OROTRACT
ActiveOROTRACT has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.29M and a net result of €220k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 76% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-2
Solvency100▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 4.39 against 2.31 in 2024; short-term debt: 14.7% and cash: 26.9% of total assets), and 14.7% 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 86
Relative position
BE, all sectors
reference
Sector 86
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
85.3%
Return on assets
14.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
21 d early
2023
56 d late
2022
422 d late
2021
122 d late
2020
138 d late
2019
118 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.29M▲ 20.5%
2024 · €1.07M
2018: €509k
2019: €634k
2020: €728k
2021: €876k
2022: €977k
2023: €1.27M
2024: €1.07M
2018 → 2025
Total assets
€1.52M▲ 4.4%
2024 · €1.45M
2018: €1.17M
2019: €1.17M
2020: €1.14M
2021: €1.28M
2022: €1.29M
2023: €1.40M
2024: €1.45M
2018 → 2025
Net result
€220k▼ 8.3%
2024 · €240k
2018: €108k
2019: €125k
2020: €94k
2021: €148k
2022: €101k
2023: €292k
2024: €240k
2018 → 2025
Working capital
€755k▲ 52.0%
2024 · €497k
2018: €59k
2019: €103k
2020: €115k
2021: €202k
2022: €302k
2023: €662k
2024: €497k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€876k-€977k▲ 11.5%€1.27M▲ 29.9%€1.07M▼ 15.5%€1.29M▲ 20.5%
Operating result€190k-€191k▲ 0.7%€432k▲ 126%€352k▼ 18.5%€319k▼ 9.4%
Net result€148k-€101k▼ 31.8%€292k▲ 189%€240k▼ 17.9%€220k▼ 8.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.52M
Fixed assets
€538k▼ 6.7%
Current assets
€978k▲ 11.7%
Equity and liabilities €1.52M
Equity
€1.29M▲ 20.5%
Debt
€223k▼ 41.3%
The debt ratio falls from 26.1% to 14.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€367k▼
2024 · €401k
Cash flow
€268k▼
2024 · €288k
Solvency
85.3%▲
2024 · 73.9%
Current ratio
4.39▲
2024 · 2.31
Quick ratio
4.39▲
2024 · 2.31
Debt / equity
0.17▼
2024 · 0.35
ROE
17.0%▼
2024 · 22.3%
ROA
14.5%▼
2024 · 16.5%
Interest coverage
215.21▲
2024 · 128.25
Debt
€223k▼
2024 · €379k
Debt ≤ 1 year
€223k▼
2024 · €379k
Income taxes
€98k▼
2024 · €110k
Staff costs
€36k▼
2024 · €57k
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€1.45M€1.52M▲
Fixed assets21/28€577k€538k▼
Tangible fixed assets22/27€577k€538k▼
Land and buildings22€522k€503k▼
Plant, machinery and equipment23€4k€9k▲
Furniture and vehicles24€39k€15k▼
Other tangible fixed assets26€12k€11k▼
Financial fixed assets28€50€50=
Current assets29/58€875k€978k▲
Amounts receivable within one year40/41€179k€198k▲
Trade receivables40€159k€134k▼
Other amounts receivable41€21k€65k▲
Current investments50/53€347k€365k▲
Cash at bank and in hand54/58€347k€408k▲
Deferred charges and accrued income490/1€2k€7k▲
Equity and liabilities
Total equity and liabilities10/49€1.45M€1.52M▲
Equity10/15€1.07M€1.29M▲
Contributions10/11€12k€12k=
Reserves13€1.04M€1.25M▲
Distributable reserves133€1.04M€1.25M▲
Profit (loss) carried forward14€25k€26k▲
Amounts payable17/49€379k€223k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€379k€223k▼
Current portion of amounts payable after more than one year42€7k€0▼
Trade debts44€18k€9k▼
Suppliers440/4€18k€9k▼
Taxes, remuneration and social security45€37k€38k▲
Taxes450/3€25k€30k▲
Remuneration and social security454/9€12k€9k▼
Other amounts payable47/48€316k€176k▼
Accrued charges and deferred income492/3€306€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€57k€36k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€48k▼
Other operating charges640/8€6k€5k▼
Gross operating margin9900€464k€409k▼
Operating profit (loss)9901€352k€319k▼
Financial income75/76B€0€285▲
Recurring financial income75€0€285▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€349k€318k▼
Income taxes67/77€110k€98k▼
Profit (loss) for the period9904€240k€220k▼
Profit (loss) for the period to be appropriated9905€240k€220k▼
Appropriation of the result
Profit (loss) to be appropriated9906€264k€245k▼
Profit (loss) brought forward from the previous period14P€24k€25k▲
Transfer from equity791/2€436k€0▼
Transfer to equity691/2€239k€219k▼
To other reserves6921€239k€219k▼
Profit to be distributed694/7€436k€0▼
Return on contributions (dividend)694€436k€0▼
The notes to these accounts (13 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 422 days late
2023
31-12
Financial
Highest result since 2018net €292k ▲189%
Operating result €432k, net result €292k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 6.19
Current ratio from 2.01 to 6.19; short-term debt falls from €298k to €127k.
31-12
Financial
Equity above €1MEq €1.27M ▲29.9%
6 profitable years in a row build equity to €1.27M.
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 122 days late
2021
16-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 138 days late
2020
31-12
Financial
Weakest financial yearnet €94k ▼24.4%
Net result drops to €94k, the lowest in the series; recovery starts the following year.
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 118 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Namur · 1 establishment unit since 2007
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 Vauban 605000 NamurGround area
2,640 m²
Building footprint
317 m²
Volume, LiDAR
2,590 m³
2 parcels, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OROTRACT
since 20072.164.081.282
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302G0384/00P000 | Wallonia | 2,495 m² | 1 · 215 m² | 10.0 m · 3 fl. |
| 92094B0050/00P002 | Wallonia | 145 m² | 1 · 102 m² | 10.9 m · 3 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.
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Of 16,628 companies in sector 86220 we hold annual accounts for 7,973. 5,409 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-1999
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.