Van Overstraeten
ActiveVan Overstraeten has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.01M and a net result of €69k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 89% of 7719 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €460k at 30 days acceptable
Liquidity ample (current ratio 7.79 against 5.68 in 2024; short-term debt: 9.3% and cash: 5% of total assets), and 17.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
82.8%
Return on assets
1%
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 31-08-2026, 31 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
31 d late
2024
31 d late
2023
6 d early
2022
11 d early
2021
67 d early
2020
43 d early
2019
35 d early
← 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, abbreviated schema
Equity
€6.01M▲ 1.2%
2024 · €5.94M
2018: €4.70M
2019: €4.73M
2020: €4.82M
2021: €5.09M
2022: €5.55M
2023: €5.77M
2024: €5.94M
2018 → 2025
Total assets
€7.26M▼ 4.0%
2024 · €7.56M
2018: €9.96M
2019: €10.20M
2020: €8.13M
2021: €8.20M
2022: €8.02M
2023: €7.53M
2024: €7.56M
2018 → 2025
Net result
€69k▼ 61.0%
2024 · €177k
2018: €58k
2019: €25k
2020: €93k
2021: €270k
2022: €458k
2023: €217k
2024: €177k
2018 → 2025
Working capital
€4.59M▲ 7.6%
2024 · €4.27M
2018: €5.08M
2019: €5.12M
2020: €3.89M
2021: €3.93M
2022: €3.80M
2023: €4.02M
2024: €4.27M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5.09M-€5.55M▲ 9.0%€5.77M▲ 3.9%€5.94M▲ 3.1%€6.01M▲ 1.2%
Operating result€396k-€626k▲ 58.2%€290k▼ 53.8%€271k▼ 6.4%€120k▼ 55.7%
Net result€270k-€458k▲ 69.4%€217k▼ 52.5%€177k▼ 18.6%€69k▼ 61.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 56% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.26M
Fixed assets
€1.99M▼ 16.4%
Current assets
€5.27M▲ 1.7%
Equity and liabilities €7.26M
Equity
€6.01M▲ 1.2%
Provisions
€169k▼ 9.6%
Debt
€1.08M▼ 24.7%
The debt ratio falls from 18.9% to 14.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€567k▼
2024 · €725k
Cash flow
€515k▼
2024 · €631k
Solvency
82.8%▲
2024 · 78.6%
Current ratio
7.79▲
2024 · 5.68
Quick ratio
7.54▲
2024 · 5.51
Debt / equity
0.18▼
2024 · 0.24
ROE
1.1%▼
2024 · 3.0%
ROA
1.0%▼
2024 · 2.3%
Interest coverage
8.89▼
2024 · 14.30
Debt
€1.08M▼
2024 · €1.43M
Debt ≤ 1 year
€677k▼
2024 · €912k
Debt > 1 year
€400k▼
2024 · €518k
Income taxes
€46k▼
2024 · €86k
Staff costs
€2.07M▼
2024 · €2.12M
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€7.56M€7.26M▼
Fixed assets21/28€2.38M€1.99M▼
Tangible fixed assets22/27€2.37M€1.97M▼
Land and buildings22€1.70M€1.52M▼
Plant, machinery and equipment23€357k€254k▼
Furniture and vehicles24€308k€196k▼
Financial fixed assets28€14k€14k=
Current assets29/58€5.18M€5.27M▲
Stocks and contracts in progress3€155k€169k▲
Stocks30/36€155k€169k▲
Amounts receivable within one year40/41€2.78M€2.87M▲
Trade receivables40€1.05M€1.21M▲
Other amounts receivable41€1.74M€1.66M▼
Current investments50/53€1.87M€1.87M=
Cash at bank and in hand54/58€372k€363k▼
Equity and liabilities
Total equity and liabilities10/49€7.56M€7.26M▼
Equity10/15€5.94M€6.01M▲
Contributions10/11€74k€74k=
Reserves13€5.87M€5.94M▲
Non-distributable reserves130/1€7k€7k=
Reserves not available under the articles1311€7k€7k=
Tax-exempt reserves132€363k€329k▼
Distributable reserves133€5.50M€5.60M▲
Provisions and deferred taxes16€187k€169k▼
Deferred taxes168€187k€169k▼
Amounts payable17/49€1.43M€1.08M▼
Amounts payable after more than one year17€518k€400k▼
Financial debts170/4€518k€400k▼
Amounts payable within one year42/48€912k€677k▼
Current portion of amounts payable after more than one year42€226k€118k▼
Trade debts44€346k-
Suppliers440/4€346k-
Advances received on contracts in progress46€222k€148k▼
Taxes, remuneration and social security45€78k€59k▼
Taxes450/3€33k€26k▼
Remuneration and social security454/9€46k€33k▼
Other amounts payable47/48€39k€352k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2.12M€2.07M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€453k€446k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€23k
Other operating charges640/8€40k€42k▲
Gross operating margin9900€2.89M€2.70M▼
Operating profit (loss)9901€271k€120k▼
Financial income75/76B€25k€41k▲
Recurring financial income75€25k€41k▲
Financial charges65/66B€51k€64k▲
Recurring financial charges65€51k€64k▲
Profit (loss) for the period before taxes9903€245k€97k▼
Transfer from deferred taxes780€18k€18k=
Income taxes67/77€86k€46k▼
Profit (loss) for the period9904€177k€69k▼
Transfer from tax-exempt reserves789€35k€35k=
Profit (loss) for the period to be appropriated9905€212k€104k▼
Appropriation of the result
Profit (loss) to be appropriated9906€212k€104k▼
Transfer to equity691/2€212k€104k▼
To other reserves6921€212k€104k▼
Social balance
Average headcount (FTE)908736.332.8▼
The notes to these accounts (10 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €458k ▲69.4%
Operating result €626k, net result €458k, both a record.
25-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €5MEq €5.09M ▲5.6%
4 profitable years in a row build equity to €5.09M.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €25k ▼57.5%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Sint-Pieters-Leeuw · 1 establishment unit since 1978
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.
Postweg 2971602 Sint-Pieters-LeeuwGround area
6,910 m²
Building footprint
2,957 m²
Volume, LiDAR
14,019 m³
Parcel 23089E0127/00L000, Flanders · tallest building 29.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Postweg 297, 1602 Sint-Pieters-Leeuw
since 19782.014.933.488
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23089E0127/00L000 | Flanders | 6,910 m² | 1 · 2,957 m² | 29.9 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
2023 · 1 entry · 1,500 EUR awarded · 1,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,500 EUR | 1,500 EUR |
Schemes
Subsidies ecologisch en veilig transport (stopgezet)
Recognitions · licences · registrations
Recognised contractor
1 categoryVan Overstraeten BV39325
Food safety, FASFC
1 siteLéglise
Dual-learning approval
4 live approvals · 3 endedBinnenschrijnwerk en interieur duaal (so)
Interieurbouwer duaal (so)
Machinaal houtbewerker duaal (so)
Medewerker hout duaal (so)
Legal Entity Identifier
875500Y1IMQGBKPCGN92
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Of 20,025 companies in sector 43320 we hold annual accounts for 9,136. 1,084 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-1978
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
45421
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.