Summary
OVME 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 €55k and a net result of €-3k. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 52% of 8023 sector peers (fiscal year 2025). The company has been active since 2016 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
1 signal. 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 01-07-2026, 30 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
30 d early
2024
33 d early
2023
37 d early
2022
11 d early
2021
26 d late
2020
17 d early
2019
7 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, micro schema
Equity
€55k▼ 5.4%
2024 · €58k
2018: €15k
2019: €20k
2020: €34k
2021: €46k
2022: €60k
2023: €60k
2024: €58k
2018 → 2025
Net result
€-3k▼ 70.0%
2024 · €-2k
2018: €8k
2019: €5k
2020: €13k
2021: €13k
2022: €14k
2023: €-119
2024: €-2k
2018 → 2025
Total assets
€103k▲ 0.2%
2024 · €103k
2018: €119k
2019: €117k
2020: €115k
2021: €113k
2022: €107k
2023: €103k
2024: €103k
2018 → 2025
Solvency
53.4%▼ 3.2pp
2024 · 56.5%
2018: 12.7%
2019: 17.2%
2020: 29.2%
2021: 40.9%
2022: 56.6%
2023: 58.5%
2024: 56.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€60k▲ 30.7%€60k▼ 0.2%€58k▼ 3.1%€55k▼ 5.4%
Operating result€19k-€20k▲ 10.1%€675▼ 96.7%€-1k€-1k▼ 2.3%
Net result€13k-€14k▲ 12.2%€-119€-2k▼ 1,458%€-3k▼ 70.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2025 against €1k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €103k
Fixed assets
€100k =
Current assets
€4k ▲ 5.2%
Equity and liabilities €103k
Equity
€55k ▼ 5.4%
Debt
€48k ▲ 7.4%
Debt's share of the balance-sheet total rises from 43.5% to 46.6%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-5.7%▼
2024 · -3.2%
ROA
-3.1%▼
2024 · -1.8%
Debt ≤ 1 year
€48k▲
2024 · €45k
Income taxes
€0▼
2024 · €20
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 · 31 lines
Balance sheet
Code20242025
Assets
Total assets20/58€103k€103k▲
Fixed assets21/28€100k€100k=
Financial fixed assets28€100k€100k=
Current assets29/58€3k€4k▲
Amounts receivable within one year40/41€3k€4k▲
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€23€0▼
Equity and liabilities
Total equity and liabilities10/49€103k€103k▲
Equity10/15€58k€55k▼
Contributions10/11€12k€12k=
Reserves13€46k€43k▼
Distributable reserves133€46k€43k▼
Amounts payable17/49€45k€48k▲
Amounts payable within one year42/48€45k€48k▲
Current portion of amounts payable after more than one year42€8k€0▼
Other amounts payable47/48€37k€48k▲
Income statement
Code20242025
Other operating charges640/8-€400
Gross operating margin9900€-1k€-1k▲
Operating profit (loss)9901€-1k€-1k▼
Financial income75/76B-€0
Recurring financial income75-€0
Non-recurring financial income76B-€0
Financial charges65/66B€467€2k▲
Recurring financial charges65€467€2k▲
Profit (loss) for the period before taxes9903€-2k€-3k▼
Income taxes67/77€20€0▼
Profit (loss) for the period9904€-2k€-3k▼
Profit (loss) for the period to be appropriated9905€-2k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-3k▼
Profit (loss) brought forward from the previous period14P€-119€0▲
Transfer from equity791/2€2k€3k▲
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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series.
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €14k ▲12.2%
Operating result €20k, net result €14k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 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, Sint-Pieters-Woluwe
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.
Sinte-Aleidisvoorplein 241150 Sint-Pieters-WoluweGround area
146 m²
Building footprint
90 m²
Volume, LiDAR
666 m³
Parcel 21683D0371/00X055, Brussels · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21683D0371/00X055 | Brussels | 146 m² | 1 · 90 m² | 11.8 m · 3 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 10,709 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
Founded20-10-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.