OLIVIER
ActiveSummary
OLIVIER has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€29,035) and a net result of -€2,190. Equity is shrinking by ~2.5% per year across the filed fiscal years. Its solvency ranks better than 9% of 4711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-9
Solvency0=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.38 against 0.9 in 2024; short-term debt: 72.3% and cash: 36% of total assets), and equity is negative.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-202.9%
Return on assets
-15.3%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€29,035
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
31 d early
2023
31 d late
2022
31 d late
2021
31 d early
2020
31 d early
2019
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 4 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, micro schema
Equity
-€29,035▼ 8.2%
2024 · -€26,846
Total assets
€14,309▼ 16.2%
2024 · €17,067
Net result
-€2,190▼ 14.3%
2024 · -€1,916
Working capital
€3,965
2024 · -€1,846
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€381▼ 94.3%€178▼ 53.3%-€1,326-€738▲ 44.4%-€929▼ 25.9%
Net result-€630within the sector's middle half-€712within the sector's middle half▼ 13.0%-€2,446within the sector's middle half▼ 244%-€1,916within the sector's middle half▲ 21.7%-€2,190within the sector's middle half▼ 14.3%
Equity-€21,772below the sector's middle half▼ 3.0%-€22,484below the sector's middle half▼ 3.3%-€24,930below the sector's middle half▼ 10.9%-€26,846below the sector's middle half▼ 7.7%-€29,035below the sector's middle half▼ 8.2%
Total assets€16,742below the sector's middle half▼ 8.0%€17,009below the sector's middle half▲ 1.6%€17,176below the sector's middle half▲ 1.0%€17,067below the sector's middle half▼ 0.6%€14,309below the sector's middle half▼ 16.2%
Debt€38,515▼ 2.1%€39,493▲ 2.5%€42,105▲ 6.6%€43,913▲ 4.3%€43,344▼ 1.3%
Working capital-€1,772within the sector's middle half▼ 55.1%€2,516within the sector's middle half€70within the sector's middle half▼ 97.2%-€1,846within the sector's middle half€3,965within the sector's middle half
Solvency-130.0%below the sector's middle half▼ 13.9pp-132.2%below the sector's middle half▼ 2.1pp-145.1%below the sector's middle half▼ 13.0pp-157.3%below the sector's middle half▼ 12.2pp-202.9%below the sector's middle half▼ 45.6pp
Current ratio0.90within the sector's middle half▼ 0.041.17within the sector's middle half▲ 0.271.00within the sector's middle half▼ 0.170.90within the sector's middle half▼ 0.101.38within the sector's middle half▲ 0.48
Return on assets (ROA)-3.8%within the sector's middle half▼ 35.8pp-4.2%within the sector's middle half▼ 0.4pp-14.2%below the sector's middle half▼ 10.1pp-11.2%below the sector's middle half▲ 3.0pp-15.3%below the sector's middle half▼ 4.1pp
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €929 in 2025 against €738 in 2024; the loss grows.
Key figures and ratios
Quick ratio
0.57▲
2024 · 0.31
Debt to equity
-1.49▲
2024 · -1.64
Debt ≤ 1 year
€10,344▼
2024 · €18,913
Debt > 1 year
€33,000▲
2024 · €25,000
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,639 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.1%
went bankrupt
9.8%
stopped otherwise
84%
still going
A further 2.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,639 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €521 | €1,146 | €997 | €980 | €2,289 | ▲ 134% |
| Gross operating margin9900 | €902 | €1,324 | -€329 | €242 | €1,360 | ▲ 461% |
| Operating profit (loss)9901 | €381 | €178 | -€1,326 | -€738 | -€929 | ▼ 25.9% |
| Financial income75/76B | €29 | - | - | - | - | - |
| Recurring financial income75 | €29 | - | - | - | - | - |
| Financial charges65/66B | €1,041 | €890 | €1,120 | €1,179 | €1,261 | ▲ 7.0% |
| Recurring financial charges65 | €1,041 | €890 | €1,120 | €1,179 | €1,261 | ▲ 7.0% |
| Profit (loss) for the period before taxes9903 | -€630 | -€712 | -€2,446 | -€1,916 | -€2,190 | ▼ 14.3% |
| Profit (loss) for the period9904 | -€630 | -€712 | -€2,446 | -€1,916 | -€2,190 | ▼ 14.3% |
