OLLIVIER
ActiveOLLIVIER has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.00M and a net result of €-103k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 42% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▲+2
Solvency54▼-1
Growth50▲+2
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.6 in 2024; short-term debt: 35.6% and cash: 0.8% of total assets), and 70.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
29.5%
Return on assets
-0.8%
Age of the figures
9 mo
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
25 d late
2023
5 d late
2022
31 d late
2021
12 d early
2020
18 d early
2019
3 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€38.91M▲ 11.7%
2024 · €34.84M
2018: €30.79M
2019: €44.75M
2020: €45.86M
2021: €39.06M
2022: €40.57M
2023: €41.04M
2024: €34.84M
2018 → 2025
EBIT margin
0.2%▼ 1.0pp
2024 · 1.2%
2018: 1.6%
2019: 1.3%
2020: 1.1%
2021: 1.5%
2022: 0.6%
2023: 0.8%
2024: 1.2%
2018 → 2025
Net result
€-103k
2024 · €46k
2018: €252k
2019: €295k
2020: €316k
2021: €351k
2022: €12k
2023: €-34k
2024: €46k
2018 → 2025
Working capital
€1.96M▼ 30.9%
2024 · €2.84M
2018: €974k
2019: €2.42M
2020: €2.63M
2021: €2.81M
2022: €2.82M
2023: €2.80M
2024: €2.84M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€39.06M-€40.57M▲ 3.9%€41.04M▲ 1.2%€34.84M▼ 15.1%€38.91M▲ 11.7%
Equity€4.08M-€4.09M▲ 0.3%€4.06M▼ 0.8%€4.10M▲ 1.1%€4.00M▼ 2.5%
Operating result€596k-€254k▼ 57.3%€340k▲ 33.7%€418k▲ 22.9%€83k▼ 80.1%
Net result€351k-€12k▼ 96.7%€-34k€46k€-103k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 80% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13.56M
Fixed assets
€6.78M▲ 12.4%
Current assets
€6.79M▼ 10.6%
Equity and liabilities €13.56M
Equity
€4.00M▼ 2.5%
Debt
€9.56M▲ 0.5%
The debt ratio rises from 69.9% to 70.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€579k▼
2024 · €932k
Cash flow
€393k▼
2024 · €561k
Solvency
29.5%▼
2024 · 30.1%
Current ratio
1.41▼
2024 · 1.60
Quick ratio
0.67▼
2024 · 0.67
Debt / equity
2.39▲
2024 · 2.32
ROE
-2.6%▼
2024 · 1.1%
ROA
-0.8%▼
2024 · 0.3%
Interest coverage
4.43▲
2024 · 3.60
Debt
€9.56M▲
2024 · €9.52M
Debt ≤ 1 year
€4.82M▲
2024 · €4.75M
Debt > 1 year
€4.74M▼
2024 · €4.77M
Income taxes
€3k▼
2024 · €41k
Staff costs
€3.01M▲
2024 · €2.83M
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€13.62M€13.56M▼
Fixed assets21/28€6.03M€6.78M▲
Tangible fixed assets22/27€6.03M€6.78M▲
Land and buildings22€2.40M€3.04M▲
Plant, machinery and equipment23€214k€349k▲
Furniture and vehicles24€104k€338k▲
Leasing and similar rights25€3.31M€3.05M▼
Financial fixed assets28€781€781=
Other financial fixed assets284/8€781€781=
Amounts receivable and cash guarantees285/8€781€781=
Current assets29/58€7.59M€6.79M▼
Stocks and contracts in progress3€4.40M€3.55M▼
Stocks30/36€4.40M€3.55M▼
Goods purchased for resale34€4.40M€3.55M▼
Amounts receivable within one year40/41€2.85M€3.10M▲
Trade receivables40€1.72M€1.73M▲
Other amounts receivable41€1.14M€1.37M▲
Cash at bank and in hand54/58€323k€113k▼
Deferred charges and accrued income490/1€19k€19k▲
Equity and liabilities
Total equity and liabilities10/49€13.62M€13.56M▼
Equity10/15€4.10M€4.00M▼
Contributions10/11€186k€186k=
Capital10€186k€186k=
Issued capital100€186k€186k=
Revaluation surpluses12€364k€364k=
Reserves13€19k€19k=
Non-distributable reserves130/1€19k€19k=
Legal reserve130€19k€19k=
Profit (loss) carried forward14€3.53M€3.43M▼
Amounts payable17/49€9.52M€9.56M▲
Amounts payable after more than one year17€4.77M€4.74M▼
Financial debts170/4€4.77M€4.74M▼
