OLIV
ActiveOLIV has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €158k and a net result of €-5k. Equity is growing by ~19.4% per year across the filed fiscal years. Its solvency ranks better than 51% of 7687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
70
/ 100
Healthy▼ -16 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-61
Solvency96▲+3
Growth52=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.65 against 2.2 in 2024), and 48.3% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.7%
Return on assets
-1.6%
Age of the figures
17 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
3 d early
2023
715 d late
2022
4 d early
2021
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close13-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€158k▼ 2.9%
2024 · €163k
2021: €49k
2022: €74k
2023: €143k
2024: €163k
2021 → 2025
Total assets
€306k▼ 9.9%
2024 · €339k
2021: €218k
2022: €229k
2023: €351k
2024: €339k
2021 → 2025
Net result
€-5k
2024 · €20k
2021: €36k
2022: €25k
2023: €69k
2024: €20k
2021 → 2025
Working capital
€96k▲ 9.2%
2024 · €88k
2021: €26k
2022: €55k
2023: €56k
2024: €88k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€74k▲ 52.4%€143k▲ 93.3%€163k▲ 13.9%€158k▼ 2.9%
Operating result€47k-€38k▼ 19.4%€92k▲ 142%€34k▼ 63.0%€-3k
Net result€36k-€25k▼ 28.9%€69k▲ 171%€20k▼ 71.2%€-5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €34k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €306k
Fixed assets
€152k▼ 15.0%
Current assets
€154k▼ 4.2%
Equity and liabilities €306k
Equity
€158k▼ 2.9%
Debt
€148k▼ 16.3%
The debt ratio falls from 52.0% to 48.3%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€23k▼
2024 · €59k
Cash flow
€20k▼
2024 · €45k
Solvency
51.7%▲
2024 · 48.0%
Current ratio
2.65▲
2024 · 2.20
Quick ratio
2.65▲
2024 · 2.20
Debt / equity
0.93▼
2024 · 1.08
ROE
-3.0%▼
2024 · 12.2%
ROA
-1.6%▼
2024 · 5.9%
Interest coverage
5.40▼
2024 · 7.88
Debt
€148k▼
2024 · €176k
Debt ≤ 1 year
€58k▼
2024 · €73k
Debt > 1 year
€88k▼
2024 · €102k
Income taxes
€140▼
2024 · €7k
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€339k€306k▼
Fixed assets21/28€178k€152k▼
Tangible fixed assets22/27€173k€148k▼
Land and buildings22€108k€103k▼
Furniture and vehicles24€66k€45k▼
Financial fixed assets28€5k€3k▼
Current assets29/58€161k€154k▼
Current investments50/53€75k-
Cash at bank and in hand54/58€85k€154k▲
Deferred charges and accrued income490/1€1k€388▼
Equity and liabilities
Total equity and liabilities10/49€339k€306k▼
Equity10/15€163k€158k▼
Contributions10/11€2k€2k=
Reserves13€26k€26k=
Non-distributable reserves130/1€540€540=
Reserves not available under the articles1311€540€540=
Distributable reserves133€25k€25k=
Profit (loss) carried forward14€135k€130k▼
Amounts payable17/49€176k€148k▼
Amounts payable after more than one year17€102k€88k▼
Financial debts170/4€102k€88k▼
Amounts payable within one year42/48€73k€58k▼
Current portion of amounts payable after more than one year42€14k€13k▼
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€19k€5k▼
Taxes450/3€18k€3k▼
Remuneration and social security454/9€1k€2k▲
Other amounts payable47/48€39k€38k▼
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€25k▼
Other operating charges640/8€955€1k▲
Gross operating margin9900€60k€24k▼
Operating profit (loss)9901€34k€-3k▼
Financial income75/76B€190€2k▲
Recurring financial income75€190€2k▲
Financial charges65/66B€8k€4k▼
Recurring financial charges65€8k€4k▼
Profit (loss) for the period before taxes9903€27k€-5k▼
Income taxes67/77€7k€140▼
Profit (loss) for the period9904€20k€-5k▼
Profit (loss) for the period to be appropriated9905€20k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€135k€130k▼
Profit (loss) brought forward from the previous period14P€115k€135k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
15-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 715 days late
31-03
Financial
Weakest financial yearnet €-5k ▼124%
Net result drops to €-5k, the lowest in the series.
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Equity above €150kEq €163k ▲13.9%
4 profitable years in a row build equity to €163k.
2023
31-03
Financial
Highest result since 2021net €69k ▲171%
Operating result €92k, net result €69k, both a record.
31-03
Financial
Equity above €100kEq €143k ▲93.3%
3 profitable years in a row build equity to €143k.
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Truiden · 1 establishment unit since 2018
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.
Schurhoven 713800 Sint-TruidenGround area
85 m²
Building footprint
63 m²
Volume, LiDAR
436 m³
Parcel 71352D0677/00N000, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OLIV
since 20182.280.159.204
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71352D0677/00N000 | Flanders | 85 m² | 1 · 62 m² | 10.3 m · 2 fl. |
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.
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Of 24,424 companies in sector 82990 we hold annual accounts for 9,361. 7,064 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-09-2018
Fiscal year end31-03
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.