OTIUM
ActiveOTIUM has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70k and a net result of €3k. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 24% of 9369 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability22▼-27
Solvency28▲+4
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity short (current ratio 0.76 against 0.86 in 2024), and 76.7% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
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
23.3%
Return on assets
1%
Age of the figures
11 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 9369 sector peers (2025).
NBB · sector comparisonPosition among 9369 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-03-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
48 d early
2023
35 d early
2022
68 d early
2021
39 d early
2020
43 d early
2019
35 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€70k▲ 4.6%
2024 · €67k
2018: €17k
2019: €25k
2020: €48k
2021: €68k
2022: €71k
2023: €72k
2024: €67k
2018 → 2025
Total assets
€302k▼ 6.2%
2024 · €322k
2018: €65k
2019: €73k
2020: €94k
2021: €218k
2022: €255k
2023: €336k
2024: €322k
2018 → 2025
Net result
€3k▼ 53.6%
2024 · €7k
2018: €7k
2019: €8k
2020: €22k
2021: €31k
2022: €3k
2023: €960
2024: €7k
2018 → 2025
Working capital
€-15k▼ 102%
2024 · €-8k
2018: €2k
2019: €7k
2020: €16k
2021: €27k
2022: €13k
2023: €73k
2024: €-8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€68k-€71k▲ 3.8%€72k▲ 1.4%€67k▼ 6.4%€70k▲ 4.6%
Operating result€42k-€7k▼ 83.4%€9k▲ 31.8%€16k▲ 77.1%€12k▼ 23.3%
Net result€31k-€3k▼ 91.7%€960▼ 63.0%€7k▲ 594%€3k▼ 53.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €302k
Fixed assets
€253k▼ 8.1%
Current assets
€50k▲ 4.2%
Equity and liabilities €302k
Equity
€70k▲ 4.6%
Debt
€232k▼ 9.1%
The debt ratio falls from 79.1% to 76.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€49k▲
2024 · €49k
Cash flow
€40k▲
2024 · €39k
Solvency
23.3%▲
2024 · 20.9%
Current ratio
0.76▼
2024 · 0.86
Quick ratio
0.38▼
2024 · 0.51
Debt / equity
3.30▼
2024 · 3.79
ROE
4.4%▼
2024 · 9.9%
ROA
1.0%▼
2024 · 2.1%
Interest coverage
8.29▲
2024 · 8.19
Debt
€232k▼
2024 · €255k
Debt ≤ 1 year
€65k▲
2024 · €55k
Debt > 1 year
€167k▼
2024 · €200k
Income taxes
€3k▼
2024 · €4k
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€322k€302k▼
Fixed assets21/28€275k€253k▼
Tangible fixed assets22/27€275k€252k▼
Land and buildings22€116k€113k▼
Plant, machinery and equipment23€81k€81k▼
Furniture and vehicles24€78k€59k▼
Other tangible fixed assets26€51-
Financial fixed assets28€250€250=
Current assets29/58€48k€50k▲
Stocks and contracts in progress3€20k€25k▲
Contracts in progress37€20k€25k▲
Amounts receivable within one year40/41€19k€12k▼
Trade receivables40€12k€10k▼
Other amounts receivable41€8k€2k▼
Cash at bank and in hand54/58€5k€9k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€322k€302k▼
Equity10/15€67k€70k▲
Contributions10/11€20k€20k=
Reserves13€47k€50k▲
Distributable reserves133€47k€50k▲
Amounts payable17/49€255k€232k▼
Amounts payable after more than one year17€200k€167k▼
Financial debts170/4€200k€167k▼
Amounts payable within one year42/48€55k€65k▲
Current portion of amounts payable after more than one year42€32k€33k▲
Trade debts44€9k€11k▲
Suppliers440/4€9k€11k▲
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3€3k€6k▲
Other amounts payable47/48€11k€15k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€37k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€51k€51k▼
Operating profit (loss)9901€16k€12k▼
Financial income75/76B€98€43▼
Recurring financial income75€98€43▼
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€10k€7k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€7k€3k▼
Profit (loss) for the period to be appropriated9905€7k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€3k▼
Transfer from equity791/2€11k-
Transfer to equity691/2€7k€3k▼
To other reserves6921€7k€3k▼
Profit to be distributed694/7€11k-
Return on contributions (dividend)694€11k-
The notes to these accounts (13 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
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
13-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €960 ▼63%
Net result drops to €960, the lowest in the series; recovery starts the following year.
21-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €31k ▲39.8%
Operating result €42k, net result €31k, both a record.
18-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brakel · 1 establishment unit since 2001
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.
Poorterij 139660 BrakelGround area
995 m²
Building footprint
145 m²
Volume, LiDAR
822 m³
2 parcels, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kaatsspelplein 9, 9600 Ronse
since 20012.116.216.435
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45423E1136/00D000 | Flanders | 701 m² | - | - |
| 45024A0604/00C000 | Flanders | 294 m² | 1 · 145 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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 18,208 companies in sector 71111 we hold annual accounts for 6,291. 5,432 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-2001
Fiscal year end30-09
Activities, NACEBEL
71111Activities of building architects
74201Photography, excluding press photography
01410Raising of dairy cattle
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.