Leasing and similar obligations172€3.24M€3.02M▼
Credit institutions173€1.53M€1.72M▲
Amounts payable within one year42/48€4.75M€4.82M▲
Current portion of amounts payable after more than one year42€471k€522k▲
Financial debts43€1.07M€1.34M▲
Credit institutions430/8€1.07M€1.34M▲
Trade debts44€2.82M€2.51M▼
Suppliers440/4€2.82M€2.51M▼
Advances received on contracts in progress46€15k€27k▲
Taxes, remuneration and social security45€377k€432k▲
Taxes450/3€33k€91k▲
Remuneration and social security454/9€345k€342k▼
Income statement
Code20242025
Operating income70/76A€38.46M€41.53M▲
Turnover70€34.84M€38.91M▲
Other operating income74€3.62M€2.62M▼
Operating charges60/66A€38.04M€41.45M▲
Goods for resale, raw materials and consumables60€32.88M€35.87M▲
Purchases600/8€26.28M€35.03M▲
Change in stocks: decrease (increase)609€6.60M€844k▼
Services and other goods61€1.69M€1.94M▲
Remuneration, social security and pensions62€2.83M€3.01M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€515k€496k▼
Other operating charges640/8€121k€128k▲
Non-recurring operating charges66A€11k€0▼
Operating profit (loss)9901€418k€83k▼
Financial income75/76B€4k€4k▲
Recurring financial income75€4k€4k▲
Income from current assets751€3k€3k▲
Other financial income752/9€652€604▼
Financial charges65/66B€334k€187k▼
Recurring financial charges65€334k€187k▼
Debt charges650€259k€131k▼
Other financial charges652/9€75k€57k▼
Profit (loss) for the period before taxes9903€88k€-100k▼
Income taxes67/77€41k€3k▼
Taxes670/3€41k€3k▼
Tax adjustments and reversals of tax provisions77-€1
Profit (loss) for the period9904€46k€-103k▼
Profit (loss) for the period to be appropriated9905€46k€-103k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3.53M€3.43M▼
Profit (loss) brought forward from the previous period14P€3.49M€3.53M▲
Social balance
Average headcount (FTE)908742.244.1▲
The notes to these accounts (79 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 · full schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-103k ▼323%
Net result drops to €-103k, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 25 days late
2024
31-12
Financial
Back to profitnet €46k
Net result €46k after one loss-making year.
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 5 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €351k ▲11%
Operating result €596k, net result €351k, both a record.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Waterloo · 3 establishment units since 1987
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 de Louvain 151410 WaterlooGround area
6.0 ha
Building footprint
7,136 m²
Volume, LiDAR
46,305 m³
3 parcels, Brussels, Wallonia · tallest building 15.1 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
Ollivier Sprl
since 19872.029.723.614
Ollivier
since 20222.331.041.741
Declercq by D&O Group Ollivier
since 20262.392.764.029
3 parcels
Wallonia
2
(66.7%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25111A0691/00G002 | Wallonia | 5.0 ha | 1 · 4,077 m² | 10.4 m · 2 fl. |
| 25764O0493/00B000 | Wallonia | 7,790 m² | 1 · 2,388 m² | 9.0 m · 2 fl. |
| 21447B0296/00K012 | Brussels | 1,470 m² | 1 · 671 m² | 15.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 10,672 companies in sector 47811 we hold annual accounts for 5,223. 1,708 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded15-06-1987
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
47820Retail sale of motor vehicle parts and accessories
50302
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.