O & L
ActiveO & L is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €500k and a net result of €91k. Equity is growing by ~33.6% per year across the filed fiscal years. Its solvency ranks better than 90% of 5485 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 19-03-2026, 42 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
42 d early
2024
50 d early
2023
49 d early
2022
38 d early
2021
52 d early
2020
56 d early
2019
55 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
11-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€500k▲ 22.2%
2024 · €409k
2018: €87k
2019: €84k
2020: €110k
2021: €144k
2022: €215k
2023: €314k
2024: €409k
2018 → 2025
Net result
€91k▼ 3.7%
2024 · €94k
2018: €21k
2019: €-3k
2020: €26k
2021: €34k
2022: €72k
2023: €99k
2024: €94k
2018 → 2025
Total assets
€525k▲ 23.8%
2024 · €424k
2018: €124k
2019: €91k
2020: €122k
2021: €154k
2022: €229k
2023: €333k
2024: €424k
2018 → 2025
Solvency
95.2%▼ 1.2pp
2024 · 96.4%
2018: 70.2%
2019: 92.2%
2020: 89.8%
2021: 93.4%
2022: 93.9%
2023: 94.4%
2024: 96.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€144k-€215k▲ 49.9%€314k▲ 46.1%€409k▲ 30.0%€500k▲ 22.2%
Operating result€48k-€100k▲ 108%€141k▲ 41.8%€124k▼ 11.9%€120k▼ 3.5%
Net result€34k-€72k▲ 111%€99k▲ 38.6%€94k▼ 4.9%€91k▼ 3.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €525k
Fixed assets
€1k▲ 60.5%
Current assets
€524k▲ 23.7%
Equity and liabilities €525k
Equity
€500k▲ 22.2%
Debt
€25k▲ 64.4%
The debt ratio rises from 3.6% to 4.8%: debt grows faster than equity.
Key figures and ratios
Solvency
95.2%▼
2024 · 96.4%
ROE
18.2%▼
2024 · 23.1%
ROA
17.3%▼
2024 · 22.3%
Debt
€25k▲
2024 · €15k
Debt ≤ 1 year
€25k▲
2024 · €15k
Income taxes
€39k▲
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€424k€525k▲
Fixed assets21/28€700€1k▲
Tangible fixed assets22/27€700€1k▲
Furniture and vehicles24€700€1k▲
Current assets29/58€423k€524k▲
Current investments50/53€405k€422k▲
Cash at bank and in hand54/58€17k€100k▲
Deferred charges and accrued income490/1€924€752▼
Equity and liabilities
Total equity and liabilities10/49€424k€525k▲
Equity10/15€409k€500k▲
Contributions10/11€19k€19k=
Reserves13€388k€477k▲
Distributable reserves133€388k€477k▲
Profit (loss) carried forward14€3k€4k▲
Amounts payable17/49€15k€25k▲
Amounts payable within one year42/48€15k€25k▲
Trade debts44€426€500▲
Suppliers440/4€426€500▲
Taxes, remuneration and social security45€15k€24k▲
Taxes450/3€15k€24k▲
Other amounts payable47/48€177€187▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€490€490=
Other operating charges640/8€883€919▲
Gross operating margin9900€126k€121k▼
Operating profit (loss)9901€124k€120k▼
Financial income75/76B€9k€10k▲
Recurring financial income75€9k€10k▲
Financial charges65/66B€56€63▲
Recurring financial charges65€56€63▲
Profit (loss) for the period before taxes9903€133k€130k▼
Income taxes67/77€39k€39k▲
Profit (loss) for the period9904€94k€91k▼
Profit (loss) for the period to be appropriated9905€94k€91k▼
Appropriation of the result
Profit (loss) to be appropriated9906€96k€94k▼
Profit (loss) brought forward from the previous period14P€1k€3k▲
Transfer to equity691/2€93k€90k▼
To other reserves6921€93k€90k▼
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
19-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
11-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Highest result since 2018net €99k ▲38.6%
Operating result €141k, net result €99k, both a record.
23-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Equity above €200kEq €215k ▲49.9%
3 profitable years in a row build equity to €215k.
09-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
05-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
30-09
Financial
Equity above €100kEq €110k ▲31.2%
Equity rises from €84k to €110k.
06-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Weakest financial yearnet €-3k ▼116%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity quadruplescurrent ratio 10.71
Current ratio from 2.72 to 10.71; short-term debt falls from €37k to €7k.
11-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
08-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
Rossaert Dietwin
CurrentNon-statutory director · since 23-03-2023
23-03-2023
Resigned as Manager
23-03-2023
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Kapellen · 1 establishment unit since 2016
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.
Poeldreef 522950 KapellenGround area
713 m²
Building footprint
178 m²
Parcel 11362M0182/00C002, Flanders. Linked by address, not a title deed.
1 establishment unit
O & L
since 20162.254.376.307
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11362M0182/00C002 | Flanders | 713 m² | 1 · 178 m² | - |
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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Of 24,639 companies in sector 64210 we hold annual accounts for 19,694. 13,569 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-06-2016
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.