Summary
OBEX 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 €61,445 and a net result of €68,197. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 23% of 8091 sector peers (fiscal year 2025). The company has been active since 2019 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 23% of 8091 sector peers (2025).
NBB · sector comparisonPosition among 8091 sector peers
Solvency
better than 23%
← 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 26-02-2026, 155 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
155 d early
2024
31 d early
2023
28 d late
2022
14 d early
2021
31 d late
2020
11 d early
2019
11 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 23 days before 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 17 July (4 of the last 5 filed years within 45 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
€61,445▼ 40.5%
2024 · €103,213
Net result
€68,197▲ 17.7%
2024 · €57,959
Total assets
€329,142▼ 6.2%
2024 · €350,934
Solvency
18.7%▼ 10.7pp
2024 · 29.4%
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
Line20212022202320242025
Operating result€82,027▲ 35.2%€79,959▼ 2.5%€76,843▼ 3.9%€77,603▲ 1.0%€90,459▲ 16.6%
Net result€56,445within the sector's middle half▲ 35.1%€59,622within the sector's middle half▲ 5.6%€56,930within the sector's middle half▼ 4.5%€57,959within the sector's middle half▲ 1.8%€68,197within the sector's middle half▲ 17.7%
Equity€126,262within the sector's middle half▲ 80.8%€126,262within the sector's middle half=€126,262within the sector's middle half=€103,213within the sector's middle half▼ 18.3%€61,445within the sector's middle half▼ 40.5%
Total assets€356,634within the sector's middle half▲ 245%€379,153within the sector's middle half▲ 6.3%€349,047within the sector's middle half▼ 7.9%€350,934within the sector's middle half▲ 0.5%€329,142within the sector's middle half▼ 6.2%
Debt€230,372▲ 588%€252,891▲ 9.8%€222,785▼ 11.9%€247,721▲ 11.2%€267,697▲ 8.1%
Working capital€28,106within the sector's middle half▼ 51.0%-€30,012below the sector's middle half-€33,447below the sector's middle half▼ 11.4%-€57,271below the sector's middle half▼ 71.2%-€100,399below the sector's middle half▼ 75.3%
Solvency35.4%within the sector's middle half▼ 32.2pp33.3%within the sector's middle half▼ 2.1pp36.2%within the sector's middle half▲ 2.9pp29.4%within the sector's middle half▼ 6.8pp18.7%below the sector's middle half▼ 10.7pp
Current ratio1.38within the sector's middle half▼ 1.350.74within the sector's middle half▼ 0.640.67below the sector's middle half▼ 0.070.60below the sector's middle half▼ 0.070.45below the sector's middle half▼ 0.16
Return on assets (ROA)15.8%within the sector's middle half▼ 24.6pp15.7%within the sector's middle half▼ 0.1pp16.3%within the sector's middle half▲ 0.6pp16.5%within the sector's middle half▲ 0.2pp20.7%within the sector's middle half▲ 4.2pp
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 micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €329,142
Fixed assets
€247,602 ▼ 6.1%
Current assets
€81,540 ▼ 6.5%
Equity and liabilities €329,142
Equity
€61,445 ▼ 40.5%
Debt
€267,697 ▲ 8.1%
Debt's share of the balance-sheet total rises from 70.6% to 81.3%. Equity is lower and debt is higher.
Key figures and ratios
ROE
111.0%▲
2024 · 56.2%
Debt ≤ 1 year
€181,939▲
2024 · €144,511
Debt > 1 year
€85,736▼
2024 · €103,174
Income taxes
€20,052▲
2024 · €16,918
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €13,702 | €0 | - | - |
| Remuneration, social security and pensions62 | €0 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,146 | €15,981 | €18,540 | €19,220 | €20,706 | ▲ 7.7% |
| Other operating charges640/8 | €1,830 | €2,105 | €3,959 | €3,131 | €2,905 | ▼ 7.2% |
| Non-recurring operating charges66A | - | €1,913 | €0 | €488 | €0 | ▼ 100% |
| Gross operating margin9900 | €100,003 | €99,958 | €99,343 | €100,442 | €114,071 | ▲ 13.6% |
| Operating profit (loss)9901 | €82,027 | €79,959 | €76,843 | €77,603 | €90,459 | ▲ 16.6% |
| Financial income75/76B | €23 | €14 | €302 | €44 | €68 | ▲ 53.3% |
| Recurring financial income75 | €23 | €14 | €302 | €44 | €68 | ▲ 53.3% |
| Financial charges65/66B | €1,611 | €2,232 | €3,202 | €2,770 | €2,278 | ▼ 17.8% |
| Recurring financial charges65 | €1,611 | €2,232 | €3,202 | €2,770 | €2,278 | ▼ 17.8% |
| Profit (loss) for the period before taxes9903 | €80,438 | €77,741 | €73,943 | €74,877 | €88,250 | ▲ 17.9% |
| Income taxes67/77 | €23,993 | €18,120 | €17,013 | €16,918 | €20,052 | ▲ 18.5% |
| Profit (loss) for the period9904 | €56,445 | €59,622 | €56,930 | €57,959 | €68,197 | ▲ 17.7% |
