OBVIOUS
ActiveOBVIOUS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €330k and a net result of €30k. Equity is growing by ~46.2% per year across the filed fiscal years. Its solvency ranks better than 62% of 8647 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-12
Solvency90▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.85 against 2.75 in 2024; short-term debt: 35.1% and cash: 86.8% of total assets), and 35.1% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
64.9%
Return on assets
6%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
26 d late
2022
32 d late
2021
5 d late
2020
8 d early
2019
on the day
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€330k▲ 10.1%
2024 · €299k
2018: €-255k
2019: €-132k
2020: €-20k
2021: €58k
2022: €86k
2023: €226k
2024: €299k
2018 → 2025
Total assets
€508k▲ 8.7%
2024 · €467k
2018: €200k
2019: €302k
2020: €429k
2021: €348k
2022: €385k
2023: €486k
2024: €467k
2018 → 2025
Net result
€30k▼ 58.9%
2024 · €74k
2018: €194k
2019: €122k
2020: €112k
2021: €79k
2022: €28k
2023: €139k
2024: €74k
2018 → 2025
Working capital
€330k▲ 12.7%
2024 · €293k
2018: €179k
2019: €68k
2020: €159k
2021: €238k
2022: €168k
2023: €210k
2024: €293k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€58k-€86k▲ 48.6%€226k▲ 162%€299k▲ 32.7%€330k▲ 10.1%
Operating result€108k-€42k▼ 60.9%€192k▲ 355%€102k▼ 46.6%€43k▼ 58.0%
Net result€79k-€28k▼ 64.1%€139k▲ 394%€74k▼ 47.1%€30k▼ 58.9%
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 fallen two years in a row; 2025 is 58% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €508k
Equity
€330k▲ 10.1%
Debt
€178k▲ 6.2%
The debt ratio falls from 35.9% to 35.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€50k▼
2024 · €114k
Cash flow
€37k▼
2024 · €86k
Solvency
64.9%▲
2024 · 64.1%
Current ratio
2.85▲
2024 · 2.75
Quick ratio
2.85▲
2024 · 2.75
Debt / equity
0.54▼
2024 · 0.56
ROE
9.2%▼
2024 · 24.6%
ROA
6.0%▼
2024 · 15.8%
Interest coverage
191.91▼
2024 · 202.81
Debt
€178k▲
2024 · €168k
Debt ≤ 1 year
€178k▲
2024 · €168k
Income taxes
€12k▼
2024 · €28k
Staff costs
€88k▲
2024 · €85k
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€467k€508k▲
Fixed assets21/28€7k-
Tangible fixed assets22/27€7k-
Furniture and vehicles24€7k-
Current assets29/58€460k€508k▲
Amounts receivable within one year40/41€402k€65k▼
Trade receivables40€302k€43k▼
Other amounts receivable41€100k€23k▼
Cash at bank and in hand54/58€57k€441k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€467k€508k▲
Equity10/15€299k€330k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€231k€262k▲
Amounts payable17/49€168k€178k▲
Amounts payable within one year42/48€168k€178k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€20k€22k▲
Taxes450/3€9k€10k▲
Remuneration and social security454/9€11k€12k▲
Other amounts payable47/48€145k€152k▲
Accrued charges and deferred income492/3€0€19▲
Income statement
Code20242025
Remuneration, social security and pensions62€85k€88k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€7k▼
Other operating charges640/8€387€400▲
Gross operating margin9900€199k€138k▼
Operating profit (loss)9901€102k€43k▼
Financial income75/76B€40€0▼
Recurring financial income75€40€0▼
Financial charges65/66B€564€259▼
Recurring financial charges65€564€259▼
Profit (loss) for the period before taxes9903€102k€43k▼
Income taxes67/77€28k€12k▼
Profit (loss) for the period9904€74k€30k▼
Profit (loss) for the period to be appropriated9905€74k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€231k€262k▲
Profit (loss) brought forward from the previous period14P€157k€231k▲
The notes to these accounts (3 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Equity above €200kEq €226k ▲162%
6 profitable years in a row build equity to €226k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet €28k ▼64.1%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 4.58
Current ratio from 1.74 to 4.58; short-term debt falls from €216k to €67k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 91 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Wemmel · 2 establishment units since 2011
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.
De Ghelderodelaan 61780 WemmelGround area
2,678 m²
Building footprint
437 m²
Volume, LiDAR
2,871 m³
2 parcels, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
OBVIOUS
since 20112.208.664.759
OBVIOUS
since 20212.314.928.556
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23084A0595/00C004 | Flanders | 1,862 m² | 1 · 302 m² | 10.0 m · 2 fl. |
| 22005A0632/00D000 | Flanders | 816 m² | 1 · 135 m² | 9.1 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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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 37,569 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded16-05-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.