OS-AL
ActiveThe computed 12-month bankruptcy probability of OS-AL is 2.0% (moderate). The 2025 annual accounts show negative equity (€-20k) and a net result of €8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 13090 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.42 against 0.41 in 2024; short-term debt: 235.8% and cash: 3.5% of total assets), and equity is negative.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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 2025Solvency, return and age of the figures
Solvency
-135.8%
Return on assets
55.5%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 13090 sector peers (2025).
NBB · sector comparisonPosition among 13090 sector peers
Solvency
better than 9%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
61 d late
2023
44 d late
2022
59 d late
2021
59 d late
2020
87 d late
2019
115 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-20k▲ 29.0%
2024 · €-28k
2018: €3k
2019: €-4k
2020: €10k
2021: €9k
2022: €-30k
2023: €-37k
2024: €-28k
2018 → 2025
Total assets
€15k▼ 24.5%
2024 · €20k
2018: €16k
2019: €9k
2020: €27k
2021: €27k
2022: €11k
2023: €9k
2024: €20k
2018 → 2025
Net result
€8k▼ 8.4%
2024 · €9k
2018: €14k
2019: €-7k
2020: €14k
2021: €-550
2022: €-39k
2023: €-8k
2024: €9k
2018 → 2025
Working capital
€-20k▲ 28.4%
2024 · €-28k
2018: €1k
2019: €-5k
2020: €9k
2021: €9k
2022: €-30k
2023: €-37k
2024: €-28k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€-30k€-37k▼ 25.3%€-28k▲ 24.1%€-20k▲ 29.0%
Operating result€-114-€-38k▼ 33,131%€-7k▲ 80.4%€9k€8k▼ 9.9%
Net result€-550-€-39k▼ 6,920%€-8k▲ 80.6%€9k€8k▼ 8.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Key figures and ratios
Solvency
-135.8%▲
2024 · -144.6%
Current ratio
0.42▲
2024 · 0.41
Quick ratio
0.02▼
2024 · 0.12
Debt / equity
-1.74▼
2024 · -1.69
ROA
55.5%▲
2024 · 45.8%
Debt
€35k▼
2024 · €48k
Debt ≤ 1 year
€35k▼
2024 · €47k
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€20k€15k▼
Current assets29/58€20k€15k▼
Stocks and contracts in progress3€14k€14k=
Stocks30/36€14k€14k=
Amounts receivable within one year40/41€2k€57▼
Other amounts receivable41€2k€57▼
Cash at bank and in hand54/58€2k€523▼
Deferred charges and accrued income490/1€980€154▼
Equity and liabilities
Total equity and liabilities10/49€20k€15k▼
Equity10/15€-28k€-20k▲
Contributions10/11€6k€6k=
Reserves13€26k€26k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€24k€24k=
Profit (loss) carried forward14€-60k€-52k▲
Amounts payable17/49€48k€35k▼
Amounts payable within one year42/48€47k€35k▼
Trade debts44€37k€7k▼
Suppliers440/4€37k€7k▼
Other amounts payable47/48€10k€28k▲
Accrued charges and deferred income492/3€234-
Income statement
Code20242025
Other operating charges640/8€1k€2k▲
Gross operating margin9900€10k€10k▼
Operating profit (loss)9901€9k€8k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€261€98▼
Recurring financial charges65€261€98▼
Profit (loss) for the period before taxes9903€9k€8k▼
Profit (loss) for the period9904€9k€8k▼
Profit (loss) for the period to be appropriated9905€9k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-60k€-52k▲
Profit (loss) brought forward from the previous period14P€-69k€-60k▲
The notes to these accounts (1 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after 3 loss-making years.
13-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 44 days late
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-12
Financial
Weakest financial yearnet €-39k
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.51
Current ratio from 0.59 to 1.51.
23-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 115 days late
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Lommel · 1 establishment unit since 2011
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.
Vreyshorring 193920 LommelGround area
117 m²
Building footprint
81 m²
Volume, LiDAR
440 m³
Parcel 72020C0640/00Z000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Os-Al
since 20112.204.228.592
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C0640/00Z000 | Flanders | 117 m² | 1 · 81 m² | 8.9 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLommel2.204.228.592
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Of 21,908 companies in sector 56112 we hold annual accounts for 9,783. 6,649 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-08-2008
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.