OVERARCHING PROJECTS
ActiveSummary
The annual accounts of OVERARCHING PROJECTS for fiscal year 2024 show a net loss of 88% of the equity at the start of that year. The 2024 annual accounts show equity of €6k and a net result of €-45k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 19913 sector peers (fiscal year 2024). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability17▲+17
Solvency26▼-6
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.56 against 0.35 in 2023; short-term debt: 26.6% and cash: 6.4% of total assets), and 99.2% of the assets are financed with debt.
Credit check 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 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← 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
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
0.8%
Return on assets
-5.7%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-45k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 19913 sector peers (2024).
NBB · sector comparisonPosition among 19913 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-04-2025, 94 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
94 d early
2023
6 d early
2022
74 d late
2021
61 d late
2020
61 d late
2019
122 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€6k▼ 87.8%
2023 · €52k
2018: €55k
2019: €92k▲ +66.3% vs 2018
2020: €100k▲ +8.7% vs 2019
2021: €135k▲ +34.7% vs 2020
2022: €168k▲ +24.6% vs 2021highest in 7 years
2023: €52k▼ -69.2% vs 2022
2024: €6k▼ -87.8% vs 2023lowest in 7 years
2018 → 2024
Total assets
€798k▲ 4.6%
2023 · €763k
2018: €547klowest in 7 years
2019: €555k▲ +1.6% vs 2018
2020: €594k▲ +7.0% vs 2019
2021: €798k▲ +34.4% vs 2020
2022: €859k▲ +7.6% vs 2021highest in 7 years
2023: €763k▼ -11.2% vs 2022
2024: €798k▲ +4.6% vs 2023
2018 → 2024
Net result
€-45k▲ 60.9%
2023 · €-116k
2018: €20k
2019: €37k▲ +81.5% vs 2018highest in 7 years
2020: €8k▼ -78.2% vs 2019
2021: €35k▲ +334% vs 2020
2022: €33k▼ -4.5% vs 2021
2023: €-116k▼ -451% vs 2022lowest in 7 years
2024: €-45k▲ +60.9% vs 2023
2018 → 2024
Working capital
€-94k▲ 57.5%
2023 · €-222k
2018: €-70k
2019: €-45k▲ +35.7% vs 2018highest in 7 years
2020: €-60k▼ -33.0% vs 2019
2021: €-53k▲ +11.6% vs 2020
2022: €-78k▼ -47.2% vs 2021
2023: €-222k▼ -185% vs 2022lowest in 7 years
2024: €-94k▲ +57.5% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€100k-€135k▲ 34.7%€168k▲ 24.6%€52k▼ 69.2%€6k▼ 87.8%
2020: €100k
2021: €135k▲ +34.7% vs 2020
2022: €168k▲ +24.6% vs 2021highest in 5 years
2023: €52k▼ -69.2% vs 2022
2024: €6k▼ -87.8% vs 2023lowest in 5 years
Operating result€19k-€45k▲ 138%€56k▲ 24.0%€-108k€-38k▲ 64.7%
2020: €19k
2021: €45k▲ +138% vs 2020
2022: €56k▲ +24.0% vs 2021highest in 5 years
2023: €-108k▼ -294% vs 2022lowest in 5 years
2024: €-38k▲ +64.7% vs 2023
Net result€8k-€35k▲ 334%€33k▼ 4.5%€-116k€-45k▲ 60.9%
2020: €8k
2021: €35k▲ +334% vs 2020highest in 5 years
2022: €33k▼ -4.5% vs 2021
2023: €-116k▼ -451% vs 2022lowest in 5 years
2024: €-45k▲ +60.9% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €38k in 2024 against €108k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €798k
Fixed assets
€680k ▲ 5.3%
Current assets
€118k ▲ 0.4%
Equity and liabilities €798k
Equity
€6k ▼ 87.8%
Debt
€792k ▲ 11.3%
Debt's share of the balance-sheet total rises from 93.2% to 99.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€4k▲
2023 · €-72k
Cash flow
€-3k▲
2023 · €-80k
Current ratio
0.56▲
2023 · 0.35
Quick ratio
0.36▲
2023 · 0.18
ROE
-721.0%▼
2023 · -224.7%
ROA
-5.7%▲
2023 · -15.2%
Interest coverage
0.59▲
2023 · -9.73
Debt ≤ 1 year
€213k▼
2023 · €340k
Debt > 1 year
€579k▲
2023 · €371k
Income taxes
€373▲
2023 · €311
A ratio outside any meaningful range has been withheld (balance sheet total €798k, equity €6k).
