OVLF
ActiveSummary
The computed 12-month bankruptcy probability of OVLF is 3.4% (moderate). The 2025 annual accounts show equity of €4k and a net result of €-3k. Its solvency ranks better than 50% of 712 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency68▼-3
Growth32
Track record82
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity ample (current ratio 1.57 against 1.86 in 2024; short-term debt: 57.2% of total assets), but 57.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 2025Solvency, return and age of the figures
Solvency
42.8%
Return on assets
-35.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
29 d late
2024
27 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-3k
2024 · €6k
2024: €6k
2025: €-3k▼ -145% vs 2024
2024 → 2025
Working capital
€3k▼ 58.3%
2024 · €6k
2024: €6k
2025: €3k▼ -58.3% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€6k-€4k▼ 45.4%
2024: €6k
2025: €4k▼ -45.4% vs 2024
Operating result€8k-€-3k
2024: €8k
2025: €-3k▼ -135% vs 2024
Net result€6k-€-3k
2024: €6k
2025: €-3k▼ -145% vs 2024
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8k
Fixed assets
€837
Current assets
€7k
Equity and liabilities €8k
Equity
€4k ▼ 45.4%
Debt
€5k ▼ 37.1%
Debt's share of the balance-sheet total rises from 53.7% to 57.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-2k
Cash flow
€-3k
Current ratio
1.57▼
2024 · 1.86
Debt to equity
1.34▲
2024 · 1.16
ROE
-83.0%▼
2024 · 100.0%
ROA
-35.5%▼
2024 · 46.3%
Interest coverage
-28.38
Debt ≤ 1 year
€5k▼
2024 · €7k
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 · 2025 against 2024 · 30 lines
Balance sheet
Code20242025
Assets
Total assets20/58€14k€8k▼
Fixed assets21/28-€837
Tangible fixed assets22/27-€837
Furniture and vehicles24-€837
Current assets29/58€14k€7k▼
Amounts receivable within one year40/41€996€7k▲
Other amounts receivable41€996€7k▲
Cash at bank and in hand54/58€13k-
Equity and liabilities
Total equity and liabilities10/49€14k€8k▼
Equity10/15€6k€4k▼
Profit (loss) carried forward14€6k€4k▼
Amounts payable17/49€7k€5k▼
Amounts payable within one year42/48€7k€5k▼
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€2k€2k=
Taxes450/3€2k€2k=
Other amounts payable47/48€126-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€385
Other operating charges640/8€1k-
Gross operating margin9900€9k€-2k▼
Operating profit (loss)9901€8k€-3k▼
Financial charges65/66B€4€87▲
Recurring financial charges65€4€87▲
Profit (loss) for the period before taxes9903€8k€-3k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€6k€-3k▼
Profit (loss) for the period to be appropriated9905€6k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€4k▼
Profit (loss) brought forward from the previous period14P-€6k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €385 | - |
| Other operating charges640/8 | €1k | - | - |
| Gross operating margin9900 | €9k | €-2k | ▼ 127% |
| Operating profit (loss)9901 | €8k | €-3k | ▼ 135% |
| Financial charges65/66B | €4 | €87 | ▲ 1,993% |
| Recurring financial charges65 | €4 | €87 | ▲ 1,993% |
| Profit (loss) for the period before taxes9903 | €8k | €-3k | ▼ 136% |
| Income taxes67/77 | €2k | - | - |
| Profit (loss) for the period9904 | €6k | €-3k | ▼ 145% |
| Profit (loss) for the period to be appropriated9905 | €6k | €-3k | ▼ 145% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €14k | €8k | ▼ 40.9% |
| Fixed assets21/28 | - | €837 | - |
| Tangible fixed assets22/27 | - | €837 | - |
| Furniture and vehicles24 | - | €837 | - |
| Current assets29/58 | €14k | €7k | ▼ 46.9% |
| Amounts receivable within one year40/41 | €996 | €7k | ▲ 644% |
| Other amounts receivable41 | €996 | €7k | ▲ 644% |
| Cash at bank and in hand54/58 | €13k | - | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €14k | €8k | ▼ 40.9% |
| Equity10/15 | €6k | €4k | ▼ 45.4% |
| Profit (loss) carried forward14 | €6k | €4k | ▼ 45.4% |
| Amounts payable17/49 | €7k | €5k | ▼ 37.1% |
| Amounts payable within one year42/48 | €7k | €5k | ▼ 37.1% |
| Trade debts44 | €6k | €3k | ▼ 46.4% |
| Suppliers440/4 | €6k | €3k | ▼ 46.4% |
| Taxes, remuneration and social security45 | €2k | €2k | = |
| Taxes450/3 | €2k | €2k | = |
| Other amounts payable47/48 | €126 | - | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €6k | €-3k | ▼ 145% |
| + Depreciation and write-downs630 | - | €385 | - |
| Operating cash flow (approximation) | €6k | €-3k | ▼ 139% |
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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 29 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Brussel · 1 establishment unit since 2024
Ground area
411 m²
Building footprint
402 m²
Volume, LiDAR
4,676 m³
2 parcels, Brussels · tallest building 21.1 m, ±5 floors. Linked by address, not a title deed.
278
companies at this address
See who is registered here
1 establishment unit
OVLF
since 20242.356.256.593
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21809K0170/02B005 | Brussels | 336 m² | 1 · 340 m² | 21.1 m · 5 fl. |
| 21302A0075/00H003 | Brussels | 76 m² | 1 · 62 m² | 13.3 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 9,862 companies in sector 73110 we hold annual accounts for 3,753. 1,234 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
Founded14-02-2024
Fiscal year end31-12
Activities, NACEBEL 2025
73110Advertising agencies
Scores and ratios are computed by Checked and are not a credit decision.