OVS NAV
ActiveThe computed 12-month bankruptcy probability of OVS NAV is 1.8% (moderate). The 2025 annual accounts show equity of €107k and a net result of €70k. Its solvency ranks better than 67% of 11297 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency88▲+11
Growth78
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.73 against 2.1 in 2024; short-term debt: 36.6% and cash: 53.2% of total assets), and 36.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
63.4%
Return on assets
41.5%
Age of the figures
18 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-11-2025, 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 · 2 filingsDeviation from the deadline
2025
30 d late
2024
10 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close21-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
€125k
EBIT margin
41.6%
Net result
€70k▲ 80.5%
2024 · €39k
2024: €39k
2024 → 2025
Working capital
€107k▲ 171%
2024 · €40k
2024: €40k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Turnover€125k-
Equity€40k-€107k▲ 171%
Operating result€52k-€94k▲ 80.7%
Net result€39k-€70k▲ 80.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 81% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €169k
Equity
€107k▲ 171%
Debt
€62k▲ 73.5%
The debt ratio falls from 47.5% to 36.6%. Equity and debt are higher.
Key figures and ratios
Solvency
63.4%▲
2024 · 52.5%
Current ratio
2.73▲
2024 · 2.10
Quick ratio
1.54▼
2024 · 1.61
Debt / equity
0.58▼
2024 · 0.91
ROE
65.5%▼
2024 · 98.5%
ROA
41.5%▼
2024 · 51.7%
Debt
€62k▲
2024 · €36k
Debt ≤ 1 year
€62k▲
2024 · €36k
Income taxes
€23k▲
2024 · €13k
Staff costs
€219
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€75k€169k▲
Current assets29/58€75k€169k▲
Stocks and contracts in progress3€18k€74k▲
Stocks30/36€18k€74k▲
Amounts receivable within one year40/41€13k€6k▼
Trade receivables40€13k€6k▼
Cash at bank and in hand54/58€45k€90k▲
Equity and liabilities
Total equity and liabilities10/49€75k€169k▲
Equity10/15€40k€107k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€37k€104k▲
Amounts payable17/49€36k€62k▲
Amounts payable within one year42/48€36k€62k▲
Trade debts44€648€3k▲
Suppliers440/4€648€3k▲
Taxes, remuneration and social security45€21k€45k▲
Taxes450/3€21k€45k▲
Other amounts payable47/48€14k€14k▲
Income statement
Code20242025
Turnover70€125k-
Goods, raw materials, services and sundry goods60/61€73k-
Remuneration, social security and pensions62-€219
Gross operating margin9900€52k€94k▲
Operating profit (loss)9901€52k€94k▲
Financial charges65/66B€46€111▲
Recurring financial charges65€46€111▲
Profit (loss) for the period before taxes9903€52k€94k▲
Income taxes67/77€13k€23k▲
Profit (loss) for the period9904€39k€70k▲
Profit (loss) for the period to be appropriated9905€39k€70k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€107k▲
Profit (loss) brought forward from the previous period14P-€37k
Transfer to equity691/2-€2k
To other reserves6921-€2k
Profit to be distributed694/7€2k-
Directors or managers695€2k-
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
30-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
31-03
Financial
Equity above €100kEq €107k ▲171%
2 profitable years in a row build equity to €107k.
2024
21-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ramillies · 1 establishment unit since 2023
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.
Chaussée Olivier Dehasse 111367 RamilliesGround area
935 m²
Building footprint
89 m²
Volume, LiDAR
489 m³
Parcel 25089B0341/00F002, Wallonia · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OVS NAV
since 20232.348.825.306
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25089B0341/00F002 | Wallonia | 935 m² | 1 · 89 m² | 6.8 m · 2 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
dopo
BE 0794.921.037
Roeselare · Eq €106k
AGRIVAUX
BE 0450.423.260
Charleroi · Eq €106k
AGRI-BOSS
BE 0766.516.269
Zaventem · Eq €105k
CARDINAELS
BE 0461.171.652
Maasmechelen · Eq €110k
1 2 3 CARLENS
BE 0770.635.009
Remicourt · Eq €112k
Of 806 companies in sector 46610 we hold annual accounts for 566. 371 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-04-2023
Fiscal year end31-03
Activities, NACEBEL
46500Wholesale of information and communication equipment
46610Wholesale trade
33120Repair and maintenance of machinery
77310Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.