BE O4
ActiveSummary
The computed 12-month bankruptcy probability of BE O4 is 3.4% (moderate). The 2025 annual accounts show equity of €15k and a net result of €12k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 40% of 7453 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency59▲+25
Growth78=
Track record100
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.06 in 2024; short-term debt: 66% and cash: 24.1% of total assets), and 66% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
5 d early
2024
on the day
2023
on the day
2022
127 d late
2021
10 d late
2020
37 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▲ 394%
2024 · €3k
2020: €-137
2021: €-2k
2022: €-7k
2023: €-12k
2024: €3k
2020 → 2025
Total assets
€44k▲ 31.7%
2024 · €34k
2020: €12k
2021: €30k
2022: €23k
2023: €28k
2024: €34k
2020 → 2025
Net result
€12k▼ 20.8%
2024 · €15k
2020: €-138
2021: €-2k
2022: €-5k
2023: €-5k
2024: €15k
2020 → 2025
Working capital
€14k▲ 730%
2024 · €2k
2020: €-7k
2021: €-6k
2022: €-9k
2023: €-14k
2024: €2k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-2k-€-7k▼ 228%€-12k▼ 67.5%€3k€15k▲ 394%
Operating result€-2k-€-5k▼ 181%€-4k▲ 15.2%€21k€19k▼ 10.0%
Net result€-2k-€-5k▼ 143%€-5k▲ 2.9%€15k€12k▼ 20.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €44k
Fixed assets
€641 ▼ 51.1%
Current assets
€44k ▲ 35.1%
Equity and liabilities €44k
Equity
€15k ▲ 394%
Debt
€29k ▼ 4.4%
Debt's share of the balance-sheet total falls from 90.9% to 66.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19k▼
2024 · €21k
Cash flow
€13k▼
2024 · €16k
Current ratio
1.49▲
2024 · 1.06
Quick ratio
1.42▲
2024 · 1.03
Debt to equity
1.94▼
2024 · 10.02
ROE
79.8%▼
2024 · 497.4%
ROA
27.1%▼
2024 · 45.1%
Interest coverage
41.52▼
2024 · 54.03
Debt ≤ 1 year
€29k▼
2024 · €31k
Income taxes
€6k▲
2024 · €5k
Staff costs
€42k▲
2024 · €41k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€34k€44k▲
Fixed assets21/28€1k€641▼
Tangible fixed assets22/27€1k€416▼
Plant, machinery and equipment23€575€215▼
Furniture and vehicles24€509€200▼
Financial fixed assets28€225€225=
Current assets29/58€32k€44k▲
Stocks and contracts in progress3€928€2k▲
Stocks30/36€928€2k▲
Amounts receivable within one year40/41€23k€29k▲
Trade receivables40€16k€10k▼
Other amounts receivable41€7k€19k▲
Cash at bank and in hand54/58€7k€11k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€34k€44k▲
Equity10/15€3k€15k▲
Contributions10/11€1€1=
Profit (loss) carried forward14€3k€15k▲
Amounts payable17/49€31k€29k▼
Amounts payable within one year42/48€31k€29k▼
Trade debts44€20k€7k▼
Suppliers440/4€20k€7k▼
Taxes, remuneration and social security45€10k€22k▲
Taxes450/3€7k€7k▲
Remuneration and social security454/9€4k€15k▲
Income statement
Code20242025
Remuneration, social security and pensions62€41k€42k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€711€794▲
Other operating charges640/8€348€30▼
Gross operating margin9900€63k€62k▼
Operating profit (loss)9901€21k€19k▼
Financial income75/76B€227€1▼
Recurring financial income75€227€1▼
Financial charges65/66B€394€465▲
Recurring financial charges65€394€465▲
Profit (loss) for the period before taxes9903€20k€18k▼
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€15k€12k▼
Profit (loss) for the period to be appropriated9905€15k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€15k▲
Profit (loss) brought forward from the previous period14P€-12k€3k▲
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
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €15k
Net result €15k after 4 loss-making years.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 127 days late
2022
30-06
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
10-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
09-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 37 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Watermaal-Bosvoorde · 1 establishment unit since 2019
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.
Terhulpsesteenweg 1501170 Watermaal-BosvoordeGround area
4,415 m²
Building footprint
2,124 m²
Volume, LiDAR
45,158 m³
Parcel 21652E0035/00R005, Brussels · tallest building 36.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
BE O4
since 20192.291.136.040
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0035/00R005 | Brussels | 4,415 m² | 1 · 2,124 m² | 36.1 m · 7 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.
Similar companies · same sector, comparable size
EYUP OZDIL
BE 1006.560.189
Zaventem · Eq €15,040
M&D DESIGN
BE 0751.944.691
Zaventem · Eq €15,055
OLIMP CONSTRUCT
BE 0782.929.758
Aalst · Eq €15,057
POUPIER MICHAEL
BE 0644.546.291
Sprimont · Eq €15,066
Construct By F&F
BE 0795.807.103
Elsene · Eq €15,069
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 10,713 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
Founded24-06-2019
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.