OBLISAFE 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 €332k and a net result of €324k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 88% of 2423 sector peers (fiscal year 2025). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €332k
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
29 d early
2023
30 d early
2022
10 d early
2021
13 d early
2020
22 d early
2019
32 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€332k▲ 110%
2024 · €159k
2018: €667k
2019: €756k
2020: €254k
2021: €102k
2022: €41k
2023: €129k
2024: €159k
2018 → 2025
Net result
€324k▲ 117%
2024 · €149k
2018: €135k
2019: €89k
2020: €182k
2021: €98k
2022: €29k
2023: €104k
2024: €149k
2018 → 2025
Total assets
€371k▲ 87.0%
2024 · €199k
2018: €890k
2019: €942k
2020: €319k
2021: €169k
2022: €88k
2023: €168k
2024: €199k
2018 → 2025
Solvency
89.5%▲ 9.7pp
2024 · 79.8%
2018: 74.9%
2019: 80.2%
2020: 79.4%
2021: 60.3%
2022: 46.3%
2023: 77.0%
2024: 79.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€102k-€41k▼ 60.0%€129k▲ 217%€159k▲ 22.5%€332k▲ 110%
Operating result€132k-€40k▼ 69.8%€140k▲ 251%€199k▲ 42.5%€432k▲ 117%
Net result€98k-€29k▼ 70.7%€104k▲ 260%€149k▲ 43.9%€324k▲ 117%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 117% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €371k
Equity
€332k▲ 110%
Debt
€39k▼ 2.5%
The debt ratio falls from 20.2% to 10.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
89.5%▲
2024 · 79.8%
ROE
97.4%▲
2024 · 94.1%
ROA
87.2%▲
2024 · 75.1%
Debt
€39k▼
2024 · €40k
Debt ≤ 1 year
€39k▼
2024 · €40k
Income taxes
€108k▲
2024 · €50k
Staff costs
€610▼
2024 · €672
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€199k€371k▲
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Other tangible fixed assets26€0-
Current assets29/58€199k€371k▲
Amounts receivable within one year40/41€48k€86k▲
Trade receivables40€0€26k▲
Other amounts receivable41€48k€61k▲
Cash at bank and in hand54/58€150k€284k▲
Deferred charges and accrued income490/1€81€757▲
Equity and liabilities
Total equity and liabilities10/49€199k€371k▲
Equity10/15€159k€332k▲
Contributions10/11€1€1=
Reserves13€159k€332k▲
Distributable reserves133€159k€332k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€40k€39k▼
Amounts payable within one year42/48€40k€39k▼
Trade debts44€38k€37k▼
Suppliers440/4€38k€37k▼
Other amounts payable47/48€3k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€672€610▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€341€0▼
Other operating charges640/8€505€520▲
Gross operating margin9900€201k€433k▲
Operating profit (loss)9901€199k€432k▲
Financial charges65/66B€250€285▲
Recurring financial charges65€250€285▲
Profit (loss) for the period before taxes9903€199k€432k▲
Income taxes67/77€50k€108k▲
Profit (loss) for the period9904€149k€324k▲
Profit (loss) for the period to be appropriated9905€149k€324k▲
Appropriation of the result
Profit (loss) to be appropriated9906€149k€324k▲
Transfer from equity791/2€120k€150k▲
Transfer to equity691/2€149k€324k▲
To other reserves6921€149k€324k▲
Profit to be distributed694/7€120k€150k▲
Return on contributions (dividend)694€120k€150k▲
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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €324k ▲117%
Operating result €432k, net result €324k, both a record.
31-12
Financial
Equity above €200kEq €332k ▲110%
8 profitable years in a row build equity to €332k.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €159k ▲22.5%
7 profitable years in a row build equity to €159k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 4.34
Current ratio from 1.84 to 4.34; short-term debt falls from €47k to €39k.
31-12
Financial
Equity above €100kEq €129k ▲217%
6 profitable years in a row build equity to €129k.
21-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €29k ▼70.7%
Net result drops to €29k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 acts for this company are 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, Heist-op-den-Berg · 1 establishment unit since 1990
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.
Goorvoetweg 12223 Heist-op-den-BergGround area
1,176 m²
Building footprint
365 m²
Volume, LiDAR
1,253 m³
Parcel 12033B0217/00T000, Flanders · tallest building 15.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
OBLISAFE
since 19902.049.425.797
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12033B0217/00T000 | Flanders | 1,176 m² | 1 · 365 m² | 15.6 m · 1 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
2022 to 2024 · 2 entries · 261 EUR awarded · 261 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 87 EUR | 87 EUR |
| 2022 | 1 | 174 EUR | 174 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,685 companies in sector 66220 we hold annual accounts for 3,230. 2,733 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-08-1990
Fiscal year end31-12
Activities, NACEBEL
64190Financial service activities, except insurance and pension funding
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.