O2 HOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €81.56M and a net result of €472k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 26% of 2377 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 07-05-2026, 85 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
85 d early
2024
20 d early
2023
9 d early
2022
52 d late
2021
31 d late
2020
61 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema, statutory
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€81.56M▲ 0.6%
2024 · €81.09M
2018: €84.43M
2019: €81.70M
2020: €81.55M
2021: €84.06M
2022: €82.36M
2023: €82.17M
2024: €81.09M
2018 → 2025
Net result
€472k
2024 · €-1.09M
2018: €-3.06M
2019: €322k
2020: €-150k
2021: €2.51M
2022: €-1.70M
2023: €-181k
2024: €-1.09M
2018 → 2025
Total assets
€250.89M▲ 1.2%
2024 · €247.96M
2018: €108.57M
2019: €112.66M
2020: €125.69M
2021: €147.63M
2022: €149.75M
2023: €162.44M
2024: €247.96M
2018 → 2025
Solvency
32.5%▼ 0.2pp
2024 · 32.7%
2018: 77.8%
2019: 72.5%
2020: 64.9%
2021: 56.9%
2022: 55.0%
2023: 50.6%
2024: 32.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€355k-€335k▼ 5.5%€678k▲ 102%€880k▲ 29.8%€983k▲ 11.6%
Equity€84.06M-€82.36M▼ 2.0%€82.17M▼ 0.2%€81.09M▼ 1.3%€81.56M▲ 0.6%
Operating result€-95k-€-95k▲ 0.5%€-56k▲ 40.5%€14k€-218k
Net result€2.51M-€-1.70M€-181k▲ 89.3%€-1.09M▼ 499%€472k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €218k after €14k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €250.89M
Fixed assets
€94.87M=
Current assets
€156.02M▲ 1.9%
Equity and liabilities €250.89M
Equity
€81.56M▲ 0.6%
Debt
€169.33M▲ 1.5%
The debt ratio rises from 67.3% to 67.5%. Equity and debt are higher.
Key figures and ratios
Solvency
32.5%▼
2024 · 32.7%
ROE
0.6%▲
2024 · -1.3%
ROA
0.2%▲
2024 · -0.4%
Debt
€169.33M▲
2024 · €166.88M
Debt ≤ 1 year
€168.71M▲
2024 · €166.88M
Income taxes
€89k▲
2024 · €48k
Staff costs
€337k▼
2024 · €339k
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€247.96M€250.89M▲
Fixed assets21/28€94.88M€94.87M=
Tangible fixed assets22/27€56k€41k▼
Furniture and vehicles24€56k€41k▼
Financial fixed assets28€94.83M€94.83M=
Affiliated companies280/1€86.61M€86.61M=
Participating interests280€86.61M€86.61M=
Other financial fixed assets284/8€8.21M€8.21M=
Shares284€8.21M€8.21M=
Current assets29/58€153.08M€156.02M▲
Amounts receivable after more than one year29€5.00M€4.00M▼
Other amounts receivable291€5.00M€4.00M▼
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€6.48M€7.52M▲
Trade receivables40€47k€83k▲
Other amounts receivable41€6.43M€7.44M▲
Current investments50/53€133.22M€138.45M▲
Other investments51/53€133.22M€138.45M▲
Cash at bank and in hand54/58€8.25M€5.95M▼
Deferred charges and accrued income490/1€126k€98k▼
Equity and liabilities
Total equity and liabilities10/49€247.96M€250.89M▲
Equity10/15€81.09M€81.56M▲
Contributions10/11€85.47M€85.47M=
Profit (loss) carried forward14€-4.38M€-3.91M▲
Amounts payable17/49€166.88M€169.33M▲
Amounts payable within one year42/48€166.88M€168.71M▲
Trade debts44€7k€57k▲
Suppliers440/4€7k€57k▲
Taxes, remuneration and social security45€39k€85k▲
Taxes450/3€11k€24k▲
Remuneration and social security454/9€29k€61k▲
Other amounts payable47/48€166.83M€168.56M▲
Accrued charges and deferred income492/3€350€626k▲
Income statement
Code20242025
Operating income70/76A€887k€989k▲
Turnover70€880k€983k▲
Other operating income74€6k€7k▲
Non-recurring operating income76A€554€0▼
Operating charges60/66A€872k€1.21M▲
Services and other goods61€461k€666k▲
Remuneration, social security and pensions62€339k€337k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€125k
Other operating charges640/8€57k€64k▲
Non-recurring operating charges66A€7€0▼
Operating profit (loss)9901€14k€-218k▼
Financial income75/76B€4.55M€5.23M▲
Recurring financial income75€4.55M€5.23M▲
Income from financial fixed assets750€2.04M€579k▼
Income from current assets751€1.92M€3.98M▲
Other financial income752/9€590k€672k▲
Financial charges65/66B€5.61M€4.46M▼
Recurring financial charges65€5.61M€4.46M▼
Debt charges650€4.08M€4.69M▲
Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651€1.45M€-351k▼
Other financial charges652/9€81k€119k▲
Profit (loss) for the period before taxes9903€-1.04M€561k▲
Income taxes67/77€48k€89k▲
Taxes670/3€48k€89k▲
Profit (loss) for the period9904€-1.09M€472k▲
Profit (loss) for the period to be appropriated9905€-1.09M€472k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4.38M€-3.91M▲
Profit (loss) brought forward from the previous period14P€-3.29M€-4.38M▼
Social balance
Average headcount (FTE)90874.24.0▼
The notes to these accounts (54 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
07-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €472k
Net result €472k after 3 loss-making years.
12-11
NBB filing
Annual accounts filed
fiscal year 2024 · consolidated
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · consolidated
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · consolidated · 52 days late
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 52 days late
2022
02-12
NBB filing
Annual accounts filed
fiscal year 2021 · consolidated · 31 days late
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Back to profitnet €2.51M
Net result €2.51M after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · consolidated · 61 days late
2019
31-12
Financial
Back to profitnet €322k
Net result €322k after one loss-making year.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Nieuwpoort · 1 establishment unit since 2011
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.
Emile Verhaerenlaan 408620 NieuwpoortGround area
1.2 ha
Building footprint
337 m²
Volume, LiDAR
2,233 m³
Parcel 38402D0517/00R012, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
O2 HOLDING
since 20112.203.817.333
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38402D0517/00R012 | Flanders | 1.2 ha | 1 · 336 m² | 10.5 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.
Structure & network
Group per the LEI register
1 subsidiarySubsidiary:Vero Duco
Recognitions · licences · registrations
Legal Entity Identifier
254900FLBVTVHXXKNC83
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 2,050 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-07-2011
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.