Onderdak
ActiveOnderdak has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €303k and a net result of €44k. Equity is shrinking by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 49% of 2256 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
64
/ 100
Healthy▲ +12 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+41
Solvency50▲+7
Growth38=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity short (current ratio 0.27 against 0.21 in 2024), and 60.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
39.4%
Return on assets
5.7%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €303k
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
31 d late
2022
34 d early
2021
27 d early
2020
32 d early
2019
214 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€32k▼ 50.6%
2021 · €65k
2021: €65k
2021 → 2022
EBIT margin
-123.5%▼ 85.0pp
2021 · -38.5%
2021: -38.5%
2021 → 2022
Net result
€44k▲ 172%
2024 · €16k
2018: €-6k
2019: €1k
2020: €13k
2021: €-37k
2022: €-50k
2023: €-22k
2024: €16k
2018 → 2025
Working capital
€-340k▲ 11.9%
2024 · €-386k
2018: €-304k
2019: €-303k
2020: €-290k
2021: €-337k
2022: €-384k
2023: €-403k
2024: €-386k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€65k-€32k▼ 50.6%
Equity€314k-€264k▼ 15.8%€243k▼ 8.1%€259k▲ 6.6%€303k▲ 16.9%
Operating result€-25k-€-40k▼ 58.7%€-12k▲ 70.8%€26k€54k▲ 107%
Net result€-37k-€-50k▼ 32.9%€-22k▲ 56.7%€16k€44k▲ 172%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 107% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €769k
Fixed assets
€643k▼ 0.3%
Current assets
€126k▲ 22.7%
Equity and liabilities €769k
Equity
€303k▲ 16.9%
Debt
€466k▼ 4.7%
The debt ratio falls from 65.4% to 60.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€57k▲
2024 · €29k
Cash flow
€47k▲
2024 · €19k
Solvency
39.4%▲
2024 · 34.6%
Current ratio
0.27▲
2024 · 0.21
Quick ratio
0.14▲
2024 · 0.08
Debt / equity
1.54▼
2024 · 1.89
ROE
14.5%▲
2024 · 6.2%
ROA
5.7%▲
2024 · 2.1%
Interest coverage
5.74▲
2024 · 2.89
Debt
€466k▼
2024 · €489k
Debt ≤ 1 year
€466k▼
2024 · €489k
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€748k€769k▲
Fixed assets21/28€645k€643k▼
Tangible fixed assets22/27€645k€643k▼
Land and buildings22€640k€640k=
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€2k-
Current assets29/58€102k€126k▲
Stocks and contracts in progress3€62k€62k=
Stocks30/36€62k€62k=
Amounts receivable within one year40/41€36k€14k▼
Trade receivables40€21k€13k▼
Other amounts receivable41€15k€1k▼
Cash at bank and in hand54/58€4k€49k▲
Deferred charges and accrued income490/1€934€984▲
Equity and liabilities
Total equity and liabilities10/49€748k€769k▲
Equity10/15€259k€303k▲
Contributions10/11€186k€186k=
Capital10€186k€186k=
Issued capital100€186k€186k=
Revaluation surpluses12€456k€456k=
Reserves13€27€27=
Non-distributable reserves130/1€27€27=
Legal reserve130€27€27=
Profit (loss) carried forward14€-383k€-339k▲
Amounts payable17/49€489k€466k▼
Amounts payable within one year42/48€489k€466k▼
Financial debts43€194k€194k=
Credit institutions430/8€194k€194k=
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Other amounts payable47/48€292k€270k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€32k€60k▲
Operating profit (loss)9901€26k€54k▲
Financial income75/76B-€7
Recurring financial income75-€7
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€16k€44k▲
Profit (loss) for the period9904€16k€44k▲
Profit (loss) for the period to be appropriated9905€16k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-383k€-339k▲
Profit (loss) brought forward from the previous period14P€-399k€-383k▲
The notes to these accounts (5 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 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €44k ▲172%
Operating result €54k, net result €44k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €16k
Net result €16k after 3 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-50k
Net result drops to €-50k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
02-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 214 days late
2019
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 25 days late
2018
20-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 51 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 56 days late
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, Rumst · 1 establishment unit since 1997
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.
Antwerpsesteenweg 172840 RumstGround area
4,065 m²
Building footprint
327 m²
Volume, LiDAR
1,677 m³
Parcel 11037B0134/00A002, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Antwerpsesteenweg 17, 2840 Rumst
since 19972.081.536.757
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11037B0134/00A002 | Flanders | 4,065 m² | 1 · 327 m² | 8.4 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
D'HAENE SPORT
BE 0439.519.569
Herzele · Eq €303k
PYRENE
BE 0462.303.681
Antwerpen · Eq €303k
LIBERO FINANCIAL AND BUSINESS CONSULTANCY
BE 0472.259.049
Zandhoven · Eq €303k
RRAFS
BE 0897.428.162
Halen · Eq €303k
Finer
BE 0834.628.481
Wijnegem · Eq €302k
Of 24,424 companies in sector 82990 we hold annual accounts for 9,361. 6,484 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded08-04-1997
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
68121Development of residential building projects
47791Retail sale of antiques
70111
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.