OU-VERT
ActiveSummary
OU-VERT has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €-1k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 634 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-26
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 11.18 against 2.0 in 2024; short-term debt: 3.4% and cash: 7.1% of total assets), and 3.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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 74
Relative position
BE, all sectors
reference
Sector 74
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
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 23-04-2026, 99 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
99 d early
2024
51 d early
2023
162 d early
2022
42 d early
2021
59 d early
2020
57 d early
2019
31 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€75k▼ 1.8%
2024 · €77k
2018: €58k
2019: €50k
2020: €52k
2021: €57k
2022: €66k
2023: €58k
2024: €77k
2018 → 2025
Total assets
€78k▼ 20.0%
2024 · €97k
2018: €117k
2019: €105k
2020: €92k
2021: €101k
2022: €93k
2023: €103k
2024: €97k
2018 → 2025
Net result
€-1k
2024 · €19k
2018: €36k
2019: €-8k
2020: €3k
2021: €22k
2022: €9k
2023: €17k
2024: €19k
2018 → 2025
Working capital
€27k▲ 30.5%
2024 · €21k
2018: €4k
2019: €-26k
2020: €-14k
2021: €-5k
2022: €-3k
2023: €1k
2024: €21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€66k▲ 15.0%€58k▼ 12.4%€77k▲ 33.2%€75k▼ 1.8%
Operating result€26k-€15k▼ 40.7%€26k▲ 68.5%€28k▲ 8.8%€329▼ 98.8%
Net result€22k-€9k▼ 58.1%€17k▲ 86.2%€19k▲ 9.5%€-1k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 99% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78k
Fixed assets
€48k ▼ 13.8%
Current assets
€30k ▼ 28.3%
Equity and liabilities €78k
Equity
€75k ▼ 1.8%
Debt
€3k ▼ 87.2%
Debt's share of the balance-sheet total falls from 21.4% to 3.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€15k▼
2024 · €46k
Cash flow
€13k▼
2024 · €37k
Current ratio
11.18▲
2024 · 2.00
Debt to equity
0.04▼
2024 · 0.27
ROE
-1.8%▼
2024 · 24.9%
ROA
-1.7%▼
2024 · 19.6%
Interest coverage
41.78▼
2024 · 123.81
Debt ≤ 1 year
€3k▼
2024 · €21k
Income taxes
€1k▼
2024 · €9k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€97k€78k▼
Fixed assets21/28€56k€48k▼
Tangible fixed assets22/27€56k€48k▼
Land and buildings22€12k€9k▼
Plant, machinery and equipment23€16k€15k▼
Furniture and vehicles24€6k€5k▼
Other tangible fixed assets26€22k€19k▼
Current assets29/58€42k€30k▼
Amounts receivable within one year40/41€27k€24k▼
Trade receivables40€22k€12k▼
Other amounts receivable41€4k€12k▲
Cash at bank and in hand54/58€14k€6k▼
Deferred charges and accrued income490/1€2k€110▼
Equity and liabilities
Total equity and liabilities10/49€97k€78k▼
Equity10/15€77k€75k▼
Contributions10/11€14k€14k=
Reserves13€63k€63k=
Distributable reserves133€63k€63k=
Profit (loss) carried forward14€163€-1k▼
Amounts payable17/49€21k€3k▼
Amounts payable within one year42/48€21k€3k▼
Trade debts44€21k€3k▼
Suppliers440/4€21k€3k▼
Taxes, remuneration and social security45€38€0▼
Taxes450/3€38€0▼
Other amounts payable47/48€272-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€14k▼
Other operating charges640/8€576€3k▲
Gross operating margin9900€46k€17k▼
Operating profit (loss)9901€28k€329▼
Financial income75/76B€8€1▼
Recurring financial income75€8€1▼
Financial charges65/66B€368€355▼
Recurring financial charges65€368€355▼
Profit (loss) for the period before taxes9903€28k€-25▼
Income taxes67/77€9k€1k▼
Profit (loss) for the period9904€19k€-1k▼
Profit (loss) for the period to be appropriated9905€19k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€-1k▼
Profit (loss) brought forward from the previous period14P€53€163▲
Transfer to equity691/2€19k-
To other reserves6921€19k-
The notes to these accounts (7 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
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 6current ratio 11.18
Current ratio from 2.00 to 11.18; short-term debt falls from €21k to €3k.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
20-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Brugge · 1 establishment unit since 1996
Ground area
840 m²
Building footprint
416 m²
Volume, LiDAR
2,491 m³
2 parcels, Flanders · tallest building 13.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Sint-Lenardsstraat 4, 8380 Brugge
since 19962.075.282.435
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31007D0168/00K000 | Flanders | 522 m² | 1 · 164 m² | 13.8 m · 3 fl. |
| 31007D0152/00C000 | Flanders | 318 m² | 1 · 253 m² | 8.5 m · 1 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.
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ARCHITECTENKANTOOR REFLEKT
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D44 ARCHITECTURE
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Of 14,144 companies in sector 74201 we hold annual accounts for 2,612. 2,147 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
Founded30-12-1995
Fiscal year end31-12
Activities, NACEBEL 2025
74201Photography, excluding press photography
18130Pre-press and pre-media services
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.