O'CAPPA
ActiveO'CAPPA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €372k and a net result of €103k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 89% of 9520 sector peers (fiscal year 2024). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-06-2025, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
45 d early
2023
41 d early
2022
38 d early
2021
51 d early
2020
24 d early
2019
9 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€372k▲ 38.1%
2023 · €269k
2018: €193k
2019: €194k
2020: €195k
2021: €192k
2022: €210k
2023: €269k
2018 → 2024
Net result
€103k▲ 73.1%
2023 · €59k
2018: €120k
2019: €189k
2020: €35k
2021: €26k
2022: €18k
2023: €59k
2018 → 2024
Total assets
€416k▲ 31.7%
2023 · €316k
2018: €312k
2019: €397k
2020: €238k
2021: €232k
2022: €219k
2023: €316k
2018 → 2024
Solvency
89.4%▲ 4.1pp
2023 · 85.3%
2018: 61.7%
2019: 48.9%
2020: 81.9%
2021: 82.9%
2022: 95.8%
2023: 85.3%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€195k-€192k▼ 1.2%€210k▲ 9.2%€269k▲ 28.2%€372k▲ 38.1%
Operating result€38k-€27k▼ 27.8%€27k▼ 0.5%€87k▲ 224%€149k▲ 70.7%
Net result€35k-€26k▼ 27.5%€18k▼ 30.8%€59k▲ 234%€103k▲ 73.1%
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 two years in a row; 2024 is 71% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €416k
Fixed assets
€28k▼ 27.5%
Current assets
€387k▲ 40.1%
Equity and liabilities €416k
Equity
€372k▲ 38.1%
Debt
€44k▼ 5.3%
The debt ratio falls from 14.7% to 10.6%: equity grows while debt is paid down.
Key figures and ratios
Solvency
89.4%▲
2023 · 85.3%
ROE
27.6%▲
2023 · 22.0%
ROA
24.7%▲
2023 · 18.8%
Debt
€44k▼
2023 · €46k
Debt ≤ 1 year
€43k▼
2023 · €46k
Income taxes
€49k▲
2023 · €29k
Staff costs
€43k▲
2023 · €39k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€316k€416k▲
Fixed assets21/28€39k€28k▼
Tangible fixed assets22/27€39k€28k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€36k€26k▼
Current assets29/58€276k€387k▲
Amounts receivable within one year40/41€17k€5k▼
Trade receivables40€5k€5k▲
Other amounts receivable41€12k-
Current investments50/53-€180k
Cash at bank and in hand54/58€259k€196k▼
Deferred charges and accrued income490/1€223€6k▲
Equity and liabilities
Total equity and liabilities10/49€316k€416k▲
Equity10/15€269k€372k▲
Contributions10/11€137k€137k=
Reserves13€132k€235k▲
Distributable reserves133€132k€235k▲
Amounts payable17/49€46k€44k▼
Amounts payable within one year42/48€46k€43k▼
Current portion of amounts payable after more than one year42€30k€14k▼
Trade debts44€439€140▼
Suppliers440/4€439€140▼
Taxes, remuneration and social security45€15k€29k▲
Taxes450/3€7k€20k▲
Remuneration and social security454/9€8k€9k▲
Other amounts payable47/48€885-
Accrued charges and deferred income492/3-€1k
Income statement
Code20232024
Remuneration, social security and pensions62€39k€43k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€15k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€133k€209k▲
Operating profit (loss)9901€87k€149k▲
Financial income75/76B€777€4k▲
Recurring financial income75€777€4k▲
Financial charges65/66B€386€2k▲
Recurring financial charges65€386€2k▲
Profit (loss) for the period before taxes9903€88k€152k▲
Income taxes67/77€29k€49k▲
Profit (loss) for the period9904€59k€103k▲
Profit (loss) for the period to be appropriated9905€59k€103k▲
Appropriation of the result
Profit (loss) to be appropriated9906€59k€103k▲
Transfer to equity691/2€59k€103k▲
To other reserves6921€59k€103k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €18k ▼30.8%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 23.18
Current ratio from 5.73 to 23.18; short-term debt falls from €40k to €9k.
31-12
Financial
Equity above €200kEq €210k ▲9.2%
5 profitable years in a row build equity to €210k.
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 5.40
Current ratio from 1.94 to 5.40; short-term debt falls from €203k to €43k.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €189k ▲57.4%
Operating result €193k, net result €189k, both a record.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
13-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2023
Luc Hermans
CurrentDirector · since 01-01-2023
01-01-2023
Luc Hermans: Appointed as Director
01-01-2023
BV TROFFEL: Resigned as Director
01-01-2023
Troffel BV: Resigned as Permanent representative
Location & real-estate footprint
Registered office, Bilzen-Hoeselt · 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.
Troffelstraat 263740 Bilzen-HoeseltGround area
3,893 m²
Building footprint
223 m²
Volume, LiDAR
1,301 m³
Parcel 73037B0317/00G000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Troffelstraat 26, 3740 Bilzen-Hoeselt
since 19972.056.761.472
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73037B0317/00G000 | Flanders | 3,893 m² | 1 · 223 m² | 8.7 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 207 EUR awarded · 207 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 207 EUR | 207 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,717 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-03-1992
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74852
82990Other business support services
74300Other professional, scientific and technical activities
74301Translation services
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.