OTIUM
ActiveSummary
OTIUM has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €179k and a net result of €5k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 93% of 220 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2026
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability72▲+2
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 5.84 against 8.56 in 2025; short-term debt: 11.5% and cash: 0% of total assets), and 11.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 2026Solvency, return and age of the figures
Solvency
88.5%
Return on assets
2.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 09-09-2026, 9 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
2026
9 d late
2025
38 d early
2023
8 d early
2022
52 d early
2021
45 d early
2020
45 d early
2019
45 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Equity
€179k▲ 2.7%
2025 · €174k
2018: €202k
2019: €191k
2020: €213k
2021: €173k
2022: €172k
2023: €172k
2025: €174k
2018 → 2026
Total assets
€202k▲ 7.4%
2025 · €188k
2018: €420k
2019: €367k
2020: €289k
2021: €252k
2022: €198k
2023: €189k
2025: €188k
2018 → 2026
Net result
€5k▲ 191%
2025 · €2k
2018: €-8k
2019: €-11k
2020: €23k
2021: €601
2022: €22k
2023: €11k
2025: €2k
2018 → 2026
Working capital
€113k▲ 6.3%
2025 · €106k
2018: €155k
2019: €155k
2020: €172k
2021: €107k
2022: €102k
2023: €102k
2025: €106k
2018 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320252026Trend
Equity€173k-€172k▼ 0.3%€172k▼ 0.1%€174k▲ 0.9%€179k▲ 2.7%
Operating result€-8k-€18k€11k▼ 40.2%€-2k€3k
Net result€601-€22k▲ 3,477%€11k▼ 49.5%€2k▼ 85.0%€5k▲ 191%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2026: €3k after a loss of €2k in 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €202k
Fixed assets
€66k ▼ 2.9%
Current assets
€136k ▲ 13.3%
Equity and liabilities €202k
Equity
€179k ▲ 2.7%
Debt
€23k ▲ 65.8%
Debt's share of the balance-sheet total rises from 7.5% to 11.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€5k▲
2025 · €636
Cash flow
€7k▲
2025 · €4k
Current ratio
5.84▼
2025 · 8.56
Debt to equity
0.13▲
2025 · 0.08
ROE
2.7%▲
2025 · 0.9%
ROA
2.3%▲
2025 · 0.9%
Interest coverage
45.98▲
2025 · 6.48
Debt ≤ 1 year
€23k▲
2025 · €14k
Income taxes
€762
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 · 2026 against 2025 · 42 lines
Balance sheet
Code20252026
Assets
Total assets20/58€188k€202k▲
Fixed assets21/28€68k€66k▼
Tangible fixed assets22/27€68k€66k▼
Land and buildings22€57k€57k=
Plant, machinery and equipment23€10k€8k▼
Current assets29/58€120k€136k▲
Amounts receivable within one year40/41€115k€132k▲
Trade receivables40€26k€46k▲
Other amounts receivable41€88k€85k▼
Cash at bank and in hand54/58€278€36▼
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€188k€202k▲
Equity10/15€174k€179k▲
Contributions10/11€150k€150k=
Capital10€150k€150k=
Issued capital100€150k€150k=
Reserves13€22k€22k=
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k€15k=
Tax-exempt reserves132€7k€7k=
Profit (loss) carried forward14€2k€7k▲
Amounts payable17/49€14k€23k▲
Amounts payable within one year42/48€14k€23k▲
Trade debts44€13k€22k▲
Suppliers440/4€13k€22k▲
Taxes, remuneration and social security45-€762
Taxes450/3-€762
Other amounts payable47/48€693€693=
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€22k€22k▼
Gross operating margin9900€23k€27k▲
Operating profit (loss)9901€-2k€3k▲
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€98€105▲
Recurring financial charges65€98€105▲
Profit (loss) for the period before taxes9903€2k€5k▲
Income taxes67/77-€762
Profit (loss) for the period9904€2k€5k▲
Profit (loss) for the period to be appropriated9905€2k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€7k▲
Profit (loss) brought forward from the previous period14P€173€2k▲
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 2027, expected by
2026
09-09
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema · 9 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 5.01
Current ratio from 2.34 to 5.01; short-term debt falls from €79k to €25k.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €23k
Net result €23k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 5.10
Current ratio from 2.25 to 5.10; short-term debt falls from €124k to €42k.
31-12
Financial
Equity above €200kEq €213k ▲11.8%
Equity rises from €191k to €213k.
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
Show earlier events
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · 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
4 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, Flémalle · 1 establishment unit since 1998
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 Hêtres(IVR) 174400 FlémalleGround area
2,158 m²
Building footprint
187 m²
Volume, LiDAR
870 m³
Parcel 62083C0895/00F004, Wallonia · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OTIUM
since 19982.089.734.049
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62083C0895/00F004 | Wallonia | 2,158 m² | 1 · 187 m² | 6.5 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
MIDI BRICO 2000
BE 0465.573.670
Brussel · Eq €178,053
FLO
BE 0478.110.723
Wommelgem · Eq €179,074
INTERIEUR DESIGN DEVOS
BE 0442.893.981
Nieuwpoort · Eq €179,150
Boussu Bricolage
BE 0636.856.072
Boussu · Eq €177,914
Plastiek Van Wauwe
BE 0415.527.412
Antwerpen · Eq €179,201
Of 1,719 companies in sector 47521 we hold annual accounts for 1,288. 968 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 formPublic limited company
Founded07-12-1998
Fiscal year end31-01
Activities, NACEBEL 2025
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.