Summary
Olhao Nuvem is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €119k and a net result of €54k. Equity is growing by ~54% per year across the filed fiscal years. Its solvency ranks better than 31% of 9863 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-09-2025, 48 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
48 d late
2023
31 d late
2022
31 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€119k▲ 82.2%
2023 · €65k
2022: €48klowest in 3 years
2023: €65k▲ +34.9% vs 2022
2024: €119k▲ +82.2% vs 2023highest in 3 years
2022 → 2024
Net result
€54k▲ 218%
2023 · €17k
2022: €46k
2023: €17k▼ -63.6% vs 2022lowest in 3 years
2024: €54k▲ +218% vs 2023highest in 3 years
2022 → 2024
Total assets
€374k▲ 119%
2023 · €171k
2022: €75klowest in 3 years
2023: €171k▲ +129% vs 2022
2024: €374k▲ +119% vs 2023highest in 3 years
2022 → 2024
Solvency
31.7%▼ 6.4pp
2023 · 38.1%
2022: 64.5%highest in 3 years
2023: 38.1%▼ -41.0% vs 2022
2024: 31.7%▼ -16.7% vs 2023lowest in 3 years
2022 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€48k-€65k▲ 34.9%€119k▲ 82.2%
2022: €48klowest in 3 years
2023: €65k▲ +34.9% vs 2022
2024: €119k▲ +82.2% vs 2023highest in 3 years
Operating result€62k-€26k▼ 58.3%€77k▲ 196%
2022: €62k
2023: €26k▼ -58.3% vs 2022lowest in 3 years
2024: €77k▲ +196% vs 2023highest in 3 years
Net result€46k-€17k▼ 63.6%€54k▲ 218%
2022: €46k
2023: €17k▼ -63.6% vs 2022lowest in 3 years
2024: €54k▲ +218% vs 2023highest in 3 years
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 2024; 2024 is 196% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €374k
Fixed assets
€234k ▲ 65.4%
Current assets
€140k ▲ 378%
Equity and liabilities €374k
Equity
€119k ▲ 82.2%
Debt
€256k ▲ 141%
Debt's share of the balance-sheet total rises from 61.9% to 68.3%. Equity and debt are higher.
Key figures and ratios
ROE
45.1%▲
2023 · 25.8%
ROA
14.3%▲
2023 · 9.8%
Debt ≤ 1 year
€164k▲
2023 · €106k
Debt > 1 year
€86k
Income taxes
€15k▲
2023 · €6k
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 · 46 lines
Balance sheet
Code20232024
Assets
Total assets20/58€171k€374k▲
Fixed assets21/28€142k€234k▲
Tangible fixed assets22/27€142k€234k▲
Land and buildings22€130k€0▼
Plant, machinery and equipment23€5k€0▼
Furniture and vehicles24€7k€8k▲
Other tangible fixed assets26-€226k
Financial fixed assets28-€105
Current assets29/58€29k€140k▲
Amounts receivable within one year40/41€14k€28k▲
Trade receivables40€14k€28k▲
Other amounts receivable41-€8
Cash at bank and in hand54/58€15k€111k▲
Deferred charges and accrued income490/1-€23
Equity and liabilities
Total equity and liabilities10/49€171k€374k▲
Equity10/15€65k€119k▲
Contributions10/11€2k€2k=
Reserves13€25k€25k=
Distributable reserves133€25k€25k=
Profit (loss) carried forward14€38k€92k▲
Amounts payable17/49€106k€256k▲
Amounts payable after more than one year17-€86k
Financial debts170/4-€86k
Amounts payable within one year42/48€106k€164k▲
Current portion of amounts payable after more than one year42-€9k
Trade debts44€6k€61k▲
Suppliers440/4€6k€61k▲
Taxes, remuneration and social security45€15k€14k▼
Taxes450/3€15k€14k▼
Other amounts payable47/48€84k€80k▼
Accrued charges and deferred income492/3-€5k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€5k▼
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€51k€84k▲
Operating profit (loss)9901€26k€77k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€3k€8k▲
Recurring financial charges65€3k€8k▲
Profit (loss) for the period before taxes9903€23k€69k▲
Income taxes67/77€6k€15k▲
Profit (loss) for the period9904€17k€54k▲
Profit (loss) for the period to be appropriated9905€17k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€92k▲
Profit (loss) brought forward from the previous period14P€21k€38k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €23k | €5k | ▼ 79.5% |
| Other operating charges640/8 | €1k | €2k | €1k | ▼ 6.7% |
| Non-recurring operating charges66A | - | - | €1k | - |
| Gross operating margin9900 | €67k | €51k | €84k | ▲ 65.9% |
