Summary
OBECO 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 €156,168 and a net result of €14,801. Equity is growing by ~59.1% per year across the filed fiscal years. Its solvency ranks better than 19% of 8091 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 8091 sector peers (2025).
NBB · sector comparisonPosition among 8091 sector peers
Solvency
better than 19%
← 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 29-07-2026, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
2 d early
2024
61 d late
2023
70 d late
2022
66 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 49 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 3 October (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€156,168▲ 10.5%
2024 · €141,368
Net result
€14,801▼ 85.3%
2024 · €100,572
Total assets
€1.2m▲ 0.6%
2024 · €1.1m
Solvency
13.6%▲ 1.2pp
2024 · 12.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result-€11,219-€58,089€142,488▲ 145%€153,096▲ 7.4%
Net result-€25,567below the sector's middle half-€34,762within the sector's middle half€100,572above the sector's middle half▲ 189%€14,801within the sector's middle half▼ 85.3%
Equity€6,033below the sector's middle half-€40,795within the sector's middle half▲ 576%€141,368within the sector's middle half▲ 247%€156,168within the sector's middle half▲ 10.5%
Total assets€1.0mwithin the sector's middle half-€1.1mabove the sector's middle half▲ 6.9%€1.1mabove the sector's middle half▲ 4.5%€1.2mabove the sector's middle half▲ 0.6%
Debt€1.0m-€1.1m▲ 3.5%€1.0m▼ 4.8%€995,129▼ 0.7%
Working capital-€163,095within the sector's middle half--€163,000below the sector's middle half▲ 0.1%-€128,346below the sector's middle half▲ 21.3%-€102,835below the sector's middle half▲ 19.9%
Solvency0.6%below the sector's middle half-3.7%below the sector's middle half▲ 3.1pp12.4%below the sector's middle half▲ 8.6pp13.6%below the sector's middle half▲ 1.2pp
Current ratio0.29below the sector's middle half-0.18below the sector's middle half▼ 0.110.33below the sector's middle half▲ 0.150.54below the sector's middle half▲ 0.21
Return on assets (ROA)-2.5%below the sector's middle half-3.2%within the sector's middle half▲ 5.7pp8.8%within the sector's middle half▲ 5.6pp1.3%below the sector's middle half▼ 7.5pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.2m
Fixed assets
€1.0m ▼ 4.7%
Current assets
€122,257 ▲ 91.0%
Equity and liabilities €1.2m
Equity
€156,168 ▲ 10.5%
Debt
€995,129 ▼ 0.7%
Debt's share of the balance-sheet total falls from 87.6% to 86.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
9.5%▼
2024 · 71.1%
Debt ≤ 1 year
€225,092▲
2024 · €192,343
Debt > 1 year
€766,866▼
2024 · €810,225
Income taxes
€37,982▼
2024 · €42,742
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,949 | €15,287 | €16,755 | €19,167 | ▲ 14.4% |
| Other operating charges640/8 | €3,290 | €5,971 | €6,800 | €7,315 | ▲ 7.6% |
| Gross operating margin9900 | €20 | €79,346 | €166,044 | €179,578 | ▲ 8.2% |
| Operating profit (loss)9901 | -€11,219 | €58,089 | €142,488 | €153,096 | ▲ 7.4% |
| Financial income75/76B | €1 | €3 | €21,004 | €587 | ▼ 97.2% |
| Recurring financial income75 | €1 | €3 | €206 | €587 | ▲ 185% |
| Non-recurring financial income76B | - | - | €20,799 | €0 | ▼ 100% |
| Financial charges65/66B | €14,348 | €16,554 | €20,178 | €100,900 | ▲ 400% |
| Recurring financial charges65 | €14,348 | €16,554 | €20,178 | €23,521 | ▲ 16.6% |
| Non-recurring financial charges66B | - | - | - | €77,378 | - |
| Profit (loss) for the period before taxes9903 | -€25,567 | €41,537 | €143,315 | €52,782 | ▼ 63.2% |
| Income taxes67/77 | - | €6,775 | €42,742 | €37,982 | ▼ 11.1% |
| Profit (loss) for the period9904 | -€25,567 | €34,762 | €100,572 | €14,801 | ▼ 85.3% |
| Profit (loss) for the period to be appropriated9905 | -€25,567 | €34,762 | €100,572 | €14,801 | ▼ 85.3% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €1.0m | €1.1m | €1.1m | €1.2m | ▲ 0.6% |
| Fixed assets21/28 | €956,346 | €1.1m | €1.1m | €1.0m | ▼ 4.7% |
| Tangible fixed assets22/27 | €785,946 | €778,003 | €765,790 | €759,346 | ▼ 0.8% |
| Land and buildings22 | €784,576 | €769,996 | €755,416 | €740,836 | ▼ 1.9% |
| Plant, machinery and equipment23 | - | €3,281 | €7,171 | €11,388 | ▲ 58.8% |
| Furniture and vehicles24 | €1,370 | €4,726 | €3,203 | €7,123 | ▲ 122% |
| Financial fixed assets28 | €170,400 | €280,853 | €314,149 | €269,694 | ▼ 14.2% |
