O & O
ActiveThe computed 12-month bankruptcy probability of O & O is 1.6% (moderate). The 2025 annual accounts show equity of €33k and a net result of €7k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 61% of 13159 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▼-18
Solvency69▼-11
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.73 against 3.06 in 2024; short-term debt: 33.3% and cash: 5.5% of total assets), but 56.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
43.7%
Return on assets
9%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €33k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
61 d late
2023
57 d late
2022
36 d late
2021
109 d late
2020
66 d late
2019
6 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▲ 26.0%
2024 · €26k
2018: €-1k
2019: €3k
2020: €-1k
2021: €3k
2022: €10k
2023: €18k
2024: €26k
2018 → 2025
Total assets
€76k▲ 59.1%
2024 · €48k
2018: €24k
2019: €15k
2020: €14k
2021: €20k
2022: €33k
2023: €48k
2024: €48k
2018 → 2025
Net result
€7k▼ 13.3%
2024 · €8k
2018: €-3k
2019: €4k
2020: €-4k
2021: €4k
2022: €8k
2023: €8k
2024: €8k
2018 → 2025
Working capital
€44k▲ 66.5%
2024 · €26k
2018: €-11k
2019: €-5k
2020: €-8k
2021: €4k
2022: €9k
2023: €23k
2024: €26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€10k▲ 268%€18k▲ 78.1%€26k▲ 42.8%€33k▲ 26.0%
Operating result€4k-€10k▲ 171%€10k▲ 2.4%€11k▲ 15.6%€22k▲ 92.3%
Net result€4k-€8k▲ 81.5%€8k▲ 7.2%€8k▼ 2.4%€7k▼ 13.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 92% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€7k▼ 20.3%
Current assets
€69k▲ 76.7%
Equity and liabilities €76k
Equity
€33k▲ 26.0%
Debt
€43k▲ 100%
The debt ratio rises from 44.8% to 56.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€23k▲
2024 · €13k
Cash flow
€9k▼
2024 · €10k
Solvency
43.7%▼
2024 · 55.2%
Current ratio
2.73▼
2024 · 3.06
Quick ratio
2.73▼
2024 · 3.05
Debt / equity
1.29▲
2024 · 0.81
ROE
20.6%▼
2024 · 30.0%
ROA
9.0%▼
2024 · 16.5%
Interest coverage
1.40▼
2024 · 2.49
Debt
€43k▲
2024 · €21k
Debt ≤ 1 year
€25k▲
2024 · €13k
Debt > 1 year
€18k▲
2024 · €9k
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€48k€76k▲
Fixed assets21/28€9k€7k▼
Tangible fixed assets22/27€5k€4k▼
Plant, machinery and equipment23€1k€875▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€895€448▼
Financial fixed assets28€3k€3k=
Current assets29/58€39k€69k▲
Stocks and contracts in progress3€150€150=
Stocks30/36€150€150=
Amounts receivable within one year40/41€32k€65k▲
Trade receivables40€386€25k▲
Other amounts receivable41€31k€40k▲
Cash at bank and in hand54/58€7k€4k▼
Deferred charges and accrued income490/1€203€0▼
Equity and liabilities
Total equity and liabilities10/49€48k€76k▲
Equity10/15€26k€33k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€8k€15k▲
Amounts payable17/49€21k€43k▲
Amounts payable after more than one year17€9k€18k▲
Financial debts170/4€9k€18k▲
Amounts payable within one year42/48€13k€25k▲
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€2k€16k▲
Suppliers440/4€2k€16k▲
Taxes, remuneration and social security45€7k€4k▼
Taxes450/3€7k€4k▼
Remuneration and social security454/9€0-
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€3k€770▼
Gross operating margin9900€16k€24k▲
Operating profit (loss)9901€11k€22k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€5k€17k▲
Recurring financial charges65€5k€17k▲
Profit (loss) for the period before taxes9903€8k€7k▼
Profit (loss) for the period9904€8k€7k▼
Profit (loss) for the period to be appropriated9905€8k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€15k▲
Profit (loss) brought forward from the previous period14P€-137€8k▲
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-12
Financial
Highest result since 2018net €8k ▲7.2%
Net result €8k, the highest in the series.
05-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 36 days late
2022
17-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 109 days late
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.35
Current ratio from 0.45 to 1.35; short-term debt falls from €14k to €11k.
05-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 66 days late
2020
31-12
Financial
Weakest financial yearnet €-4k ▼200%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 301 days late
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB 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, Antwerpen · 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.
Waalsekaai 60 (glv)2000 AntwerpenGround area
301 m²
Building footprint
290 m²
Volume, LiDAR
3,504 m³
Parcel 11811L3940/00S000, Flanders · tallest building 17.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Nouna's
since 20152.248.100.308
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3940/00S000 | Flanders | 301 m² | 1 · 290 m² | 17.9 m · 5 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.248.100.308
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Of 21,904 companies in sector 56112 we hold annual accounts for 9,781. 8,434 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded02-12-2015
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.