Obvio Laboratories
ActiveThe computed 12-month bankruptcy probability of Obvio Laboratories is 3.0% (moderate). The annual accounts of Obvio Laboratories for fiscal year 2025 show a net loss of 77% of the equity at the start of that year. The 2025 annual accounts show equity of €3k and a net result of €-33k. Equity is shrinking by ~35.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 14% of 189 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
Score 2025
23
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency27▼-44
Growth32=
Track record94
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.46 against 0.29 in 2024; short-term debt: 98.2% and cash: 13.2% of total assets), and 98.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Ten signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 72
Relative position
BE, all sectors
reference
Sector 72
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
1.8%
Return on assets
-23.6%
Age of the figures
18 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year €-33k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 189 sector peers (2025).
NBB · sector comparisonPosition among 189 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
30 d late
2022
28 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-33k▼ 105%
2024 · €-16k
2022: €-6k
2023: €-7k
2024: €-16k
2022 → 2025
Working capital
€-74k▼ 103%
2024 · €-37k
2022: €30k
2023: €26k
2024: €-37k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€69k-€56k▼ 18.6%€43k▼ 23.0%€3k▼ 94.1%
Operating result€-8k-€-13k▼ 51.2%€-22k▼ 74.6%€-41k▼ 81.8%
Net result€-6k-€-7k▼ 18.5%€-16k▼ 120%€-33k▼ 105%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €41k in 2025 against €22k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €141k
Fixed assets
€77k▼ 3.7%
Current assets
€64k▲ 340%
Equity and liabilities €141k
Equity
€3k▼ 94.1%
Debt
€138k▲ 171%
The debt ratio rises from 54.2% to 98.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-16k▼
2024 · €-9k
Cash flow
€-9k▼
2024 · €-3k
Solvency
1.8%▼
2024 · 45.8%
Current ratio
0.46▲
2024 · 0.29
Quick ratio
0.20▼
2024 · 0.29
Debt / equity
54.07▲
2024 · 1.18
ROA
-23.6%▼
2024 · -17.2%
Interest coverage
-122.33▼
2024 · -78.77
Debt
€138k▲
2024 · €51k
Debt ≤ 1 year
€138k▲
2024 · €51k
A ratio outside any meaningful range has been withheld (balance sheet total €141k, equity €3k).
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€94k€141k▲
Fixed assets21/28€80k€77k▼
Intangible fixed assets21€80k€76k▼
Tangible fixed assets22/27-€815
Furniture and vehicles24-€815
Financial fixed assets28€180€180=
Current assets29/58€15k€64k▲
Stocks and contracts in progress3-€37k
Stocks30/36-€37k
Amounts receivable within one year40/41€247€8k▲
Trade receivables40€80€5k▲
Other amounts receivable41€167€4k▲
Cash at bank and in hand54/58€14k€19k▲
Deferred charges and accrued income490/1€43€399▲
Equity and liabilities
Total equity and liabilities10/49€94k€141k▲
Equity10/15€43k€3k▼
Contributions10/11€50k€50k=
Profit (loss) carried forward14€-30k€-63k▼
Investment grants15€23k€16k▼
Amounts payable17/49€51k€138k▲
Amounts payable within one year42/48€51k€138k▲
Trade debts44€18k€5k▼
Suppliers440/4€18k€5k▼
Other amounts payable47/48€34k€134k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€24k▲
Other operating charges640/8€454€457▲
Gross operating margin9900€-9k€-16k▼
Operating profit (loss)9901€-22k€-41k▼
Financial income75/76B€6k€7k▲
Recurring financial income75€6k€7k▲
Financial charges65/66B€120€134▲
Recurring financial charges65€120€134▲
Profit (loss) for the period before taxes9903€-16k€-33k▼
Profit (loss) for the period9904€-16k€-33k▼
Profit (loss) for the period to be appropriated9905€-16k€-33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-30k€-63k▼
Profit (loss) brought forward from the previous period14P€-14k€-30k▼
The notes to these accounts (10 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
31-03
Financial
Weakest financial yearnet €-33k
Net result drops to €-33k, the lowest in the series.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 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, Ukkel · 2 establishment units since 2021
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.
Dodonéestraat 771180 UkkelGround area
4.4 ha
Building footprint
1.3 ha
Volume, LiDAR
105,827 m³
2 parcels, Brussels, Wallonia · tallest building 34.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
OBVIO LABORATORIES
since 20212.314.592.125
OBVIO Laboratories
since 20212.315.821.649
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25386B0152/00N000 | Wallonia | 4.0 ha | 1 · 1.2 ha | 34.9 m · 2 fl. |
| 21612C0004/00M050 | Brussels | 3,320 m² | 1 · 1,094 m² | 10.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BIOCLI CONSULT
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Of 1,177 companies in sector 72109 we hold annual accounts for 715. 90 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2021
Fiscal year end31-03
Abbreviation FR
Obvio Labs
Activities, NACEBEL
72109Other research and development on natural sciences
47400Retail sale of information and communication equipment
47420Retail trade
47639Retail sale of other sporting goods
47640Retail trade
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
72101Research and development on biotechnology
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.