OBEPALE
ActiveOBEPALE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €261k and a net result of €22k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 61% of 16932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▼-58
Solvency100▲+1
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 2.69 against 2.36 in 2024), and 30.3% 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+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
69.7%
Return on assets
5.8%
Age of the figures
8 mo
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
29 d late
2023
30 d late
2022
58 d late
2021
17 d late
2020
31 d late
2019
12 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€261k▲ 0.3%
2024 · €261k
2018: €129k
2019: €135k
2020: €126k
2021: €127k
2022: €151k
2023: €214k
2024: €261k
2018 → 2025
Total assets
€375k▼ 8.7%
2024 · €410k
2018: €275k
2019: €261k
2020: €254k
2021: €275k
2022: €356k
2023: €434k
2024: €410k
2018 → 2025
Net result
€22k▼ 69.0%
2024 · €70k
2018: €27k
2019: €6k
2020: €3k
2021: €42k
2022: €74k
2023: €89k
2024: €70k
2018 → 2025
Working capital
€88k▲ 2.7%
2024 · €85k
2018: €70k
2019: €72k
2020: €56k
2021: €50k
2022: €15k
2023: €62k
2024: €85k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€127k-€151k▲ 18.5%€214k▲ 42.0%€261k▲ 21.6%€261k▲ 0.3%
Operating result€61k-€117k▲ 92.5%€133k▲ 14.3%€98k▼ 26.4%€35k▼ 64.4%
Net result€42k-€74k▲ 76.6%€89k▲ 21.5%€70k▼ 21.4%€22k▼ 69.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 64% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €375k
Fixed assets
€235k▼ 10.2%
Current assets
€140k▼ 5.9%
Equity and liabilities €375k
Equity
€261k▲ 0.3%
Debt
€113k▼ 24.3%
The debt ratio falls from 36.5% to 30.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€68k▼
2024 · €133k
Cash flow
€55k▼
2024 · €106k
Solvency
69.7%▲
2024 · 63.5%
Current ratio
2.69▲
2024 · 2.36
Quick ratio
2.69▲
2024 · 2.36
Debt / equity
0.43▼
2024 · 0.57
ROE
8.3%▼
2024 · 27.0%
ROA
5.8%▼
2024 · 17.1%
Interest coverage
10.56▼
2024 · 26.44
Debt
€113k▼
2024 · €150k
Debt ≤ 1 year
€52k▼
2024 · €63k
Debt > 1 year
€61k▼
2024 · €87k
Income taxes
€8k▼
2024 · €36k
Staff costs
€192▼
2024 · €11k
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€410k€375k▼
Formation expenses20€0-
Fixed assets21/28€262k€235k▼
Tangible fixed assets22/27€262k€235k▼
Land and buildings22€249k€230k▼
Furniture and vehicles24€13k€5k▼
Financial fixed assets28€25€25=
Current assets29/58€148k€140k▼
Amounts receivable within one year40/41€37k€41k▲
Trade receivables40€13k€7k▼
Other amounts receivable41€23k€34k▲
Cash at bank and in hand54/58€110k€98k▼
Deferred charges and accrued income490/1€2k€580▼
Equity and liabilities
Total equity and liabilities10/49€410k€375k▼
Equity10/15€261k€261k▲
Contributions10/11€6k€6k=
Reserves13€254k€254k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€18k€18k=
Distributable reserves133€233k€233k=
Profit (loss) carried forward14€810€2k▲
Amounts payable17/49€150k€113k▼
Amounts payable after more than one year17€87k€61k▼
Financial debts170/4€87k€61k▼
Amounts payable within one year42/48€63k€52k▼
Current portion of amounts payable after more than one year42€28k€27k▼
Financial debts43-€6k
Credit institutions430/8-€6k
Trade debts44€9k€5k▼
Suppliers440/4€9k€5k▼
Taxes, remuneration and social security45€2k€14k▲
Taxes450/3€2k€14k▲
Remuneration and social security454/9€401-
Other amounts payable47/48€24k-
Accrued charges and deferred income492/3-€536
Income statement
Code20242025
Remuneration, social security and pensions62€11k€192▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€33k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€145k€70k▼
Operating profit (loss)9901€98k€35k▼
Financial income75/76B€13k€833▼
Recurring financial income75€13k€833▼
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€106k€29k▼
Income taxes67/77€36k€8k▼
Profit (loss) for the period9904€70k€22k▼
Profit (loss) for the period to be appropriated9905€70k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€95k€23k▼
Profit (loss) brought forward from the previous period14P€25k€810▼
Transfer to equity691/2€70k-
To other reserves6921€70k-
Profit to be distributed694/7€24k€21k▼
Return on contributions (dividend)694€24k€21k▼
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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €89k ▲21.5%
Operating result €133k, net result €89k, both a record.
31-12
Financial
Equity above €200kEq €214k ▲42%
6 profitable years in a row build equity to €214k.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
31-12
Financial
Equity above €150kEq €151k ▲18.5%
5 profitable years in a row build equity to €151k.
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €3k ▼59.7%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 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, Mons · 1 establishment unit since 2008
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 de la Brisée (O.) 2167034 MonsGround area
941 m²
Building footprint
154 m²
Parcel 53062A0084/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
OBEPALE
since 20082.168.467.860
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53062A0084/00D000 | Wallonia | 941 m² | 1 · 154 m² | - |
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.
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XENUS
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IGINDO
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MASH CONSULTING
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Of 29,885 companies in sector 62200 we hold annual accounts for 18,322. 14,046 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2008
Fiscal year end31-12
Activities, NACEBEL
62030Computer programming, consultancy and related activities
62200Computer consultancy and computer facilities management
62020IT consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.