OEBE
ActiveSummary
OEBE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€6,781) and a net result of €5,710. Equity is shrinking by ~37.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 2463 sector peers (fiscal year 2025). The company has been active since 2017 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 5% of 2463 sector peers (2025).
NBB · sector comparisonPosition among 2463 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 27 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 · 8 filingsDeviation from the deadline
2025
27 d late
2024
4 d late
2023
43 d early
2022
4 d early
2021
on the day
2020
2 d early
2019
17 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 5 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 31 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€6,781▲ 45.7%
2024 · -€12,491
Net result
€5,710
2024 · -€13,802
Total assets
€17,946▼ 85.7%
2024 · €125,643
Solvency
-37.8%▼ 27.8pp
2024 · -9.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, 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-€26,459▼ 206%-€7,510▲ 71.6%€36,495-€9,052€6,386
Net result-€26,752below the sector's middle half▼ 200%-€9,121below the sector's middle half▲ 65.9%€24,416within the sector's middle half-€13,802below the sector's middle half€5,710within the sector's middle half
Equity-€13,984below the sector's middle half-€23,105below the sector's middle half▼ 65.2%€1,312below the sector's middle half-€12,491below the sector's middle half-€6,781below the sector's middle half▲ 45.7%
Total assets€19,010below the sector's middle half▼ 77.2%€58,928below the sector's middle half▲ 210%€137,299below the sector's middle half▲ 133%€125,643below the sector's middle half▼ 8.5%€17,946below the sector's middle half▼ 85.7%
Debt€32,994▼ 53.2%€82,032▲ 149%€135,987▲ 65.8%€138,134▲ 1.6%€24,727▼ 82.1%
Working capital-€16,204within the sector's middle half-€29,157below the sector's middle half▼ 79.9%-€2,995within the sector's middle half▲ 89.7%-€18,676within the sector's middle half▼ 524%-€6,781within the sector's middle half▲ 63.7%
Solvency-73.6%below the sector's middle half▼ 88.9pp-39.2%below the sector's middle half▲ 34.4pp1.0%below the sector's middle half▲ 40.2pp-9.9%below the sector's middle half▼ 10.9pp-37.8%below the sector's middle half▼ 27.8pp
Current ratio0.51below the sector's middle half▼ 0.670.64below the sector's middle half▲ 0.140.98within the sector's middle half▲ 0.330.86below the sector's middle half▼ 0.110.73below the sector's middle half▼ 0.14
Return on assets (ROA)-140.7%below the sector's middle half▼ 130.0pp-15.5%below the sector's middle half▲ 125.2pp17.8%within the sector's middle half▲ 33.3pp-11.0%below the sector's middle half▼ 28.8pp31.8%above the sector's middle half▲ 42.8pp
Staff (FTE)2.2within the sector's middle half▼ 8.3%3.8within the sector's middle half▲ 72.7%3.7within the sector's middle half▼ 2.6%3.6within the sector's middle half▼ 2.7%2.8▼ 22.2%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
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 returns to profit in 2025: €6,386 after a loss of €9,052 in 2024.
Key figures and ratios
Debt ≤ 1 year
€24,727▼
2024 · €138,134
Income taxes
€1,732▼
2024 · €2,757
Staff costs
€188,724▼
2024 · €232,040
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €226,905 | €220,695 | €232,040 | €188,724 | ▼ 18.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €156 | €936 | €1,746 | €1,708 | €0 | ▼ 100% |
| Other operating charges640/8 | - | €579 | €460 | €3,572 | €1,903 | ▼ 46.7% |
| Non-recurring operating charges66A | - | - | - | - | €6,185 | - |
| Gross operating margin9900 | €95,209 | €220,909 | €259,396 | €228,269 | €203,198 | ▼ 11.0% |
| Operating profit (loss)9901 | -€26,459 | -€7,510 | €36,495 | -€9,052 | €6,386 | ▲ 171% |
| Financial income75/76B | - | - | €16 | €543 | €1,220 | ▲ 125% |
| Recurring financial income75 | €0 | - | €16 | €543 | €1,220 | ▲ 125% |
| Financial charges65/66B | - | €1,428 | €1,916 | €2,536 | €164 | ▼ 93.5% |
| Recurring financial charges65 | €293 | €1,428 | €1,916 | €2,536 | €164 | ▼ 93.5% |
| Profit (loss) for the period before taxes9903 | -€26,752 | -€8,938 | €34,596 | -€11,045 | €7,442 | ▲ 167% |
