Checked.be
Active
BE 0794.145.136Private limited company
O.S. IMMO
Rue de l'Avenir 10 ·4530 Villers-le-Bouillet, Belgium· 3 yrs active
Conclusion
The computed 12-month bankruptcy probability of O.S. IMMO is 2.4% (moderate). The 2025 annual accounts show equity of €2.45M and a net result of €10k. Equity remains stable across the filed fiscal years (±1.3% per year). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Key figures
| Equity | €2.45M |
| Net result | €10k |
| Active | 3 yrs |
| Locations | 1 |
Financial profile
65
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
78
Profitability
2
Solvency
100
Growth
52
Stability
94
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
78
/ 100
Excellent
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€190k
estimate, not credit advice
Score history
53
2023
86
2024
78
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 10.20 (≥ 1.5)
+10
Quick ratio
Quick ratio 10.20 (≥ 1.0)
+5
Leverage
Debt/equity 0.00 (< 1.0)
+10
Profitability
ROE 0%
+3
Profit trend
Net profit down YoY
-3
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 19-12-2025 with the NBB · fiscal year 2025 · full schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable
Equity: stable across 3 fiscal years (±1.3%/year).
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
€10k
-94.7%
23-25
€2.46M
-1.3%
23-25
€2.45M
+0.4%
23-25
€61k
+18.4%
23-25
€4k
+9.3%
23-25
€140k
-
23-25
€7k
-86.8%
23-25
€7k
-86.5%
23-25
10.20
+398.2%
23-25
10.20
+398.2%
23-25
99.7%
+1.8%
23-25
0.00
-86.8%
23-25
0.4%
-94.7%
23-25
0.4%
-94.6%
23-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Deposit | full schema | micro schema | micro schema |
| Revenue | - | - | - |
| EBITDA | - | - | - |
| Net profit | €10k | €195k | €11k |
| Cash flow | - | - | - |
| Staff costs | - | - | - |
| Income taxes | €4k | €3k | €4k |
| Dividends | - | €140k | - |
| Total assets | €2.46M | €2.49M | €2.42M |
| Equity | €2.45M | €2.44M | €2.39M |
| Debt | €7k | €50k | €31k |
| of which ≤ 1y | €7k | €49k | €31k |
| of which > 1y | - | - | - |
| Working capital | €61k | €52k | €-5k |
| Employees (FTE) | - | - | - |
Note: these years are not on the same basis. The filed schemas differ (full schema, micro schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Current ratio | 10.20 | 2.05 | 0.84 |
| Quick ratio | 10.20 | 2.05 | 0.84 |
| Working capital ratio | 2.5% | 2.1% | -0.2% |
| Solvency | 99.7% | 98.0% | 98.7% |
| Debt / equity | 0.00 | 0.02 | 0.01 |
| Long-term debt ratio | - | - | - |
| Interest coverage | - | - | - |
| Gross margin | - | - | - |
| Net margin | - | - | - |
| ROA | 0.4% | 7.8% | 0.5% |
| ROE | 0.4% | 8.0% | 0.5% |
| EBITDA margin | - | - | - |
| Days sales outstanding | - | - | - |
| Days payable outstanding | - | - | - |
| Inventory turnover | - | - | - |
| Days inventory (DSI) | - | - | - |
Balance-sheet composition 2025
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet, Assets | ||||
| TOTAL ASSETS | 20/58 | €2.46M | €2.49M | €2.42M |
| Fixed assets | 21/28 | €2.39M | €2.39M | €2.39M |
| Financial fixed assets | 28 | €2.39M | €2.39M | €2.39M |
| Current assets | 29/58 | €68k | €101k | €26k |
| Cash & bank | 54/58 | €14k | €63k | - |
| Balance sheet, Equity & liabilities | ||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €2.46M | €2.49M | €2.42M |
| Equity | 10/15 | €2.45M | €2.44M | €2.39M |
| Contributions / capital | 10/11 | €19k | €19k | €19k |
| Reserves | 13 | €2.43M | €2.42M | €2.36M |
| Accumulated profits (losses) | 14 | €2k | €1k | €6k |
| Amounts payable | 17/49 | €7k | €50k | €31k |
| Amounts payable within one year | 42/48 | €7k | €49k | €31k |
| Trade debts payable within one year | 44 | €57 | - | - |
| Income statement | ||||
| Gross operating margin | 9900 | €-1k | €-1k | €144 |
| Operating result | 9901 | €-1k | €-2k | €-204 |
| Financial income | 75 | €16k | €202k | €16k |
| Financial charges | 65 | €84 | €1k | €120 |
| Result before taxes | 9903 | €14k | €199k | €15k |
| Income taxes | 67/77 | €4k | €3k | €4k |
| Net result for the period | 9904 | €10k | €195k | €11k |
| Result to be appropriated | 9905 | €10k | €355k | €133k |
Legal Structure
| NACE primary | - |
| Legal form | Private limited company(610) |
| Incorporation | 28-11-2022 |
| Status | Active |
| Postal code | 4530 |
Establishment units
O.S. IMMO
since 20222.339.931.988
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61068A0533/00P000 | Wallonia | 1.6 ha | 1 · 4,982 m² | 8.6 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2025
19-12
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
30-06
Financial
Weakest financial yearnet €10k ▼94.7%
Net result drops to €10k, the lowest in the series.
30-06
Financial
Liquidity times 5current ratio 10.20
Current ratio from 2.05 to 10.20; short-term debt falls from €49k to €7k.
22-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2023net €195k ▲1641%
Net result €195k, the highest in the series.
30-06
Financial
Liquidity doublescurrent ratio 2.05
Current ratio from 0.84 to 2.05.
18-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Names & trade names
| Legal nameFR | O.S. IMMO |