OS-Engineering
ActiveSummary
OS-Engineering has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €213,046 and a net result of €63,764. Equity has been growing by about 43% per year since 2023. Its solvency ranks better than 62% of 39,275 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 19-05-2022 Normal situation
- Activity
- Business and other management consultancy NACE 70200
- Establishment unit
- 2.332.464.968 8700 Tielt, since 19-05-2022
- Financial year end
- 30 September
- Peppol
- Reachable since 13-05-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
Annual accounts to 30-09-2025
- Gross margin
- €97,874
- ▲ 14.0%
- Turnover
- ≈ €200,000
- estimated
- Profit
- €63,764
- ▼ 2.5%
- Equity
- €213,046
- ▲ 42.7%
- Total assets
- €315,588
- ▲ 65.4%
Score breakdownraises riskFounded in 2022lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Size: total assets €315,588Figures for financial year 2025 (filed on 30-12-2025)Show the evidence
Checked score
Score 2025
95
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 63% of micro companies in head offices and management consultancy (NACE 70)
Financial strength · tick: 2024
Strong
Solvency
93-7
equity 67.5% of total assets
Liquidity
58-9
short-term debt 14.8% · cash 9.0%
Profitability
94-6
return on assets 20.2%
Bankruptcy probability within 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: 0.1%▲ +0.1 percentage points vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026highest value
11-2026: 0.1%● unchanged vs 10-2026highest value
Credit of up to €20,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.2 (4.55 in 2024), above the usual 1.5. Short-term debt is 14.8% and cash 9% of total assets. 32.5% of the assets are financed with debt and provisions.
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 63% of them on solvency, 50% on liquidity, 64% on profitability and 78% on growth.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 30-12-2025, 121 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
121 days early
2024
20 days early
2023
25 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 55 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 6 April (3 of the last 3 accounts filed within 97 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end04-11-2026 today30-04-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 30-12-2025 PDF all 3 filings
Turnover
≈ €200,000
Estimated: probably between €150,000 and €250,000
Total assets
€315,588▲ 65.4%
2024 · €190,819
Net result
€63,764▼ 2.5%
2024 · €65,382
Working capital
€149,102▲ 17.8%
2024 · €126,542
Multi-year overview
2023 to 2025, 3 financial yearsOperating result
€79,605
▼ 2.6%
2025
20232025
Net result
€63,764
▼ 2.5%
2025
middle half of the sector
20232025
Equity
€213,046
▲ 42.7%
2025
middle half of the sector
20232025
Total assets
€315,588
▲ 65.4%
2025
middle half of the sector
20232025
Debt
€102,542
▲ 147%
2025
20232025
Working capital
€149,102
▲ 17.8%
2025
highest quarter of the sector
20232025
Solvency
67.5%
▼ 10.7pp
2025
middle half of the sector
20232025
Current ratio
4.20
▼ 0.35
2025
middle half of the sector
20232025
Return on assets (ROA)
20.2%
▼ 14.1pp
2025
middle half of the sector
20232025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line202320242025
Operating result€103,132-€81,704▼ 20.8%€79,605▼ 2.6%
Net result€79,700above the sector's middle half-€65,382within the sector's middle half▼ 18.0%€63,764within the sector's middle half▼ 2.5%
