EFFICIO BY OLIVIER
ActiveEFFICIO BY OLIVIER has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €-4k. Its solvency ranks better than 75% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▼-85
Solvency100▲+8
Growth32
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 4.66 against 2.98 in 2024; short-term debt: 21.4% and cash: 68.1% of total assets), and 21.4% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
on the day
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€93k▼ 4.1%
2024 · €97k
2024: €97k
2024 → 2025
Total assets
€119k▼ 18.8%
2024 · €146k
2024: €146k
2024 → 2025
Net result
€-4k
2024 · €95k
2024: €95k
2024 → 2025
Working capital
€93k▼ 3.8%
2024 · €96k
2024: €96k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€97k-€93k▼ 4.1%
Operating result€126k-€-905
Net result€95k-€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €905 after €126k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119k
Fixed assets
€354▼ 56.7%
Current assets
€118k▼ 18.6%
Equity and liabilities €119k
Equity
€93k▼ 4.1%
Debt
€25k▼ 48.1%
The debt ratio falls from 33.5% to 21.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-442▼
2024 · €126k
Cash flow
€-3k▼
2024 · €96k
Solvency
78.6%▲
2024 · 66.5%
Current ratio
4.66▲
2024 · 2.98
Quick ratio
4.66▲
2024 · 2.98
Debt / equity
0.27▼
2024 · 0.50
ROE
-4.2%▼
2024 · 97.9%
ROA
-3.3%▼
2024 · 65.1%
Interest coverage
-0.15▼
2024 · 25.68
Debt
€25k▼
2024 · €49k
Debt ≤ 1 year
€25k▼
2024 · €49k
Income taxes
€793▼
2024 · €26k
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€146k€119k▼
Fixed assets21/28€817€354▼
Tangible fixed assets22/27€817€354▼
Furniture and vehicles24€817€354▼
Current assets29/58€145k€118k▼
Amounts receivable within one year40/41€90k€36k▼
Trade receivables40€81k€687▼
Other amounts receivable41€9k€36k▲
Cash at bank and in hand54/58€54k€81k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€146k€119k▼
Equity10/15€97k€93k▼
Contributions10/11€7k€7k=
Profit (loss) carried forward14€90k€86k▼
Amounts payable17/49€49k€25k▼
Amounts payable within one year42/48€49k€25k▼
Trade debts44€409-
Suppliers440/4€409-
Taxes, remuneration and social security45€43k€25k▼
Taxes450/3€43k€25k▼
Other amounts payable47/48€5k€640▼
Accrued charges and deferred income492/3€132-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€573€463▼
Other operating charges640/8€4k€1k▼
Gross operating margin9900€130k€831▼
Operating profit (loss)9901€126k€-905▼
Financial income75/76B€115€768▲
Recurring financial income75€115€768▲
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€121k€-3k▼
Income taxes67/77€26k€793▼
Profit (loss) for the period9904€95k€-4k▼
Profit (loss) for the period to be appropriated9905€95k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€95k€86k▼
Profit (loss) brought forward from the previous period14P-€90k
Profit to be distributed694/7€5k-
Directors or managers695€5k-
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Gembloux · 1 establishment unit since 2023
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 Florival, Isnes 35032 GemblouxGround area
830 m²
Building footprint
91 m²
Volume, LiDAR
632 m³
Parcel 92065B0083/00T000, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EFFICIO BY OLIVIER
since 20232.349.523.409
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92065B0083/00T000 | Wallonia | 830 m² | 1 · 91 m² | 9.4 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.
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BE 1018.991.829
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VBM CONSULTING
BE 0759.695.981
Zemst · Eq €93k
GUY DEWIL
BE 0879.488.112
Glabbeek · Eq €93k
Dennis Matthijs
BE 1010.581.632
Nijlen · Eq €93k
Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 40,484 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-07-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
56210Event catering
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
78100Employment placement agencies
82990Other business support services
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:efficiomanagement@gmail.com