PER NIVO
ActivePER NIVO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69k and a net result of €15k. Equity is growing by ~35.6% per year across the filed fiscal years. Its solvency ranks better than 41% of 1898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-2
Solvency70=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.73 against 0.43 in 2024; short-term debt: 46% and cash: 4.2% of total assets), and 54.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← 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
45.5%
Return on assets
10.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
4 d early
2024
1 d early
2023
1 d early
2022
7 d early
2021
4 d early
2020
173 d early
2019
24 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€69k▲ 28.8%
2024 · €53k
2019: €-9k
2020: €15k
2021: €21k
2022: €33k
2023: €39k
2024: €53k
2019 → 2025
Total assets
€151k▲ 26.3%
2024 · €120k
2019: €21k
2020: €26k
2021: €114k
2022: €117k
2023: €125k
2024: €120k
2019 → 2025
Net result
€15k▲ 9.5%
2024 · €14k
2019: €-26k
2020: €25k
2021: €6k
2022: €12k
2023: €6k
2024: €14k
2019 → 2025
Working capital
€-19k▲ 28.5%
2024 · €-26k
2019: €-9k
2020: €15k
2021: €-20k
2022: €-21k
2023: €-28k
2024: €-26k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€33k▲ 55.0%€39k▲ 18.2%€53k▲ 35.8%€69k▲ 28.8%
Operating result€12k-€21k▲ 73.0%€21k▲ 1.2%€26k▲ 23.2%€26k▼ 0.8%
Net result€6k-€12k▲ 87.1%€6k▼ 48.7%€14k▲ 132%€15k▲ 9.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €151k
Fixed assets
€100k▼ 0.2%
Current assets
€51k▲ 165%
Equity and liabilities €151k
Equity
€69k▲ 28.8%
Debt
€82k▲ 24.2%
The debt ratio falls from 55.4% to 54.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€26k▼
2024 · €26k
Cash flow
€16k▲
2024 · €14k
Solvency
45.5%▲
2024 · 44.6%
Current ratio
0.73▲
2024 · 0.43
Quick ratio
0.72▲
2024 · 0.40
Debt / equity
1.20▼
2024 · 1.24
ROE
22.4%▼
2024 · 26.3%
ROA
10.2%▼
2024 · 11.7%
Interest coverage
7.83▼
2024 · 11.77
Debt
€82k▲
2024 · €66k
Debt ≤ 1 year
€69k▲
2024 · €45k
Debt > 1 year
€6k▼
2024 · €20k
Income taxes
€8k▼
2024 · €10k
Staff costs
€960▼
2024 · €2k
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€120k€151k▲
Fixed assets21/28€100k€100k▼
Tangible fixed assets22/27€363€113▼
Furniture and vehicles24€363€113▼
Financial fixed assets28€100k€100k=
Current assets29/58€19k€51k▲
Stocks and contracts in progress3€1k€1k=
Stocks30/36€1k€1k=
Amounts receivable within one year40/41€17k€42k▲
Trade receivables40€2k€319▼
Other amounts receivable41€15k€42k▲
Cash at bank and in hand54/58-€6k
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€120k€151k▲
Equity10/15€53k€69k▲
Contributions10/11€1€1=
Reserves13€16k€16k=
Non-distributable reserves130/1€16k-
Reserves not available under the articles1311€16k-
Distributable reserves133-€16k
Profit (loss) carried forward14€37k€53k▲
Amounts payable17/49€66k€82k▲
Amounts payable after more than one year17€20k€6k▼
Financial debts170/4€20k€6k▼
Amounts payable within one year42/48€45k€69k▲
Current portion of amounts payable after more than one year42€13k€14k▲
Financial debts43€2k-
Other loans439€2k-
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€25k€52k▲
Taxes450/3€23k€52k▲
Remuneration and social security454/9€2k-
Accrued charges and deferred income492/3€2k€7k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€960▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€367€251▼
Other operating charges640/8€3k€1k▼
Gross operating margin9900€31k€28k▼
Operating profit (loss)9901€26k€26k▼
Financial income75/76B€1€1k▲
Recurring financial income75€1€1k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€24k€24k▲
Income taxes67/77€10k€8k▼
Profit (loss) for the period9904€14k€15k▲
Profit (loss) for the period to be appropriated9905€14k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€37k€53k▲
Profit (loss) brought forward from the previous period14P€23k€37k▲
The notes to these accounts (6 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
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
30-06
Financial
Liquidity quadruplescurrent ratio 2.43
Current ratio from 0.69 to 2.43; short-term debt falls from €31k to €11k.
24-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
05-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
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, Zoutleeuw · 1 establishment unit since 2016
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.
Linterseweg 643440 ZoutleeuwGround area
3,193 m²
Building footprint
713 m²
Volume, LiDAR
3,164 m³
2 parcels, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PER NIVO
since 20162.255.507.049
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24017E0246/00L000 | Flanders | 2,464 m² | 1 · 583 m² | 10.8 m · 1 fl. |
| 24017E0248/00H000 | Flanders | 728 m² | 1 · 130 m² | 9.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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POINTS PLUS PUNTEN
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Belarabit
BE 0733.628.024
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S1T
BE 0693.764.289
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RQM+ (Belgium)
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Of 3,153 companies in sector 63920 we hold annual accounts for 1,522. 1,244 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-07-2016
Fiscal year end30-06
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.