O-TOWN
ActiveO-TOWN has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €-4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 62% of 12642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability5▼-5
Solvency93▲+42
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 8.55 against 1.57 in 2024; short-term debt: 11.7% and cash: 100% of total assets), and 32.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
67.7%
Return on assets
-10.8%
Age of the figures
12 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
202122232425
2020 to 2025 · latest year €-4k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
30 d early
2024
29 d early
2023
28 d early
2022
33 d early
2021
32 d early
2020
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▼ 13.8%
2024 · €26k
2020: €28k
2021: €64k
2022: €96k
2023: €93k
2024: €26k
2020 → 2025
Total assets
€33k▼ 66.5%
2024 · €99k
2020: €75k
2021: €102k
2022: €125k
2023: €110k
2024: €99k
2020 → 2025
Net result
€-4k▲ 51.1%
2024 · €-7k
2020: €23k
2021: €36k
2022: €33k
2023: €-3k
2024: €-7k
2020 → 2025
Working capital
€29k▼ 18.4%
2024 · €36k
2020: €33k
2021: €70k
2022: €103k
2023: €102k
2024: €36k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€96k▲ 51.6%€93k▼ 3.1%€26k▼ 72.1%€23k▼ 13.8%
Operating result€46k-€42k▼ 8.4%€-3k€-8k▼ 175%€-4k▲ 53.5%
Net result€36k-€33k▼ 8.4%€-3k€-7k▼ 142%€-4k▲ 51.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €8k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €33k
Equity
€23k▼ 13.8%
Debt
€11k▼ 85.3%
The debt ratio falls from 73.7% to 32.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-3k▼
2024 · €-3k
Cash flow
€-3k▼
2024 · €-2k
Solvency
67.7%▲
2024 · 26.3%
Current ratio
8.55▲
2024 · 1.57
Quick ratio
8.55▲
2024 · 1.57
Debt / equity
0.48▼
2024 · 2.81
ROE
-16.0%▲
2024 · -28.1%
ROA
-10.8%▼
2024 · -7.4%
Interest coverage
-11.59▲
2024 · -12.45
Debt
€11k▼
2024 · €73k
Debt ≤ 1 year
€4k▼
2024 · €63k
Debt > 1 year
€6k▼
2024 · €10k
Income taxes
€109▲
2024 · €0
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€99k€33k▼
Fixed assets21/28€109€0▼
Tangible fixed assets22/27€109€0▼
Plant, machinery and equipment23€109€0▼
Current assets29/58€99k€33k▼
Amounts receivable within one year40/41€151-
Other amounts receivable41€151-
Cash at bank and in hand54/58€99k€33k▼
Equity and liabilities
Total equity and liabilities10/49€99k€33k▼
Equity10/15€26k€23k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€21k€18k▼
Amounts payable17/49€73k€11k▼
Amounts payable after more than one year17€10k€6k▼
Financial debts170/4€10k€6k▼
Amounts payable within one year42/48€63k€4k▼
Current portion of amounts payable after more than one year42€3k€3k▲
Trade debts44€72€86▲
Suppliers440/4€72€86▲
Taxes, remuneration and social security45€9k€32▼
Taxes450/3€9k€32▼
Other amounts payable47/48€51k€594▼
Accrued charges and deferred income492/3€384€400▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€109▼
Gross operating margin9900€-3k€-3k▼
Operating profit (loss)9901€-8k€-4k▲
Financial income75/76B€504€365▼
Recurring financial income75€504€365▼
Financial charges65/66B€212€297▲
Recurring financial charges65€212€297▲
Profit (loss) for the period before taxes9903€-7k€-3k▲
Income taxes67/77€0€109▲
Profit (loss) for the period9904€-7k€-4k▲
Profit (loss) for the period to be appropriated9905€-7k€-4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€81k€18k▼
Profit (loss) brought forward from the previous period14P€88k€21k▼
Profit to be distributed694/7€60k-
Return on contributions (dividend)694€60k-
The notes to these accounts (5 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity times 5current ratio 8.55
Current ratio from 1.57 to 8.55; short-term debt falls from €63k to €4k.
01-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity triplescurrent ratio 31.53
Current ratio from 9.30 to 31.53; short-term debt falls from €12k to €3k.
28-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2020net €36k ▲57.6%
Operating result €46k, net result €36k, both a record.
30-09
Financial
Liquidity doublescurrent ratio 5.16
Current ratio from 2.48 to 5.16; short-term debt falls from €22k to €17k.
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Opwijk · 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.
Schoolstraat 271745 OpwijkGround area
698 m²
Building footprint
275 m²
Volume, LiDAR
1,946 m³
Parcel 23060B0513/00T000, Flanders · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Schoolstraat 27, 1745 Opwijk
since 20192.295.090.868
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23060B0513/00T000 | Flanders | 698 m² | 1 · 275 m² | 12.1 m · 3 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.
Similar companies · same sector, comparable size
LUIGI BELLI LEGAL SERVICES
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BETTERWEB
BE 0682.582.862
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MV NOT
BE 1022.515.008
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WOODCOUSTICS
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Of 2,756 companies in sector 69109 we hold annual accounts for 1,209. 815 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-09-2019
Fiscal year end30-09
Activities, NACEBEL
69109Other legal services
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.