O-mar
ActiveO-mar has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €683k and a net result of €-36k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 30% of 2277 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability29▼-9
Solvency45=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity short (current ratio 0.13 against 0.14 in 2024; short-term debt: 26% and cash: 0.4% of total assets), and 80.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
2 d early
2024
27 d late
2023
7 d early
2022
69 d early
2021
31 d late
2020
121 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€683k▼ 5.0%
2024 · €719k
2020: €613k
2021: €713k
2022: €816k
2023: €609k
2024: €719k
2020 → 2025
Total assets
€3.48M▼ 1.8%
2024 · €3.54M
2020: €1.25M
2021: €1.25M
2022: €1.48M
2023: €3.56M
2024: €3.54M
2020 → 2025
Net result
€-36k
2024 · €110k
2020: €363k
2021: €100k
2022: €103k
2023: €-207k
2024: €110k
2020 → 2025
Working capital
€-786k▼ 32.4%
2024 · €-593k
2020: €-88k
2021: €-88k
2022: €-315k
2023: €-566k
2024: €-593k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€713k-€816k▲ 14.5%€609k▼ 25.4%€719k▲ 18.1%€683k▼ 5.0%
Operating result€4k-€10k▲ 113%€-291k€113k€77k▼ 31.8%
Net result€100k-€103k▲ 3.1%€-207k€110k€-36k
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 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.48M
Fixed assets
€3.36M▼ 2.4%
Current assets
€119k▲ 19.2%
Equity and liabilities €3.48M
Equity
€683k▼ 5.0%
Debt
€2.79M▼ 0.9%
The debt ratio rises from 79.7% to 80.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€152k▼
2024 · €188k
Cash flow
€38k▼
2024 · €185k
Solvency
19.7%▼
2024 · 20.3%
Current ratio
0.13▼
2024 · 0.14
Quick ratio
0.13▼
2024 · 0.14
Debt / equity
4.09▲
2024 · 3.92
ROE
-5.3%▼
2024 · 15.3%
ROA
-1.0%▼
2024 · 3.1%
Interest coverage
1.34▼
2024 · 1.82
Debt
€2.79M▼
2024 · €2.82M
Debt ≤ 1 year
€905k▲
2024 · €693k
Debt > 1 year
€1.88M▼
2024 · €2.11M
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€3.54M€3.48M▼
Fixed assets21/28€3.44M€3.36M▼
Tangible fixed assets22/27€2.22M€2.15M▼
Land and buildings22€2.22M€2.15M▼
Financial fixed assets28€1.22M€1.21M▼
Current assets29/58€100k€119k▲
Amounts receivable within one year40/41€86k€99k▲
Trade receivables40€86k€99k▲
Cash at bank and in hand54/58€14k€15k▲
Deferred charges and accrued income490/1-€6k
Equity and liabilities
Total equity and liabilities10/49€3.54M€3.48M▼
Equity10/15€719k€683k▼
Contributions10/11€250k€250k=
Reserves13€469k€433k▼
Distributable reserves133€469k€433k▼
Amounts payable17/49€2.82M€2.79M▼
Amounts payable after more than one year17€2.11M€1.88M▼
Financial debts170/4€2.11M€1.88M▼
Amounts payable within one year42/48€693k€905k▲
Current portion of amounts payable after more than one year42€224k€229k▲
Trade debts44€17k€18k▲
Suppliers440/4€17k€18k▲
Taxes, remuneration and social security45€4k€1k▼
Taxes450/3€4k€1k▼
Other amounts payable47/48€449k€657k▲
Accrued charges and deferred income492/3€17k€9k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€74k€74k=
Other operating charges640/8€1k€32k▲
Gross operating margin9900€189k€184k▼
Operating profit (loss)9901€113k€77k▼
Financial income75/76B€100k€0▼
Recurring financial income75€100k€0▼
Financial charges65/66B€103k€113k▲
Recurring financial charges65€103k€113k▲
Profit (loss) for the period before taxes9903€110k€-36k▼
Profit (loss) for the period9904€110k€-36k▼
Profit (loss) for the period to be appropriated9905€110k€-36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€110k€-36k▼
Transfer from equity791/2€0€36k▲
Transfer to equity691/2€110k€0▼
To other reserves6921€110k€0▼
The notes to these accounts (18 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
31-12
Financial
Back to profitnet €110k
Net result €110k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-207k ▼301%
Net result drops to €-207k, the lowest in the series; recovery starts the following year.
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
01-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
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, Roeselare · 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.
Populierstraat 738800 RoeselareGround area
6,389 m²
Building footprint
3,193 m²
Volume, LiDAR
17,188 m³
2 parcels, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
O-mar
since 20192.288.949.382
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36502B1626/00Y000 | Flanders | 5,718 m² | 1 · 3,057 m² | 7.7 m · 2 fl. |
| 37011A1263/00C000 | Flanders | 671 m² | 1 · 136 m² | - |
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.
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,404. 5,311 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-2019
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.