OLIVIER CASTERMANT
ActiveOLIVIER CASTERMANT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94k and a net result of €22k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 82% of 11238 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+20
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.93 against 1.96 in 2024; short-term debt: 18.2% and cash: 38.8% of total assets), and 18.2% 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 · 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
81.8%
Return on assets
19%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 late
2023
30 d late
2022
36 d late
2021
52 d late
2020
61 d late
2019
92 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€94k▲ 30.2%
2024 · €72k
2018: €40k
2019: €34k
2020: €37k
2021: €23k
2022: €46k
2023: €66k
2024: €72k
2018 → 2025
Total assets
€115k▲ 23.6%
2024 · €93k
2018: €60k
2019: €54k
2020: €46k
2021: €43k
2022: €66k
2023: €81k
2024: €93k
2018 → 2025
Net result
€22k▲ 233%
2024 · €7k
2018: €-6k
2019: €-5k
2020: €3k
2021: €-15k
2022: €24k
2023: €19k
2024: €7k
2018 → 2025
Working capital
€41k▲ 102%
2024 · €20k
2018: €38k
2019: €34k
2020: €24k
2021: €8k
2022: €33k
2023: €50k
2024: €20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€46k▲ 106%€66k▲ 41.7%€72k▲ 10.0%€94k▲ 30.2%
Operating result€-15k-€24k€26k▲ 7.6%€9k▼ 64.2%€28k▲ 202%
Net result€-15k-€24k€19k▼ 18.8%€7k▼ 66.2%€22k▲ 233%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 202% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €115k
Fixed assets
€54k▲ 2.5%
Current assets
€62k▲ 50.5%
Equity and liabilities €115k
Equity
€94k▲ 30.2%
Debt
€21k▲ 0.6%
The debt ratio falls from 22.4% to 18.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€29k▲
2024 · €10k
Cash flow
€22k▲
2024 · €7k
Solvency
81.8%▲
2024 · 77.6%
Current ratio
2.93▲
2024 · 1.96
Quick ratio
2.93▲
2024 · 1.96
Debt / equity
0.22▼
2024 · 0.29
ROE
23.2%▲
2024 · 9.1%
ROA
19.0%▲
2024 · 7.0%
Interest coverage
156.80▲
2024 · 5.36
Debt
€21k▲
2024 · €21k
Debt ≤ 1 year
€21k▲
2024 · €21k
Income taxes
€6k▲
2024 · €3k
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€93k€115k▲
Fixed assets21/28€52k€54k▲
Tangible fixed assets22/27€565€2k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€565-
Financial fixed assets28€52k€52k▼
Current assets29/58€41k€62k▲
Amounts receivable within one year40/41€17k€17k▼
Trade receivables40€10k€10k▼
Other amounts receivable41€7k€7k=
Cash at bank and in hand54/58€24k€45k▲
Equity and liabilities
Total equity and liabilities10/49€93k€115k▲
Equity10/15€72k€94k▲
Contributions10/11€6k€6k=
Reserves13€28k€50k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€26k€48k▲
Profit (loss) carried forward14€38k€38k=
Amounts payable17/49€21k€21k▲
Amounts payable within one year42/48€21k€21k▲
Trade debts44€7k€10k▲
Suppliers440/4€7k€10k▲
Taxes, remuneration and social security45€9k€11k▲
Taxes450/3€9k€11k▲
Other amounts payable47/48€5k€38▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€564€615▲
Other operating charges640/8€437€405▼
Gross operating margin9900€10k€29k▲
Operating profit (loss)9901€9k€28k▲
Financial income75/76B€2k€30▼
Recurring financial income75€2k€30▼
Financial charges65/66B€2k€183▼
Recurring financial charges65€2k€183▼
Profit (loss) for the period before taxes9903€9k€28k▲
Income taxes67/77€3k€6k▲
Profit (loss) for the period9904€7k€22k▲
Profit (loss) for the period to be appropriated9905€7k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€60k▲
Profit (loss) brought forward from the previous period14P€38k€38k=
Transfer to equity691/2€7k€22k▲
To other reserves6921€7k€22k▲
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
05-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 36 days late
2022
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 52 days late
2021
31-12
Financial
Weakest financial yearnet €-15k ▼567%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mons · 1 establishment unit since 2006
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.
Chaussée du Roi Baudouin 1937031 MonsGround area
4,427 m²
Building footprint
84 m²
Volume, LiDAR
679 m³
Parcel 55048A0039/00R000, Wallonia · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Sprl Olivier CASTERMANT
since 20062.151.974.791
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55048A0039/00R000 | Wallonia | 4,427 m² | 1 · 84 m² | 9.6 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.
Similar companies · same sector, comparable size
DECOMEN
BE 0479.732.207
Zedelgem · Eq €94k
BERKELEY INTERNATIONAL AIRLINES SERVICES
BE 0478.141.803
Sint-Joost-ten-Node · Eq €95k
Boudewijn Autocenter
BE 0771.416.947
Antwerpen · Eq €95k
B-TRADE
BE 0791.586.613
Mons · Eq €93k
SINGLETON CONSULTING
BE 0889.458.722
Mol · Eq €93k
Of 4,428 companies in sector 46180 we hold annual accounts for 1,887. 1,420 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2006
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
51180
70200Business and other management consultancy
70220Business consulting
74142
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.