Olyv Expertimmo
ActiveSummary
Olyv Expertimmo has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €80k and a net result of €56k. Equity is growing by ~88.8% per year across the filed fiscal years. Its solvency ranks better than 91% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+67
Solvency100▲+61
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 9.88 against 1.16 in 2024; short-term debt: 10% and cash: 89.6% of total assets), and 10.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
89.8%
Return on assets
62.5%
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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
30 d late
2022
30 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€80k▲ 230%
2024 · €24k
2022: €6k
2023: €24k
2024: €24k
2022 → 2025
Total assets
€90k▼ 48.1%
2024 · €173k
2022: €30k
2023: €40k
2024: €173k
2022 → 2025
Net result
€56k▲ 7,689%
2024 · €719
2022: €11k
2023: €18k
2024: €719
2022 → 2025
Working capital
€80k▲ 246%
2024 · €23k
2022: €4k
2023: €22k
2024: €23k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€6k-€24k▲ 305%€24k▲ 3.0%€80k▲ 230%
Operating result€15k-€24k▲ 67.6%€7k▼ 71.8%€75k▲ 987%
Net result€11k-€18k▲ 64.2%€719▼ 96.0%€56k▲ 7,689%
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 987% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89k
Fixed assets
€331 ▼ 53.7%
Current assets
€89k ▼ 48.1%
Equity and liabilities €90k
Equity
€80k ▲ 230%
Debt
€9k ▼ 93.8%
Debt's share of the balance-sheet total falls from 85.9% to 10.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75k▲
2024 · €8k
Cash flow
€57k▲
2024 · €2k
Current ratio
9.88▲
2024 · 1.16
Debt to equity
0.11▼
2024 · 6.08
ROE
69.7%▲
2024 · 2.9%
ROA
62.5%▲
2024 · 0.4%
Interest coverage
59.98▲
2024 · 1.59
Debt ≤ 1 year
€9k▼
2024 · €148k
Income taxes
€17k▲
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€173k€90k▼
Formation expenses20€793€457▼
Fixed assets21/28€714€331▼
Tangible fixed assets22/27€714€331▼
Furniture and vehicles24€714€331▼
Current assets29/58€171k€89k▼
Stocks and contracts in progress3€136k-
Stocks30/36€136k-
Amounts receivable within one year40/41€24k€9k▼
Trade receivables40€4k€5k▲
Other amounts receivable41€20k€4k▼
Cash at bank and in hand54/58€11k€80k▲
Deferred charges and accrued income490/1€43€45▲
Equity and liabilities
Total equity and liabilities10/49€173k€90k▼
Equity10/15€24k€80k▲
Contributions10/11€1k€1k=
Reserves13€23k€79k▲
Distributable reserves133€23k€79k▲
Amounts payable17/49€148k€9k▼
Amounts payable within one year42/48€148k€9k▼
Financial debts43€126k-
Credit institutions430/8€126k-
Trade debts44€12k€2k▼
Suppliers440/4€12k€2k▼
Advances received on contracts in progress46€4k-
Taxes, remuneration and social security45-€277
Taxes450/3-€277
Other amounts payable47/48€6k€6k▲
Accrued charges and deferred income492/3€180€180=
Income statement
Code20242025
Non-recurring operating income76A-€99
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€855€720▼
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A€1-
Gross operating margin9900€10k€76k▲
Operating profit (loss)9901€7k€75k▲
Financial charges65/66B€5k€1k▼
Recurring financial charges65€5k€1k▼
Profit (loss) for the period before taxes9903€2k€73k▲
Income taxes67/77€1k€17k▲
Profit (loss) for the period9904€719€56k▲
Profit (loss) for the period to be appropriated9905€719€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€719€56k▲
Transfer to equity691/2€719€56k▲
To other reserves6921€719€56k▲
The notes to these accounts (4 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
31-12
Financial
Highest result since 2022net €56k ▲7689%
Operating result €75k, net result €56k, both a record.
31-12
Financial
Liquidity times 9current ratio 9.88
Current ratio from 1.16 to 9.88; short-term debt falls from €148k to €9k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €719 ▼96%
Net result drops to €719, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 2.42
Current ratio from 1.16 to 2.42; short-term debt falls from €24k to €16k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 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, Le Roeulx · 1 establishment unit since 2022
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.
Rue des Ecaussinnes(R) 127070 Le RoeulxGround area
1,638 m²
Building footprint
115 m²
Volume, LiDAR
718 m³
Parcel 55035B0289/00A005, Wallonia · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Olyv Expertimmo
since 20222.330.664.134
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55035B0289/00A005 | Wallonia | 1,638 m² | 1 · 115 m² | 7.6 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
PVO PROJECTS
BE 0753.844.111
Gent · Eq €80,440
COVERTO
BE 0655.876.485
Kruisem · Eq €80,345
Munio Real Estate
BE 1007.450.116
Zoersel · Eq €80,517
CONSULTANCY DECAT
BE 0708.888.173
Schilde · Eq €80,304
BK PROJECTEN
BE 0698.789.879
Malle · Eq €80,546
Of 9,694 companies in sector 68121 we hold annual accounts for 7,383. 5,251 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-04-2022
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
68122Development of non-residential building projects
46180Agents specialised in the wholesale of other particular products
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:danvoyeo@gmail.com
Phone:+32493145386