| Income taxes67/77 | €0 | €183 | €10,179 | €2,757 | €1,732 | ▼ 37.2% |
| Profit (loss) for the period9904 | -€26,752 | -€9,121 | €24,416 | -€13,802 | €5,710 | ▲ 141% |
| Profit (loss) for the period to be appropriated9905 | -€26,752 | -€9,121 | €24,416 | -€13,802 | €5,710 | ▲ 141% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €19,010 | €58,928 | €137,299 | €125,643 | €17,946 | ▼ 85.7% |
| Fixed assets21/28 | €2,221 | €6,053 | €4,307 | €6,185 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €2,221 | €6,053 | €4,307 | €6,185 | €0 | ▼ 100% |
| Plant, machinery and equipment23 | - | €4,624 | €3,671 | €3,394 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | €1,428 | €636 | €2,791 | €0 | ▼ 100% |
| Current assets29/58 | €16,790 | €52,875 | €132,992 | €119,458 | €17,946 | ▼ 85.0% |
| Amounts receivable within one year40/41 | €0 | €2,715 | €42,000 | €2,301 | €0 | ▼ 100% |
| Trade receivables40 | - | €2,715 | €42,000 | €0 | - | - |
| Other amounts receivable41 | - | - | - | €2,301 | €0 | ▼ 100% |
| Current investments50/53 | €0 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €14,996 | €47,992 | €88,692 | €115,866 | €16,522 | ▼ 85.7% |
| Deferred charges and accrued income490/1 | - | €2,168 | €2,301 | €1,291 | €1,424 | ▲ 10.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €19,010 | €58,928 | €137,299 | €125,643 | €17,946 | ▼ 85.7% |
| Equity10/15 | -€13,984 | -€23,105 | €1,312 | -€12,491 | -€6,781 | ▲ 45.7% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €0 | ▼ 100% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | - | - | - | €1,860 | €0 | ▼ 100% |
| Profit (loss) carried forward14 | -€22,044 | -€31,165 | -€6,748 | -€20,551 | -€12,981 | ▲ 36.8% |
| Amounts payable17/49 | €32,994 | €82,032 | €135,987 | €138,134 | €24,727 | ▼ 82.1% |
| Amounts payable within one year42/48 | €32,994 | €82,032 | €135,987 | €138,134 | €24,727 | ▼ 82.1% |
| Trade debts44 | €2,290 | €1,440 | €4,431 | €930 | €1,959 | ▲ 111% |
| Suppliers440/4 | - | €1,440 | €4,431 | €930 | €1,959 | ▲ 111% |
| Taxes, remuneration and social security45 | - | €19,872 | €24,836 | €22,484 | €22,769 | ▲ 1.3% |
| Taxes450/3 | - | €183 | €362 | €0 | €1,732 | - |
| Remuneration and social security454/9 | - | €19,690 | €24,474 | €22,484 | €21,037 | ▼ 6.4% |
| Other amounts payable47/48 | - | €60,720 | €106,720 | €114,720 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€26,752 | -€9,121 | €24,416 | -€13,802 | €5,710 | ▲ 141% |
| + Depreciation and write-downs630 | €156 | €936 | €1,746 | €1,708 | €0 | ▼ 100% |
| Operating cash flow (approximation) | -€26,596 | -€8,185 | €26,162 | -€12,094 | €5,710 | ▲ 147% |
| Investment in fixed assets (approximation) | - | -€4,768 | €0 | -€3,587 | €6,185 | ▲ 272% |
| Change in cash | - | €32,995 | €40,700 | €27,175 | -€99,344 | ▼ 466% |
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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-06
Financial
Back to profitnet €5,710
Net result €5,710 after one loss-making year.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 4 days late
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Back to profitnet €24,416
Net result €24,416 after 4 loss-making years.
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Weakest financial yearnet -€26,752
Net result drops to -€26,752, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Damme · 1 establishment unit since 2017
Ground area
1,203 m²
Building footprint
188 m²
Volume, LiDAR
1,235 m³
Parcel 31026D0003/00C034, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
OEBE
since 20172.264.762.136
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31026D0003/00C034 | Flanders | 1,203 m² | 1 · 188 m² | 9.8 m · 2 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.
Structure & network
Owners and holdings
1 ownerOwners 1
- Sourceaccounts HEBUFIN 202525%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 60 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
Founded28-02-2017
Fiscal year end30-06
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0671901281
Registered
13-11-2025
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.