| Current assets29/58 | €67,938 | €35,598 | €63,997 | €122,257 | ▲ 91.0% |
| Amounts receivable within one year40/41 | €12,194 | €31,752 | €41,990 | €74,423 | ▲ 77.2% |
| Trade receivables40 | €12,194 | €15,752 | €20,419 | €53,423 | ▲ 162% |
| Other amounts receivable41 | - | €16,000 | €21,571 | €21,000 | ▼ 2.6% |
| Cash at bank and in hand54/58 | €55,744 | €2,732 | €10,886 | €40,784 | ▲ 275% |
| Deferred charges and accrued income490/1 | - | €1,114 | €11,120 | €7,050 | ▼ 36.6% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €1.0m | €1.1m | €1.1m | €1.2m | ▲ 0.6% |
| Equity10/15 | €6,033 | €40,795 | €141,368 | €156,168 | ▲ 10.5% |
| Contributions10/11 | €31,600 | €31,600 | €31,600 | €31,600 | = |
| Reserves13 | - | - | €100,572 | €115,373 | ▲ 14.7% |
| Distributable reserves133 | - | - | €100,572 | €115,373 | ▲ 14.7% |
| Profit (loss) carried forward14 | -€25,567 | €9,195 | €9,195 | €9,195 | = |
| Amounts payable17/49 | €1.0m | €1.1m | €1.0m | €995,129 | ▼ 0.7% |
| Amounts payable after more than one year17 | €787,217 | €855,062 | €810,225 | €766,866 | ▼ 5.4% |
| Financial debts170/4 | €787,217 | €855,062 | €810,225 | €766,866 | ▼ 5.4% |
| Amounts payable within one year42/48 | €231,034 | €198,598 | €192,343 | €225,092 | ▲ 17.0% |
| Current portion of amounts payable after more than one year42 | €52,470 | €69,713 | €75,394 | €84,618 | ▲ 12.2% |
| Trade debts44 | €7,274 | €21,499 | €3,394 | €14,417 | ▲ 325% |
| Suppliers440/4 | €7,274 | €21,499 | €3,394 | €14,417 | ▲ 325% |
| Taxes, remuneration and social security45 | €6,975 | €12,461 | €57,748 | €92,303 | ▲ 59.8% |
| Taxes450/3 | €5,225 | €12,461 | €57,748 | €90,478 | ▲ 56.7% |
| Remuneration and social security454/9 | €1,750 | €0 | - | €1,825 | - |
| Other amounts payable47/48 | €164,315 | €94,925 | €55,807 | €33,754 | ▼ 39.5% |
| Accrued charges and deferred income492/3 | - | - | - | €3,170 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€25,567 | €34,762 | €100,572 | €14,801 | ▼ 85.3% |
| + Depreciation and write-downs630 | €7,949 | €15,287 | €16,755 | €19,167 | ▲ 14.4% |
| Operating cash flow (approximation) | -€17,618 | €50,049 | €117,328 | €33,968 | ▼ 71.0% |
| Investment in fixed assets (approximation) | - | -€117,798 | -€37,838 | €31,732 | ▲ 184% |
| Change in cash | - | -€53,012 | €8,154 | €29,898 | ▲ 267% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
10-02
State Gazette act
General meeting · Merger
Dissolution · Accounting effect
2025
31-12
Financial
Equity above €150,000Eq €156,168 ▲10.5%
3 profitable years in a row build equity to €156,168.
17-11
State Gazette act
General meeting · Board meeting
Statutes amendment · Corporate purpose
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2022net €100,572 ▲189%
Net result €100,572, the highest in the series.
31-12
Financial
Equity above €100,000Eq €141,368 ▲247%
2 profitable years in a row build equity to €141,368.
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 70 days late
2023
31-12
Financial
Back to profitnet €34,762
Net result €34,762 after one loss-making year.
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 66 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 2021
Ground area
306 m²
Building footprint
112 m²
Volume, LiDAR
952 m³
Parcel 11003A0374/00A000, Flanders · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OBECO
since 20212.319.101.734
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003A0374/00A000 | Flanders | 306 m² | 1 · 112 m² | 9.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
5 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 5
-
52%
-
40%
-
26%
-
26%
-
9.98%
According to the 2025 annual accounts of OBECO and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
The group is listed under Ownership & control below; here you explore it as a network.
This company
Company
Director
Shareholding
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 13,308 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-05-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
68321Property management for co-owned buildings (syndics)
82990Other business support services
Contact
E-mail
ob@obeco.beAntwerpen
Phone
03/239.04.09Antwerpen
E-invoicing
Reachable via Peppol
Peppol ID
0208:0768647596
Also
9925:BE0768647596
Registered
14-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.