ODDS & OVERLAY
ActiveSummary
ODDS & OVERLAY has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €859k and a net result of €137k. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 76% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-1
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 4.95 against 12.77 in 2024; short-term debt: 20.2% and cash: 1.1% of total assets), and 20.2% of the assets are financed with debt.
Credit advice 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
79.8%
Return on assets
12.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
13 d late
2024
31 d late
2023
29 d late
2022
3 d early
2021
31 d late
2020
31 d late
2019
91 d late
← 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
€859k▼ 34.4%
2024 · €1.31M
2018: €482k
2019: €607k
2020: €705k
2021: €831k
2022: €959k
2023: €1.11M
2024: €1.31M
2018 → 2025
Total assets
€1.08M▼ 23.9%
2024 · €1.41M
2018: €525k
2019: €673k
2020: €780k
2021: €894k
2022: €1.13M
2023: €1.29M
2024: €1.41M
2018 → 2025
Net result
€137k▼ 30.0%
2024 · €195k
2018: €158k
2019: €125k
2020: €98k
2021: €126k
2022: €128k
2023: €154k
2024: €195k
2018 → 2025
Working capital
€857k▼ 31.0%
2024 · €1.24M
2018: €453k
2019: €583k
2020: €671k
2021: €781k
2022: €890k
2023: €1.01M
2024: €1.24M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€831k-€959k▲ 15.4%€1.11M▲ 16.1%€1.31M▲ 17.5%€859k▼ 34.4%
Operating result€153k-€182k▲ 18.4%€229k▲ 25.9%€281k▲ 22.7%€187k▼ 33.3%
Net result€126k-€128k▲ 1.7%€154k▲ 20.3%€195k▲ 26.5%€137k▼ 30.0%
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 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.08M
Fixed assets
€1k ▼ 98.1%
Current assets
€1.07M ▼ 20.4%
Equity and liabilities €1.08M
Equity
€859k ▼ 34.4%
Debt
€217k ▲ 105%
The debt ratio rises from 7.5% to 20.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€210k▼
2024 · €304k
Cash flow
€160k▼
2024 · €218k
Current ratio
4.95▼
2024 · 12.77
Debt / equity
0.25▲
2024 · 0.08
ROE
15.9%▲
2024 · 14.9%
ROA
12.7%▼
2024 · 13.8%
Interest coverage
2122.63▼
2024 · 3473.97
Debt ≤ 1 year
€217k▲
2024 · €106k
Income taxes
€58k▼
2024 · €85k
Staff costs
€4k▲
2024 · €1k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.41M€1.08M▼
Fixed assets21/28€65k€1k▼
Tangible fixed assets22/27€65k€1k▼
Plant, machinery and equipment23-€581
Furniture and vehicles24€65k€538▼
Financial fixed assets28€90€90=
Current assets29/58€1.35M€1.07M▼
Amounts receivable within one year40/41€17k€89k▲
Trade receivables40€17k€38k▲
Other amounts receivable41-€52k
Current investments50/53€870k€974k▲
Cash at bank and in hand54/58€370k€11k▼
Deferred charges and accrued income490/1€92k-
Equity and liabilities
Total equity and liabilities10/49€1.41M€1.08M▼
Equity10/15€1.31M€859k▼
Contributions10/11€20k€20k=
Reserves13€827k€838k▲
Distributable reserves133€827k€838k▲
Profit (loss) carried forward14€461k€0▼
Amounts payable17/49€106k€217k▲
Amounts payable within one year42/48€106k€217k▲
Trade debts44€15k€20k▲
Suppliers440/4€15k€20k▲
Taxes, remuneration and social security45€91k€100k▲
Taxes450/3€88k€91k▲
Remuneration and social security454/9€3k€9k▲
Other amounts payable47/48-€96k
Income statement
Code20242025
Remuneration, social security and pensions62€1k€4k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€23k▼
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€15k-
Gross operating margin9900€322k€216k▼
Operating profit (loss)9901€281k€187k▼
Financial income75/76B-€8k
Recurring financial income75-€8k
Financial charges65/66B€88€99▲
Recurring financial charges65€88€99▲
Profit (loss) for the period before taxes9903€281k€195k▼
Income taxes67/77€85k€58k▼
Profit (loss) for the period9904€195k€137k▼
Profit (loss) for the period to be appropriated9905€195k€137k▼
Appropriation of the result
Profit (loss) to be appropriated9906€656k€598k▼
Profit (loss) brought forward from the previous period14P€461k€461k=
Transfer from equity791/2€2k€125k▲
Transfer to equity691/2€197k€137k▼
To contributions691€2k-
To other reserves6921€195k€137k▼
Profit to be distributed694/7-€586k
Return on contributions (dividend)694-€586k
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
26-08
State Gazette act
General meeting · Director resignation
Director discharge · Director appointment
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Highest result since 2018net €195k ▲26.5%
Operating result €281k, net result €195k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Equity above €1MEq €1.11M ▲16.1%
6 profitable years in a row build equity to €1.11M.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
12-07
State Gazette act
General meeting · Capital increase
Bank account · Capital
12-07
State Gazette act
General meeting · Capital increase
Bank account · Capital
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
13-04
State Gazette act
General meeting · Demerger
Real estate · Net-asset statement
2020
31-12
Financial
Weakest financial yearnet €98k ▼21.4%
Net result drops to €98k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
22-10
State Gazette act
General meeting · Statutes amendment
Reserve release · Corporate purpose · Joni Soutaer
22-10
State Gazette act
General meeting · Statutes amendment
Reserve release · Corporate purpose · Joni Soutaer
22-10
State Gazette act
General meeting · Statutes amendment
Reserve release · Corporate purpose · Joni Soutaer
22-10
State Gazette act
General meeting · Statutes amendment
Reserve release · Corporate purpose · Joni Soutaer
22-10
State Gazette act
General meeting · Statutes amendment
Reserve release · Capital
22-10
State Gazette act
