OLIVAM 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 €60k and a net result of €59k. Its solvency ranks better than 39% of 2425 sector peers (fiscal year 2025). The company has been active since 2025 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 advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€60k
Net result
€59k
Total assets
€159k
Solvency
37.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €159k
Fixed assets
€45k
Current assets
€114k
Equity and liabilities €159k
Equity
€60k
Debt
€99k
Debt finances 62.3% of the balance-sheet total.
Key figures and ratios
Solvency
37.7%
ROE
98.3%
ROA
37.1%
Debt
€99k
Debt ≤ 1 year
€99k
Income taxes
€16k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€159k
Fixed assets21/28€45k
Tangible fixed assets22/27€45k
Furniture and vehicles24€45k
Current assets29/58€114k
Amounts receivable within one year40/41€17k
Trade receivables40€17k
Cash at bank and in hand54/58€96k
Deferred charges and accrued income490/1€1k
Equity and liabilities
Total equity and liabilities10/49€159k
Equity10/15€60k
Contributions10/11€1k
Profit (loss) carried forward14€59k
Amounts payable17/49€99k
Amounts payable within one year42/48€99k
Trade debts44€222
Suppliers440/4€222
Taxes, remuneration and social security45€24k
Taxes450/3€24k
Other amounts payable47/48€74k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k
Other operating charges640/8€567
Gross operating margin9900€90k
Operating profit (loss)9901€77k
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€2k
Recurring financial charges65€2k
Profit (loss) for the period before taxes9903€75k
Income taxes67/77€16k
Profit (loss) for the period9904€59k
Profit (loss) for the period to be appropriated9905€59k
Appropriation of the result
Profit (loss) to be appropriated9906€59k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
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, Izegem · 1 establishment unit since 2025
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.
Gentseheerweg 448870 IzegemGround area
648 m²
Building footprint
120 m²
Volume, LiDAR
1,058 m³
Parcel 36493B0309/00A008, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OLIVAM
since 20252.372.424.515
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36493B0309/00A008 | Flanders | 648 m² | 1 · 120 m² | 11.6 m · 3 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 1,507 companies in sector 66199 we hold annual accounts for 917. 571 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2025
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.