| Profit (loss) for the period to be appropriated9905 | €56,445 | €59,622 | €56,930 | €57,959 | €68,197 | ▲ 17.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €356,634 | €379,153 | €349,047 | €350,934 | €329,142 | ▼ 6.2% |
| Fixed assets21/28 | €253,784 | €293,704 | €280,252 | €263,694 | €247,602 | ▼ 6.1% |
| Tangible fixed assets22/27 | €253,775 | €293,697 | €280,252 | €263,694 | €247,602 | ▼ 6.1% |
| Land and buildings22 | €208,204 | €203,797 | €203,651 | €199,112 | €194,573 | ▼ 2.3% |
| Plant, machinery and equipment23 | €19,034 | €58,126 | €53,764 | €47,248 | €41,144 | ▼ 12.9% |
| Furniture and vehicles24 | €26,537 | €31,775 | €22,836 | €17,335 | €11,886 | ▼ 31.4% |
| Financial fixed assets28 | €9 | €6 | €0 | - | - | - |
| Current assets29/58 | €102,850 | €85,450 | €68,796 | €87,240 | €81,540 | ▼ 6.5% |
| Amounts receivable within one year40/41 | €53,898 | €64,933 | €28,830 | €27,451 | €29,411 | ▲ 7.1% |
| Trade receivables40 | €30,819 | €22,894 | €24,267 | €24,010 | €25,001 | ▲ 4.1% |
| Other amounts receivable41 | €23,079 | €42,039 | €4,562 | €3,441 | €4,410 | ▲ 28.2% |
| Current investments50/53 | - | - | €15,008 | €0 | - | - |
| Cash at bank and in hand54/58 | €35,702 | €6,915 | €7,063 | €46,547 | €42,909 | ▼ 7.8% |
| Deferred charges and accrued income490/1 | €13,250 | €13,602 | €17,895 | €13,241 | €9,221 | ▼ 30.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €356,634 | €379,153 | €349,047 | €350,934 | €329,142 | ▼ 6.2% |
| Equity10/15 | €126,262 | €126,262 | €126,262 | €103,213 | €61,445 | ▼ 40.5% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €121,262 | €121,262 | €121,262 | €98,213 | €56,445 | ▼ 42.5% |
| Distributable reserves133 | €121,262 | €121,262 | €121,262 | €98,213 | €56,445 | ▼ 42.5% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €230,372 | €252,891 | €222,785 | €247,721 | €267,697 | ▲ 8.1% |
| Amounts payable after more than one year17 | €154,252 | €137,429 | €120,404 | €103,174 | €85,736 | ▼ 16.9% |
| Financial debts170/4 | €154,252 | €137,429 | €120,404 | €103,174 | €85,736 | ▼ 16.9% |
| Amounts payable within one year42/48 | €74,744 | €115,462 | €102,243 | €144,511 | €181,939 | ▲ 25.9% |
| Current portion of amounts payable after more than one year42 | €16,623 | €16,823 | €18,435 | €17,230 | €17,437 | ▲ 1.2% |
| Financial debts43 | - | - | €16 | €271 | €591 | ▲ 118% |
| Credit institutions430/8 | - | - | €16 | €271 | €591 | ▲ 118% |
| Trade debts44 | €19,241 | €511 | €2,010 | €1,931 | €8,125 | ▲ 321% |
| Suppliers440/4 | €19,241 | €511 | €2,010 | €1,931 | €8,125 | ▲ 321% |
| Advances received on contracts in progress46 | - | - | - | - | €705 | - |
| Taxes, remuneration and social security45 | €38,880 | €38,506 | €10,652 | €3,314 | €12,871 | ▲ 288% |
| Taxes450/3 | €38,880 | €38,506 | €7,983 | €3,314 | €12,871 | ▲ 288% |
| Remuneration and social security454/9 | - | - | €2,669 | €0 | - | - |
| Other amounts payable47/48 | - | €59,622 | €71,129 | €121,764 | €142,210 | ▲ 16.8% |
| Accrued charges and deferred income492/3 | €1,375 | €0 | €138 | €37 | €21 | ▼ 41.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €56,445 | €59,622 | €56,930 | €57,959 | €68,197 | ▲ 17.7% |
| + Depreciation and write-downs630 | €16,146 | €15,981 | €18,540 | €19,220 | €20,706 | ▲ 7.7% |
| Operating cash flow (approximation) | €72,591 | €75,603 | €75,470 | €77,179 | €88,904 | ▲ 15.2% |
| Investment in fixed assets (approximation) | - | -€55,901 | -€5,088 | -€2,662 | -€4,614 | ▼ 73.3% |
| Change in cash | - | -€28,786 | €148 | €39,484 | -€3,639 | ▼ 109% |
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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €68,197 ▲17.7%
Operating result €90,459, net result €68,197, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100,000Eq €126,262 ▲80.8%
3 profitable years in a row build equity to €126,262.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB 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, Tielt · 1 establishment unit since 2019
Ground area
532 m²
Building footprint
129 m²
Volume, LiDAR
1,017 m³
Parcel 37015K1146/00D004, Flanders · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OBEX BV
since 20192.289.230.484
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37015K1146/00D004 | Flanders | 532 m² | 1 · 129 m² | 12.0 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 11,041 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
Founded17-05-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
82100Office administrative and support services
82990Other business support services
Contact
E-mail
bv.obex@gmail.comTielt
E-invoicing
Reachable via Peppol
Peppol ID
0208:0726859503
Also
9925:BE0726859503
Registered
17-11-2025
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.