General meeting · Statutes amendment
Reserve release · Capital · Joni Soutaer
22-10
State Gazette act
General meeting · Statutes amendment
Reserve release · Corporate purpose · Joni Soutaer
22-10
State Gazette act
General meeting · Statutes amendment
Reserve release · Capital
2019
31-12
Financial
Equity above €500kEq €607k ▲26%
2 profitable years in a row build equity to €607k.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 61 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 57 days late
2017
13-11
State Gazette act
General meeting · Director appointment
Permanent representative
13-11
State Gazette act
General meeting · Director appointment
Permanent representative · Power of attorney
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
11-04
State Gazette act
General meeting · Director appointment
Permanent representative
10-04
State Gazette act
General meeting · Director appointment
Permanent representative
10-04
State Gazette act
General meeting · Director appointment
Permanent representative · Director reappointment
10-04
State Gazette act
General meeting · Director appointment
Permanent representative
10-04
State Gazette act
General meeting · Director appointment
Permanent representative · Director reappointment
10-04
State Gazette act
General meeting · Director appointment
Permanent representative · Director reappointment
10-04
State Gazette act
General meeting · Director appointment
Permanent representative
10-04
State Gazette act
General meeting · Director appointment
Permanent representative · Director reappointment
10-04
State Gazette act
General meeting · Director appointment
Permanent representative
10-04
State Gazette act
General meeting · Director appointment
Permanent representative
10-04
State Gazette act
General meeting · Director appointment
Permanent representative · Director reappointment
10-04
State Gazette act
General meeting · Director appointment
Permanent representative
10-04
State Gazette act
General meeting · Director appointment
Permanent representative · Director resignation
10-04
State Gazette act
General meeting · Director appointment
Permanent representative
10-04
State Gazette act
General meeting · Director appointment
Permanent representative · Director reappointment
28-03
State Gazette act
General meeting · Director appointment
Permanent representative
12-01
State Gazette act
General meeting · Director appointment
Permanent representative · Director resignation
2015
19-11
State Gazette act
General meeting · Director appointment
Permanent representative
19-11
State Gazette act
General meeting · Director appointment
Permanent representative
19-11
State Gazette act
General meeting · Director appointment
Permanent representative
19-11
State Gazette act
General meeting · Director appointment
Permanent representative
19-11
State Gazette act
General meeting · Director appointment
Permanent representative
09-10
State Gazette act
General meeting · Capital increase
Capital · Corporate purpose
09-10
State Gazette act
General meeting · Statutes amendment
Capital · Corporate purpose
09-10
State Gazette act
General meeting · Approval
Capital increase · Bank account
07-10
State Gazette act
General meeting · Approval
Capital increase · Capital
29-09
State Gazette act
Board meeting · Director resignation
Director discharge · Director appointment
29-09
State Gazette act
Board meeting · Director resignation
Director discharge · Director appointment
29-09
State Gazette act
Board meeting · Director resignation
Director discharge · Director appointment
29-09
State Gazette act
Board meeting · Director resignation
Director discharge · Director appointment
29-09
State Gazette act
Board meeting · Director resignation
Director discharge · Director appointment
29-09
State Gazette act
Board meeting · Director resignation
Director discharge · Director appointment
29-09
State Gazette act
Board meeting · Director resignation
Director discharge · Director appointment
29-09
State Gazette act
Board meeting · Director resignation
Director discharge · Director appointment
29-09
State Gazette act
Board meeting · Director resignation
Director discharge · Director appointment
29-09
State Gazette act
Board meeting · Director resignation
Director discharge · Director appointment
29-09
State Gazette act
Board meeting · Director resignation
Director discharge · Director appointment
29-09
State Gazette act
Board meeting · Director resignation
Director discharge · Director appointment
09-09
State Gazette act
General meeting · Director appointment
Permanent representative · Power of attorney
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Brugge · 1 establishment unit since 2015
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.
Breeweg 38310 BruggeGround area
1,210 m²
Building footprint
184 m²
Parcel 31029B0403/00S002, Flanders. Linked by address, not a title deed.
1 establishment unit
Breeweg 3, 8310 Brugge
since 20152.244.012.153
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31029B0403/00S002 | Flanders | 1,209 m² | 1 · 184 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.
Structure & network
Ownership & control
26 partiesODDS & OVERLAYBE 0633.613.304
controls
Where this company holds controlthis company sits on their board26
1 subsidiary · 2 locations
2 subsidiaries · 1 location
2 locations
2 locations
1 subsidiary · 1 location
1 location
+20 more
in the list below
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 29,492 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2015
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.