VAN OVERSTEYNS
ActiveVAN OVERSTEYNS has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €459k and a net result of €15k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 72% of 381 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-1
Solvency87▲+11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.22 in 2024; short-term debt: 37.6% and cash: 3.7% of total assets), and 38% 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○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
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
62%
Return on assets
2%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
16 d early
2024
21 d late
2023
43 d late
2022
30 d late
2021
57 d late
2020
82 d late
2019
7 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
19-09-2026 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
€15k▼ 42.6%
2024 · €25k
2018: €-2k
2019: €10k
2020: €-6k
2021: €-4k
2022: €-24k
2023: €3k
2024: €25k
2018 → 2025
Working capital
€112k▲ 20.6%
2024 · €93k
2018: €196k
2019: €199k
2020: €57k
2021: €31k
2022: €2k
2023: €35k
2024: €93k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€440k-€416k▼ 5.4%€419k▲ 0.7%€445k▲ 6.1%€459k▲ 3.3%
Operating result€-302-€-18k▼ 5,904%€14k€42k▲ 214%€31k▼ 27.3%
Net result€-4k-€-24k▼ 449%€3k€25k▲ 725%€15k▼ 42.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €741k
Fixed assets
€350k▼ 0.5%
Current assets
€391k▼ 23.9%
Equity and liabilities €741k
Equity
€459k▲ 3.3%
Debt
€282k▼ 33.1%
The debt ratio falls from 48.7% to 38.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52k▼
2024 · €81k
Cash flow
€36k▼
2024 · €64k
Solvency
62.0%▲
2024 · 51.3%
Current ratio
1.40▲
2024 · 1.22
Quick ratio
0.89▲
2024 · 0.77
Debt / equity
0.61▼
2024 · 0.95
ROE
3.2%▼
2024 · 5.7%
ROA
2.0%▼
2024 · 2.9%
Interest coverage
6.86▼
2024 · 9.67
Debt
€282k▼
2024 · €421k
Debt ≤ 1 year
€279k▼
2024 · €421k
Income taxes
€10k▲
2024 · €9k
Staff costs
€284k▼
2024 · €294k
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€866k€741k▼
Fixed assets21/28€352k€350k▼
Tangible fixed assets22/27€352k€350k▼
Land and buildings22€334k€324k▼
Plant, machinery and equipment23€10k€20k▲
Furniture and vehicles24€7k€6k▼
Financial fixed assets28€246€246=
Current assets29/58€514k€391k▼
Stocks and contracts in progress3€190k€143k▼
Stocks30/36€190k€143k▼
Amounts receivable within one year40/41€209k€214k▲
Trade receivables40€175k€187k▲
Other amounts receivable41€34k€26k▼
Cash at bank and in hand54/58€106k€28k▼
Deferred charges and accrued income490/1€9k€7k▼
Equity and liabilities
Total equity and liabilities10/49€866k€741k▼
Equity10/15€445k€459k▲
Contributions10/11€359k€359k=
Capital10€359k€359k=
Issued capital100€359k€359k=
Reserves13€86k€100k▲
Non-distributable reserves130/1€36k€36k=
Legal reserve130€36k€36k=
Distributable reserves133€50k€64k▲
Amounts payable17/49€421k€282k▼
Amounts payable within one year42/48€421k€279k▼
Current portion of amounts payable after more than one year42€4k-
Financial debts43€150k€100k▼
Credit institutions430/8€150k€100k▼
Trade debts44€160k€99k▼
Suppliers440/4€160k€99k▼
Advances received on contracts in progress46€36k-
Taxes, remuneration and social security45€48k€62k▲
Taxes450/3€15k€29k▲
Remuneration and social security454/9€33k€33k=
Other amounts payable47/48€22k€18k▼
Accrued charges and deferred income492/3€629€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€294k€284k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€21k▼
Other operating charges640/8€8k€18k▲
Gross operating margin9900€384k€354k▼
Operating profit (loss)9901€42k€31k▼
Financial income75/76B€755€2k▲
Recurring financial income75€755€2k▲
Financial charges65/66B€8k€8k▼
Recurring financial charges65€8k€8k▼
Profit (loss) for the period before taxes9903€35k€25k▼
Income taxes67/77€9k€10k▲
Profit (loss) for the period9904€25k€15k▼
Profit (loss) for the period to be appropriated9905€25k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€15k▼
Transfer to equity691/2€25k€15k▼
To other reserves6921€25k€15k▼
Social balance
Average headcount (FTE)90875.64.4▼
The notes to these accounts (5 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
25-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 43 days late
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 21 days late
2024
31-12
Financial
Highest result since 2018net €25k ▲725%
Operating result €42k, net result €25k, both a record.
12-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 43 days late
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after 3 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
26-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 57 days late
2021
21-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 82 days late
2020
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 7 days late
2019
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lubbeek · 1 establishment unit since 1989
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.
Diestsesteenweg(LIN) 853210 LubbeekGround area
1,550 m²
Building footprint
594 m²
Volume, LiDAR
3,078 m³
Parcel 24063B0314/00M000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VAN OVERSTEYNS NV
since 19892.046.052.672
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24063B0314/00M000 | Flanders | 1,550 m² | 1 · 594 m² | 9.1 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
2022 to 2025 · 2 entries · 4,000 EUR awarded · 4,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Similar companies · same sector, comparable size
E. NEW TAKE OFF
BE 0416.296.977
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BE 0463.354.746
Aalter · Eq €458k
DK CARS
BE 0459.323.506
Wevelgem · Eq €458k
CARROSSERIE LUDO
BE 0472.427.810
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NOISET - Remorques / Automobiles / Dépannages
BE 0412.917.617
Fauvillers · Eq €457k
Of 7,376 companies in sector 95311 we hold annual accounts for 2,958. 2,099 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-12-1989
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
47300Retail sale of automotive fuel
50103
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.