L'OBSIDIENNE
ActiveL'OBSIDIENNE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €395k and a net result of €22k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 91% of 13908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
76
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▲+28
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 17.91 against 8.46 in 2024), and 10.2% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
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
89.8%
Return on assets
5%
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 10-08-2026, 10 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
10 d late
2024
28 d late
2023
51 d late
2022
3 d late
2021
1 d late
2020
18 d late
2019
38 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
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
€22k
2024 · €-10k
2018: €43k
2019: €-56
2020: €33k
2021: €56k
2022: €14k
2023: €36k
2024: €-10k
2018 → 2025
Working capital
€219k▲ 34.4%
2024 · €163k
2018: €56k
2019: €30k
2020: €48k
2021: €101k
2022: €126k
2023: €168k
2024: €163k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€333k-€347k▲ 4.1%€383k▲ 10.4%€375k▼ 1.9%€395k▲ 5.3%
Operating result€52k-€14k▼ 73.1%€36k▲ 158%€-9k€-25k▼ 162%
Net result€56k-€14k▼ 75.6%€36k▲ 162%€-10k€22k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €25k in 2025 against €9k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €440k
Fixed assets
€208k▼ 4.9%
Current assets
€232k▲ 25.5%
Equity and liabilities €440k
Equity
€395k▲ 5.3%
Provisions
€5k
Debt
€40k▲ 41.0%
The debt ratio rises from 7.0% to 9.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€-9k▼
2024 · €8k
Cash flow
€38k▲
2024 · €7k
Solvency
89.8%▼
2024 · 93.0%
Current ratio
17.91▲
2024 · 8.46
Quick ratio
17.91▲
2024 · 7.20
Debt / equity
0.10▲
2024 · 0.08
ROE
5.6%▲
2024 · -2.6%
ROA
5.0%▲
2024 · -2.4%
Interest coverage
-22.73▼
2024 · 20.51
Debt
€40k▲
2024 · €28k
Debt ≤ 1 year
€13k▼
2024 · €22k
Debt > 1 year
€7k=
2024 · €7k
Staff costs
€35k▼
2024 · €42k
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€404k€440k▲
Fixed assets21/28€219k€208k▼
Tangible fixed assets22/27€219k€208k▼
Land and buildings22€216k€206k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€2k€975▼
Financial fixed assets28€202€202=
Current assets29/58€185k€232k▲
Stocks and contracts in progress3€28k-
Stocks30/36€28k-
Amounts receivable within one year40/41€121k€162k▲
Trade receivables40€18k-
Other amounts receivable41€102k€162k▲
Cash at bank and in hand54/58€36k€70k▲
Equity and liabilities
Total equity and liabilities10/49€404k€440k▲
Equity10/15€375k€395k▲
Contributions10/11€360k€360k=
Capital10€360k-
Issued capital100€360k-
Reserves13€30k€30k=
Non-distributable reserves130/1€30k€30k=
Legal reserve130€30k-
Other1319-€30k
Profit (loss) carried forward14€-15k€5k▲
Provisions and deferred taxes16-€5k
Provisions for liabilities and charges160/5-€5k
Other liabilities and charges164/5-€5k
Amounts payable17/49€28k€40k▲
Amounts payable after more than one year17€7k€7k=
Other amounts payable178/9€7k€7k=
Amounts payable within one year42/48€22k€13k▼
Trade debts44€15k€3k▼
Suppliers440/4€15k€3k▼
Taxes, remuneration and social security45€7k€9k▲
Taxes450/3€506€995▲
Remuneration and social security454/9€7k€8k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3-€21k
Income statement
Code20242025
Remuneration, social security and pensions62€42k€35k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€16k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8-€5k
Other operating charges640/8€54k€51k▼
Gross operating margin9900€103k€83k▼
Operating profit (loss)9901€-9k€-25k▼
Financial income75/76B€30€47k▲
Recurring financial income75€30€47k▲
Non-recurring financial income76B-€47k
Financial charges65/66B€367€381▲
Recurring financial charges65€367€381▲
Profit (loss) for the period before taxes9903€-10k€22k▲
Profit (loss) for the period9904€-10k€22k▲
Profit (loss) for the period to be appropriated9905€-10k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€5k▲
Profit (loss) brought forward from the previous period14P€-5k€-17k▼
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (12 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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 17.91
Current ratio from 8.46 to 17.91; short-term debt falls from €22k to €13k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-10k ▼127%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 51 days late
2023
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 3 days late
2022
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 1 day late
2021
31-12
Financial
Highest result since 2018net €56k ▲71.2%
Operating result €52k, net result €56k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 4.56
Current ratio from 1.56 to 4.56; short-term debt falls from €86k to €28k.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 18 days late
2020
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 38 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Elsene · 1 establishment unit since 1997
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.
Louizalaan 1871050 ElseneGround area
246 m²
Building footprint
182 m²
Volume, LiDAR
3,716 m³
Parcel 21807G0115/00Z005, Brussels · tallest building 28.9 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Louizalaan 187, 1050 Brussel
since 19972.081.697.105
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0115/00Z005 | Brussels | 246 m² | 1 · 182 m² | 28.9 m · 7 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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IMMO BEERSE
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APYMO
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Of 9,095 companies in sector 68201 we hold annual accounts for 6,728. 5,020 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-06-1995
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.