Otum
ActiveOtum has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €24k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 9386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
65
/ 100
Healthy▼ -20 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency14▼-86
Growth58▼-20
Stability94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.04 against 3.33 in 2024), and 96.6% 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
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 71
Relative position
BE, all sectors
reference
Sector 71
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
3.4%
Return on assets
27.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 9386 sector peers (2025).
NBB · sector comparisonPosition among 9386 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
22 d early
2024
20 d early
2023
23 d early
2022
22 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 93.8%
2024 · €48k
2022: €9k
2023: €30k
2024: €48k
2022 → 2025
Total assets
€90k▲ 29.7%
2024 · €69k
2022: €18k
2023: €48k
2024: €69k
2022 → 2025
Net result
€24k▲ 31.1%
2024 · €19k
2022: €7k
2023: €22k
2024: €19k
2022 → 2025
Working capital
€3k▼ 93.2%
2024 · €48k
2022: €9k
2023: €30k
2024: €48k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€9k-€30k▲ 232%€48k▲ 58.4%€3k▼ 93.8%
Operating result€9k-€28k▲ 221%€24k▼ 13.7%€31k▲ 29.2%
Net result€7k-€22k▲ 218%€19k▼ 15.8%€24k▲ 31.1%
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 29% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €90k
Equity
€3k▼ 93.8%
Debt
€87k▲ 312%
The debt ratio rises from 30.4% to 96.6%: debt grows while equity shrinks.
Key figures and ratios
Solvency
3.4%▼
2024 · 69.6%
Current ratio
1.04▼
2024 · 3.33
Quick ratio
1.04▼
2024 · 3.33
Debt / equity
28.84▲
2024 · 0.44
ROE
810.4%▲
2024 · 38.6%
ROA
27.2%▲
2024 · 26.9%
Debt
€87k▲
2024 · €21k
Debt ≤ 1 year
€86k▲
2024 · €21k
Income taxes
€6k▲
2024 · €5k
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€69k€90k▲
Current assets29/58€69k€90k▲
Amounts receivable within one year40/41€7k€15k▲
Trade receivables40€7k€14k▲
Other amounts receivable41-€612
Cash at bank and in hand54/58€61k€74k▲
Deferred charges and accrued income490/1€930€833▼
Equity and liabilities
Total equity and liabilities10/49€69k€90k▲
Equity10/15€48k€3k▼
Contributions10/11€3k€3k=
Reserves13€45k€0▼
Distributable reserves133€45k€0▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€21k€87k▲
Amounts payable within one year42/48€21k€86k▲
Trade debts44€664€102▼
Suppliers440/4€664€102▼
Taxes, remuneration and social security45€16k€12k▼
Taxes450/3€14k€11k▼
Remuneration and social security454/9€1k€1k=
Other amounts payable47/48€5k€74k▲
Accrued charges and deferred income492/3€255€279▲
Income statement
Code20242025
Other operating charges640/8€849€723▼
Gross operating margin9900€25k€32k▲
Operating profit (loss)9901€24k€31k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€505€477▼
Recurring financial charges65€505€477▼
Profit (loss) for the period before taxes9903€23k€31k▲
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€19k€24k▲
Profit (loss) for the period to be appropriated9905€19k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€24k▲
Transfer from equity791/2-€45k
Transfer to equity691/2€18k€0▼
To other reserves6921€18k€0▼
Profit to be distributed694/7€833€69k▲
Return on contributions (dividend)694€833€69k▲
The notes to these accounts (1 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €24k ▲31.1%
Operating result €31k, net result €24k, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 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, Gent · 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.
Moortelputstraat 329031 GentGround area
1,540 m²
Building footprint
229 m²
Volume, LiDAR
1,376 m³
Parcel 44017C1354/00P000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Moortelputstraat 32, 9031 Gent
since 20222.337.561.527
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44017C1354/00P000 | Flanders | 1,540 m² | 1 · 229 m² | 9.8 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
HERT
BE 0739.950.147
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HS INTERIEUR
BE 0763.350.309
Kasterlee · Eq €3k
CONCEPT OFFICE
BE 0464.645.242
Ukkel · Eq €3k
SWYTCH DESIGN AGENCY
BE 0798.465.002
Vilvoorde · Eq €3k
MBdesigner
BE 0793.415.557
Brussel · Eq €3k
Of 3,911 companies in sector 71112 we hold annual accounts for 1,290. 397 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-11-2022
Fiscal year end31-12
Activities, NACEBEL
71112Activities of interior architects
31004Manufacture of dining room, living room, bedroom and bathroom furniture
47551Retail sale of household furniture
47591Retail trade
70200Business and other management consultancy
70220Business consulting
85599Other education
95240Repair and maintenance of furniture and upholstery
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.