Equity€83,900within the sector's middle half-€149,282within the sector's middle half▲ 77.9%€213,046within the sector's middle half▲ 42.7%
Total assets€142,440within the sector's middle half-€190,819within the sector's middle half▲ 34.0%€315,588within the sector's middle half▲ 65.4%
Debt€58,540-€41,536▼ 29.0%€102,542▲ 147%
Working capital€73,513within the sector's middle half-€126,542within the sector's middle half▲ 72.1%€149,102above the sector's middle half▲ 17.8%
Solvency58.9%within the sector's middle half-78.2%within the sector's middle half▲ 19.3pp67.5%within the sector's middle half▼ 10.7pp
Current ratio2.60within the sector's middle half-4.55within the sector's middle half▲ 1.954.20within the sector's middle half▼ 0.35
Return on assets (ROA)56.0%above the sector's middle half-34.3%above the sector's middle half▼ 21.7pp20.2%within the sector's middle half▼ 14.1pp
above
within
below
The sector band is the middle half of the companies in Activities of head offices; management consultancy activities (NACE 70). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 3% lower than in 2024 and the lowest since 2023. It is the second fall in a row.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €315,588
Fixed assets
€119,920 ▲ 319%
Current assets
€195,669 ▲ 20.6%
Equity and liabilities €315,588
Equity
€213,046 ▲ 42.7%
Debt
€102,542 ▲ 147%
Debt's share of the balance-sheet total rises from 21.8% to 32.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€96,747▲
2024 · €84,535
Cash flow
€80,906▲
2024 · €68,214
Debt to equity
0.48▲
2024 · 0.28
ROE
29.9%▼
2024 · 43.8%
Interest coverage
22.17▼
2024 · 38.62
Debt ≤ 1 year
€46,567▲
2024 · €35,660
Debt > 1 year
€55,975▲
2024 · €5,877
Income taxes
€17,000▼
2024 · €17,087
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 30-09-2023 | 30-09-2024 | 30-09-2025 |
|---|---|---|---|
| Tangible fixed assets | €24,339 | €14,465 | €108,445 |
| Depreciation and write-downs of the year | €1,355 | €2,832 | €17,142 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,355 | €2,832 | €17,142 | ▲ 505% |
| Other operating charges640/8 | €1,570 | €1,330 | €1,127 | ▼ 15.2% |
| Gross operating margin9900 | €106,057 | €85,865 | €97,874 | ▲ 14.0% |
| Operating profit (loss)9901 | €103,132 | €81,704 | €79,605 | ▼ 2.6% |
| Financial income75/76B | €18 | €2,954 | €5,522 | ▲ 86.9% |
| Recurring financial income75 | €18 | €2,954 | €5,522 | ▲ 86.9% |
| Financial charges65/66B | €2,189 | €2,189 | €4,363 | ▲ 99.3% |
| Recurring financial charges65 | €2,189 | €2,189 | €4,363 | ▲ 99.3% |
| Profit (loss) for the period before taxes9903 | €100,960 | €82,469 | €80,764 | ▼ 2.1% |
| Income taxes67/77 | €21,260 | €17,087 | €17,000 | ▼ 0.5% |
| Profit (loss) for the period9904 | €79,700 | €65,382 | €63,764 | ▼ 2.5% |
| Profit (loss) for the period to be appropriated9905 | €79,700 | €65,382 | €63,764 | ▼ 2.5% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €142,440 | €190,819 | €315,588 | ▲ 65.4% |
| Fixed assets21/28 | €22,984 | €28,617 | €119,920 | ▲ 319% |
| Tangible fixed assets22/27 | €22,984 | €28,617 | €119,920 | ▲ 319% |
| Land and buildings22 | €21,442 | €20,803 | €23,242 | ▲ 11.7% |
| Furniture and vehicles24 | €1,542 | €7,814 | €96,678 | ▲ 12× |
| Current assets29/58 | €119,457 | €162,202 | €195,669 | ▲ 20.6% |
| Amounts receivable after more than one year29 | €40,000 | €82,416 | - | - |
| Other amounts receivable291 | €40,000 | €82,416 | - | - |
