OBIPOM
ActiveOBIPOM has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €830k and a net result of €417k. Equity is growing by ~38.4% per year across the filed fiscal years. Its solvency ranks better than 22% of 1736 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-19
Solvency45▼-27
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 2.25 in 2024; short-term debt: 36% and cash: 1.7% of total assets), and 80.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
19.8%
Return on assets
10%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 1736 sector peers (2025).
NBB · sector comparisonPosition among 1736 sector peers
Solvency
better than 22%
← 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 27-07-2026, 4 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
4 d early
2024
7 d early
2023
37 d early
2022
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€417k▼ 15.5%
2024 · €494k
2022: €133k
2023: €234k
2024: €494k
2022 → 2025
Working capital
€537k▼ 3.0%
2024 · €553k
2022: €111k
2023: €177k
2024: €553k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€143k-€377k▲ 164%€871k▲ 131%€830k▼ 4.8%
Operating result€164k-€318k▲ 94.1%€663k▲ 108%€565k▼ 14.7%
Net result€133k-€234k▲ 76.0%€494k▲ 111%€417k▼ 15.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.18M
Fixed assets
€2.14M▲ 154%
Current assets
€2.04M▲ 105%
Equity and liabilities €4.18M
Equity
€830k▼ 4.8%
Debt
€3.35M▲ 246%
The debt ratio rises from 52.6% to 80.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€770k▼
2024 · €779k
Cash flow
€622k▲
2024 · €610k
Solvency
19.8%▼
2024 · 47.4%
Current ratio
1.36▼
2024 · 2.25
Quick ratio
1.36▼
2024 · 2.25
Debt / equity
4.04▲
2024 · 1.11
ROE
50.3%▼
2024 · 56.7%
ROA
10.0%▼
2024 · 26.8%
Interest coverage
15.12▼
2024 · 35.65
Debt
€3.35M▲
2024 · €969k
Debt ≤ 1 year
€1.50M▲
2024 · €442k
Debt > 1 year
€1.85M▲
2024 · €527k
Income taxes
€97k▼
2024 · €147k
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€1.84M€4.18M▲
Fixed assets21/28€845k€2.14M▲
Tangible fixed assets22/27€845k€2.14M▲
Land and buildings22-€1.23M
Plant, machinery and equipment23€791k€907k▲
Furniture and vehicles24€8k€6k▼
Assets under construction and advance payments27€46k-
Current assets29/58€995k€2.04M▲
Amounts receivable within one year40/41€360k€1.97M▲
Trade receivables40€281k€1.93M▲
Other amounts receivable41€79k€37k▼
Cash at bank and in hand54/58€594k€69k▼
Deferred charges and accrued income490/1€41k€250▼
Equity and liabilities
Total equity and liabilities10/49€1.84M€4.18M▲
Equity10/15€871k€830k▼
Contributions10/11€10k€10k=
Reserves13€860k€819k▼
Distributable reserves133€860k€819k▼
Profit (loss) carried forward14€1k€498▼
Amounts payable17/49€969k€3.35M▲
Amounts payable after more than one year17€527k€1.85M▲
Financial debts170/4€527k€1.85M▲
Amounts payable within one year42/48€442k€1.50M▲
Current portion of amounts payable after more than one year42€77k€124k▲
Trade debts44€19k€297k▲
Suppliers440/4€19k€297k▲
Advances received on contracts in progress46-€712k
Taxes, remuneration and social security45€236k€260k▲
Taxes450/3€236k€260k▲
Other amounts payable47/48€110k€110k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€116k€204k▲
Other operating charges640/8€537€5k▲
Gross operating margin9900€779k€775k▼
Operating profit (loss)9901€663k€565k▼
Financial income75/76B€321-
Recurring financial income75€321-
Financial charges65/66B€22k€51k▲
Recurring financial charges65€22k€51k▲
Profit (loss) for the period before taxes9903€641k€514k▼
Income taxes67/77€147k€97k▼
Profit (loss) for the period9904€494k€417k▼
Profit (loss) for the period to be appropriated9905€494k€417k▼
Appropriation of the result
Profit (loss) to be appropriated9906€501k€418k▼
Profit (loss) brought forward from the previous period14P€7k€1k▼
Transfer from equity791/2-€459k
Transfer to equity691/2€500k€418k▼
To other reserves6921€500k€418k▼
Profit to be distributed694/7-€459k
Return on contributions (dividend)694-€459k
The notes to these accounts (9 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €494k ▲111%
Operating result €663k, net result €494k, both a record.
31-12
Financial
Equity above €500kEq €871k ▲131%
3 profitable years in a row build equity to €871k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €200kEq €377k ▲164%
2 profitable years in a row build equity to €377k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · 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
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, Nivelles · 1 establishment unit since 2022
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.
Chemin de la Guenette 61400 NivellesGround area
743 m²
Building footprint
200 m²
Volume, LiDAR
1,162 m³
Parcel 25783F0342/00L000, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OBIPOM
since 20222.331.809.328
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25783F0342/00L000 | Wallonia | 743 m² | 1 · 200 m² | 8.4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNivelles2.331.809.328
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Of 20,591 companies in sector 01500 we hold annual accounts for 1,149. 823 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-05-2022
Fiscal year end31-12
Activities, NACEBEL
01500Mixed farming
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.