.14 | 0.31 | ||
| 44.9% | 98.1% | ||
| 39.3% | 75.1% | ||
| over 100 | 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 | 2024 |
|---|---|---|
| Tangible fixed assets | €31,401 | €41,574 |
| €6,261 | €10,923 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on NVISION DATA
The operating result for 2025 is 21% lower than in 2024.
Debt's share of the balance-sheet total falls from 23.4% to 12.4%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationStatutory director
since 11-09-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 02-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 13-09-2023
Mandates through the years
1 name, the dashed line is todayDE SMEDT,Lorenz
Statutory director
Statutory director
Board
Mandates as a list
- DE SMEDT,Lorenz
- Statutory director, from 11-09-2023 to date
Control
Capital
- Contribution
- €4,000
- Shares
- 100
- Contribution per share
- €40
- Equity per share
- €2,974 in 2025
- Source
- deed of 13-09-2023
Articles of association
deed of 13-09-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- 100 shares
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Saturday of June
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “Beslissing algemene vergadering, vormvereisten,aanwezigheidsquorum en meerderheid Wetboek van vennootschappen en verenigingen”
Shareholders
At incorporation
deed of 13-09-2023 ↗
- DE SMEDT,Lorenz 100 shares (100%) · €4,000 in cash
Capital transactions
Capital over time
- 13-09-2023 Incorporation · €4,000
- 13-09-2023 Incorporation · €4,000 · 100 shares
Network & group
No group
NVISION DATA has no parent and no holdings in its annual accounts. DE SMEDT,Lorenz is the only director. NVISION DATA shares no director with another company.
The LEI register names no parent.
Timeline
Timeline
7 events since 2023Filings
Financial
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 29 days before the deadline
2025
Liquidity doubles current ratio 7.29 The current ratio rises from 3.62 to 7.29. Short-term debt falls from €50,335 to €41,980.
Equity above €200,000 equity €297,374 ▲80.5% With a profit in every financial year since 2024, equity grows to €297,374.
Annual accounts 2024 filed PDFmicro format · 2 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0805696252
2023
IncorporationFounding capital of €4,000, 100 shares · Founder: DE SMEDT, Lorenz · Permanent representative: Tom Dewaele · published on 13-09-20237 points ▸
- Founder, DE SMEDT, Lorenz
- Founding capital, €4,000
- Founding capital, €4,000, 100 shares
- Registered office clause, Sint Huybrechtstraat 102, 1785 Merchtem
- Permanent representative, Tom Dewaele
- Power of attorney, Hilde Fermon
- Director appointment, DE SMEDT, Lorenz (statutory director)
- The deed holds 3 more points.
First establishment Sint Huybrechtstraat 102, Merchtem
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
NVISION DATA was incorporated on 11 September 2023 as a private limited company by one natural person, with a starting capital of €4,000.12 Since 2023, DE SMEDT,Lorenz has served as statutory director.3 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 0805.696.252
- VAT number
- BE 0805.696.252
- Peppol ID
- 0208:0805696252
- Other Peppol ID
- 9925:BE0805696252
- LEI code
- 984500NED9B9C76DB435 live in the LEI register
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 11-09-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Saturday of Junedeed of 13-09-2023 (in Dutch)
- Peppol
- Reachable since 21-07-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- NVISION DATA in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 13-09-2023 (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 13-09-2023 (in Dutch)
Activities
NACEBEL 202562200
Computer consultancy and computer facilities management main activity
62100
Computer programming
Codes under NACEBEL 2008
62020
IT consultancy main activity
58290
Publishing activities
62010
Computer programming, consultancy and related activities
62090
Computer programming, consultancy and related activities
63110
Computing infrastructure, data processing, hosting and other information service activities
70210
Activities of head offices; management consultancy activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het verlenen van advies over computers (hardware) en hun configuratie en toepassing van bijhorende programmatuur (software): analyseren van…”deed of 13-09-2023 (in Dutch)
8 activities
- Het verlenen van advies over computers (hardware) en hun configuratie en toepassing van bijhorende programmatuur (software): analyseren van behoeften en problemen van gebruikers;
- Het uitvoeren van alle consultancyopdrachten,het opmaken van businessplannen en het uitvoeren van audits en studies,het verlenen van adviezen van financiële,technische,commerciële of administratieve aard,in de ruimste zin,met uitzondering van adviezen inzake beleggingen en geldplaatsingen bijstand en diensten verlenen,rechtstreeks of onrechtstreeks op het vlak van administratieve en financiën,verkoop,productie en algemeen bestuur;
- Het technisch ontwikkelen van software en bijhorende technologieën in de ruime zin van het woord;
- De creatie,ontwikkeling,verbetering,installatie,verkoop en/of aankoop,distributie,commercialisering,programmering en onderhoud van software en bijhorende technologieën en databestanden. Dit zowel voor eigen ontwikkeling als voor derden;
- Het organiseren van cursussen,seminaries of elke andere vorm van opleiding of training van hoger vermelde materies;
- Het aanbieden van consulting diensten die betrekking die betrekking hebben op alle mogelijke adviezen of dienstenfuncties op het vlak van marketing,communicatie,strategiebepaling,mediabeheer,technische implementaties,marktonderzoek en elk ander onderwerp dat betrekking heeft op bovenstaande voorwerpomschrijving;
- Het geven van advies en verstrekken van diensten met betrekking tot de organisatie en het beheer van bedrijven die op dit domein actief zijn,de vertegenwoordiging en het optreden als commercieel tussenpersoon.
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten zoals de huurfinanciering van onroerende goederen aan derden,het aankopen,verkopen,ruilen,bouwen,verbouwen,onderhouden,verhuren,huren,verkavelen,prospecteren en uitbaten van onroerende goederen.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Sint Huybrechtstraat 102 registered office 1785 Merchtem | 11-09-2023 | 2.349.287.441 |
Buildings and parcels at the address
- Ground area
- 946 m²
- Buildings
- 170 m²
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23052B0185/00F000 | 945 m² | 1 · 170 m² | 0.0 m |