| Profit (loss) for the period to be appropriated9905 | -€630 | -€712 | -€2,446 | -€1,916 | -€2,190 | ▼ 14.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €16,742 | €17,009 | €17,176 | €17,067 | €14,309 | ▼ 16.2% |
| Current assets29/58 | €16,742 | €17,009 | €17,176 | €17,067 | €14,309 | ▼ 16.2% |
| Stocks and contracts in progress3 | €12,512 | €12,625 | €10,197 | €11,199 | €8,422 | ▼ 24.8% |
| Stocks30/36 | €12,512 | €12,625 | €10,197 | €11,199 | €8,422 | ▼ 24.8% |
| Amounts receivable within one year40/41 | - | - | €2,007 | €4,728 | €737 | ▼ 84.4% |
| Trade receivables40 | - | - | €1,668 | €4,055 | - | - |
| Other amounts receivable41 | - | - | €339 | €673 | €737 | ▲ 9.6% |
| Cash at bank and in hand54/58 | €4,231 | €4,384 | €4,972 | €1,139 | €5,150 | ▲ 352% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €16,742 | €17,009 | €17,176 | €17,067 | €14,309 | ▼ 16.2% |
| Equity10/15 | -€21,772 | -€22,484 | -€24,930 | -€26,846 | -€29,035 | ▼ 8.2% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | €18,600 | €18,600 | - | - | - | - |
| Issued capital100 | €18,600 | €18,600 | - | - | - | - |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | - | - |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | - | - |
| Legal reserve130 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €1,860 | €1,860 | - | - |
| Profit (loss) carried forward14 | -€42,232 | -€42,944 | -€45,390 | -€47,306 | -€47,635 | ▼ 0.7% |
| Amounts payable17/49 | €38,515 | €39,493 | €42,105 | €43,913 | €43,344 | ▼ 1.3% |
| Amounts payable after more than one year17 | €20,000 | €25,000 | €25,000 | €25,000 | €33,000 | ▲ 32.0% |
| Financial debts170/4 | €20,000 | €25,000 | €25,000 | €25,000 | €33,000 | ▲ 32.0% |
| Amounts payable within one year42/48 | €18,515 | €14,493 | €17,105 | €18,913 | €10,344 | ▼ 45.3% |
| Financial debts43 | - | - | €195 | €317 | €297 | ▼ 6.2% |
| Credit institutions430/8 | - | - | €195 | €317 | €297 | ▼ 6.2% |
| Trade debts44 | €10,152 | €8,993 | €9,111 | €10,804 | €8,103 | ▼ 25.0% |
| Suppliers440/4 | €10,152 | €8,993 | €9,111 | €10,804 | €8,103 | ▼ 25.0% |
| Taxes, remuneration and social security45 | €521 | €1,409 | €2,789 | €1,564 | €1,678 | ▲ 7.3% |
| Taxes450/3 | €521 | €1,409 | €2,789 | €1,564 | €1,678 | ▲ 7.3% |
| Other amounts payable47/48 | €7,842 | €4,090 | €5,010 | €6,228 | €265 | ▼ 95.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€630 | -€712 | -€2,446 | -€1,916 | -€2,190 | ▼ 14.3% |
| Operating cash flow (approximation) | -€630 | -€712 | -€2,446 | -€1,916 | -€2,190 | ▼ 14.3% |
| Change in cash | - | €153 | €588 | -€3,833 | €4,010 | ▲ 205% |
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 · micro schema · 31 days late
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet -€2,446
Net result drops to -€2,446, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €5,834
Net result €5,834 after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
30-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
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, Gent · 1 establishment unit since 1990
Ground area
118 m²
Building footprint
118 m²
Volume, LiDAR
1,174 m³
Parcel 44808H0001/00K034, Flanders · tallest building 17.3 m, ±5 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Kortrijksesteenweg 383, 9000 Gent
since 19902.048.074.925
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44808H0001/00K034 | Flanders | 118 m² | 1 · 118 m² | 17.3 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
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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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 21,734 companies in sector 96210 we hold annual accounts for 2,835. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded31-01-1990
Fiscal year end31-12
Activities, NACEBEL 2025
96210Hairdressing and barber services
46450Wholesale of perfume and cosmetics
47770Retail sale of watches and jewellery
E-invoicing
Reachable via Peppol
Peppol ID
0208:0440118494
Also
9925:BE0440118494
Registered
24-11-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.