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 · 2024 against 2023 · 54 lines
Balance sheet
Code20232024
Assets
Total assets20/58€763k€798k▲
Fixed assets21/28€645k€680k▲
Tangible fixed assets22/27€645k€680k▲
Land and buildings22€402k€402k=
Plant, machinery and equipment23€49k€34k▼
Furniture and vehicles24€4k€62k▲
Leasing and similar rights25€32k€21k▼
Other tangible fixed assets26-€3k
Assets under construction and advance payments27€158k€158k=
Current assets29/58€118k€118k▲
Stocks and contracts in progress3€58k€43k▼
Stocks30/36€58k€43k▼
Amounts receivable within one year40/41€5k€24k▲
Trade receivables40€5k€23k▲
Other amounts receivable41-€613
Cash at bank and in hand54/58€55k€51k▼
Deferred charges and accrued income490/1-€919
Equity and liabilities
Total equity and liabilities10/49€763k€798k▲
Equity10/15€52k€6k▼
Contributions10/11€19k€19k=
Reserves13€33k€33k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€31k€33k▲
Profit (loss) carried forward14-€-45k
Amounts payable17/49€712k€792k▲
Amounts payable after more than one year17€371k€579k▲
Financial debts170/4€371k€579k▲
Amounts payable within one year42/48€340k€213k▼
Current portion of amounts payable after more than one year42€52k€53k▲
Financial debts43€6k-
Credit institutions430/8€6k-
Trade debts44€57k€60k▲
Suppliers440/4€57k€60k▲
Taxes, remuneration and social security45€17k€8k▼
Taxes450/3€17k€8k▼
Other amounts payable47/48€208k€92k▼
Accrued charges and deferred income492/3€521€367▼
Income statement
Code20232024
Non-recurring operating income76A-€14k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€42k▲
Other operating charges640/8€410€586▲
Non-recurring operating charges66A€30k-
Gross operating margin9900€-41k€5k▲
Operating profit (loss)9901€-108k€-38k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€7k€7k▼
Recurring financial charges65€7k€7k▼
Profit (loss) for the period before taxes9903€-116k€-45k▲
Income taxes67/77€311€373▲
Profit (loss) for the period9904€-116k€-45k▲
Profit (loss) for the period to be appropriated9905€-116k€-45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-116k€-45k▲
Transfer from equity791/2€116k-
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €4k | €2k | - | €14k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10k | €27k | €43k | €36k | €42k | ▲ 16.9% |
| Other operating charges640/8 | - | €4k | €4k | €410 | €586 | ▲ 43.1% |
| Non-recurring operating charges66A | - | - | - | €30k | - | - |
| Gross operating margin9900 | €33k | €76k | €102k | €-41k | €5k | ▲ 111% |
| Operating profit (loss)9901 | €19k | €45k | €56k | €-108k | €-38k | ▲ 64.7% |
| Financial income75/76B | - | €13 | €86 | - | €0 | - |
| Recurring financial income75 | €0 | €13 | €86 | - | €0 | - |
| Financial charges65/66B | - | €9k | €9k | €7k | €7k | ▼ 9.3% |
| Recurring financial charges65 | €8k | €9k | €9k | €7k | €7k | ▼ 9.3% |
| Profit (loss) for the period before taxes9903 | €11k | €36k | €47k | €-116k | €-45k | ▲ 61.1% |
| Income taxes67/77 | €3k | €1k | €14k | €311 | €373 | ▲ 19.9% |
| Profit (loss) for the period9904 | €8k | €35k | €33k | €-116k | €-45k | ▲ 60.9% |
| Profit (loss) for the period to be appropriated9905 | €8k | €35k | €33k | €-116k | €-45k | ▲ 60.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €594k | €798k | €859k | €763k | €798k | ▲ 4.6% |
| Fixed assets21/28 | €533k | €663k | €669k | €645k | €680k | ▲ 5.3% |
| Tangible fixed assets22/27 | €533k | €662k | €669k | €645k | €680k | ▲ 5.3% |
| Land and buildings22 | - | €433k | €432k | €402k | €402k | = |
| Plant, machinery and equipment23 | - | €81k | €62k | €49k | €34k | ▼ 30.9% |
| Furniture and vehicles24 | - | €15k | €10k | €4k | €62k | ▲ 1,322% |
| Leasing and similar rights25 | - | €53k | €42k | €32k | €21k | ▼ 33.7% |
| Other tangible fixed assets26 | - | - | - | - | €3k | - |
| Assets under construction and advance payments27 | - | €79k | €124k | €158k | €158k | = |
| Financial fixed assets28 | €479 | €479 | - | - | - | - |
| Current assets29/58 | €61k | €136k | €190k | €118k | €118k | ▲ 0.4% |
