"MyOro"
Active"MyOro" has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €148k and a net result of €17k. Equity is growing by ~26.9% per year across the filed fiscal years. Its solvency ranks better than 25% of 16424 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-43
Solvency68▼-32
Growth52=
Stability94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 4.27 against 11.41 in 2024), but 70.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
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
29.5%
Return on assets
3.4%
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 24-08-2026, 24 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 · 5 filingsDeviation from the deadline
2025
24 d late
2024
5 d late
2023
1 d late
2022
3 d late
2021
16 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€17k▼ 35.8%
2024 · €26k
2021: €38k
2022: €20k
2023: €44k
2024: €26k
2021 → 2025
Working capital
€71k▼ 41.4%
2024 · €122k
2021: €40k
2022: €53k
2023: €94k
2024: €122k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€60k▲ 50.5%€104k▲ 73.0%€131k▲ 25.3%€148k▲ 13.0%
Operating result€52k-€29k▼ 44.2%€61k▲ 110%€36k▼ 40.3%€19k▼ 46.9%
Net result€38k-€20k▼ 46.9%€44k▲ 120%€26k▼ 40.0%€17k▼ 35.8%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 47% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €501k
Fixed assets
€408k▲ 4,263%
Current assets
€93k▼ 30.2%
Equity and liabilities €501k
Equity
€148k▲ 13.0%
Debt
€354k▲ 2,917%
The debt ratio rises from 8.2% to 70.5%: debt grows faster than equity.
Key figures and ratios
EBITDA
€22k▼
2024 · €38k
Cash flow
€20k▼
2024 · €28k
Solvency
29.5%▼
2024 · 91.8%
Current ratio
4.27▼
2024 · 11.41
Quick ratio
4.20▼
2024 · 11.27
Debt / equity
2.39▲
2024 · 0.09
ROE
11.5%▼
2024 · 20.2%
ROA
3.4%▼
2024 · 18.5%
Interest coverage
11.87▼
2024 · 30.38
Debt
€354k▲
2024 · €12k
Debt ≤ 1 year
€22k▲
2024 · €12k
Debt > 1 year
€332k
Income taxes
€353▼
2024 · €9k
Staff costs
€3k▲
2024 · €3k
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
Balance sheet
Code20242025
Assets
Total assets20/58€143k€501k▲
Fixed assets21/28€9k€408k▲
Tangible fixed assets22/27€9k€408k▲
Land and buildings22€5k€403k▲
Plant, machinery and equipment23-€3k
Furniture and vehicles24€4k€3k▼
Financial fixed assets28€101€101=
Current assets29/58€133k€93k▼
Amounts receivable after more than one year29€9k€6k▼
Other amounts receivable291€9k€6k▼
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€27k€46k▲
Trade receivables40€11k€19k▲
Other amounts receivable41€16k€27k▲
Cash at bank and in hand54/58€93k€28k▼
Deferred charges and accrued income490/1€2k€11k▲
Equity and liabilities
Total equity and liabilities10/49€143k€501k▲
Equity10/15€131k€148k▲
Contributions10/11€3k€3k=
Reserves13€28k€28k=
Distributable reserves133€28k€28k=
Profit (loss) carried forward14€100k€117k▲
Amounts payable17/49€12k€354k▲
Amounts payable after more than one year17-€332k
Financial debts170/4-€332k
Amounts payable within one year42/48€12k€22k▲
Current portion of amounts payable after more than one year42-€12k
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€5k€3k▼
Remuneration and social security454/9€5k€5k=
Accrued charges and deferred income492/3€34-
Income statement
Code20242025
Remuneration, social security and pensions62€3k€3k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€395€542▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€41k€28k▼
Operating profit (loss)9901€36k€19k▼
Financial income75/76B€314€1▼
Recurring financial income75€314€1▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€35k€17k▼
Income taxes67/77€9k€353▼
Profit (loss) for the period9904€26k€17k▼
Profit (loss) for the period to be appropriated9905€26k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€100k€117k▲
Profit (loss) brought forward from the previous period14P€74k€100k▲
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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Weakest financial yearnet €17k ▼35.8%
Net result drops to €17k, the lowest in the series.
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
31-12
Financial
Highest result since 2021net €44k ▲120%
Operating result €61k, net result €44k, both a record.
31-12
Financial
Equity above €100kEq €104k ▲73%
3 profitable years in a row build equity to €104k.
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 3 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Visé · 2 establishment units since 2021
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.
Rue de la Berwinne(BOM) 374600 ViséGround area
2,361 m²
Building footprint
159 m²
Volume, LiDAR
1,321 m³
2 parcels, Wallonia · tallest building 12.2 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
FONCTI'ON
since 20212.313.146.627
Rempart des Arbalétriers(VIS) 27, 4600 Visé
since 20252.390.254.204
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62108D0255/00B000 | Wallonia | 2,247 m² | 1 · 101 m² | 9.3 m · 2 fl. |
| 62108C0020/00F000 | Wallonia | 114 m² | 1 · 58 m² | 12.2 m · 4 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.
Similar companies · same sector, comparable size
SH HEALTH SIDE
BE 0767.432.326
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BILLIAU-VERVAELE
BE 0867.139.517
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KINE BAETSLÉ ISABELLE
BE 0752.794.234
Assenede · Eq €148k
DYXA
BE 0445.483.485
Seraing · Eq €148k
REVASPO
BE 0879.986.572
Affligem · Eq €148k
Of 12,688 companies in sector 86951 we hold annual accounts for 2,135. 1,717 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-2021
Fiscal year end31-12
Activities, NACEBEL
86905Human health activities
86951Physiotherapy
47740Retail trade
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.