What does Nivelles Finances do?

Nivelles Finances is a bank in Nivelles. Private Limited, started on 1 October 2012, 1 establishment.

What is the address of Nivelles Finances?

The registered office of Nivelles Finances is located at Rue de Namur 73, 1400 Nivelles.

Is Nivelles Finances still active?

Yes. According to the CBE (30 September 2026) Nivelles Finances is active, legal situation “Normale toestand”, started on 1 October 2012.

Is Nivelles Finances registered on Peppol?

Yes, Nivelles Finances is registered on the Peppol network with ID 0208:0849689118.

What is the enterprise number of Nivelles Finances?

The enterprise number of Nivelles Finances is BE0849689118.

When was Nivelles Finances founded?

Nivelles Finances was founded on 1 October 2012.

Who are the directors of Nivelles Finances?

According to the 2025 annual accounts, the directors of Nivelles Finances are: ROCHER CONSULT SPRL, AJOVI, MELEX SRL, GIDEM SPRL, LAMBICONSULT SRL, ABR CONSULT.

Is Nivelles Finances a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 1 October 2012; 5 annual accounts filed, latest fiscal year 2025; 6 directors known from the annual account.

How much profit did Nivelles Finances make in 2025?

Nivelles Finances posted a profit after taxes of € 1,203,592 in financial year 2025.

What is the revenue of Nivelles Finances?

As a small company, Nivelles Finances is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 1,736,469.

How much does an employee at Nivelles Finances earn?

The average wage cost per full-time employee at Nivelles Finances was € 68,200 in 2025: staff costs of € 395,359 for 5.8 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does Nivelles Finances have?

According to the 2025 annual accounts, Nivelles Finances has 5.8 full-time equivalents (FTE).

Nivelles Finances (Private Limited) - Nivelles

Dossier Nivelles Finances, printed on 30 September 2026 from databakkes.be/en/0849689118/nivelles-finances. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

Nivelles Finances from Nivelles, company number BE0849689118, closed financial year 2025 with a result of € 1.2 million after tax. For that financial year Nivelles Finances recorded a gross margin of € 1.7 million and equity of € 431,686. Compared with financial year 2024, the result moved from € 648,492 to € 1.2 million. Profitable, and profit is growing. The buffer shrank hard: equity is 54 % below last year. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 22, 2026.

What it is worth Shrank hard

€ 431,686

▼ 54% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 1.2 million

▲ 86% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 987,229

▼ 3% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 1.7 million paid out

More than the year’s profit went to the shareholders; reserves fell.

People and assets in 2025

Full-time equivalents

5.8

▲ 0.8 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 395,359

▲ 24% vs 2024

€ 68,200 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Vehicles and equipment

€ 13,855

▼ 33% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 4 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 129,307

▲ € 118,647 vs 2024

€ 34,307 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.

Owed to suppliers

€ 9,235

▼ 53% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 178,952

▲ 45% vs 2024

Taxes, VAT and social contributions still to pay.