| Operating profit (loss)9901 | €62k | €26k | €77k | ▲ 196% |
| Financial income75/76B | €0 | - | €1 | - |
| Recurring financial income75 | €0 | - | €1 | - |
| Financial charges65/66B | €99 | €3k | €8k | ▲ 152% |
| Recurring financial charges65 | €99 | €3k | €8k | ▲ 152% |
| Profit (loss) for the period before taxes9903 | €62k | €23k | €69k | ▲ 202% |
| Income taxes67/77 | €16k | €6k | €15k | ▲ 157% |
| Profit (loss) for the period9904 | €46k | €17k | €54k | ▲ 218% |
| Profit (loss) for the period to be appropriated9905 | €46k | €17k | €54k | ▲ 218% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €75k | €171k | €374k | ▲ 119% |
| Fixed assets21/28 | €13k | €142k | €234k | ▲ 65.4% |
| Tangible fixed assets22/27 | €13k | €142k | €234k | ▲ 65.3% |
| Land and buildings22 | - | €130k | €0 | ▼ 100% |
| Plant, machinery and equipment23 | €5k | €5k | €0 | ▼ 100% |
| Furniture and vehicles24 | €9k | €7k | €8k | ▲ 21.1% |
| Other tangible fixed assets26 | - | - | €226k | - |
| Financial fixed assets28 | - | - | €105 | - |
| Current assets29/58 | €61k | €29k | €140k | ▲ 378% |
| Amounts receivable within one year40/41 | €22k | €14k | €28k | ▲ 99.1% |
| Trade receivables40 | €21k | €14k | €28k | ▲ 99.1% |
| Other amounts receivable41 | €673 | - | €8 | - |
| Cash at bank and in hand54/58 | €40k | €15k | €111k | ▲ 642% |
| Deferred charges and accrued income490/1 | - | - | €23 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €75k | €171k | €374k | ▲ 119% |
| Equity10/15 | €48k | €65k | €119k | ▲ 82.2% |
| Contributions10/11 | €2k | €2k | €2k | = |
| Reserves13 | €25k | €25k | €25k | = |
| Distributable reserves133 | €25k | €25k | €25k | = |
| Profit (loss) carried forward14 | €21k | €38k | €92k | ▲ 140% |
| Amounts payable17/49 | €27k | €106k | €256k | ▲ 141% |
| Amounts payable after more than one year17 | - | - | €86k | - |
| Financial debts170/4 | - | - | €86k | - |
| Amounts payable within one year42/48 | €27k | €106k | €164k | ▲ 54.8% |
| Current portion of amounts payable after more than one year42 | - | - | €9k | - |
| Trade debts44 | €1k | €6k | €61k | ▲ 888% |
| Suppliers440/4 | €1k | €6k | €61k | ▲ 888% |
| Taxes, remuneration and social security45 | €20k | €15k | €14k | ▼ 11.9% |
| Taxes450/3 | €20k | €15k | €14k | ▼ 11.9% |
| Other amounts payable47/48 | €5k | €84k | €80k | ▼ 4.7% |
| Accrued charges and deferred income492/3 | - | - | €5k | - |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €46k | €17k | €54k | ▲ 218% |
| + Depreciation and write-downs630 | €3k | €23k | €5k | ▼ 79.5% |
| Operating cash flow (approximation) | €50k | €40k | €58k | ▲ 46.1% |
| Investment in fixed assets (approximation) | - | €-151k | €-97k | ▲ 35.7% |
| Change in cash | - | €-25k | €96k | ▲ 490% |
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
2025
17-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 48 days late
2024
31-12
Financial
Highest result since 2022net €54k ▲218%
Operating result €77k, net result €54k, both a record.
31-12
Financial
Equity above €100kEq €119k ▲82.2%
3 profitable years in a row build equity to €119k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €17k ▼63.6%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Antwerpen · 1 establishment unit since 2021
Ground area
211 m²
Building footprint
115 m²
Volume, LiDAR
1,436 m³
Parcel 11806F1309/00B012, Flanders · tallest building 19.1 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Olhao Nuvem
since 20212.326.786.807
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11806F1309/00B012 | Flanders | 211 m² | 1 · 115 m² | 19.1 m · 4 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 12,738 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
Founded23-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
63920Other information service activities
82990Other business support services
85599Other education
93199Other sports activities
96999Other personal services
Scores and ratios are computed by Checked and are not a credit decision.