Summary
Oyserman 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 €14.06M and a net result of €1.04M. Equity is growing by ~18.8% per year across the filed fiscal years. Its solvency ranks better than 82% of 5527 sector peers (fiscal year 2025). The company has been active since 2003 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 check 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 30-11-2025 was due by 30-06-2026 and was filed on 27-05-2026, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
34 d early
2024
41 d early
2023
4 d early
2022
99 d early
2021
29 d early
2020
24 d early
2019
38 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 30-11-2026 and is due by 30-06-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-11-2026 close30-06-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€14.06M▲ 8.0%
2024 · €13.02M
2019: €3.81M
2020: €4.92M
2021: €7.97M
2022: €9.47M
2023: €10.93M
2024: €13.02M
2019 → 2025
Net result
€1.04M▼ 50.4%
2024 · €2.09M
2019: €873k
2020: €1.11M
2021: €3.04M
2022: €1.50M
2023: €1.46M
2024: €2.09M
2019 → 2025
Total assets
€16.15M▼ 6.3%
2024 · €17.24M
2019: €5.24M
2020: €6.62M
2021: €12.97M
2022: €14.78M
2023: €16.03M
2024: €17.24M
2019 → 2025
Solvency
87.1%▲ 11.5pp
2024 · 75.5%
2019: 72.8%
2020: 74.3%
2021: 61.5%
2022: 64.1%
2023: 68.2%
2024: 75.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7.97M-€9.47M▲ 18.8%€10.93M▲ 15.5%€13.02M▲ 19.2%€14.06M▲ 8.0%
Operating result€3.71M-€1.66M▼ 55.2%€1.60M▼ 3.9%€2.36M▲ 47.4%€955k▼ 59.5%
Net result€3.04M-€1.50M▼ 50.8%€1.46M▼ 2.3%€2.09M▲ 43.2%€1.04M▼ 50.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 59% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €16.15M
Fixed assets
€8.65M ▲ 3.2%
Current assets
€7.50M ▼ 15.3%
Equity and liabilities €16.15M
Equity
€14.06M ▲ 8.0%
Debt
€2.09M ▼ 50.4%
Debt's share of the balance-sheet total falls from 24.5% to 12.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
7.4%▼
2024 · 16.1%
ROA
6.4%▼
2024 · 12.1%
Debt ≤ 1 year
€216k▼
2024 · €218k
Debt > 1 year
€1.65M▼
2024 · €3.78M
Income taxes
€373k▼
2024 · €721k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€17.24M€16.15M▼
Fixed assets21/28€8.38M€8.65M▲
Tangible fixed assets22/27€8.38M€8.65M▲
Land and buildings22€5.90M€6.07M▲
Plant, machinery and equipment23€12k€8k▼
Furniture and vehicles24€316k€374k▲
Other tangible fixed assets26€2.16M€2.20M▲
Current assets29/58€8.86M€7.50M▼
Amounts receivable after more than one year29€7.82M€6.63M▼
Other amounts receivable291€7.82M€6.63M▼
Amounts receivable within one year40/41€160k€105k▼
Trade receivables40€2k€3k▲
Other amounts receivable41€158k€102k▼
Current investments50/53-€200k
Cash at bank and in hand54/58€363k€114k▼
Deferred charges and accrued income490/1€513k€456k▼
Equity and liabilities
Total equity and liabilities10/49€17.24M€16.15M▼
Equity10/15€13.02M€14.06M▲
Contributions10/11€19k€19k=
Reserves13€2.48M€3.51M▲
Tax-exempt reserves132€765k€1.37M▲
Distributable reserves133€1.71M€2.15M▲
Profit (loss) carried forward14€10.53M€10.53M=
Amounts payable17/49€4.22M€2.09M▼
Amounts payable after more than one year17€3.78M€1.65M▼
Other amounts payable178/9€3.78M€1.65M▼
Amounts payable within one year42/48€218k€216k▼
Financial debts43€5k-
Credit institutions430/8€5k-
Trade debts44€21k€23k▲
Suppliers440/4€21k€23k▲
Taxes, remuneration and social security45€5k€15k▲
Taxes450/3€5k€9k▲
Remuneration and social security454/9-€6k
Other amounts payable47/48€186k€179k▼
Accrued charges and deferred income492/3€221k€225k▲
Income statement
Code20242025
Non-recurring operating income76A€47k€17k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€357k€409k▲
Other operating charges640/8€31k€20k▼
Gross operating margin9900€2.74M€1.38M▼
Operating profit (loss)9901€2.36M€955k▼
Financial income75/76B€549k€501k▼
Recurring financial income75€549k€501k▼
Financial charges65/66B€91k€45k▼
Recurring financial charges65€91k€45k▼
Profit (loss) for the period before taxes9903€2.82M€1.41M▼
Income taxes67/77€721k€373k▼
Profit (loss) for the period9904€2.09M€1.04M▼
Transfer to tax-exempt reserves689€741k€602k▼
Profit (loss) for the period to be appropriated9905€1.35M€436k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10.53M€10.96M▲
Profit (loss) brought forward from the previous period14P€9.17M€10.53M▲
Transfer to equity691/2-€436k
To other reserves6921-€436k
The notes to these accounts (9 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
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-11
Financial
Liquidity quadruplescurrent ratio 40.72
Current ratio from 9.45 to 40.72; short-term debt falls from €811k to €218k.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-11
Financial
Equity above €10MEq €10.93M ▲15.5%
5 profitable years in a row build equity to €10.93M.
23-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-11
Financial
Highest result since 2019net €3.04M ▲174%
Operating result €3.71M, net result €3.04M, both a record.
30-11
Financial
Equity above €5MEq €7.97M ▲61.8%
3 profitable years in a row build equity to €7.97M.
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
04-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
04-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
27-09
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.
Directors · office · real estate
Directors
5 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, Merelbeke-Melle · 1 establishment unit since 2003
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.
Gaversesteenweg 5129820 Merelbeke-MelleGround area
2,537 m²
Building footprint
303 m²
Parcel 44058A0207/00G000, Flanders. Linked by address, not a title deed.
1 establishment unit
Oyserman BV
since 20032.126.471.414
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44058A0207/00G000 | Flanders | 2,537 m² | 1 · 303 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Legal Entity Identifier
6994002VYYA4SSG5UC48
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 5,110 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
Founded07-01-2003
Fiscal year end30-11
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:peter@oyserman.net