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Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 575,377 Gross margin 2022: € 575,377 First fiscal year in the series	€ 527,625 Gross margin 2023: € 527,625 ▼ 8% vs 2022 (€ 575,377) Unfavourable step	€ 1,147,372 Gross margin 2024: € 1,147,372 ▲ 117% vs 2023 (€ 527,625) Favourable step	€ 1,736,469 Gross margin 2025: € 1,736,469 ▲ 51% vs 2024 (€ 1,147,372) Favourable step	▲ 51%
Profit after taxes	€ 270,737 Profit after taxes 2022: € 270,737 First fiscal year in the series	€ 146,390 Profit after taxes 2023: € 146,390 ▼ 46% vs 2022 (€ 270,737) Unfavourable step	€ 648,492 Profit after taxes 2024: € 648,492 ▲ € 502,101 vs 2023 (€ 146,390) Favourable step	€ 1,203,592 Profit after taxes 2025: € 1,203,592 ▲ 86% vs 2024 (€ 648,492) Favourable step	▲ 86%
Equity	€ 450,393 Equity 2022: € 450,393 First fiscal year in the series	€ 596,784 Equity 2023: € 596,784 ▲ 33% vs 2022 (€ 450,393) Favourable step	€ 945,275 Equity 2024: € 945,275 ▲ 58% vs 2023 (€ 596,784) Favourable step	€ 431,686 Equity 2025: € 431,686 ▼ 54% vs 2024 (€ 945,275) Unfavourable step	▼ 54%
Total debts	€ 315,917 Total debts 2022: € 315,917 First fiscal year in the series	€ 92,024 Total debts 2023: € 92,024 ▼ 71% vs 2022 (€ 315,917) Favourable step	€ 753,820 Total debts 2024: € 753,820 ▲ € 661,796 vs 2023 (€ 92,024) Unfavourable step	€ 1,235,102 Total debts 2025: € 1,235,102 ▲ 64% vs 2024 (€ 753,820) Unfavourable step	▲ 64%
Cash	€ 401,209 Cash 2022: € 401,209 First fiscal year in the series	€ 5,932 Cash 2023: € 5,932 ▼ 99% vs 2022 (€ 401,209) Unfavourable step	€ 1,021,333 Cash 2024: € 1,021,333 ▲ € 1 million vs 2023 (€ 5,932) Favourable step	€ 987,229 Cash 2025: € 987,229 ▼ 3% vs 2024 (€ 1,021,333) Unfavourable step	▼ 3%
Land & buildings	€ 120,932 Land & buildings 2022: € 120,932 First fiscal year in the series	€ 116,496 Land & buildings 2023: € 116,496 ▼ 4% vs 2022 (€ 120,932) Unchanged	€ 112,059 Land & buildings 2024: € 112,059 ▼ 4% vs 2023 (€ 116,496) Unchanged	€ 107,623 Land & buildings 2025: € 107,623 ▼ 4% vs 2024 (€ 112,059) Unchanged	▼ 4%
Retained profit	€ 430,835 Retained profit 2022: € 430,835 First fiscal year in the series	€ 575,140 Retained profit 2023: € 575,140 ▲ 33% vs 2022 (€ 430,835) Favourable step	€ 923,632 Retained profit 2024: € 923,632 ▲ 61% vs 2023 (€ 575,140) Favourable step	€ 410,043 Retained profit 2025: € 410,043 ▼ 56% vs 2024 (€ 923,632) Unfavourable step	▼ 56%
Dividend	€ 150,000 Dividend 2022: € 150,000 First fiscal year in the series	€ 0 Dividend 2023: € 0 ▼ 100% vs 2022 (€ 150,000) Unchanged	€ 300,000 Dividend 2024: € 300,000 Unchanged (€ 0) Unchanged	€ 1,717,181 Dividend 2025: € 1,717,181 ▲ € 1.4 million vs 2024 (€ 300,000) Unchanged	▲ € 1.4 million
Bank debt	€ 22,992 Bank debt 2022: € 22,992 First fiscal year in the series	€ 16,888 Bank debt 2023: € 16,888 ▼ 27% vs 2022 (€ 22,992) Favourable step	€ 10,660 Bank debt 2024: € 10,660 ▼ 37% vs 2023 (€ 16,888) Favourable step	€ 129,307 Bank debt 2025: € 129,307 ▲ € 118,647 vs 2024 (€ 10,660) Unfavourable step	▲ € 118,647
Balance sheet total	€ 766,310 Balance sheet total 2022: € 766,310 First fiscal year in the series	€ 688,807 Balance sheet total 2023: € 688,807 ▼ 10% vs 2022 (€ 766,310) Unchanged	€ 1,699,095 Balance sheet total 2024: € 1,699,095 ▲ 147% vs 2023 (€ 688,807) Unchanged	€ 1,666,788 Balance sheet total 2025: € 1,666,788 ▼ 2% vs 2024 (€ 1,699,095) Unchanged	▼ 2%
Employees (FTE)	3.7 Employees (FTE) 2022: 3.7 First fiscal year in the series	4.6 Employees (FTE) 2023: 4.6 ▲ 0.9 vs 2022 (3.7) Unchanged	5 Employees (FTE) 2024: 5 ▲ 0.4 vs 2023 (4.6) Unchanged	5.8 Employees (FTE) 2025: 5.8 ▲ 0.8 vs 2024 (5) Unchanged	▲ 0.8

Key figures of Nivelles Finances, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.

What happened to Nivelles Finances?

What happened at Nivelles Finances in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jun 22, 2026 New annual accounts for financial year 2025: profit of € 1.2 million (▲ 86% vs 2024). Source: NBB ↗
Oct 19, 2012 New establishment in Nivelles. KBO
Oct 1, 2012 Start of the company according to the CBE. KBO

In short

From € 270,737 profit in 2022 to € 1.2 million profit in 2025.

Paid € 344,853 in corporate taxes since 2022.

Best year ever: 2025, with € 1.2 million profit.

On average € 299,400 of value added per employee in 2025.

Original PDFs at the National Bank ↗

A new publication or filing at Nivelles Finances? We notify you, reason included.

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My folder 3 companies

De Lijn 8 June 2026 New annual account 2025

filed on 8 June 2026

What was left

€ 20 k ▼ 91%
Money in the bank

€ 178 k ▼ 98%

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NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit

Real filings at the National Bank

Management

GIDEM 40.3%

ROCHER CONSULT 30%

LAMBICONSULT 10%

MELEX 3.6%

The stake of GIDEM, ROCHER CONSULT, LAMBICONSULT, MELEX comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

Nivelles Finances

NIVELLES CONSEILS 100%

Behind Nivelles Finances are ROCHER CONSULT SPRL, AJOVI, MELEX SRL, GIDEM SPRL, LAMBICONSULT SRL and ABR CONSULT. The shares are held by GIDEM (40.3%), ROCHER CONSULT (30%), LAMBICONSULT (10%) and MELEX (3.6%). It owns 100% of NIVELLES CONSEILS itself.

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