OLI'VERT
ActiveSummary
OLI'VERT has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €757k and a net result of €101k. Equity is growing by ~26.1% per year across the filed fiscal years. Its solvency ranks better than 69% of 10407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▼-1
Solvency81▲+3
Growth85=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 3.8 against 3.68 in 2024; short-term debt: 15.7% and cash: 18.9% of total assets), and 43.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
56.4%
Return on assets
7.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
2 d late
2022
60 d late
2021
18 d late
2020
10 d late
2019
46 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.46M▲ 47.7%
2019 · €989k
2018: €890klowest in 3 years
2019: €989k▲ +11.1% vs 2018
2020: €1.46M▲ +47.7% vs 2019highest in 3 years
2018 → 2020
EBIT margin
5.9%▲ 4.9pp
2019 · 1.1%
2018: 2.1%
2019: 1.1%▼ -50.9% vs 2018lowest in 3 years
2020: 5.9%▲ +462% vs 2019highest in 3 years
2018 → 2020
Net result
€101k▲ 0.7%
2024 · €101k
2018: €7k
2019: €-608▼ -108% vs 2018lowest in 8 years
2020: €59k▲ +9876% vs 2019
2021: €107k▲ +80.1% vs 2020
2022: €143k▲ +33.9% vs 2021highest in 8 years
2023: €96k▼ -33.0% vs 2022
2024: €101k▲ +4.6% vs 2023
2025: €101k▲ +0.7% vs 2024
2018 → 2025
Working capital
€592k▲ 23.4%
2024 · €480k
2018: €-38k
2019: €-59k▼ -56.5% vs 2018lowest in 8 years
2020: €82k▲ +240% vs 2019
2021: €298k▲ +263% vs 2020
2022: €364k▲ +22.0% vs 2021
2023: €457k▲ +25.7% vs 2022
2024: €480k▲ +5.0% vs 2023
2025: €592k▲ +23.4% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€316k-€459k▲ 45.4%€555k▲ 20.9%€656k▲ 18.1%€757k▲ 15.4%
2021: €316klowest in 5 years
2022: €459k▲ +45.4% vs 2021
2023: €555k▲ +20.9% vs 2022
2024: €656k▲ +18.1% vs 2023
2025: €757k▲ +15.4% vs 2024highest in 5 years
Operating result€156k-€204k▲ 30.3%€146k▼ 28.1%€165k▲ 12.6%€171k▲ 3.6%
2021: €156k
2022: €204k▲ +30.3% vs 2021highest in 5 years
2023: €146k▼ -28.1% vs 2022lowest in 5 years
2024: €165k▲ +12.6% vs 2023
2025: €171k▲ +3.6% vs 2024
Net result€107k-€143k▲ 33.9%€96k▼ 33.0%€101k▲ 4.6%€101k▲ 0.7%
2021: €107k
2022: €143k▲ +33.9% vs 2021highest in 5 years
2023: €96k▼ -33.0% vs 2022lowest in 5 years
2024: €101k▲ +4.6% vs 2023
2025: €101k▲ +0.7% vs 2024
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.34M
Fixed assets
€540k ▼ 8.2%
Current assets
€803k ▲ 21.9%
Equity and liabilities €1.34M
Equity
€757k ▲ 15.4%
Debt
€586k ▼ 0.9%
Debt's share of the balance-sheet total falls from 47.4% to 43.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€240k▲
2024 · €214k
Cash flow
€171k▲
2024 · €149k
Current ratio
3.80▲
2024 · 3.68
Quick ratio
2.24▲
2024 · 1.86
Debt to equity
0.77▼
2024 · 0.90
ROE
13.4%▼
2024 · 15.3%
ROA
7.5%▼
2024 · 8.1%
Interest coverage
8.01▼
2024 · 8.86
Debt ≤ 1 year
€211k▲
2024 · €179k
Debt > 1 year
€375k▼
2024 · €412k
Income taxes
€43k▼
2024 · €44k
Staff costs
€185k▲
2024 · €175k
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 · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.25M€1.34M▲
Fixed assets21/28€588k€540k▼
Tangible fixed assets22/27€588k€539k▼
Land and buildings22€432k€425k▼
Plant, machinery and equipment23€33k€33k▲
Furniture and vehicles24€122k€81k▼
Financial fixed assets28€610€610=
Current assets29/58€659k€803k▲
Stocks and contracts in progress3€326k€330k▲
Stocks30/36€326k€330k▲
Amounts receivable within one year40/41€53k€28k▼
Trade receivables40€31k€16k▼
Other amounts receivable41€23k€12k▼
Current investments50/53€182k€182k▲
Cash at bank and in hand54/58€90k€254k▲
Deferred charges and accrued income490/1€8k€8k▲
Equity and liabilities
Total equity and liabilities10/49€1.25M€1.34M▲
Equity10/15€656k€757k▲
Contributions10/11€19k€19k=
Reserves13€101k€201k▲
Distributable reserves133€101k€201k▲
Profit (loss) carried forward14€536k€538k▲
