MAISON OVERLAU
ActiveSummary
MAISON OVERLAU has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.01M and a net result of €43k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 94% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▲+51
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €170k at 30 days acceptable
Liquidity ample (current ratio 7.56 against 8.42 in 2024; short-term debt: 11.3% and cash: 39.1% of total assets), and 11.8% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
88.2%
Return on assets
1.9%
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 19-08-2026, 19 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
19 d late
2024
28 d late
2023
29 d late
2022
7 d early
2021
7 d early
2020
43 d early
2019
16 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 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
€43k
2024 · €-102k
2018: €47k
2019: €-12k
2020: €71k
2021: €181k
2022: €170k
2023: €-11k
2024: €-102k
2018 → 2025
Working capital
€1.69M▼ 13.9%
2024 · €1.96M
2018: €1.59M
2019: €1.59M
2020: €1.68M
2021: €1.88M
2022: €2.05M
2023: €2.05M
2024: €1.96M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.98M-€2.15M▲ 8.6%€2.14M▼ 0.5%€2.04M▼ 4.8%€2.01M▼ 1.4%
Operating result€245k-€226k▼ 7.7%€-15k€-109k▼ 625%€33k
Net result€181k-€170k▼ 6.4%€-11k€-102k▼ 844%€43k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €33k after a loss of €109k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.28M
Fixed assets
€334k ▲ 280%
Current assets
€1.94M ▼ 12.6%
Equity and liabilities €2.28M
Equity
€2.01M ▼ 1.4%
Debt
€269k ▼ 1.9%
Debt's share of the balance-sheet total falls from 11.9% to 11.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€52k▲
2024 · €-92k
Cash flow
€61k▲
2024 · €-85k
Current ratio
7.56▼
2024 · 8.42
Quick ratio
5.73▼
2024 · 6.59
Debt to equity
0.13▼
2024 · 0.13
ROE
2.1%▲
2024 · -5.0%
ROA
1.9%▲
2024 · -4.4%
Interest coverage
5.18▲
2024 · -10.62
Debt ≤ 1 year
€257k▼
2024 · €264k
Income taxes
€480▲
2024 · €476
Staff costs
€270k▲
2024 · €248k
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 · 60 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.31M€2.28M▼
Fixed assets21/28€88k€334k▲
Tangible fixed assets22/27€88k€333k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€16k€269k▲
Other tangible fixed assets26€69k€62k▼
Financial fixed assets28€429€294▼
Current assets29/58€2.22M€1.94M▼
Amounts receivable after more than one year29€116k€96k▼
Other amounts receivable291€116k€96k▼
Stocks and contracts in progress3€482k€471k▼
Stocks30/36€482k€471k▼
Amounts receivable within one year40/41€514k€475k▼
Trade receivables40€396k€329k▼
Other amounts receivable41€118k€146k▲
Cash at bank and in hand54/58€1.08M€890k▼
Deferred charges and accrued income490/1€26k€12k▼
Equity and liabilities
Total equity and liabilities10/49€2.31M€2.28M▼
Equity10/15€2.04M€2.01M▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€110k€38k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€32k€32k=
Distributable reserves133€71k-
Profit (loss) carried forward14€1.87M€1.91M▲
Amounts payable17/49€274k€269k▼
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€264k€257k▼
Current portion of amounts payable after more than one year42€5k€4k▼
Trade debts44€164k€107k▼
Suppliers440/4€164k€107k▼
Taxes, remuneration and social security45€48k€28k▼
Taxes450/3€24k€2k▼
Remuneration and social security454/9€25k€27k▲
Other amounts payable47/48€47k€118k▲
Accrued charges and deferred income492/3€6k€12k▲
Income statement
Code20242025
Remuneration, social security and pensions62€248k€270k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€19k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€35k-
Other operating charges640/8€18k€12k▼
Gross operating margin9900€209k€335k▲
Operating profit (loss)9901€-109k€33k▲
Financial income75/76B€16k€20k▲
Recurring financial income75€16k€20k▲
Financial charges65/66B€9k€10k▲
Recurring financial charges65€9k€10k▲
Profit (loss) for the period before taxes9903€-101k€43k▲
Income taxes67/77€476€480▲
Profit (loss) for the period9904€-102k€43k▲
Profit (loss) for the period to be appropriated9905€-102k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.87M€1.91M▲
Profit (loss) brought forward from the previous period14P€1.97M€1.87M▼
Transfer from equity791/2-€71k
Profit to be distributed694/7-€71k
Return on contributions (dividend)694-€71k
Social balance
Average headcount (FTE)90875.85.0▼
The notes to these accounts (8 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 19 days late
2025
31-12
Financial
Back to profitnet €43k
Net result €43k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-102k
Net result drops to €-102k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €2MEq €2.15M ▲8.6%
3 profitable years in a row build equity to €2.15M.
24-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €181k ▲154%
Operating result €245k, net result €181k, both a record.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €71k
Net result €71k after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Beloeil · 1 establishment unit since 1984
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.
Rue du Bosquet (Bel) 167970 BeloeilGround area
131 m²
Building footprint
94 m²
Volume, LiDAR
673 m³
Parcel 51008A0657/00L000, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Bosquet (Bel) 16, 7970 Beloeil
since 19842.023.002.207
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51008A0657/00L000 | Wallonia | 131 m² | 1 · 94 m² | 9.0 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.
Recognitions · licences · registrations
Legal Entity Identifier
6488GMLOD04530K27P09
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Of 1,719 companies in sector 47521 we hold annual accounts for 1,288. 804 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 formPublic limited company
Founded22-09-1983
Fiscal year end31-12
Activities, NACEBEL 2025
46832Wholesale of timber
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.