Summary
OLAMA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €822,848 and a net result of €423,522. Its solvency ranks better than 92% of 8091 sector peers (fiscal year 2025). The company has been active since 2023 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
29 d early
2024
16 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 23 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€822,848▲ 106%
2024 · €399,326
Net result
€423,522▲ 11.7%
2024 · €379,326
Total assets
€876,326▲ 85.1%
2024 · €473,538
Solvency
93.9%▲ 9.6pp
2024 · 84.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line20242025
Operating result€498,860-€565,402▲ 13.3%
Net result€379,326above the sector's middle half-€423,522above the sector's middle half▲ 11.7%
Equity€399,326within the sector's middle half-€822,848above the sector's middle half▲ 106%
Total assets€473,538within the sector's middle half-€876,326above the sector's middle half▲ 85.1%
Debt€74,212-€53,479▼ 27.9%
Working capital€286,768above the sector's middle half-€735,351above the sector's middle half▲ 156%
Solvency84.3%above the sector's middle half-93.9%above the sector's middle half▲ 9.6pp
Current ratio4.97above the sector's middle half-15.23above the sector's middle half▲ 10.27
Return on assets (ROA)80.1%above the sector's middle half-48.3%above the sector's middle half▼ 31.8pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 13% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €876,326
Fixed assets
€89,311 ▼ 22.0%
Current assets
€787,015 ▲ 119%
Equity and liabilities €876,326
Equity
€822,848 ▲ 106%
Debt
€53,479 ▼ 27.9%
Debt's share of the balance-sheet total falls from 15.7% to 6.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
51.5%▼
2024 · 95.0%
Debt ≤ 1 year
€51,664▼
2024 · €72,277
Income taxes
€142,291▲
2024 · €118,977
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,418 | €25,182 | ▲ 121% |
| Other operating charges640/8 | €491 | €965 | ▲ 96.4% |
| Gross operating margin9900 | €510,770 | €591,550 | ▲ 15.8% |
| Operating profit (loss)9901 | €498,860 | €565,402 | ▲ 13.3% |
| Financial income75/76B | €1,468 | €6,004 | ▲ 309% |
| Recurring financial income75 | €1,468 | €6,004 | ▲ 309% |
| Financial charges65/66B | €2,025 | €5,593 | ▲ 176% |
| Recurring financial charges65 | €2,025 | €5,593 | ▲ 176% |
| Profit (loss) for the period before taxes9903 | €498,303 | €565,813 | ▲ 13.5% |
| Income taxes67/77 | €118,977 | €142,291 | ▲ 19.6% |
| Profit (loss) for the period9904 | €379,326 | €423,522 | ▲ 11.7% |
| Transfer to tax-exempt reserves689 | €168,400 | €210,500 | ▲ 25.0% |
| Profit (loss) for the period to be appropriated9905 | €210,926 | €213,022 | ▲ 1.0% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €473,538 | €876,326 | ▲ 85.1% |
| Fixed assets21/28 | €114,493 | €89,311 | ▼ 22.0% |
| Tangible fixed assets22/27 | €114,493 | €89,311 | ▼ 22.0% |
| Plant, machinery and equipment23 | €1,874 | €1,363 | ▼ 27.3% |
| Furniture and vehicles24 | €112,620 | €87,948 | ▼ 21.9% |
| Current assets29/58 | €359,045 | €787,015 | ▲ 119% |
| Amounts receivable within one year40/41 | €189,937 | €224,593 | ▲ 18.2% |
| Trade receivables40 | €189,937 | €224,586 | ▲ 18.2% |
| Other amounts receivable41 | - | €7 | - |
| Current investments50/53 | €150,000 | €453,198 | ▲ 202% |
| Cash at bank and in hand54/58 | €13,902 | €101,617 | ▲ 631% |
| Deferred charges and accrued income490/1 | €5,206 | €7,608 | ▲ 46.1% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €473,538 | €876,326 | ▲ 85.1% |
| Equity10/15 | €399,326 | €822,848 | ▲ 106% |
| Contributions10/11 | €20,000 | €20,000 | = |
| Reserves13 | €168,400 | €378,900 | ▲ 125% |
| Tax-exempt reserves132 | €168,400 | €378,900 | ▲ 125% |
| Profit (loss) carried forward14 | €210,926 | €423,948 | ▲ 101% |
| Amounts payable17/49 | €74,212 | €53,479 | ▼ 27.9% |
| Amounts payable within one year42/48 | €72,277 | €51,664 | ▼ 28.5% |
| Financial debts43 | €6,851 | €17 | ▼ 99.7% |
| Credit institutions430/8 | €6,851 | €17 | ▼ 99.7% |
| Trade debts44 | €3,321 | €2,728 | ▼ 17.9% |
| Suppliers440/4 | €3,321 | €2,728 | ▼ 17.9% |
| Taxes, remuneration and social security45 | €42,137 | €29,341 | ▼ 30.4% |
| Taxes450/3 | €42,137 | €29,341 | ▼ 30.4% |
| Other amounts payable47/48 | €19,968 | €19,578 | ▼ 2.0% |
| Accrued charges and deferred income492/3 | €1,935 | €1,814 | ▼ 6.3% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €379,326 | €423,522 | ▲ 11.7% |
| + Depreciation and write-downs630 | €11,418 | €25,182 | ▲ 121% |
| Operating cash flow (approximation) | €390,744 | €448,704 | ▲ 14.8% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | €87,715 | - |
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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 15.23
Current ratio from 4.97 to 15.23; short-term debt falls from €72,277 to €51,664.
31-12
Financial
Equity above €500,000Eq €822,848 ▲106%
2 profitable years in a row build equity to €822,848.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Wetteren · 1 establishment unit since 2023
Ground area
1,080 m²
Building footprint
223 m²
Volume, LiDAR
1,272 m³
Parcel 42012B0147/00D000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OLAMA
since 20232.346.164.437
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42012B0147/00D000 | Flanders | 1,080 m² | 1 · 223 m² | 7.9 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.
Recognitions · licences · registrations
Legal Entity Identifier
6994005MJCCKL5TRBZ22
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 13,114 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
Founded09-06-2023
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70100Activities of head offices
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0802577604
Also
9925:BE0802577604
Registered
20-10-2025
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.