Amounts payable17/49€591k€586k▼
Amounts payable after more than one year17€412k€375k▼
Financial debts170/4€412k€375k▼
Amounts payable within one year42/48€179k€211k▲
Current portion of amounts payable after more than one year42€39k€37k▼
Trade debts44€55k€65k▲
Suppliers440/4€55k€65k▲
Advances received on contracts in progress46-€2k
Taxes, remuneration and social security45€38k€46k▲
Taxes450/3€14k€23k▲
Remuneration and social security454/9€24k€22k▼
Other amounts payable47/48€46k€61k▲
Income statement
Code20242025
Remuneration, social security and pensions62€175k€185k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€69k▲
Other operating charges640/8€7k€7k▼
Gross operating margin9900€396k€432k▲
Operating profit (loss)9901€165k€171k▲
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Financial charges65/66B€24k€30k▲
Recurring financial charges65€24k€30k▲
Profit (loss) for the period before taxes9903€145k€145k▼
Income taxes67/77€44k€43k▼
Profit (loss) for the period9904€101k€101k▲
Profit (loss) for the period to be appropriated9905€101k€101k▲
Appropriation of the result
Profit (loss) to be appropriated9906€635k€638k▲
Profit (loss) brought forward from the previous period14P€535k€536k▲
Transfer to equity691/2€99k€100k▲
To other reserves6921€99k€100k▲
Social balance
Average headcount (FTE)90874.74.9▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €160k | €158k | €174k | €175k | €185k | ▲ 5.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €31k | €42k | €48k | €49k | €69k | ▲ 41.8% |
| Other operating charges640/8 | €4k | €4k | €6k | €7k | €7k | ▼ 7.4% |
| Non-recurring operating charges66A | €38 | €116 | - | - | - | - |
| Gross operating margin9900 | €351k | €407k | €374k | €396k | €432k | ▲ 9.0% |
| Operating profit (loss)9901 | €156k | €204k | €146k | €165k | €171k | ▲ 3.6% |
| Financial income75/76B | €2k | €2k | €3k | €4k | €4k | ▼ 6.8% |
| Recurring financial income75 | €2k | €2k | €3k | €4k | €4k | ▼ 6.8% |
| Financial charges65/66B | €26k | €25k | €24k | €24k | €30k | ▲ 24.2% |
| Recurring financial charges65 | €26k | €25k | €24k | €24k | €30k | ▲ 24.2% |
| Profit (loss) for the period before taxes9903 | €132k | €181k | €125k | €145k | €145k | ▼ 0.2% |
| Income taxes67/77 | €25k | €37k | €29k | €44k | €43k | ▼ 2.2% |
| Profit (loss) for the period9904 | €107k | €143k | €96k | €101k | €101k | ▲ 0.7% |
| Profit (loss) for the period to be appropriated9905 | €107k | €143k | €96k | €101k | €101k | ▲ 0.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €988k | €1.13M | €1.19M | €1.25M | €1.34M | ▲ 7.7% |
| Fixed assets21/28 | €546k | €586k | €550k | €588k | €540k | ▼ 8.2% |
| Tangible fixed assets22/27 | €545k | €585k | €549k | €588k | €539k | ▼ 8.2% |
| Land and buildings22 | €460k | €478k | €455k | €432k | €425k | ▼ 1.8% |
| Plant, machinery and equipment23 | €6k | €33k | €38k | €33k | €33k | ▲ 1.4% |
| Furniture and vehicles24 | €80k | €75k | €56k | €122k | €81k | ▼ 33.6% |
| Financial fixed assets28 | €610 | €610 | €610 | €610 | €610 | = |
| Current assets29/58 | €442k | €547k | €637k | €659k | €803k | ▲ 21.9% |
| Stocks and contracts in progress3 | €343k | €407k | €341k | €326k | €330k | ▲ 1.1% |
| Stocks30/36 | €343k | €407k | €341k | €326k | €330k | ▲ 1.1% |
| Amounts receivable within one year40/41 | €44k | €37k | €22k | €53k | €28k | ▼ 47.6% |
| Trade receivables40 | €21k | €19k | €13k | €31k | €16k | ▼ 47.6% |
| Other amounts receivable41 | €23k | €18k | €10k | €23k | €12k | ▼ 47.6% |
| Current investments50/53 | €11k | €521 | €201k | €182k | €182k | ▲ 0.4% |
| Cash at bank and in hand54/58 | €41k | €101k | €67k | €90k | €254k | ▲ 183% |
| Deferred charges and accrued income490/1 | €3k | €2k | €6k | €8k | €8k | ▲ 7.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €988k | €1.13M | €1.19M | €1.25M | €1.34M | ▲ 7.7% |
