OHNE Ternat
ActiveThe computed 12-month bankruptcy probability of OHNE Ternat is 1.9% (moderate). The 2024 annual accounts show equity of €33k and a net result of €14k. Equity is growing by ~44% per year across the filed fiscal years. Its solvency ranks better than 56% of 9623 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability91▲+15
Solvency69▲+16
Growth78=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.45 against 2.09 in 2023; short-term debt: 24.9% and cash: 23.6% of total assets), but 56.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
43.8%
Return on assets
18.1%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-06-2025, 55 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
55 d early
2023
76 d early
2022
69 d early
2021
60 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€33k▲ 63.6%
2023 · €20k
2021: €10k
2022: €17k
2023: €20k
2021 → 2024
Total assets
€76k▲ 4.3%
2023 · €72k
2021: €72k
2022: €74k
2023: €72k
2021 → 2024
Net result
€14k▲ 208%
2023 · €4k
2021: €-10k
2022: €6k
2023: €4k
2021 → 2024
Working capital
€27k▲ 23.0%
2023 · €22k
2021: €21k
2022: €25k
2023: €22k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€10k-€17k▲ 58.7%€20k▲ 21.9%€33k▲ 63.6%
Operating result€-7k-€7k€6k▼ 23.5%€17k▲ 210%
Net result€-10k-€6k€4k▼ 27.6%€14k▲ 208%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 210% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €75k
Fixed assets
€29k▼ 1.2%
Current assets
€46k▲ 8.6%
Equity and liabilities €76k
Equity
€33k▲ 63.6%
Debt
€42k▼ 18.6%
The debt ratio falls from 72.1% to 56.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€23k▲
2023 · €11k
Cash flow
€19k▲
2023 · €9k
Solvency
43.8%▲
2023 · 27.9%
Current ratio
2.45▲
2023 · 2.09
Quick ratio
1.21▲
2023 · 1.08
Debt / equity
1.28▼
2023 · 2.58
ROE
41.3%▲
2023 · 22.0%
ROA
18.1%▲
2023 · 6.1%
Interest coverage
19.02▲
2023 · 7.67
Debt
€42k▼
2023 · €52k
Debt ≤ 1 year
€19k▼
2023 · €20k
Debt > 1 year
€23k▼
2023 · €31k
Income taxes
€3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€72k€76k▲
Formation expenses20€276€94▼
Fixed assets21/28€30k€29k▼
Tangible fixed assets22/27€21k€20k▼
Plant, machinery and equipment23€6k€8k▲
Furniture and vehicles24€3k€3k▼
Other tangible fixed assets26€11k€9k▼
Financial fixed assets28€9k€9k=
Current assets29/58€42k€46k▲
Stocks and contracts in progress3€21k€23k▲
Stocks30/36€21k€23k▲
Amounts receivable within one year40/41€3k€4k▲
Trade receivables40€2k€4k▲
Other amounts receivable41€505€0▼
Cash at bank and in hand54/58€18k€18k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€72k€76k▲
Equity10/15€20k€33k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€227€13k▲
Amounts payable17/49€52k€42k▼
Amounts payable after more than one year17€31k€23k▼
Financial debts170/4€31k€23k▼
Amounts payable within one year42/48€20k€19k▼
Current portion of amounts payable after more than one year42€7k€8k▲
Trade debts44€10k€6k▼
Suppliers440/4€10k€6k▼
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€549€2k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€944€1k▲
Accrued charges and deferred income492/3€1k€468▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€12k€25k▲
Operating profit (loss)9901€6k€17k▲
Financial income75/76B€201€116▼
Recurring financial income75€201€116▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€4k€16k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€4k€14k▲
Profit (loss) for the period to be appropriated9905€4k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€14k▲
Profit (loss) brought forward from the previous period14P€-3k€227▲
Profit to be distributed694/7€800€800=
Return on contributions (dividend)694€800€800=
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2021net €14k ▲208%
Operating result €17k, net result €14k, both a record.
16-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Ternat · 1 establishment unit since 2020
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.
Rodestraat 251742 TernatGround area
2,463 m²
Building footprint
364 m²
Volume, LiDAR
1,627 m³
2 parcels, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lagom
since 20202.304.986.155
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23071C1005/00A000 | Flanders | 2,135 m² | 1 · 270 m² | 9.4 m · 1 fl. |
| 23071C0695/00R006 | Flanders | 327 m² | 1 · 94 m² | 10.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2022 · 1 entry · 299 EUR awarded · 299 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 299 EUR | 299 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 10,524 companies in sector 47110 we hold annual accounts for 5,860. 4,481 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2020
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.