| Amounts receivable within one year40/41 | €25,922 | €35,522 | €112,785 | ▲ 218% |
| Trade receivables40 | €25,922 | €31,953 | €18,634 | ▼ 41.7% |
| Other amounts receivable41 | - | €3,569 | €94,151 | ▲ 26× |
| Current investments50/53 | - | €6,000 | €50,662 | ▲ 744% |
| Cash at bank and in hand54/58 | €50,148 | €34,244 | €28,513 | ▼ 16.7% |
| Deferred charges and accrued income490/1 | €3,387 | €4,019 | €3,708 | ▼ 7.7% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €142,440 | €190,819 | €315,588 | ▲ 65.4% |
| Equity10/15 | €83,900 | €149,282 | €213,046 | ▲ 42.7% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €78,900 | €144,282 | €208,046 | ▲ 44.2% |
| Distributable reserves133 | €78,900 | €144,282 | €208,046 | ▲ 44.2% |
| Amounts payable17/49 | €58,540 | €41,536 | €102,542 | ▲ 147% |
| Amounts payable after more than one year17 | €12,596 | €5,877 | €55,975 | ▲ 852% |
| Financial debts170/4 | €12,596 | €5,877 | €55,975 | ▲ 852% |
| Amounts payable within one year42/48 | €45,944 | €35,660 | €46,567 | ▲ 30.6% |
| Current portion of amounts payable after more than one year42 | €9,329 | €6,719 | €21,185 | ▲ 215% |
| Trade debts44 | €4,622 | €2,699 | €3,340 | ▲ 23.7% |
| Suppliers440/4 | €4,622 | €2,699 | €3,340 | ▲ 23.7% |
| Taxes, remuneration and social security45 | €10,727 | €26,241 | €22,042 | ▼ 16.0% |
| Taxes450/3 | €9,254 | €26,241 | €22,042 | ▼ 16.0% |
| Remuneration and social security454/9 | €1,473 | - | - | - |
| Other amounts payable47/48 | €21,267 | - | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €79,700 | €65,382 | €63,764 | ▼ 2.5% |
| + Depreciation and write-downs630 | €1,355 | €2,832 | €17,142 | ▲ 505% |
| Operating cash flow (approximation) | €81,055 | €68,214 | €80,906 | ▲ 18.6% |
| Investment in fixed assets (approximation) | - | -€8,465 | -€108,445 | ▼ 1,181% |
| Change in cash | - | -€15,904 | -€5,730 | ▲ 64.0% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 39,278 companies had the same profile as OS-Engineering has now. Two years later, 95.8% were still going and 1.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
95.8%
was still going
2.3%
stopped otherwise
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of OS-Engineering itself is lower: 0.1% within 12 months. It rests on far more data about OS-Engineering than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for OS-Engineering. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Directors
1 director, no change since 2022
OPPEEL Stijn Roland Regina
Current
Director (not named in the articles) · since 19-05-2022 · term without a fixed end · listed in the 2024 annual accounts, filed on 10-04-2025
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 23-05-2022Owners and capital
Shareholders
At incorporation
act of 23-05-2022 ↗
- OPPEEL Stijn Roland Regina 100 shares (100%) · €5,000 in cash
Capital transactions
Capital over time
- 23-05-2022 Incorporation · €5,000 · 100 shares
Network & group
OS-Engineering shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of OS-Engineering. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2025
30-12
micro format · 121 days before the deadline
30-09
Financial
Equity above €200,000equity €213,046 ▲42.7%
With a profit in every financial year since 2023, equity grows to €213,046.
10-04
micro format · 20 days before the deadline
2024
30-09
Financial
Equity above €100,000equity €149,282 ▲77.9%
With a profit in every financial year since 2023, equity grows to €149,282.
