OFF estate

Active

Private limited companyfounded 20224 yrs activeBeigemsesteenweg 16, 1850 Grimbergen, BelgiumKBO/BCE: BE 0790.749.542

OFF estate has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111k and a net result of €-17k. Equity is growing by ~18.8% per year across the filed fiscal years. Its solvency ranks better than 37% of 7687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

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Checked score

Score 2025

45 / 100

Fair▼ -48 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-100

Solvency78▼-20

Growth52=

Stability94

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity ample (current ratio 4.88 against 2.58 in 2024), but 65.4% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 68

Relative position

BE, all sectors

reference

Sector 68

lower

← fewer bankruptcies more bankruptcies →

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 2025

Solvency, return and age of the figures

Solvency

34.6%

Return on assets

-5.3%

Age of the figures

8 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 3 filings

Deviation from the deadline

2025

19 d late

2024

67 d late

2023

82 d late

← before the deadline after the deadline →

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 months

Position in the running window

13-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€111k▼ 13.3%

2024 · €128k

2023: €69k 2024: €128k

2023 → 2025

Total assets

€320k▲ 45.3%

2024 · €220k

2023: €237k 2024: €220k

2023 → 2025

Net result

€-17k

2024 · €59k

2023: €69k 2024: €59k

2023 → 2025

Working capital

€253k▲ 91.1%

2024 · €132k

2023: €66k 2024: €132k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€69k-€128k▲ 84.7%€111k▼ 13.3%

Operating result€89k-€91k▲ 1.6%€-13k

Net result€69k-€59k▼ 13.5%€-17k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €13k after €91k in 2024, the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €320k

99.2%

Fixed assets €2k▼ 45.1%

Current assets €318k▲ 47.2%

Equity and liabilities €320k

34.6%

58.8%

Equity €111k▼ 13.3%

Provisions €21k▲ 220%

Debt €188k▲ 119%

The debt ratio rises from 39.1% to 58.8%: debt grows while equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-11k▼

2024 · €92k

Cash flow

€-15k▼

2024 · €61k

Solvency

34.6%▼

2024 · 57.9%

Current ratio

4.88▲

2024 · 2.58

Quick ratio

2.45▼

2024 · 2.45

Debt / equity

1.70▲

2024 · 0.67

ROE

-15.3%▼

2024 · 46.5%

ROA

-5.3%▼

2024 · 26.9%

Interest coverage

-4.23▼

2024 · 6.81

Debt

€188k▲

2024 · €86k

Debt ≤ 1 year

€65k▼

2024 · €84k

Debt > 1 year

€123k▲

2024 · €2k

Income taxes

€3k▼

2024 · €20k

Staff costs

€38k▲

2024 · €28k

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€220k€320k▲

Fixed assets21/28€5k€2k▼

Tangible fixed assets22/27€5k€2k▼

Plant, machinery and equipment23€3k€2k▼

Furniture and vehicles24€2k€813▼

Current assets29/58€216k€318k▲

Stocks and contracts in progress3€11k€158k▲

Stocks30/36€11k€158k▲

Amounts receivable within one year40/41€99k€91k▼

Trade receivables40€11k€58k▲

Other amounts receivable41€88k€33k▼

Cash at bank and in hand54/58€104k€67k▼

Deferred charges and accrued income490/1€3k€1k▼

Equity and liabilities

Total equity and liabilities10/49€220k€320k▲

Equity10/15€128k€111k▼

Contributions10/11€500€500=

Profit (loss) carried forward14€127k€110k▼

Provisions and deferred taxes16€7k€21k▲

Provisions for liabilities and charges160/5€7k€21k▲

Other liabilities and charges164/5€7k€21k▲

Amounts payable17/49€86k€188k▲

Amounts payable after more than one year17€2k€123k▲

Financial debts170/4€2k€123k▲

Amounts payable within one year42/48€84k€65k▼

Current portion of amounts payable after more than one year42€2k€47k▲

Trade debts44€25k€6k▼

Suppliers440/4€25k€6k▼

Taxes, remuneration and social security45€55k€12k▼

Taxes450/3€48k€5k▼

Remuneration and social security454/9€7k€7k▼

Other amounts payable47/48€833€0▼

Accrued charges and deferred income492/3-€464

Income statement Code20242025

Remuneration, social security and pensions62€28k€38k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲

Provisions for liabilities and charges: additions (uses and reversals)635/8€7k€15k▲

Other operating charges640/8€6k€6k▼

Gross operating margin9900€133k€47k▼

Operating profit (loss)9901€91k€-13k▼

Financial income75/76B€2k€2k▼

Recurring financial income75€2k€2k▼

Financial charges65/66B€14k€3k▼

Recurring financial charges65€14k€3k▼

Profit (loss) for the period before taxes9903€79k€-14k▼

Income taxes67/77€20k€3k▼

Profit (loss) for the period9904€59k€-17k▼

Profit (loss) for the period to be appropriated9905€59k€-17k▼

Appropriation of the result

Profit (loss) to be appropriated9906€128k€110k▼

Profit (loss) brought forward from the previous period14P€69k€127k▲

Profit to be distributed694/7€833€0▼

Return on contributions (dividend)694€833€0▼

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 2Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

19-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 19 days late

2025

31-12

Financial Weakest financial yearnet €-17k ▼129%

Net result drops to €-17k, the lowest in the series.

06-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 67 days late

2024

31-12

Financial Equity above €100kEq €128k ▲84.7%

2 profitable years in a row build equity to €128k.

21-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 82 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, Grimbergen · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Beigemsesteenweg 161850 Grimbergen

Ground area

515 m²

Building footprint

86 m²

Volume, LiDAR

713 m³

Parcel 23402E0190/00V024, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

OFF estate

Beigemsesteenweg 16, 1850 GrimbergenRetail trade

since 20222.339.624.063

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23402E0190/00V024	Flanders	515 m²	1 · 86 m²	12.3 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.

Recognitions · licences · registrations

Legal Entity Identifier

984500BBE79A551CF447

live in the LEI register

Similar companies · same sector, comparable size

Of 11,700 companies in sector 68310 we hold annual accounts for 6,875. 5,186 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded13-09-2022

Fiscal year end31-12

Activities, NACEBEL

68310Real estate agency activities

68311Real estate activities

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.