| Stocks and contracts in progress3 | €18k | €48k | €103k | €58k | €43k | ▼ 27.0% |
| Stocks30/36 | - | €48k | €103k | €58k | €43k | ▼ 27.0% |
| Amounts receivable within one year40/41 | €24k | €37k | €54k | €5k | €24k | ▲ 394% |
| Trade receivables40 | - | €36k | €54k | €5k | €23k | ▲ 381% |
| Other amounts receivable41 | - | €104 | €29 | - | €613 | - |
| Cash at bank and in hand54/58 | €16k | €49k | €32k | €55k | €51k | ▼ 6.4% |
| Deferred charges and accrued income490/1 | - | €1k | €919 | - | €919 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €594k | €798k | €859k | €763k | €798k | ▲ 4.6% |
| Equity10/15 | €100k | €135k | €168k | €52k | €6k | ▼ 87.8% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €81k | €116k | €149k | €33k | €33k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | - | - |
| Distributable reserves133 | - | €114k | €147k | €31k | €33k | ▲ 6.2% |
| Profit (loss) carried forward14 | - | - | - | - | €-45k | - |
| Amounts payable17/49 | €494k | €664k | €691k | €712k | €792k | ▲ 11.3% |
| Amounts payable after more than one year17 | €374k | €475k | €423k | €371k | €579k | ▲ 55.9% |
| Financial debts170/4 | - | €475k | €423k | €371k | €579k | ▲ 55.9% |
| Amounts payable within one year42/48 | €120k | €189k | €268k | €340k | €213k | ▼ 37.4% |
| Current portion of amounts payable after more than one year42 | - | €56k | €52k | €52k | €53k | ▲ 1.0% |
| Financial debts43 | - | - | - | €6k | - | - |
| Credit institutions430/8 | - | - | - | €6k | - | - |
| Trade debts44 | €37k | €52k | €58k | €57k | €60k | ▲ 4.6% |
| Suppliers440/4 | - | €52k | €58k | €57k | €60k | ▲ 4.6% |
| Taxes, remuneration and social security45 | - | €15k | €37k | €17k | €8k | ▼ 50.9% |
| Taxes450/3 | - | €15k | €37k | €17k | €8k | ▼ 50.9% |
| Other amounts payable47/48 | - | €66k | €120k | €208k | €92k | ▼ 55.7% |
| Accrued charges and deferred income492/3 | - | €367 | €367 | €521 | €367 | ▼ 29.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8k | €35k | €33k | €-116k | €-45k | ▲ 60.9% |
| + Depreciation and write-downs630 | €10k | €27k | €43k | €36k | €42k | ▲ 16.9% |
| Operating cash flow (approximation) | €18k | €62k | €76k | €-80k | €-3k | ▲ 96.1% |
| Investment in fixed assets (approximation) | - | €-157k | €-49k | €-12k | €-77k | ▼ 531% |
| Change in cash | - | €33k | €-17k | €23k | €-3k | ▼ 115% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-116k
Net result drops to €-116k, the lowest in the series; recovery starts the following year.
13-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 74 days late
2022
31-12
Financial
Equity above €150kEq €168k ▲24.6%
5 profitable years in a row build equity to €168k.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Equity above €100kEq €135k ▲34.7%
4 profitable years in a row build equity to €135k.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Highest result since 2018net €37k ▲81.5%
Operating result €62k, net result €37k, both a record.
24-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 85 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
2016
26-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Diepenbeek · 2 establishment units since 2019
Ground area
2,851 m²
Building footprint
262 m²
Volume, LiDAR
1,095 m³
2 parcels, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
"Klijne Savel"
since 20192.296.257.838
"Broederij Klijne Savel"
since 20212.316.243.697
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71403H0510/00G004 | Flanders | 1,739 m² | 1 · 262 m² | 6.5 m · 2 fl. |
| 73098A0793/00E002indicative | Flanders | 1,111 m² | - | - |
Linked by address, not proof of ownership
Good to know
1 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 12,685 companies in sector 86951 we hold annual accounts for 2,142. 1,225 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-05-1990
Fiscal year end31-12
Activities, NACEBEL 2025
86951Physiotherapy
01430Raising of horses and other equines
Contact
E-mail
marco.snellinx@telenet.be
Phone
0498545461
Scores and ratios are computed by Checked and are not a credit decision.