O.B. Services
ActiveO.B. Services has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €207k and a net result of €27k. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 71% of 4575 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+4
Solvency85▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.26 against 1.82 in 2024; short-term debt: 39.4% and cash: 40.7% of total assets), and 39.9% 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 49
Relative position
BE, all sectors
reference
Sector 49
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
60.1%
Return on assets
7.8%
Age of the figures
9 mo
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
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
30 d late
2022
30 d late
2021
31 d late
2020
286 d late
2019
31 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€207k▲ 14.9%
2024 · €180k
2018: €47k
2019: €55k
2020: €98k
2021: €160k
2022: €164k
2023: €164k
2024: €180k
2018 → 2025
Total assets
€345k▼ 1.4%
2024 · €350k
2018: €196k
2019: €185k
2020: €281k
2021: €325k
2022: €275k
2023: €316k
2024: €350k
2018 → 2025
Net result
€27k▲ 65.9%
2024 · €16k
2018: €7k
2019: €8k
2020: €43k
2021: €62k
2022: €4k
2023: €318
2024: €16k
2018 → 2025
Working capital
€171k▲ 26.4%
2024 · €135k
2018: €47k
2019: €55k
2020: €96k
2021: €159k
2022: €157k
2023: €136k
2024: €135k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€160k-€164k▲ 2.3%€164k▲ 0.2%€180k▲ 9.9%€207k▲ 14.9%
Operating result€91k-€7k▼ 92.1%€13k▲ 78.1%€30k▲ 136%€47k▲ 55.5%
Net result€62k-€4k▼ 94.1%€318▼ 91.3%€16k▲ 5,011%€27k▲ 65.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 55% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €345k
Fixed assets
€38k▼ 22.7%
Current assets
€307k▲ 2.1%
Equity and liabilities €345k
Equity
€207k▲ 14.9%
Debt
€138k▼ 18.8%
The debt ratio falls from 48.4% to 39.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€64k▲
2024 · €45k
Cash flow
€44k▲
2024 · €31k
Solvency
60.1%▲
2024 · 51.6%
Current ratio
2.26▲
2024 · 1.82
Quick ratio
1.86▲
2024 · 1.31
Debt / equity
0.66▼
2024 · 0.94
ROE
13.0%▲
2024 · 9.0%
ROA
7.8%▲
2024 · 4.6%
Interest coverage
12.42▲
2024 · 8.66
Debt
€138k▼
2024 · €170k
Debt ≤ 1 year
€136k▼
2024 · €165k
Income taxes
€15k▲
2024 · €10k
Staff costs
€186k▼
2024 · €200k
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€350k€345k▼
Fixed assets21/28€49k€38k▼
Tangible fixed assets22/27€49k€38k▼
Plant, machinery and equipment23€18k€17k▼
Furniture and vehicles24€31k€21k▼
Financial fixed assets28€110€110=
Current assets29/58€301k€307k▲
Stocks and contracts in progress3€84k€54k▼
Stocks30/36€84k€54k▼
Amounts receivable within one year40/41€86k€110k▲
Trade receivables40€162€5k▲
Other amounts receivable41€86k€105k▲
Cash at bank and in hand54/58€124k€141k▲
Deferred charges and accrued income490/1€7k€2k▼
Equity and liabilities
Total equity and liabilities10/49€350k€345k▼
Equity10/15€180k€207k▲
Contributions10/11€6k€6k=
Reserves13€127k€154k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€125k€152k▲
Profit (loss) carried forward14€47k€47k=
Amounts payable17/49€170k€138k▼
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€165k€136k▼
Current portion of amounts payable after more than one year42€16k€4k▼
Trade debts44€95k€85k▼
Suppliers440/4€95k€85k▼
Taxes, remuneration and social security45€54k€47k▼
Taxes450/3€11k€26k▲
Remuneration and social security454/9€43k€22k▼
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€200k€186k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€17k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€9k-
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A-€7k
Gross operating margin9900€256k€259k▲
Operating profit (loss)9901€30k€47k▲
Financial income75/76B€1k€445▼
Recurring financial income75€1k€445▼
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€26k€42k▲
Income taxes67/77€10k€15k▲
Profit (loss) for the period9904€16k€27k▲
Profit (loss) for the period to be appropriated9905€16k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€63k€74k▲
Profit (loss) brought forward from the previous period14P€47k€47k=
Transfer to equity691/2€16k€27k▲
To other reserves6921€16k€27k▲
The notes to these accounts (6 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
31-12
Financial
Equity above €200kEq €207k ▲14.9%
8 profitable years in a row build equity to €207k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €318 ▼91.3%
Net result drops to €318, the lowest in the series; recovery starts the following year.
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
13-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 286 days late
2021
31-12
Financial
Highest result since 2018net €62k ▲43.4%
Operating result €91k, net result €62k, both a record.
31-12
Financial
Equity above €150kEq €160k ▲63.4%
4 profitable years in a row build equity to €160k.
04-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 523 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2018
25-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 86 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
5 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, Overijse · 1 establishment unit since 2011
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.
Vlierbeekberg 2693090 OverijseGround area
1,751 m²
Building footprint
264 m²
Volume, LiDAR
1,609 m³
2 parcels, Brussels, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
O.B. SERVICES
since 20112.202.174.172
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062M0636/00E000 | Flanders | 1,114 m² | 1 · 120 m² | 9.3 m · 2 fl. |
| 21614E0046/00K005 | Brussels | 636 m² | 1 · 144 m² | 10.0 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteUkkel2.202.174.172
Similar companies · same sector, comparable size
BEGOIS J. & ZONEN
BE 0478.247.117
Grobbendonk · Eq €183k
HH-888
BE 0670.691.751
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DELLAN & Co
BE 0475.248.629
Soignies · Eq €250k
WELBEN TRANSPORT
BE 0676.801.860
Elsene · Eq €157k
VDM
BE 0877.937.003
Peer · Eq €285k
Of 103 companies in sector 49500 we hold annual accounts for 72. 53 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-08-2011
Fiscal year end31-12
Activities, NACEBEL
47300Retail sale of automotive fuel
49500Land transport and transport via pipelines
95316Washing and cleaning of motor vehicles
46810Wholesale of solid, liquid and gaseous fuels and related products
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.