ÜBERHAUPT
ActiveÜBERHAUPT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €217k and a net result of €-12k. Equity is growing by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-68
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 48.89 against 21.72 in 2024; short-term debt: 2% and cash: 4% of total assets), and 2.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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 06-07-2026, 25 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
25 d early
2024
19 d late
2023
2 d early
2022
40 d early
2021
30 d early
2020
11 d late
2019
3 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€217k▼ 5.1%
2024 · €229k
2019: €78k
2020: €96k
2021: €138k
2022: €169k
2023: €207k
2024: €229k
2019 → 2025
Total assets
€223k▼ 8.1%
2024 · €243k
2019: €86k
2020: €109k
2021: €159k
2022: €212k
2023: €237k
2024: €243k
2019 → 2025
Net result
€-12k
2024 · €21k
2019: €66k
2020: €18k
2021: €43k
2022: €30k
2023: €39k
2024: €21k
2019 → 2025
Working capital
€209k▼ 3.2%
2024 · €216k
2019: €77k
2020: €95k
2021: €137k
2022: €158k
2023: €196k
2024: €216k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€138k-€169k▲ 21.9%€207k▲ 23.0%€229k▲ 10.4%€217k▼ 5.1%
Operating result€60k-€43k▼ 28.2%€55k▲ 26.9%€27k▼ 51.3%€-16k
Net result€43k-€30k▼ 29.4%€39k▲ 27.9%€21k▼ 44.5%€-12k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €16k after €27k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €223k
Fixed assets
€10k▼ 40.6%
Current assets
€213k▼ 5.7%
Equity and liabilities €223k
Equity
€217k▼ 5.1%
Debt
€6k▼ 56.5%
The debt ratio falls from 5.8% to 2.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-10k▼
2024 · €34k
Cash flow
€-5k▼
2024 · €28k
Solvency
97.3%▲
2024 · 94.2%
Current ratio
48.89▲
2024 · 21.72
Quick ratio
48.89▲
2024 · 21.72
Debt / equity
0.03▼
2024 · 0.06
ROE
-5.4%▼
2024 · 9.4%
ROA
-5.2%▼
2024 · 8.8%
Interest coverage
-45.00▼
2024 · 43.01
Debt
€6k▼
2024 · €14k
Debt ≤ 1 year
€4k▼
2024 · €10k
Income taxes
€128▼
2024 · €9k
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€243k€223k▼
Fixed assets21/28€17k€10k▼
Tangible fixed assets22/27€17k€10k▼
Plant, machinery and equipment23€2k€849▼
Furniture and vehicles24€720€543▼
Leasing and similar rights25€14k€8k▼
Current assets29/58€226k€213k▼
Amounts receivable within one year40/41€13k€8k▼
Trade receivables40€10k€3k▼
Other amounts receivable41€4k€5k▲
Current investments50/53-€194k
Cash at bank and in hand54/58€211k€9k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€243k€223k▼
Equity10/15€229k€217k▼
Contributions10/11€12k€12k=
Reserves13€217k€205k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€215k€203k▼
Amounts payable17/49€14k€6k▼
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€10k€4k▼
Current portion of amounts payable after more than one year42€7k€4k▼
Trade debts44€748€791▲
Suppliers440/4€748€791▲
Taxes, remuneration and social security45€3k-
Taxes450/3€3k-
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€12k€5k▼
Gross operating margin9900€46k€-4k▼
Operating profit (loss)9901€27k€-16k▼
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€782€212▼
Recurring financial charges65€782€212▼
Profit (loss) for the period before taxes9903€30k€-12k▼
Income taxes67/77€9k€128▼
Profit (loss) for the period9904€21k€-12k▼
Profit (loss) for the period to be appropriated9905€21k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€-12k▼
Transfer from equity791/2-€12k
Transfer to equity691/2€21k-
To other reserves6921€21k-
The notes to these accounts (4 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
2026
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-12k ▼155%
Net result drops to €-12k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 48.89
Current ratio from 21.72 to 48.89; short-term debt falls from €10k to €4k.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 19 days late
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €207k ▲23%
5 profitable years in a row build equity to €207k.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €169k ▲21.9%
4 profitable years in a row build equity to €169k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €138k ▲44.9%
3 profitable years in a row build equity to €138k.
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 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, Tessenderlo-Ham · 1 establishment unit since 2018
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.
Gettendonkstraat(H) 133980 Tessenderlo-HamGround area
1,916 m²
Building footprint
202 m²
Volume, LiDAR
965 m³
Parcel 71363C0304/00S007, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ÜBERHAUPT
since 20182.272.473.042
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71363C0304/00S007 | Flanders | 1,916 m² | 1 · 202 m² | 6.6 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 755 EUR awarded · 755 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 755 EUR | 755 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 39,508 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.