OLIVIER DE LAET
ActiveSummary
The computed 12-month bankruptcy probability of OLIVIER DE LAET is 1.8% (moderate). The 2025 annual accounts show equity of €382k and a net result of €59k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 71% of 85 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▲+7
Solvency81▼-19
Growth78▲+26
Track record92
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 1.53 against 6.72 in 2024; short-term debt: 43.6% and cash: 0.9% of total assets), and 44.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
55.7%
Return on assets
8.6%
Age of the figures
15 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 11
Relative position
BE, all sectors
reference
Sector 11
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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
2 d late
2024
34 d late
2023
on the day
2022
on the day
2021
10 d late
2020
15 d late
2019
1 d early
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
Checked, nothing found (1)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€59k▲ 54.1%
2024 · €38k
2019: €50k
2020: €31k
2021: €42k
2022: €43k
2023: €60k
2024: €38k
2019 → 2025
Working capital
€158k▼ 54.9%
2024 · €351k
2019: €155k
2020: €185k
2021: €218k
2022: €258k
2023: €313k
2024: €351k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€450k-€486k▲ 8.0%€538k▲ 10.7%€576k▲ 7.1%€382k▼ 33.7%
Operating result€53k-€56k▲ 6.0%€77k▲ 38.7%€49k▼ 36.4%€77k▲ 56.0%
Net result€42k-€43k▲ 2.0%€60k▲ 37.5%€38k▼ 36.0%€59k▲ 54.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 56% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €685k
Fixed assets
€228k ▲ 0.1%
Current assets
€457k ▲ 10.7%
Equity and liabilities €685k
Equity
€382k ▼ 33.7%
Debt
€303k ▲ 370%
Debt's share of the balance-sheet total rises from 10.1% to 44.3%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.53▼
2024 · 6.72
Debt to equity
0.79▲
2024 · 0.11
ROE
15.4%▲
2024 · 6.6%
ROA
8.6%▲
2024 · 5.9%
Debt ≤ 1 year
€299k▲
2024 · €61k
Income taxes
€26k▲
2024 · €19k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€641k€685k▲
Fixed assets21/28€228k€228k▲
Tangible fixed assets22/27€217k€217k=
Furniture and vehicles24€217k€217k=
Financial fixed assets28€11k€11k▲
Current assets29/58€413k€457k▲
Amounts receivable after more than one year29€188k€188k=
Trade receivables290€188k€188k=
Amounts receivable within one year40/41€118k€157k▲
Trade receivables40€17k€17k=
Other amounts receivable41€101k€139k▲
Cash at bank and in hand54/58€6k€6k▲
Deferred charges and accrued income490/1€101k€106k▲
Equity and liabilities
Total equity and liabilities10/49€641k€685k▲
Equity10/15€576k€382k▼
Contributions10/11€19k€19k=
Reserves13€555k€361k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€553k€359k▼
Profit (loss) carried forward14€3k€3k▼
Amounts payable17/49€64k€303k▲
Amounts payable within one year42/48€61k€299k▲
Current portion of amounts payable after more than one year42€17k€17k=
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Taxes, remuneration and social security45€31k€36k▲
Taxes450/3€31k€36k▲
Other amounts payable47/48€7k€241k▲
Accrued charges and deferred income492/3€3k€5k▲
Income statement
Code20242025
Other operating charges640/8€22k€2k▼
Gross operating margin9900€71k€78k▲
Operating profit (loss)9901€49k€77k▲
Financial income75/76B€9k€12k▲
Recurring financial income75€9k€12k▲
Financial charges65/66B€911€3k▲
Recurring financial charges65€911€3k▲
Profit (loss) for the period before taxes9903€57k€85k▲
Income taxes67/77€19k€26k▲
Profit (loss) for the period9904€38k€59k▲
Profit (loss) for the period to be appropriated9905€38k€59k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€62k▲
Profit (loss) brought forward from the previous period14P€3k€3k▲
Transfer from equity791/2-€246k
Transfer to equity691/2€38k€52k▲
To other reserves6921€38k€52k▲
Profit to be distributed694/7-€253k
Return on contributions (dividend)694-€246k
Directors or managers695-€7k
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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 2 days late
2025
11-07
KBO administration
Address struck
06-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 34 days late
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
Financial
Highest result since 2019net €60k ▲37.5%
Operating result €77k, net result €60k, both a record.
30-06
Financial
Equity above €500kEq €538k ▲10.7%
5 profitable years in a row build equity to €538k.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
15-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 15 days late
2020
30-06
Financial
Weakest financial yearnet €31k ▼38.5%
Net result drops to €31k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
Show earlier events
2018
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2012
24-04
State Gazette act
General meeting · Capital increase
Capital · Legal-form conversion
SignalFinancial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Ukkel · 1 establishment unit since 2006
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.
Alsembergsesteenweg 8421180 UkkelGround area
3,892 m²
Building footprint
2,113 m²
Volume, LiDAR
20,373 m³
2 parcels, Brussels · tallest building 22.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Establishment
since 20062.151.266.493
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21307F0170/00A003 | Brussels | 2,276 m² | 1 · 1,024 m² | 22.9 m · 5 fl. |
| 21614E0126/00A002 | Brussels | 1,616 m² | 1 · 1,089 m² | 12.7 m · 2 fl. |
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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
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Of 274 companies in sector 11010 we hold annual accounts for 121. 62 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-07-2005
Fiscal year end30-06
Activities, NACEBEL 2025
11010Manufacture of beverages
58110Book publishing
46150Agents in the wholesale of furniture, household goods and hardware
46491Wholesale trade
46494Wholesale of non-electrical household articles
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:+32 475 735465