OVERSTEYNS
ActiveSummary
OVERSTEYNS has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €309,444 and a net result of €32,349. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 10519 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▼-19
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 9.87 against 3.38 in 2024; short-term debt: 7.3% and cash: 60.6% of total assets), and 8% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
92%
Return on assets
9.6%
Age of the figures
9 mo
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 · 10 filingsDeviation from the deadline
2025
22 d early
2024
31 d early
2023
7 d early
2022
29 d late
2021
30 d late
2020
30 d late
2019
89 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 17 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€309,444▲ 11.7%
2024 · €277,095
Total assets
€336,397▼ 2.2%
2024 · €344,079
Net result
€32,349▼ 77.3%
2024 · €142,323
Working capital
€217,216▲ 41.3%
2024 · €153,780
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€34,747€54,281▲ 56.2%€47,896▼ 11.8%€212,494▲ 344%€49,122▼ 76.9%
Net result€22,417within the sector's middle half€31,829above the sector's middle half▲ 42.0%€26,241above the sector's middle half▼ 17.6%€142,323above the sector's middle half▲ 442%€32,349within the sector's middle half▼ 77.3%
Equity€152,117above the sector's middle half▲ 17.3%€183,946above the sector's middle half▲ 20.9%€210,188above the sector's middle half▲ 14.3%€277,095above the sector's middle half▲ 31.8%€309,444within the sector's middle half▲ 11.7%
Total assets€210,557within the sector's middle half▼ 0.3%€256,503within the sector's middle half▲ 21.8%€252,984within the sector's middle half▼ 1.4%€344,079above the sector's middle half▲ 36.0%€336,397below the sector's middle half▼ 2.2%
Debt€58,439▼ 28.2%€72,557▲ 24.2%€42,796▼ 41.0%€66,984▲ 56.5%€26,953▼ 59.8%
Working capital€57,026within the sector's middle half▲ 9.7%€89,085above the sector's middle half▲ 56.2%€114,979above the sector's middle half▲ 29.1%€153,780above the sector's middle half▲ 33.7%€217,216within the sector's middle half▲ 41.3%
Solvency72.2%above the sector's middle half▲ 10.8pp71.7%above the sector's middle half▼ 0.5pp83.1%above the sector's middle half▲ 11.4pp80.5%above the sector's middle half▼ 2.6pp92.0%above the sector's middle half▲ 11.5pp
Current ratio2.45within the sector's middle half▲ 0.012.47within the sector's middle half▲ 0.024.00above the sector's middle half▲ 1.533.38above the sector's middle half▼ 0.629.87above the sector's middle half▲ 6.49
Return on assets (ROA)10.6%within the sector's middle half▲ 13.2pp12.4%above the sector's middle half▲ 1.8pp10.4%within the sector's middle half▼ 2.0pp41.4%above the sector's middle half▲ 31.0pp9.6%within the sector's middle half▼ 31.7pp
Staff (FTE)1.3▼ 18.8%1.6▲ 23.1%0.3▼ 81.3%0.1▼ 66.7%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2025 Net result -77% on 2024. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 77% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €336,397
Fixed assets
€94,699 ▼ 24.7%
Current assets
€241,698 ▲ 10.7%
Equity and liabilities €336,397
Equity
€309,444 ▲ 11.7%
Debt
€26,953 ▼ 59.8%
Debt's share of the balance-sheet total falls from 19.5% to 8.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€80,122▼
2024 · €241,795
Cash flow
€63,349▼
2024 · €171,624
Debt to equity
0.09▼
2024 · 0.24
ROE
10.5%▼
2024 · 51.4%
Interest coverage
104.94▼
2024 · 109.81
Debt ≤ 1 year
€24,481▼
2024 · €64,599
Income taxes
€16,382▼
2024 · €68,244
Staff costs
€0▼
2024 · €2,175
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €117,372 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | €31,374 | €44,882 | €11,377 | €2,175 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,682 | €7,427 | €7,198 | €29,301 | €31,000 | ▲ 5.8% |
| Other operating charges640/8 | €5,449 | €6,857 | €4,534 | €2,649 | €4,578 | ▲ 72.8% |
| Non-recurring operating charges66A | €248 | €0 | - | - | - | - |
| Gross operating margin9900 | €80,499 | €113,447 | €71,004 | €246,619 | €84,700 | ▼ 65.7% |
| Operating profit (loss)9901 | €34,747 | €54,281 | €47,896 | €212,494 | €49,122 | ▼ 76.9% |
| Financial income75/76B | €192 | €403 | €133 | €275 | €372 | ▲ 35.5% |
| Recurring financial income75 | €192 | €403 | €133 | €275 | €372 | ▲ 35.5% |
| Financial charges65/66B | €2,301 | €4,565 | €4,978 | €2,202 | €763 | ▼ 65.3% |
| Recurring financial charges65 | €2,301 | €4,565 | €4,978 | €2,202 | €763 | ▼ 65.3% |
| Profit (loss) for the period before taxes9903 | €32,638 | €50,119 | €43,050 | €210,567 | €48,731 | ▼ 76.9% |
| Income taxes67/77 | €10,221 | €18,290 | €16,809 | €68,244 | €16,382 | ▼ 76.0% |
| Profit (loss) for the period9904 | €22,417 | €31,829 | €26,241 | €142,323 | €32,349 | ▼ 77.3% |
| Transfer from tax-exempt reserves789 | €5,310 | €0 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €27,727 | €31,829 | €26,241 | €142,323 | €32,349 | ▼ 77.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €210,557 | €256,503 | €252,984 | €344,079 | €336,397 | ▼ 2.2% |
