Olaf & More

Active

Private limited companyfounded 20224 yrs activeTamboerijnstraat 16, 8530 Harelbeke, BelgiumKBO/BCE: BE 0785.733.949

Olaf & More has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68k and a net result of €27k. Equity is growing by ~57.2% per year across the filed fiscal years. Its solvency ranks better than 69% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2025

100 / 100

Excellent= vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency100▲+4

Growth78=

Stability94

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity ample (current ratio 4.23 against 2.4 in 2024), and 26.3% of the assets are financed with debt.

How do we compute the score and the probability?

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

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 →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

73.7%

Return on assets

29.2%

Age of the figures

8 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-05-2026, 64 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

64 d early

2024

30 d early

2023

26 d early

← before the deadline after the deadline →

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 months

Position in the running window

14-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€68k▲ 65.5%

2024 · €41k

2023: €21k 2024: €41k

2023 → 2025

Total assets

€93k▲ 19.7%

2024 · €78k

2023: €72k 2024: €78k

2023 → 2025

Net result

€27k▲ 34.3%

2024 · €20k

2023: €17k 2024: €20k

2023 → 2025

Working capital

€59k▲ 91.1%

2024 · €31k

2023: €9k 2024: €31k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€21k-€41k▲ 95.2%€68k▲ 65.5%

Operating result€27k-€27k▼ 0.2%€35k▲ 31.6%

Net result€17k-€20k▲ 17.4%€27k▲ 34.3%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 32% above 2024 and is the highest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €93k

17.2%

82.8%

Fixed assets €16k▼ 36.0%

Current assets €77k▲ 46.0%

Equity and liabilities €93k

73.7%

26.3%

Equity €68k▲ 65.5%

Debt €24k▼ 32.7%

The debt ratio falls from 46.7% to 26.3%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€44k▲

2024 · €36k

Cash flow

€36k▲

2024 · €29k

Solvency

73.7%▲

2024 · 53.3%

Current ratio

4.23▲

2024 · 2.40

Quick ratio

4.23▲

2024 · 2.40

Debt / equity

0.36▼

2024 · 0.88

ROE

39.6%▼

2024 · 48.8%

ROA

29.2%▲

2024 · 26.0%

Interest coverage

64.87▲

2024 · 39.10

Debt

€24k▼

2024 · €36k

Debt ≤ 1 year

€18k▼

2024 · €22k

Debt > 1 year

€6k▼

2024 · €14k

Income taxes

€7k▲

2024 · €6k

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€78k€93k▲

Fixed assets21/28€25k€16k▼

Tangible fixed assets22/27€25k€16k▼

Furniture and vehicles24€25k€16k▼

Current assets29/58€53k€77k▲

Amounts receivable within one year40/41€2k€12k▲

Trade receivables40€0€11k▲

Other amounts receivable41€2k€1k▼

Cash at bank and in hand54/58€50k€63k▲

Deferred charges and accrued income490/1€1k€1k▲

Equity and liabilities

Total equity and liabilities10/49€78k€93k▲

Equity10/15€41k€68k▲

Contributions10/11€4k€4k=

Reserves13€37k€64k▲

Distributable reserves133€37k€64k▲

Amounts payable17/49€36k€24k▼

Amounts payable after more than one year17€14k€6k▼

Financial debts170/4€14k€6k▼

Amounts payable within one year42/48€22k€18k▼

Current portion of amounts payable after more than one year42€8k€8k▲

Trade debts44€645€2k▲

Suppliers440/4€645€2k▲

Taxes, remuneration and social security45€13k€8k▼

Taxes450/3€13k€8k▼

Other amounts payable47/48€0-

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k=

Other operating charges640/8€969€748▼

Gross operating margin9900€37k€45k▲

Operating profit (loss)9901€27k€35k▲

Financial income75/76B€85€106▲

Recurring financial income75€85€106▲

Financial charges65/66B€909€678▼

Recurring financial charges65€909€678▼

Profit (loss) for the period before taxes9903€26k€34k▲

Income taxes67/77€6k€7k▲

Profit (loss) for the period9904€20k€27k▲

Profit (loss) for the period to be appropriated9905€20k€27k▲

Appropriation of the result

Profit (loss) to be appropriated9906€20k€27k▲

Transfer to equity691/2€20k€27k▲

To other reserves6921€20k€27k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

28-05

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Highest result since 2023net €27k ▲34.3%

Operating result €35k, net result €27k, both a record.

01-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

05-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

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, Harelbeke · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Tamboerijnstraat 168530 Harelbeke

Ground area

242 m²

Building footprint

97 m²

Parcel 34323D1438/00A004, Flanders. Linked by address, not a title deed.

1 establishment unit

OLAF & MORE

Tamboerijnstraat 16, 8530 HarelbekeBusiness consulting

since 20222.332.656.196

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
34323D1438/00A004	Flanders	242 m²	1 · 97 m²	-

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.

Similar companies · same sector, comparable size

SAFETY EVACUATION GROUP CVBA

Bilzen-Hoeselt · Eq €68k

Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 39,438 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded05-05-2022

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

63920Other information service activities

63990Computing infrastructure, data processing, hosting and other information service activities

82100Office administrative and support services

82110Office administrative, office support and other business support activities

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.