Active BE 0463.995.342Private limited company

NEVEN

Industrieweg 1 ·3840 Tongeren-Borgloon, Belgium· 28 yrs active

Sector: Other building cleaning and industrial cleaning (81220)

Conclusion Checked

NEVEN has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €521k and a net result of €52k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 444 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€521k
Net result	€52k
Staff (FTE)	5.5
Better than sector	90%

Financial profile 5 of 5 axes measured · computed by Checked

79 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 50

Solvency 100

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.6% Low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 1998, 28 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

94 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€50k

estimate, not credit advice

Score history

93 2022

100 2023

86 2024

94 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 5.39 (≥ 1.5) +10

Quick ratio Quick ratio 5.36 (≥ 1.0) +5

Leverage Debt/equity 0.26 (< 1.0) +10

Profitability ROE 10% +3

Interest coverage Interest coverage 30.2× (≥ 3×) +8

Profit trend Net profit up YoY +5

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview28 NBB filings

Annual accounts filed on 31-07-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~9.1%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 81, Services to buildings and landscape activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	79.2%	38.7%	better than 90% of 444 sector peers
Net result	€52k	€13k	better than 85% of 440 sector peers
Equity	€521k	€38k	better than 95% of 444 sector peers
Gross operating margin	€308k	€50k	better than 95% of 439 sector peers
Staff costs	€207k	€38k	higher than 92% of 200 sector peers

EBITDA

€99k

+11.8% 22-25

Net profit

€52k

+24.0% 22-25

Cash flow

€87k

+14.0% 22-25

Total assets

€658k

-1.9% 22-25

Equity

€521k

+4.2% 22-25

Working capital

€422k

+11.3% 22-25

Employees (FTE)

6

-8.3% 22-25

Staff costs

€207k

-7.9% 22-25

Income taxes

€22k

-1.8% 22-25

Dividends

€31k

- 22-25

Debt

€137k

-20.0% 22-25

Debt ≤ 1y

€96k

-19.9% 22-25

Debt > 1y

€37k

-27.1% 22-25

Current ratio

5.39

+29.5% 22-25

Quick ratio

5.36

+29.5% 22-25

Solvency

79.2%

+6.3% 22-25

Debt / equity

0.26

-23.2% 22-25

ROE

10.0%

+19.0% 22-25

ROA

7.9%

+26.5% 22-25

Interest coverage

30.19

+25.6% 22-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022
Deposit	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-
EBITDA	€99k	€88k	€134k	€82k
Net profit	€52k	€42k	€72k	€56k
Cash flow	€87k	€76k	€104k	€67k
Staff costs	€207k	€224k	€205k	€165k
Income taxes	€22k	€22k	€37k	€11k
Dividends	€31k	-	-	-
Total assets	€658k	€671k	€638k	€557k
Equity	€521k	€500k	€458k	€386k
Debt	€137k	€171k	€181k	€171k
of which ≤ 1y	€96k	€120k	€117k	€94k
of which > 1y	€37k	€50k	€64k	€77k
Working capital	€422k	€380k	€323k	€242k
Employees (FTE)	5.5	6.0	6.0	6.0

Ratios (computed)

	2025	2024	2023	2022
Current ratio	5.39	4.16	3.77	3.57
Quick ratio	5.36	4.14	3.75	3.54
Working capital ratio	64.2%	56.6%	50.6%	43.4%
Solvency	79.2%	74.5%	71.7%	69.3%
Debt / equity	0.26	0.34	0.39	0.44
Long-term debt ratio	0.07	0.10	0.14	0.20
Interest coverage	30.19	24.03	32.53	20.73
Gross margin	-	-	-	-
Net margin	-	-	-	-
ROA	7.9%	6.3%	11.3%	10.1%
ROE	10.0%	8.4%	15.7%	14.6%
EBITDA margin	-	-	-	-
Days sales outstanding	-	-	-	-
Days payable outstanding	-	-	-	-
Inventory turnover	-	-	-	-
Days inventory (DSI)	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €139k · 21.2% Current assets €519k · 78.8%