05-04
micro format · 25 days before the deadline
2022
23-05
Gazette deed
IncorporationStarting capital €5,000 · Appointment: OPPEEL Stijn Roland Regina (director) · Founder10 points ▸
Gazette deed
Incorporation
Starting capital €5,000 · Appointment: OPPEEL Stijn Roland Regina (director) · Founder10 points ▸
- Incorporation, “OS-Engineering” (deed in Dutch)
- Founder, OPPEEL Stijn Roland Regina
- Other provision, “financieel plan, heden” (deed in Dutch)
- Founding capital, €5,000
- Bank account, “Belfius bank, vennootschap in oprichting” (deed in Dutch)
- OPPEEL Stijn Roland Regina holds 100 shares
- Share issue, “volledig gestort, volledig en onvoorwaardelijk” (deed in Dutch)
- Registered office clause, “8700 Tielt,Karmstraat 52, onverminderd andersluidende bepalingen statuten” (deed in Dutch)
- Director appointment, OPPEEL Stijn Roland Regina (director (not named in the articles))
- Pre-incorporation commitments, “takeover, rechten en verbintenissen uit rechtshandelingen in naam en voor rekening gesteld voor oprichting” (deed in Dutch)
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
OS-Engineering in Dutch
Enterprise number
0786.379.889
LEI code
9845005B84453909Z108
live in the LEI register
Legal form
Private limited company
Status
Active, normale toestand
Founded
19-05-2022
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 23-05-2022 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Voor zover verplaatsing overeenkomstig toepasselijke taalwetgeving niet verplicht tot wijziging taal statuten, Vlaams Gewest”
deed of 23-05-2022 (in Dutch)Registered office and establishments
Registered office
Karmstraat 52, 8700 Tielt, Belgium
Establishment unit
OS-Engineering, Karmstraat 52, 8700 Tielt since 19-05-2022 · unit number 2.332.464.968
Activities
NACEBEL 202570200
Business and other management consultancy main activity
Codes under NACEBEL 2008
70220
Business consulting main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 23-05-2022 (in Dutch)
“Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering; Verlenen van adviezen en hulp aan…”
29 activities
- Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering;
- Verlenen van adviezen en hulp aan het bedrijfsleven en de overheid op het gebied van planning,organisatie,efficients en toezicht,het verschaffen van informatie aan de bedrijfsleiding,enzovoort;
- Berekenen van de kosten en baten van de voorgestelde maatregelen op het gebied van planning,organisatie,efficients,enzovoort;
- Verlenen van advies en praktische hulp aan de bedrijven in verband met public relations en communicatie;
- Managementsactiviteiten van holdings: tussenkomen in het dagelijks bestuur,vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal,enzovoort;
- Activiteiten van hoofdkantoren
- Overige zakelijke dienstverlening,niet eerder genoemd;
- Zoeken,selecteren,verwijzen en plaatsen van personeel ten behoeve van latere werkgever of werkzoeker: formulering van taakomschrijvingen; op geschiktheid testen van sollicitanten; natrekken van referenties;
- Zoeken en plaatsen van directieleden (headhunters);
- Computerconsultancyactiviteiten;
- Overige diensten op het gebied van informatietechnologie en computer;
- Verlenen van advies aan de gebruikers over soorten computers (hardware) en hun configuratie en de toepassing van bijbehorende programmatuur (software);
- Ontwerpen en programmeren van computerprogramma's;
- Overige gespecialiseerde wetenschappelijke en technische activiteiten;
- Uitwerking en realisatie van projecten op het gebied van elektriciteit,elektronica,mijnbouw,chemie,machine en werktuigbouw,industriële systeemontwikkeling,veiligheid,enzovoort.
- Diverse administratieve activiteiten ten behoeve van kantoren;
- Fotokopiëren,documentvoorbereiding en andere gespecialiseerde ondersteunende activiteiten ten behoeve van kantoren;
- Overige zakelijke dienstverlening,niet eerder genoemd;
- Algemene auditactiviteiten;
- Overige vormen van onderwijs;
- Detailhandel in allerlei producten via het internet (ecommerce);
- Detailhandel via postorderbedrijven of via internet;
- Op lange termijn aanhouden van aandelen die afkomstig zijn van verschillende andere bedrijven die in meerderheid tot de financiële sector behoren;
- Op lange termijn aanhouden van aandelen die afkomstig zijn van verschillende andere bedrijven uit verscheidene economische sectoren...;
- Handel in eigen onroerend goed;
- Handel in eigen onroerend goed: flatgebouwen en woningen niet voor bewoning bestemde gebouwen,grond;
- Verkoop van eigen handelszaken en van zelf verworven sleutelgeld (overname);
- Verhuur en exploitatie van eigen of geleased residentieel onroerend goed,exclusief sociale woningen;
- Verhuur en exploitatie van eigen of geleased nietresidentieel onroerend goed,exclusief terreinen;
Invoicing and payment
VAT number
BE 0786.379.889
Financial year and general meeting
Accounts at the NBBFinancial year end
30-09
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of March at 18:00
deed of 23-05-2022 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
209 m²
Building footprint
209 m²
Building volume
871 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 37001D0156/00D000 | Flanders | 209 m² | 1 · 209 m² | 6.5 m · 1 |