Office Financier Immobilier
ActiveSummary
Office Financier Immobilier has been active since 1954 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €3.23M and a net result of €378k. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 89% of 4602 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability82▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €290k at 30 days acceptable
Liquidity ample (current ratio 8.8 against 7.85 in 2023; short-term debt: 7.7% and cash: 31% of total assets), and 7.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
92.3%
Return on assets
10.8%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-06-2025, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
35 d early
2023
37 d early
2022
47 d early
2021
11 d early
2020
36 d early
2019
36 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€378k▲ 0.5%
2023 · €376k
2018: €256k
2019: €164k
2020: €2.17M
2021: €89k
2022: €217k
2023: €376k
2018 → 2024
Working capital
€2.10M▲ 12.9%
2023 · €1.86M
2018: €631k
2019: €698k
2020: €1.98M
2021: €1.68M
2022: €1.69M
2023: €1.86M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€2.99M-€2.92M▼ 2.0%€2.94M▲ 0.6%€3.08M▲ 4.6%€3.23M▲ 5.1%
Operating result€-28k-€27k€69k▲ 162%€36k▼ 48.2%€89k▲ 148%
Net result€2.17M-€89k▼ 95.9%€217k▲ 142%€376k▲ 73.6%€378k▲ 0.5%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 148% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.50M
Fixed assets
€1.14M ▼ 6.8%
Current assets
€2.37M ▲ 11.1%
Equity and liabilities €3.50M
Equity
€3.23M ▲ 5.1%
Debt
€270k ▼ 1.0%
Debt's share of the balance-sheet total falls from 8.1% to 7.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€175k▲
2023 · €124k
Cash flow
€464k▼
2023 · €464k
Current ratio
8.80▲
2023 · 7.85
Debt to equity
0.08▼
2023 · 0.09
ROE
11.7%▼
2023 · 12.2%
ROA
10.8%▼
2023 · 11.2%
Interest coverage
114.39▲
2023 · 75.65
Debt ≤ 1 year
€269k▼
2023 · €271k
Income taxes
€24k▲
2023 · €9k
Staff costs
€76▼
2023 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 54 lines
Balance sheet
Code20232024
Assets
Total assets20/58€3.35M€3.50M▲
Fixed assets21/28€1.22M€1.14M▼
Tangible fixed assets22/27€230k€149k▼
Plant, machinery and equipment23€181k€109k▼
Furniture and vehicles24€49k€40k▼
Financial fixed assets28€988k€987k▼
Current assets29/58€2.13M€2.37M▲
Amounts receivable after more than one year29-€1.00M
Other amounts receivable291-€1.00M
Amounts receivable within one year40/41€261k€255k▼
Trade receivables40€66k€75k▲
Other amounts receivable41€195k€180k▼
Cash at bank and in hand54/58€1.86M€1.09M▼
Deferred charges and accrued income490/1€10k€28k▲
Equity and liabilities
Total equity and liabilities10/49€3.35M€3.50M▲
Equity10/15€3.08M€3.23M▲
Contributions10/11€112k€112k=
Capital10€112k€112k=
Issued capital100€112k€112k=
Reserves13€2.71M€2.86M▲
Non-distributable reserves130/1€11k€11k=
Legal reserve130€11k€11k=
Distributable reserves133€2.70M€2.85M▲
Profit (loss) carried forward14€254k€262k▲
Amounts payable17/49€272k€270k▼
Amounts payable within one year42/48€271k€269k▼
Trade debts44€11k€16k▲
Suppliers440/4€11k€16k▲
Taxes, remuneration and social security45€93k€99k▲
Taxes450/3€93k€99k▲
Other amounts payable47/48€168k€154k▼
Accrued charges and deferred income492/3€798€461▼
Income statement
Code20232024
Remuneration, social security and pensions62€3k€76▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€88k€86k▼
Other operating charges640/8€4k€1k▼
Gross operating margin9900€130k€176k▲
Operating profit (loss)9901€36k€89k▲
Financial income75/76B€360k€327k▼
Recurring financial income75€352k€315k▼
Non-recurring financial income76B€7k€12k▲
Financial charges65/66B€10k€15k▲
Recurring financial charges65€2k€2k▼
Non-recurring financial charges66B€9k€13k▲
Profit (loss) for the period before taxes9903€385k€402k▲
Income taxes67/77€9k€24k▲
Profit (loss) for the period9904€376k€378k▲
Profit (loss) for the period to be appropriated9905€376k€378k▲
Appropriation of the result
Profit (loss) to be appropriated9906€694k€632k▼
Profit (loss) brought forward from the previous period14P€318k€254k▼
Transfer to equity691/2€200k€150k▼
To other reserves6921€200k€150k▼
Profit to be distributed694/7€240k€220k▼
Return on contributions (dividend)694€240k€220k▼
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €89k ▼95.9%
Net result drops to €89k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 9.08
Current ratio from 3.11 to 9.08; short-term debt falls from €940k to €208k.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €2.17M ▲1223%
Net result €2.17M, the highest in the series.
31-12
Financial
Equity above €2MEq €2.99M ▲85%
3 profitable years in a row build equity to €2.99M.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Sint-Agatha-Berchem · 1 establishment unit since 1954
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.
Nestor Martinstraat 3191082 Sint-Agatha-BerchemGround area
8,223 m²
Building footprint
3,317 m²
Volume, LiDAR
26,328 m³
2 parcels, Brussels · tallest building 14.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Gentsesteenweg 1040, 1082 Sint-Agatha-Berchem
since 19542.005.320.293
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21003A0338/00N002 | Brussels | 4,977 m² | 1 · 2,144 m² | 8.6 m · 2 fl. |
| 21342B0060/00N000 | Brussels | 3,246 m² | 1 · 1,173 m² | 14.2 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
98450009M9F6A1B5H852
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 15,100 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-04-1954
Fiscal year end31-12
Abbreviation FR
O.F.I.
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.