OLIVAN
ActiveOLIVAN has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.38M and a net result of €-75k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 76% of 8657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-2
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 0.28 in 2024; short-term debt: 9.4% and cash: 10.6% of total assets), and 19.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
80.1%
Return on assets
-4.4%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-75k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
8 d early
2023
10 d early
2022
30 d late
2021
31 d late
2020
9 d early
2019
90 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.38M▼ 5.2%
2024 · €1.45M
2019: €1.52M
2020: €1.54M
2021: €1.60M
2022: €1.58M
2023: €1.51M
2024: €1.45M
2019 → 2025
Total assets
€1.72M▼ 2.4%
2024 · €1.76M
2019: €2.01M
2020: €2.00M
2021: €2.09M
2022: €2.08M
2023: €1.86M
2024: €1.76M
2019 → 2025
Net result
€-75k▼ 36.2%
2024 · €-55k
2019: €-94k
2020: €-17k
2021: €59k
2022: €-24k
2023: €-74k
2024: €-55k
2019 → 2025
Working capital
€43k
2024 · €-114k
2019: €-184k
2020: €-149k
2021: €352k
2022: €-19k
2023: €-170k
2024: €-114k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.60M-€1.58M▼ 1.5%€1.51M▼ 4.7%€1.45M▼ 3.6%€1.38M▼ 5.2%
Operating result€108k-€-23k€-72k▼ 210%€-51k▲ 29.4%€-82k▼ 60.9%
Net result€59k-€-24k€-74k▼ 212%€-55k▲ 25.4%€-75k▼ 36.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €82k in 2025 against €51k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.72M
Fixed assets
€1.51M▼ 11.7%
Current assets
€204k▲ 352%
Equity and liabilities €1.72M
Equity
€1.38M▼ 5.2%
Provisions
€119k▼ 4.3%
Debt
€224k▲ 20.1%
The debt ratio rises from 10.6% to 13.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-48k▼
2024 · €-17k
Cash flow
€-40k▼
2024 · €-21k
Solvency
80.1%▼
2024 · 82.4%
Current ratio
1.27▲
2024 · 0.28
Quick ratio
1.27▲
2024 · 0.28
Debt / equity
0.16▲
2024 · 0.13
ROE
-5.4%▼
2024 · -3.8%
ROA
-4.4%▼
2024 · -3.1%
Interest coverage
-4.61▼
2024 · -1.22
Debt
€224k▲
2024 · €186k
Debt ≤ 1 year
€161k▲
2024 · €159k
Debt > 1 year
€50k
Staff costs
€36k▲
2024 · €34k
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€1.76M€1.72M▼
Fixed assets21/28€1.72M€1.51M▼
Tangible fixed assets22/27€930k€894k▼
Land and buildings22€915k€885k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€11k€8k▼
Financial fixed assets28€786k€621k▼
Current assets29/58€45k€204k▲
Amounts receivable within one year40/41€15k€7k▼
Trade receivables40€13k€4k▼
Other amounts receivable41€3k€3k▲
Cash at bank and in hand54/58€14k€182k▲
Deferred charges and accrued income490/1€16k€16k▼
Equity and liabilities
Total equity and liabilities10/49€1.76M€1.72M▼
Equity10/15€1.45M€1.38M▼
Contributions10/11€19k€19k=
Reserves13€1.43M€1.36M▼
Tax-exempt reserves132€372k€356k▼
Distributable reserves133€1.06M€1.00M▼
Provisions and deferred taxes16€124k€119k▼
Deferred taxes168€124k€119k▼
Amounts payable17/49€186k€224k▲
Amounts payable after more than one year17-€50k
Financial debts170/4-€50k
Amounts payable within one year42/48€159k€161k▲
Trade debts44€2k€9k▲
Suppliers440/4€2k€9k▲
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€3k€1k▼
Remuneration and social security454/9€6k€5k▼
Other amounts payable47/48€148k€145k▼
Accrued charges and deferred income492/3€28k€13k▼
Income statement
Code20242025
Non-recurring operating income76A-€924
Remuneration, social security and pensions62€34k€36k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€34k▲
Other operating charges640/8€7k€7k▼
Gross operating margin9900€24k€-6k▼
Operating profit (loss)9901€-51k€-82k▼
Financial income75/76B€5k€13k▲
Recurring financial income75€5k€13k▲
Financial charges65/66B€14k€10k▼
Recurring financial charges65€14k€10k▼
Profit (loss) for the period before taxes9903€-60k€-80k▼
Transfer from deferred taxes780€5k€5k=
Profit (loss) for the period9904€-55k€-75k▼
Transfer from tax-exempt reserves789€16k€16k=
Profit (loss) for the period to be appropriated9905€-39k€-59k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-39k€-59k▼
Transfer from equity791/2€39k€59k▲
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (12 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
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
31-12
Financial
Liquidity quadruplescurrent ratio 1.27
Current ratio from 0.28 to 1.27.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
21-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Back to profitnet €59k
Net result €59k after 2 loss-making years.
31-12
Financial
Liquidity times 7current ratio 2.05
Current ratio from 0.31 to 2.05.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 90 days late
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
10-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Knokke-Heist · 1 establishment unit since 1998
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.
Kalfhoek 58300 Knokke-HeistGround area
902 m²
Building footprint
254 m²
Volume, LiDAR
1,307 m³
Parcel 31333K0566/00X000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kalfhoek 5, 8300 Knokke-Heist
since 19982.086.813.557
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31333K0566/00X000 | Flanders | 902 m² | 1 · 254 m² | 9.1 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.
Similar companies · same sector, comparable size
SALMANCO
BE 0477.785.772
Kortrijk · Eq €1.38M
ORMOND
BE 0870.442.762
Liège · Eq €1.38M
Regnology Belgium
BE 0671.806.756
Brussel · Eq €1.38M
GREEN VILLAGE DEVELOPMENTS
BE 0477.727.770
Knokke-Heist · Eq €1.38M
IQ-MANAGEMENT
BE 0468.729.041
Antwerpen · Eq €1.38M
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 24,324 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-04-1998
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.