OBI Consult
ActiveSummary
OBI Consult has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €11k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 2276 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
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
Profitability43▲+6
Solvency44▲+1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.25 against 2.24 in 2024; short-term debt: 44.4% and cash: 1.1% of total assets), but 80.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
19.3%
Return on assets
2.3%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €91k
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
129 d early
2023
104 d early
2022
69 d early
2021
101 d early
2020
106 d early
2019
130 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, abbreviated schema
Equity
€91k▲ 13.2%
2024 · €80k
2018: €228k
2019: €340k
2020: €350k
2021: €355k
2022: €33k
2023: €66k
2024: €80k
2018 → 2025
Total assets
€471k▲ 2.8%
2024 · €458k
2018: €1.64M
2019: €1.75M
2020: €1.80M
2021: €1.80M
2022: €453k
2023: €432k
2024: €458k
2018 → 2025
Net result
€11k▼ 26.8%
2024 · €14k
2018: €15k
2019: €112k
2020: €9k
2021: €6k
2022: €-323k
2023: €33k
2024: €14k
2018 → 2025
Working capital
€261k▲ 3.1%
2024 · €253k
2018: €128k
2019: €225k
2020: €276k
2021: €161k
2022: €290k
2023: €229k
2024: €253k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€355k-€33k▼ 90.8%€66k▲ 102%€80k▲ 22.0%€91k▲ 13.2%
Operating result€91k-€14k▼ 84.2%€62k▲ 332%€46k▼ 25.3%€39k▼ 16.8%
Net result€6k-€-323k€33k€14k▼ 56.4%€11k▼ 26.8%
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 two years in a row; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €471k
Fixed assets
€170 =
Current assets
€470k ▲ 2.8%
Equity and liabilities €471k
Equity
€91k ▲ 13.2%
Debt
€380k ▲ 0.6%
Debt's share of the balance-sheet total falls from 82.5% to 80.7%. Equity and debt are higher.
Key figures and ratios
Current ratio
2.25▲
2024 · 2.24
Debt to equity
4.18▼
2024 · 4.70
ROE
11.7%▼
2024 · 18.0%
ROA
2.3%▼
2024 · 3.2%
Debt ≤ 1 year
€209k▲
2024 · €204k
Debt > 1 year
€147k=
2024 · €147k
Income taxes
€4k▼
2024 · €5k
Staff costs
€47k▲
2024 · €38k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€458k€471k▲
Fixed assets21/28€170€170=
Financial fixed assets28€170€170=
Current assets29/58€458k€470k▲
Amounts receivable after more than one year29€312k€312k=
Other amounts receivable291€312k€312k=
Amounts receivable within one year40/41€124k€154k▲
Trade receivables40€124k€147k▲
Other amounts receivable41€86€6k▲
Cash at bank and in hand54/58€17k€5k▼
Deferred charges and accrued income490/1€5k-
Equity and liabilities
Total equity and liabilities10/49€458k€471k▲
Equity10/15€80k€91k▲
Contributions10/11€19k€19k=
Reserves13€62k€72k▲
Distributable reserves133€62k€72k▲
Amounts payable17/49€377k€380k▲
Amounts payable after more than one year17€147k€147k=
Other amounts payable178/9€147k€147k=
Amounts payable within one year42/48€204k€209k▲
Financial debts43€1k€2k▲
Credit institutions430/8€1k€2k▲
Trade debts44€475€8k▲
Suppliers440/4€475€8k▲
Taxes, remuneration and social security45€10k€3k▼
Taxes450/3€4k€341▼
Remuneration and social security454/9€6k€3k▼
Other amounts payable47/48€193k€196k▲
Accrued charges and deferred income492/3€27k€24k▼
Income statement
Code20242025
Remuneration, social security and pensions62€38k€47k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€483-
Other operating charges640/8€126€128▲
Gross operating margin9900€85k€85k▲
Operating profit (loss)9901€46k€39k▼
Financial income75/76B€2€6▲
Recurring financial income75€2€6▲
Financial charges65/66B€27k€24k▼
Recurring financial charges65€27k€24k▼
Profit (loss) for the period before taxes9903€19k€14k▼
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€14k€11k▼
Profit (loss) for the period to be appropriated9905€14k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€11k▼
Transfer to equity691/2€14k€11k▼
To other reserves6921€14k€11k▼
Social balance
Average headcount (FTE)90870.70.8▲
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-323k ▼5729%
Net result drops to €-323k, the lowest in the series; recovery starts the following year.
21-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
16-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
23-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €112k ▲635%
Operating result €223k, net result €112k, both a record.
19-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
10-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-05
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.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Oostende · 1 establishment unit since 2009
Ground area
1.8 ha
Parcel 35382D0885/00Y000, Flanders. Linked by address, not a title deed.
1 establishment unit
OBI Consult
since 20092.181.986.690
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35382D0885/00Y000 | Flanders | 1.8 ha | - | - |
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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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 7,185 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
Founded23-09-2009
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.