DUMAY OLIVIER
ActiveDUMAY OLIVIER has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €269k and a net result of €24k. Equity is growing by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 47% of 4418 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
74
/ 100
Healthy▲ +12 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▼-4
Solvency60▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 0.87 in 2024), and 61.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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
38.3%
Return on assets
3.4%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
30 d late
2024
21 d late
2023
23 d late
2022
56 d early
2021
52 d early
2020
53 d early
2019
45 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€24k▼ 0.6%
2024 · €24k
2018: €7k
2019: €6k
2020: €82k
2021: €-10k
2022: €87k
2023: €7k
2024: €24k
2018 → 2025
Working capital
€7k
2024 · €-53k
2018: €-231k
2019: €-226k
2020: €-202k
2021: €-139k
2022: €-187k
2023: €-95k
2024: €-53k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€127k-€214k▲ 68.8%€221k▲ 3.2%€245k▲ 10.9%€269k▲ 9.8%
Operating result€-12k-€92k€12k▼ 86.8%€30k▲ 147%€29k▼ 2.3%
Net result€-10k-€87k€7k▼ 92.1%€24k▲ 251%€24k▼ 0.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €701k
Fixed assets
€261k▼ 12.3%
Current assets
€439k▲ 27.0%
Equity and liabilities €701k
Equity
€269k▲ 9.8%
Debt
€432k▲ 8.2%
The debt ratio falls from 62.0% to 61.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€167k▲
2024 · €149k
Cash flow
€162k▲
2024 · €143k
Solvency
38.3%▲
2024 · 38.0%
Current ratio
1.02▲
2024 · 0.87
Quick ratio
1.02▲
2024 · 0.87
Debt / equity
1.61▼
2024 · 1.63
ROE
8.9%▼
2024 · 9.9%
ROA
3.4%▼
2024 · 3.7%
Interest coverage
1223.60▲
2024 · 263.64
Debt
€432k▲
2024 · €399k
Debt ≤ 1 year
€432k▲
2024 · €399k
Income taxes
€6k▼
2024 · €6k
Staff costs
€396▼
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€644k€701k▲
Fixed assets21/28€298k€261k▼
Tangible fixed assets22/27€298k€261k▼
Plant, machinery and equipment23€179k€192k▲
Furniture and vehicles24€119k€69k▼
Financial fixed assets28€160€160=
Current assets29/58€346k€439k▲
Stocks and contracts in progress3€526€642▲
Stocks30/36€526€642▲
Amounts receivable within one year40/41€45k€60k▲
Trade receivables40€12k€7k▼
Other amounts receivable41€34k€53k▲
Current investments50/53€50k€50k=
Cash at bank and in hand54/58€246k€327k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€644k€701k▲
Equity10/15€245k€269k▲
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€223k€247k▲
Amounts payable17/49€399k€432k▲
Amounts payable within one year42/48€399k€432k▲
Trade debts44€51k€80k▲
Suppliers440/4€51k€80k▲
Taxes, remuneration and social security45€13k€16k▲
Taxes450/3€13k€13k▲
Remuneration and social security454/9€91€3k▲
Other amounts payable47/48€335k€336k▲
Income statement
Code20242025
Non-recurring operating income76A-€53k
Remuneration, social security and pensions62€2k€396▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€119k€138k▲
Other operating charges640/8€4k€6k▲
Gross operating margin9900€154k€174k▲
Operating profit (loss)9901€30k€29k▼
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€565€137▼
Recurring financial charges65€565€137▼
Profit (loss) for the period before taxes9903€31k€30k▼
Income taxes67/77€6k€6k▼
Profit (loss) for the period9904€24k€24k▼
Profit (loss) for the period to be appropriated9905€24k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€223k€247k▲
Profit (loss) brought forward from the previous period14P€199k€223k▲
The notes to these accounts (8 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €87k
Net result €87k after one loss-making year.
31-12
Financial
Equity above €200kEq €214k ▲68.8%
Equity rises from €127k to €214k.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-10k ▼113%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €100kEq €137k ▲149%
3 profitable years in a row build equity to €137k.
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Genappe · 1 establishment unit since 2015
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.
Rue de Glabais 71474 GenappeGround area
1,313 m²
Building footprint
452 m²
Volume, LiDAR
2,094 m³
Parcel 25113C0165/00G000, Wallonia · tallest building 5.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DUMAY OLIVIER
since 20152.248.369.631
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25113C0165/00G000 | Wallonia | 1,313 m² | 1 · 452 m² | 5.9 m · 2 fl. |
Linked by address, not proof of ownership
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.
Recognitions · licences · registrations
Recognised contractor
1 categoryDUMAY OLIVIER SRL44387
Similar companies · same sector, comparable size
unik-id
BE 0666.907.563
Boortmeerbeek · Eq €269k
HORTUS GANDA
BE 0893.655.555
Gavere · Eq €269k
LUVACO
BE 0478.699.651
Hasselt · Eq €268k
PWL Construct
BE 0669.746.396
Herselt · Eq €268k
AGRO CONSULTING & SERVICES
BE 0871.459.381
Tongeren-Borgloon · Eq €269k
Of 21,161 companies in sector 81300 we hold annual accounts for 4,347. 3,185 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-12-2015
Fiscal year end31-12
Activities, NACEBEL
81300Landscape service activities
42212Civil engineering
43120Site preparation
45204
81210General cleaning of buildings
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:dumregis@hotmail.com
Phone:0475/520.751