Johan Van Obbergen
ActiveJohan Van Obbergen has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €-58k. Equity is shrinking by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 18% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
33
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-4
Solvency40▼-11
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.16 against 1.32 in 2024; short-term debt: 84.8% and cash: 2.2% of total assets), and 84.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
15.2%
Return on assets
-11.6%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-58k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
30 d late
2023
99 d late
2022
30 d late
2021
31 d late
2020
47 d late
2019
41 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€76k▼ 43.3%
2024 · €134k
2018: €161k
2019: €133k
2020: €90k
2021: €128k
2022: €125k
2023: €178k
2024: €134k
2018 → 2025
Total assets
€497k▼ 2.2%
2024 · €508k
2018: €359k
2019: €203k
2020: €168k
2021: €214k
2022: €367k
2023: €532k
2024: €508k
2018 → 2025
Net result
€-58k▼ 29.0%
2024 · €-45k
2018: €20k
2019: €-28k
2020: €-43k
2021: €38k
2022: €-3k
2023: €70k
2024: €-45k
2018 → 2025
Working capital
€65k▼ 45.8%
2024 · €121k
2018: €103k
2019: €60k
2020: €41k
2021: €92k
2022: €101k
2023: €162k
2024: €121k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€128k-€125k▼ 2.4%€178k▲ 42.5%€134k▼ 25.1%€76k▼ 43.3%
Operating result€44k-€-191€105k€-6k€-34k▼ 476%
Net result€38k-€-3k€70k€-45k€-58k▼ 29.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €34k in 2025 against €6k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €497k
Fixed assets
€10k▼ 25.4%
Current assets
€487k▼ 1.6%
Equity and liabilities €497k
Equity
€76k▼ 43.3%
Debt
€421k▲ 12.4%
The debt ratio rises from 73.7% to 84.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-30k▼
2024 · €-1k
Cash flow
€-53k▼
2024 · €-40k
Solvency
15.2%▼
2024 · 26.3%
Current ratio
1.16▼
2024 · 1.32
Quick ratio
0.05▲
2024 · 0.03
Debt / equity
5.56▲
2024 · 2.81
ROE
-76.3%▼
2024 · -33.5%
ROA
-11.6%▼
2024 · -8.8%
Interest coverage
-1.27▼
2024 · -0.03
Debt
€421k▲
2024 · €375k
Debt ≤ 1 year
€421k▲
2024 · €374k
Debt > 1 year
€0▼
2024 · €1k
Income taxes
€319▲
2024 · €287
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€508k€497k▼
Fixed assets21/28€14k€10k▼
Tangible fixed assets22/27€14k€10k▼
Plant, machinery and equipment23€478€0▼
Furniture and vehicles24€397€1k▲
Other tangible fixed assets26€13k€9k▼
Current assets29/58€494k€487k▼
Stocks and contracts in progress3€482k€465k▼
Stocks30/36€482k€465k▼
Amounts receivable within one year40/41€12k€8k▼
Trade receivables40€9k€4k▼
Other amounts receivable41€2k€4k▲
Cash at bank and in hand54/58€0€11k▲
Deferred charges and accrued income490/1€781€2k▲
Equity and liabilities
Total equity and liabilities10/49€508k€497k▼
Equity10/15€134k€76k▼
Contributions10/11€12k€12k=
Reserves13€159k€159k=
Distributable reserves133€159k€159k=
Profit (loss) carried forward14€-38k€-96k▼
Amounts payable17/49€375k€421k▲
Amounts payable after more than one year17€1k€0▼
Financial debts170/4€1k€0▼
Amounts payable within one year42/48€374k€421k▲
Current portion of amounts payable after more than one year42€342k€20k▼
Trade debts44€9k€2k▼
Suppliers440/4€9k€2k▼
Taxes, remuneration and social security45€16k€319▼
Taxes450/3€16k€319▼
Other amounts payable47/48€7k€399k▲
Income statement
Code20242025
Non-recurring operating income76A€3k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€2k€-26k▼
Operating profit (loss)9901€-6k€-34k▼
Financial income75/76B€177€287▲
Recurring financial income75€177€287▲
Financial charges65/66B€39k€23k▼
Recurring financial charges65€39k€23k▼
Profit (loss) for the period before taxes9903€-45k€-57k▼
Income taxes67/77€287€319▲
Profit (loss) for the period9904€-45k€-58k▼
Profit (loss) for the period to be appropriated9905€-45k€-58k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-38k€-96k▼
Profit (loss) brought forward from the previous period14P€7k€-38k▼
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€0-
Directors or managers695€0-
The notes to these accounts (9 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-58k
Net result drops to €-58k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
07-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 99 days late
2023
31-12
Financial
Back to profitnet €70k
Net result €70k after one loss-making year.
31-12
Financial
Equity above €150kEq €178k ▲42.5%
Equity rises from €125k to €178k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €38k
Net result €38k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €128k ▲42.3%
Equity rises from €90k to €128k.
16-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 47 days late
2020
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 53 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2022
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
21-10-2022
Resigned as Director
Location & real-estate footprint
Registered office, Leuven · 1 establishment unit since 2017
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.
Richard Valvekensstraat 473010 LeuvenGround area
2,815 m²
Building footprint
488 m²
Volume, LiDAR
2,990 m³
2 parcels, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Johan Van Obbergen
since 20172.276.336.909
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24066B0157/00N000 | Flanders | 2,417 m² | 1 · 406 m² | 11.4 m · 2 fl. |
| 24483E0034/00B010 | Flanders | 398 m² | 1 · 82 m² | 9.8 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 245 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 245 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,790 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-2008
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43240Other construction installation
43299Specialised construction activities
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.
Contact details
1 entryPhone:0494/30.50.88