OLIVA · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of OLIVA is 3.7% (moderate). The 2025 annual accounts show equity of €80k and a net result of €48k. Its solvency ranks better than 75% of 157 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-03-2026, 122 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	31-03-2026	122 d early	2026-00068638
31-12-2024	31-07-2025	20-01-2026	173 d late	2026-00010473
31-12-2023	31-07-2024	15-01-2026	533 d late	2026-00008217

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

3.7% Moderate

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€48k

Working capital€33k

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 31-03-2026 with the NBB · fiscal year 2025 · verkort

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 56, Food & beverage service · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	55.4%	32.6%	better than 75% of 157 sector peers
Net result	€48k	€18k	better than 65% of 157 sector peers
Equity	€80k	€105k	better than 45% of 157 sector peers
Gross operating margin	€143k	€311k	better than 35% of 156 sector peers
Staff costs	€54k	€231k	higher than 14% of 130 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€87k

+325.6% 24-25

Net profit

€48k

- 24-25

Cash flow

€72k

+311.6% 24-25

Total assets

€145k

+14.2% 24-25

Equity

€80k

+149.0% 24-25

Working capital

€33k

- 24-25

Employees (FTE)

1

-29.4% 24-25

Staff costs

€54k

-20.7% 24-25

Income taxes

€12k

+4010.1% 24-25

Debt

€65k

-31.7% 24-25

Debt ≤ 1y

€65k

-31.7% 24-25

Current ratio

1.51

+134.9% 24-25

Quick ratio

1.43

+142.8% 24-25

Solvency

55.4%

+118.0% 24-25

Debt / equity

0.81

-72.6% 24-25

ROE

59.8%

- 24-25

ROA

33.1%

- 24-25

Interest coverage

27.36

+254.0% 24-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	verkort
Revenue	-
EBITDA	€87k
Net profit	€48k
Cash flow	€72k
Staff costs	€54k
Income taxes	€12k
Dividends	-
Total assets	€145k
Equity	€80k
Debt	€65k
of which ≤ 1y	€65k
of which > 1y	-
Working capital	€33k
Employees (FTE)	1.2

Ratios (computed)

	2025
Current ratio	1.51
Quick ratio	1.43
Working capital ratio	22.7%
Solvency	55.4%
Debt / equity	0.81
Long-term debt ratio	-
Interest coverage	27.36
Gross margin	-
Net margin	-
ROA	33.1%
ROE	59.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €47k · 32.6% Current assets €98k · 67.4%

Equity & liabilities

Equity €80k · 55.4% Debt €65k · 44.6%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€145k
Fixed assets	21/28	€47k
Intangible fixed assets	21	€14k
Tangible fixed assets	22/27	€33k
Current assets	29/58	€98k
Stocks & contracts in progress	3	€5k
Amounts receivable within one year	40/41	€4k
Cash & bank	54/58	€88k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€145k
Equity	10/15	€80k
Contributions / capital	10/11	€3k
Accumulated profits (losses)	14	€78k
Amounts payable	17/49	€65k
Amounts payable within one year	42/48	€65k
Trade debts payable within one year	44	€28k
Income statement
Gross operating margin	9900	€143k
Operating result	9901	€63k
Financial charges	65	€3k
Result before taxes	9903	€60k
Income taxes	67/77	€12k
Net result for the period	9904	€48k
Result to be appropriated	9905	€48k

You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

100 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Graaf d'Ursellaan 118301 Knokke-Heist

Establishment units

1 location

OLIVA

Graaf d'Ursellaan 11, 8301 Knokke-HeistEetgelegenheden met volledige bediening

since 20232.345.370.126

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area166 m²

Buildings1

Building footprint255 m²

Volume (LiDAR)3,780 m³

Tallest building26.6 m · ±7 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31336H0055/00_000	Flanders	166 m²	1 · 255 m²	26.6 m · 7 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

92 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 100

Solvency 86

Growth 78

Stability 94

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