Equity & liabilities

Equity €521k · 79.2% Debt €137k · 20.8%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€658k	€671k	€638k	€557k
Fixed assets	21/28	€139k	€171k	€199k	€221k
Tangible fixed assets	22/27	€139k	€170k	€197k	€220k
Financial fixed assets	28	€0	€1k	€1k	€1k
Current assets	29/58	€519k	€500k	€440k	€336k
Stocks & contracts in progress	3	€3k	€3k	€3k	€3k
Amounts receivable within one year	40/41	€211k	€155k	€143k	€83k
Cash & bank	54/58	€194k	€206k	€158k	€111k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€658k	€671k	€638k	€557k
Equity	10/15	€521k	€500k	€458k	€386k
Contributions / capital	10/11	€97k	€97k	€97k	€97k
Reserves	13	€428k	€407k	€365k	€293k
Accumulated profits (losses)	14	€-5k	€-5k	€-5k	€-5k
Amounts payable	17/49	€137k	€171k	€181k	€171k
Amounts payable after one year	17	€37k	€50k	€64k	€77k
Amounts payable within one year	42/48	€96k	€120k	€117k	€94k
Trade debts payable within one year	44	€13k	€7k	€19k	€22k
Income statement
Gross operating margin	9900	€308k	€329k	€347k	€254k
Operating result	9901	€64k	€54k	€102k	€71k
Financial income	75	€13k	€14k	€11k	€2k
Financial charges	65	€3k	€4k	€4k	€4k
Result before taxes	9903	€74k	€64k	€109k	€67k
Income taxes	67/77	€22k	€22k	€37k	€11k
Net result for the period	9904	€52k	€42k	€72k	€56k
Result to be appropriated	9905	€52k	€42k	€72k	€56k

Directors & mandates 3 directors

Directors derived from a single State Gazette act, under verification

All 3 current directors first appear in the same act (23395181). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.

Current directors & mandates

LEMMENS Brigitte
Non-statutory director
State Gazette act 23395181 (22-09-2023)

Current
22-09-2023 → present
NEVEN Jan
Non-statutory director
State Gazette act 23395181 (22-09-2023)

Current
22-09-2023 → present
NEVEN Jan Marie
Non-statutory director
State Gazette act 23395181 (22-09-2023)

Current
22-09-2023 → present

Legal Structure

NACE primary	Other building cleaning and industrial cleaning(81220)
Legal form	Private limited company(610)
Incorporation	18-08-1998
Status	Active
Postal code	3840

Establishment units 1 location

Industrieweg 1, 3840 Tongeren-Borgloon

NACE 4545003

since 19982.089.262.313

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
73009B0439/00K002	Flanders	669 m²	1 · 1,195 m²	8.7 m · 1 fl.

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 11 events

All 14Financial 3Gazette 1Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Equity above €500kEq €521k ▲4.2%

4 profitable years in a row build equity to €521k.

22-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 22 days late

2024

31-12

Financial Weakest financial yearnet €42k ▼41.7%

Net result drops to €42k, the lowest in the series; recovery starts the following year.

05-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 5 days late

2023

31-12

Financial Highest result since 2022net €72k ▲27.9%

Operating result €102k, net result €72k, both a record.

22-09

State Gazette act Capital & shares

v3.2

25-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 25 days late

2022

24-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 24 days late

2021

29-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 29 days late

2020

18-09

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 49 days late

2019

28-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 28 days late

2018

28-08

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema · 28 days late

2017

24-08

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema · 24 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

Capital history · 1

22-09-2023

v3.2

All acts · 1 updated 2 years ago

2023

22-09-2023 Transaction in capital or shares Capital & shares

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0463.995.342",
    "name_full": "NEVEN"
  }
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

74700Other building cleaning and industrial cleaning8122093011Personal service activities96101

Names & trade names

Legal nameNL

NEVEN

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