O-B-A
ActiveThe computed 12-month bankruptcy probability of O-B-A is 3.6% (moderate). The 2024 annual accounts show negative equity (€-24k) and a net result of €-29k. Its solvency ranks better than 5% of 1329 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
18
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-49
Solvency0▼-29
Growth32
Track record94
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.37 against 1.07 in 2023; short-term debt: 91.5% and cash: 9.7% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-41.3%
Return on assets
-50.3%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Sector 42
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
2324
2023 to 2024 · latest year €-24k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-04-2026, 251 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
251 d late
2023
29 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-24k
2023 · €5k
2023: €5k
2023 → 2024
Total assets
€58k▼ 51.7%
2023 · €121k
2023: €121k
2023 → 2024
Net result
€-29k
2023 · €1k
2023: €1k
2023 → 2024
Working capital
€-34k
2023 · €5k
2023: €5k
2023 → 2024
Multi-year overview
Available amounts per fiscal year
Line20232024Trend
Equity€5k-€-24k
Operating result€6k-€-26k
Net result€1k-€-29k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €26k after €6k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €58k
Fixed assets
€39k▼ 18.9%
Current assets
€20k▼ 73.2%
Key figures and ratios
EBITDA
€-13k▼
2023 · €16k
Cash flow
€-17k▼
2023 · €10k
Solvency
-41.3%▼
2023 · 4.3%
Current ratio
0.37▼
2023 · 1.07
Quick ratio
0.31▼
2023 · 1.03
Debt / equity
-3.42▼
2023 · 22.20
ROA
-50.3%▼
2023 · 1.0%
Interest coverage
-3.74▼
2023 · 3.44
Debt
€82k▼
2023 · €115k
Debt ≤ 1 year
€53k▼
2023 · €68k
Debt > 1 year
€29k▼
2023 · €47k
Staff costs
€119k▲
2023 · €90k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€121k€58k▼
Fixed assets21/28€48k€39k▼
Tangible fixed assets22/27€48k€39k▼
Plant, machinery and equipment23€4k€6k▲
Furniture and vehicles24€43k€33k▼
Current assets29/58€73k€20k▼
Stocks and contracts in progress3€3k€3k▼
Stocks30/36€3k€3k▼
Amounts receivable within one year40/41€16k€11k▼
Trade receivables40€13k€664▼
Other amounts receivable41€3k€10k▲
Cash at bank and in hand54/58€7k€6k▼
Deferred charges and accrued income490/1€47k-
Equity and liabilities
Total equity and liabilities10/49€121k€58k▼
Equity10/15€5k€-24k▼
Contributions10/11€4k€4k=
Profit (loss) carried forward14€1k€-28k▼
Amounts payable17/49€115k€82k▼
Amounts payable after more than one year17€47k€29k▼
Financial debts170/4€47k€29k▼
Amounts payable within one year42/48€68k€53k▼
Current portion of amounts payable after more than one year42€17k€18k▲
Trade debts44€7k€31k▲
Suppliers440/4€7k€31k▲
Advances received on contracts in progress46€13k-
Taxes, remuneration and social security45€12k€2k▼
Taxes450/3€605€554▼
Remuneration and social security454/9€12k€2k▼
Other amounts payable47/48€18k€1k▼
Income statement
Code20232024
Remuneration, social security and pensions62€90k€119k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€12k▲
Other operating charges640/8€877€699▼
Gross operating margin9900€107k€106k▼
Operating profit (loss)9901€6k€-26k▼
Financial income75/76B€3-
Recurring financial income75€3-
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€2k€-29k▼
Income taxes67/77€554-
Profit (loss) for the period9904€1k€-29k▼
Profit (loss) for the period to be appropriated9905€1k€-29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€-28k▼
Profit (loss) brought forward from the previous period14P-€1k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
08-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 251 days late
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
NBB filing
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, Zele · 1 establishment unit since 2023
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.
Veldekensstraat 1119240 ZeleGround area
311 m²
Building footprint
182 m²
Volume, LiDAR
1,023 m³
Parcel 42402C2057/00C004, Flanders · tallest building 10.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
O-B-A
since 20232.338.634.960
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42402C2057/00C004 | Flanders | 311 m² | 1 · 182 m² | 10.8 m · 1 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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BE 1026.311.270
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Of 295 companies in sector 42211 we hold annual accounts for 132. 46 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-2022
Fiscal year end31-12
Activities, NACEBEL
42110Construction of roads and motorways
42211Civil engineering
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.