| Equity10/15 | €316k | €459k | €555k | €656k | €757k | ▲ 15.4% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €2k | €101k | €201k | ▲ 99.1% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | - | - | €2k | €101k | €201k | ▲ 99.1% |
| Profit (loss) carried forward14 | €295k | €439k | €535k | €536k | €538k | ▲ 0.2% |
| Amounts payable17/49 | €672k | €673k | €632k | €591k | €586k | ▼ 0.9% |
| Amounts payable after more than one year17 | €528k | €490k | €451k | €412k | €375k | ▼ 9.1% |
| Financial debts170/4 | €528k | €490k | €451k | €412k | €375k | ▼ 9.1% |
| Amounts payable within one year42/48 | €144k | €183k | €180k | €179k | €211k | ▲ 17.8% |
| Current portion of amounts payable after more than one year42 | €38k | €48k | €48k | €39k | €37k | ▼ 4.6% |
| Trade debts44 | €60k | €74k | €63k | €55k | €65k | ▲ 17.6% |
| Suppliers440/4 | €60k | €74k | €63k | €55k | €65k | ▲ 17.6% |
| Advances received on contracts in progress46 | - | - | - | - | €2k | - |
| Taxes, remuneration and social security45 | €19k | €26k | €26k | €38k | €46k | ▲ 19.2% |
| Taxes450/3 | €8 | €7k | €5k | €14k | €23k | ▲ 67.6% |
| Remuneration and social security454/9 | €19k | €19k | €21k | €24k | €22k | ▼ 8.5% |
| Other amounts payable47/48 | €27k | €34k | €43k | €46k | €61k | ▲ 31.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €107k | €143k | €96k | €101k | €101k | ▲ 0.7% |
| + Depreciation and write-downs630 | €31k | €42k | €48k | €49k | €69k | ▲ 41.8% |
| Operating cash flow (approximation) | €138k | €185k | €144k | €149k | €171k | ▲ 14.2% |
| Investment in fixed assets (approximation) | - | €-82k | €-12k | €-87k | €-21k | ▲ 76.1% |
| Change in cash | - | €60k | €-33k | €22k | €164k | ▲ 639% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 2 days late
2023
31-12
Financial
Equity above €500kEq €555k ▲20.9%
4 profitable years in a row build equity to €555k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 60 days late
2022
31-12
Financial
Highest result since 2018net €143k ▲33.9%
Operating result €204k, net result €143k, both a record.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 18 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 3.07
Current ratio from 1.28 to 3.07; short-term debt falls from €295k to €144k.
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 10 days late
2020
31-12
Financial
Back to profitnet €59k
Net result €59k after one loss-making year.
31-12
Financial
Equity above €200kEq €209k ▲39.8%
Equity rises from €149k to €209k.
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2019
31-12
Financial
Weakest financial yearnet €-608
Net result drops to €-608, the lowest in the series; recovery starts the following year.
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Fleurus · 1 establishment unit since 1998
Ground area
4,939 m²
Building footprint
1,790 m²
Volume, LiDAR
9,080 m³
2 parcels, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OLI'VERT
since 19982.088.018.238
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52032B0239/00F002 | Wallonia | 4,121 m² | 1 · 1,661 m² | 8.0 m · 2 fl. |
| 52058A0257/00M000indicative | Wallonia | 817 m² | 1 · 130 m² | 6.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 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
Food safety, FASFC
1 siteCharleroi2.088.018.238
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Of 3,386 companies in sector 47761 we hold annual accounts for 1,156. 742 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
Founded13-07-1998
Fiscal year end31-12
Activities, NACEBEL 2025
47761Retail sale of flowers, plants, seeds and fertilisers
47762Retail sale of pets, pet food and pet supplies
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
Scores and ratios are computed by Checked and are not a credit decision.