| Fixed assets21/28 | €114,329 | €106,902 | €99,703 | €125,699 | €94,699 | ▼ 24.7% |
| Tangible fixed assets22/27 | €114,329 | €106,902 | €99,703 | €125,699 | €94,699 | ▼ 24.7% |
| Land and buildings22 | €113,936 | €106,742 | €99,703 | €0 | - | - |
| Furniture and vehicles24 | €393 | €159 | €0 | €58,221 | €44,091 | ▼ 24.3% |
| Other tangible fixed assets26 | - | - | - | €67,478 | €50,609 | ▼ 25.0% |
| Current assets29/58 | €96,228 | €149,602 | €153,280 | €218,380 | €241,698 | ▲ 10.7% |
| Stocks and contracts in progress3 | €26,271 | €30,562 | €29,514 | €0 | - | - |
| Stocks30/36 | €26,271 | €30,562 | €29,514 | €0 | - | - |
| Amounts receivable within one year40/41 | €3,278 | €31,253 | €16,336 | €39,438 | €37,687 | ▼ 4.4% |
| Trade receivables40 | - | €27,804 | €13,655 | €27,714 | €0 | ▼ 100% |
| Other amounts receivable41 | €3,278 | €3,449 | €2,681 | €11,724 | €37,687 | ▲ 221% |
| Cash at bank and in hand54/58 | €47,208 | €61,238 | €84,716 | €174,269 | €204,011 | ▲ 17.1% |
| Deferred charges and accrued income490/1 | €19,471 | €26,549 | €22,714 | €4,672 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €210,557 | €256,503 | €252,984 | €344,079 | €336,397 | ▼ 2.2% |
| Equity10/15 | €152,117 | €183,946 | €210,188 | €277,095 | €309,444 | ▲ 11.7% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €90,117 | €121,946 | €148,188 | €215,095 | €247,444 | ▲ 15.0% |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Distributable reserves133 | €83,917 | €115,746 | €141,988 | €208,895 | €241,244 | ▲ 15.5% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €58,439 | €72,557 | €42,796 | €66,984 | €26,953 | ▼ 59.8% |
| Amounts payable after more than one year17 | €18,653 | €11,455 | €3,910 | €0 | - | - |
| Financial debts170/4 | €18,653 | €11,455 | €3,910 | €0 | - | - |
| Amounts payable within one year42/48 | €39,201 | €60,517 | €38,301 | €64,599 | €24,481 | ▼ 62.1% |
| Current portion of amounts payable after more than one year42 | €6,865 | €7,198 | €7,546 | €3,910 | €0 | ▼ 100% |
| Trade debts44 | €10,665 | €26,513 | €3,229 | €9,068 | €4,613 | ▼ 49.1% |
| Suppliers440/4 | €10,665 | €26,513 | €3,229 | €9,068 | €4,613 | ▼ 49.1% |
| Taxes, remuneration and social security45 | €21,671 | €26,806 | €27,527 | €51,622 | €19,869 | ▼ 61.5% |
| Taxes450/3 | €16,576 | €26,110 | €23,929 | €47,292 | €15,539 | ▼ 67.1% |
| Remuneration and social security454/9 | €5,096 | €695 | €3,598 | €4,330 | €4,330 | = |
| Accrued charges and deferred income492/3 | €585 | €585 | €585 | €2,385 | €2,472 | ▲ 3.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22,417 | €31,829 | €26,241 | €142,323 | €32,349 | ▼ 77.3% |
| + Depreciation and write-downs630 | €8,682 | €7,427 | €7,198 | €29,301 | €31,000 | ▲ 5.8% |
| Operating cash flow (approximation) | €31,099 | €39,256 | €33,439 | €171,624 | €63,349 | ▼ 63.1% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€55,297 | €0 | ▲ 100% |
| Change in cash | - | €14,030 | €23,478 | €89,553 | €29,741 | ▼ 66.8% |
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
Next filing, fiscal year 2026, expected by
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity triplescurrent ratio 9.87
Current ratio from 3.38 to 9.87; short-term debt falls from €64,599 to €24,481.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €142,323 ▲442%
Operating result €212,494, net result €142,323, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200,000Eq €210,188 ▲14.3%
3 profitable years in a row build equity to €210,188.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €22,417
Net result €22,417 after 2 loss-making years.
31-12
Financial
Equity above €150,000Eq €152,117 ▲17.3%
Equity rises from €129,700 to €152,117.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 89 days late
Show earlier events
2019
31-12
Financial
Weakest financial yearnet -€9,464
Net result drops to -€9,464, the lowest in the series; recovery starts the following year.
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 58 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Pelt · 1 establishment unit since 1987
Ground area
664 m²
Building footprint
429 m²
Volume, LiDAR
2,654 m³
2 parcels, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
OVERSTEYNS
since 19872.029.891.680
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72362C0601/00W003 | Flanders | 436 m² | 1 · 187 m² | 10.2 m · 1 fl. |
| 72362C0602/00N000 | Flanders | 228 m² | 1 · 243 m² | 10.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 2,342 companies in sector 47621 we hold annual accounts for 1,246. 930 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded02-07-1987
Fiscal year end31-12
Activities, NACEBEL 2025
47621Retail sale of newspapers and periodicals
96999Other personal services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0431485593
Also
9925:BE0431485593
Registered
10-04-2026
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.