OUMAMA
ActiveOUMAMA has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €38k and a net result of €15k. Equity is growing by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 28% of 572 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability53▲+17
Solvency41▲+6
Growth85▲+17
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity short (current ratio 0.84 against 0.82 in 2023; short-term debt: 84.5% and cash: 1.6% of total assets), and 84.5% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
15.5%
Return on assets
6%
Age of the figures
21 mo
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 · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-11-2025, 97 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
97 d late
2023
61 d late
2022
153 d late
2021
153 d late
2019
153 d late
2018
145 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€855k▲ 13.8%
2023 · €751k
2018: €62k
2019: €55k
2022: €195k
2023: €751k
2018 → 2024
EBIT margin
1.7%▲ 1.9pp
2023 · -0.1%
2018: 7.8%
2019: 2.6%
2022: 4.2%
2023: -0.1%
2018 → 2024
Net result
€15k
2023 · €-1k
2018: €5k
2019: €1k
2022: €8k
2023: €-1k
2018 → 2024
Working capital
€-33k▲ 9.9%
2023 · €-37k
2018: €-5k
2019: €-3k
2021: €-4k
2022: €-31k
2023: €-37k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192021202220232024Trend
Turnover€55k-€195k€751k▲ 286%€855k▲ 13.8%
Equity€17k-€16k▼ 1.2%€24k▲ 47.9%€23k▼ 4.3%€38k▲ 63.0%
Operating result€1k-€8k€-970€15k
Net result€1k-€8k€-1k€15k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €15k after a loss of €970 in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €244k
Fixed assets
€71k▲ 18.4%
Current assets
€173k▲ 1.2%
Equity and liabilities €244k
Equity
€38k▲ 63.0%
Debt
€206k▼ 0.8%
The debt ratio falls from 89.9% to 84.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
15.5%▲
2023 · 10.1%
Current ratio
0.84▲
2023 · 0.82
Quick ratio
0.79▲
2023 · 0.77
Debt / equity
5.44▼
2023 · 8.93
ROE
38.7%▲
2023 · -4.5%
ROA
6.0%▲
2023 · -0.5%
Debt
€206k▼
2023 · €208k
Debt ≤ 1 year
€206k▼
2023 · €208k
Staff costs
€26k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€231k€244k▲
Fixed assets21/28€60k€71k▲
Tangible fixed assets22/27€60k€71k▲
Plant, machinery and equipment23€40k€44k▲
Furniture and vehicles24-€7k
Other tangible fixed assets26€20k€20k=
Current assets29/58€171k€173k▲
Stocks and contracts in progress3€11k€11k▲
Stocks30/36€11k€11k▲
Amounts receivable within one year40/41€155k€158k▲
Trade receivables40€154k€141k▼
Other amounts receivable41€283€17k▲
Cash at bank and in hand54/58€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€231k€244k▲
Equity10/15€23k€38k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Profit (loss) carried forward14€5k€19k▲
Amounts payable17/49€208k€206k▼
Amounts payable within one year42/48€208k€206k▼
Trade debts44€167k€197k▲
Suppliers440/4€167k€197k▲
Taxes, remuneration and social security45€10k€9k▼
Taxes450/3€10k€5k▼
Remuneration and social security454/9-€4k
Other amounts payable47/48€30k-
Income statement
Code20232024
Turnover70€751k€855k▲
Goods, raw materials, services and sundry goods60/61€758k€815k▲
Remuneration, social security and pensions62-€26k
Other operating charges640/8€7k€195▼
Gross operating margin9900€6k€40k▲
Operating profit (loss)9901€-970€15k▲
Financial charges65/66B€75€98▲
Recurring financial charges65€75€98▲
Profit (loss) for the period before taxes9903€-1k€15k▲
Profit (loss) for the period9904€-1k€15k▲
Profit (loss) for the period to be appropriated9905€-1k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€19k▲
Profit (loss) brought forward from the previous period14P€6k€5k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
05-11
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 97 days late
2024
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 61 days late
2023
31-12
Financial
Weakest financial yearnet €-1k ▼113%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
31-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 153 days late
2022
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 153 days late
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 153 days late
2019
23-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 145 days late
2018
31-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 153 days late
2017
31-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 153 days late
2015
30-09
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2014
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.
Meilaan 2431200 Sint-Lambrechts-WoluweGround area
246 m²
Building footprint
74 m²
Volume, LiDAR
794 m³
Parcel 21673D0087/00K044, Brussels · tallest building 12.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
STATION DE MAI
since 20142.228.169.776
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0087/00K044 | Brussels | 246 m² | 1 · 74 m² | 12.0 m · 4 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
NET SERVICES AUTOMOTIVE
BE 0889.042.513
Beyne-Heusay · Eq €38k
Clasi
BE 0795.222.628
Maasmechelen · Eq €38k
CHANNI
BE 0838.054.660
Vilvoorde · Eq €38k
JC Management
BE 0794.772.963
Aywaille · Eq €38k
AB CARS SERVICES
BE 1001.823.621
Schaarbeek · Eq €39k
Of 3,209 companies in sector 95316 we hold annual accounts for 752. 556 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded21-11-2013
Fiscal year end31-12
Activities, NACEBEL
95316Washing and cleaning of motor vehicles
47300Retail sale of automotive fuel
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.