O.T.C.
ActiveO.T.C. has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10k and a net result of €-4k. Equity is shrinking by ~23.3% per year across the filed fiscal years. Its solvency ranks better than 91% of 2272 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 13.68; short-term debt: 7% and cash: 3.9% of total assets), and 7% 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 2025Solvency, return and age of the figures
Solvency
93%
Return on assets
-32.1%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-4k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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
4 d late
2024
84 d late
2023
446 d late
2022
24 d early
2021
24 d late
2020
26 d late
2019
35 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-4k▲ 1.3%
2024 · €-4k
2018: €11k
2019: €-8k
2020: €-12k
2021: €-9k
2022: €-8k
2023: €-7k
2024: €-4k
2018 → 2025
Working capital
€10k▼ 43.4%
2023 · €18k
2020: €39k
2021: €32k
2023: €18k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€24k▼ 24.1%€18k▼ 27.1%€14k▼ 20.6%€10k▼ 25.7%
Operating result€-11k-€-9k▲ 16.5%€-7k▲ 21.1%€-4k▲ 43.3%€-4k▲ 12.9%
Net result€-9k-€-8k▲ 17.2%€-7k▲ 14.5%€-4k▲ 44.5%€-4k▲ 1.3%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €4k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11k
Fixed assets
€420▼ 46.1%
Current assets
€11k▼ 18.5%
Equity and liabilities €11k
Equity
€10k
Debt
€787
Debt finances 7.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€-3k▲
2024 · €-4k
Cash flow
€-3k▲
2024 · €-3k
Solvency
93.0%▼
2024 · 100.0%
Current ratio
13.68
Quick ratio
13.68
Debt / equity
0.08
ROE
-34.6%▼
2024 · -26.0%
ROA
-32.1%▼
2024 · -26.0%
Interest coverage
-70.66▲
2024 · -83.78
Debt
€787
Debt ≤ 1 year
€787
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€14k€11k▼
Fixed assets21/28€779€420▼
Tangible fixed assets22/27€779€420▼
Furniture and vehicles24€779€420▼
Current assets29/58€13k€11k▼
Amounts receivable within one year40/41€4k€2k▼
Other amounts receivable41€4k€2k▼
Current investments50/53€37€37▲
Cash at bank and in hand54/58€559€439▼
Deferred charges and accrued income490/1€8k€8k=
Equity and liabilities
Total equity and liabilities10/49€14k€11k▼
Equity10/15€14k€10k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€6k€2k▼
Amounts payable17/49-€787
Amounts payable within one year42/48-€787
Trade debts44-€787
Suppliers440/4-€787
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€298€359▲
Other operating charges640/8€8€395▲
Gross operating margin9900€-4k€-3k▲
Operating profit (loss)9901€-4k€-4k▲
Financial income75/76B€476€0▼
Recurring financial income75€476€0▼
Financial charges65/66B€45€45▲
Recurring financial charges65€45€45▲
Profit (loss) for the period before taxes9903€-4k€-4k▲
Profit (loss) for the period9904€-4k€-4k▲
Profit (loss) for the period to be appropriated9905€-4k€-4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€2k▼
Profit (loss) brought forward from the previous period14P€10k€6k▼
The notes to these accounts (4 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 4 days late
2025
23-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 84 days late
20-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 446 days late
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 24 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 26 days late
2020
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 35 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 14 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 18 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, Waterloo
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.
Avenue du Capricorne 71410 WaterlooGround area
924 m²
Building footprint
140 m²
Volume, LiDAR
943 m³
Parcel 25764N0724/00N000, Wallonia · tallest building 15.2 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25764N0724/00N000 | Wallonia | 924 m² | 1 · 140 m² | 15.2 m · 2 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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IGNA
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 4,611 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-06-1996
Fiscal year end31-12
Activities, NACEBEL
69109Other legal services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.