OVOV
ActiveOVOV is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €203k and a net result of €28k. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 32% of 9863 sector peers (fiscal year 2024). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
30 d late
2023
31 d late
2022
31 d late
2021
17 d late
2020
26 d late
2019
117 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€203k▲ 15.9%
2023 · €175k
2018: €94k
2019: €103k
2020: €125k
2021: €129k
2022: €145k
2023: €175k
2018 → 2024
Net result
€28k▼ 8.1%
2023 · €30k
2018: €16k
2019: €9k
2020: €23k
2021: €4k
2022: €16k
2023: €30k
2018 → 2024
Total assets
€623k▲ 0.2%
2023 · €622k
2018: €452k
2019: €444k
2020: €651k
2021: €629k
2022: €620k
2023: €622k
2018 → 2024
Solvency
32.5%▲ 4.4pp
2023 · 28.1%
2018: 20.9%
2019: 23.1%
2020: 19.3%
2021: 20.5%
2022: 23.4%
2023: 28.1%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€125k-€129k▲ 3.1%€145k▲ 12.0%€175k▲ 20.8%€203k▲ 15.9%
Operating result€33k-€19k▼ 43.0%€28k▲ 48.1%€49k▲ 78.0%€42k▼ 14.1%
Net result€23k-€4k▼ 82.8%€16k▲ 300%€30k▲ 94.3%€28k▼ 8.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 14% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €623k
Fixed assets
€538k▼ 3.0%
Current assets
€85k▲ 26.4%
Equity and liabilities €623k
Equity
€203k▲ 15.9%
Debt
€420k▼ 6.0%
The debt ratio falls from 71.9% to 67.5%: equity grows while debt is paid down.
Key figures and ratios
Solvency
32.5%▲
2023 · 28.1%
ROE
13.7%▼
2023 · 17.2%
ROA
4.5%▼
2023 · 4.8%
Debt
€420k▼
2023 · €447k
Debt ≤ 1 year
€252k▲
2023 · €247k
Debt > 1 year
€166k▼
2023 · €197k
Income taxes
€10k▼
2023 · €14k
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€622k€623k▲
Fixed assets21/28€555k€538k▼
Tangible fixed assets22/27€355k€338k▼
Land and buildings22€320k€304k▼
Plant, machinery and equipment23€4k€4k▼
Furniture and vehicles24€31k€30k▼
Financial fixed assets28€200k€200k=
Current assets29/58€67k€85k▲
Amounts receivable within one year40/41€44k€61k▲
Trade receivables40€44k€61k▲
Cash at bank and in hand54/58€12k€14k▲
Deferred charges and accrued income490/1€11k€10k▼
Equity and liabilities
Total equity and liabilities10/49€622k€623k▲
Equity10/15€175k€203k▲
Contributions10/11€6k€6k=
Reserves13€61k€86k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€60k€85k▲
Profit (loss) carried forward14€107k€110k▲
Amounts payable17/49€447k€420k▼
Amounts payable after more than one year17€197k€166k▼
Financial debts170/4€197k€166k▼
Amounts payable within one year42/48€247k€252k▲
Current portion of amounts payable after more than one year42€31k€31k▲
Trade debts44€8k€4k▼
Suppliers440/4€8k€4k▼
Taxes, remuneration and social security45€32k€40k▲
Taxes450/3€32k€31k▼
Remuneration and social security454/9-€8k
Other amounts payable47/48€177k€177k=
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€22k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€72k€67k▼
Operating profit (loss)9901€49k€42k▼
Financial income75/76B€0€2▲
Recurring financial income75€0€2▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€44k€38k▼
Income taxes67/77€14k€10k▼
Profit (loss) for the period9904€30k€28k▼
Profit (loss) for the period to be appropriated9905€30k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€137k€135k▼
Profit (loss) brought forward from the previous period14P€107k€107k▲
Transfer to equity691/2€30k€25k▼
To other reserves6921€30k€25k▼
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
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Equity above €200kEq €203k ▲15.9%
7 profitable years in a row build equity to €203k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Highest result since 2018net €30k ▲94.3%
Operating result €49k, net result €30k, both a record.
31-12
Financial
Equity above €150kEq €175k ▲20.8%
6 profitable years in a row build equity to €175k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
2021
31-12
Financial
Weakest financial yearnet €4k ▼82.8%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 117 days late
2019
31-12
Financial
Equity above €100kEq €103k ▲9.1%
2 profitable years in a row build equity to €103k.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Hannut · 1 establishment unit since 2012
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.
Rue du Moulin 404280 HannutGround area
1,418 m²
Building footprint
236 m²
Volume, LiDAR
1,402 m³
2 parcels, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Landen 78, 4280 Hannut
since 20122.210.635.146
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64034A0636/00N000 | Wallonia | 1,028 m² | 1 · 154 m² | 10.7 m · 3 fl. |
| 64034A0148/00F000 | Wallonia | 389 m² | 1 · 82 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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 24,636 companies in sector 64210 we hold annual accounts for 19,688. 13,489 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2012
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
47770Retail sale of watches and jewellery
68204Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.