OS-PRO
ActiveSummary
The computed 12-month bankruptcy probability of OS-PRO is 2.1% (moderate). The 2025 annual accounts show equity of €20k and a net result of €11k. Equity is growing by ~38.4% per year across the filed fiscal years. Its solvency ranks better than 79% of 7500 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+93
Solvency96▲+37
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 3.18 against 1.34 in 2024; short-term debt: 28.7% and cash: 22.7% of total assets), and 28.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
71.3%
Return on assets
39.9%
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 · 3 filingsDeviation from the deadline
2025
21 d early
2024
28 d late
2023
26 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▲ 127%
2024 · €9k
2023: €11k
2024: €9k▼ -22.1% vs 2023lowest in 3 years
2025: €20k▲ +127% vs 2024highest in 3 years
2023 → 2025
Total assets
€28k▲ 9.6%
2024 · €26k
2023: €20klowest in 3 years
2024: €26k▲ +26.8% vs 2023
2025: €28k▲ +9.6% vs 2024highest in 3 years
2023 → 2025
Net result
€11k
2024 · €-3k
2023: €11khighest in 3 years
2024: €-3k▼ -122% vs 2023lowest in 3 years
2025: €11k▲ +547% vs 2024
2023 → 2025
Working capital
€18k▲ 211%
2024 · €6k
2023: €10k
2024: €6k▼ -41.0% vs 2023lowest in 3 years
2025: €18k▲ +211% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€11k-€9k▼ 22.1%€20k▲ 127%
2023: €11k
2024: €9k▼ -22.1% vs 2023lowest in 3 years
2025: €20k▲ +127% vs 2024highest in 3 years
Operating result€14k-€-2k€14k
2023: €14khighest in 3 years
2024: €-2k▼ -115% vs 2023lowest in 3 years
2025: €14k▲ +747% vs 2024
Net result€11k-€-3k€11k
2023: €11khighest in 3 years
2024: €-3k▼ -122% vs 2023lowest in 3 years
2025: €11k▲ +547% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €14k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28k
Fixed assets
€2k ▼ 22.9%
Current assets
€26k ▲ 14.1%
Equity and liabilities €28k
Equity
€20k ▲ 127%
Debt
€8k ▼ 52.0%
Debt's share of the balance-sheet total falls from 65.6% to 28.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16k▲
2024 · €-961
Cash flow
€13k▲
2024 · €-1k
Current ratio
3.18▲
2024 · 1.34
Debt to equity
0.40▼
2024 · 1.91
ROE
56.0%▲
2024 · -28.5%
ROA
39.9%▲
2024 · -9.8%
Interest coverage
29.67▲
2024 · -2.60
Debt ≤ 1 year
€8k▼
2024 · €17k
Income taxes
€2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€26k€28k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€2k€886▼
Current assets29/58€23k€26k▲
Stocks and contracts in progress3€10k-
Stocks30/36€10k-
Amounts receivable within one year40/41€5k€19k▲
Trade receivables40-€18k
Other amounts receivable41€5k€2k▼
Cash at bank and in hand54/58€8k€6k▼
Equity and liabilities
Total equity and liabilities10/49€26k€28k▲
Equity10/15€9k€20k▲
Profit (loss) carried forward14€9k€20k▲
Amounts payable17/49€17k€8k▼
Amounts payable within one year42/48€17k€8k▼
Trade debts44€14k-
Suppliers440/4€14k-
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48-€6k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€243€204▼
Gross operating margin9900€-717€16k▲
Operating profit (loss)9901€-2k€14k▲
Financial income75/76B€17-
Recurring financial income75€17-
Financial charges65/66B€369€528▲
Recurring financial charges65€369€528▲
Profit (loss) for the period before taxes9903€-3k€13k▲
Income taxes67/77-€2k
Profit (loss) for the period9904€-3k€11k▲
Profit (loss) for the period to be appropriated9905€-3k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€20k▲
Profit (loss) brought forward from the previous period14P€11k€9k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €309 | €1k | €2k | ▲ 37.3% |
| Other operating charges640/8 | €947 | €243 | €204 | ▼ 16.1% |
| Gross operating margin9900 | €16k | €-717 | €16k | ▲ 2,311% |
| Operating profit (loss)9901 | €14k | €-2k | €14k | ▲ 747% |
| Financial income75/76B | - | €17 | - | - |
| Recurring financial income75 | - | €17 | - | - |
| Financial charges65/66B | €67 | €369 | €528 | ▲ 42.9% |
| Recurring financial charges65 | €67 | €369 | €528 | ▲ 42.9% |
| Profit (loss) for the period before taxes9903 | €14k | €-3k | €13k | ▲ 635% |
| Income taxes67/77 | €3k | - | €2k | - |
| Profit (loss) for the period9904 | €11k | €-3k | €11k | ▲ 547% |
| Profit (loss) for the period to be appropriated9905 | €11k | €-3k | €11k | ▲ 547% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €20k | €26k | €28k | ▲ 9.6% |
| Fixed assets21/28 | €2k | €3k | €2k | ▼ 22.9% |
| Tangible fixed assets22/27 | €2k | €3k | €2k | ▼ 22.9% |
| Plant, machinery and equipment23 | - | €1k | €2k | ▲ 39.0% |
| Furniture and vehicles24 | €2k | €2k | €886 | ▼ 56.8% |
| Current assets29/58 | €19k | €23k | €26k | ▲ 14.1% |
| Stocks and contracts in progress3 | - | €10k | - | - |
| Stocks30/36 | - | €10k | - | - |
| Amounts receivable within one year40/41 | €9k | €5k | €19k | ▲ 326% |
| Trade receivables40 | €8k | - | €18k | - |
| Other amounts receivable41 | €696 | €5k | €2k | ▼ 59.8% |
| Cash at bank and in hand54/58 | €10k | €8k | €6k | ▼ 17.6% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €20k | €26k | €28k | ▲ 9.6% |
| Equity10/15 | €11k | €9k | €20k | ▲ 127% |
| Profit (loss) carried forward14 | €11k | €9k | €20k | ▲ 127% |
| Amounts payable17/49 | €9k | €17k | €8k | ▼ 52.0% |
| Amounts payable within one year42/48 | €9k | €17k | €8k | ▼ 52.0% |
| Trade debts44 | €3k | €14k | - | - |
| Suppliers440/4 | €3k | €14k | - | - |
| Taxes, remuneration and social security45 | €5k | €3k | €2k | ▼ 21.3% |
| Taxes450/3 | €3k | €3k | €2k | ▼ 21.3% |
| Remuneration and social security454/9 | €2k | - | - | - |
| Other amounts payable47/48 | €1k | - | €6k | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €11k | €-3k | €11k | ▲ 547% |
| + Depreciation and write-downs630 | €309 | €1k | €2k | ▲ 37.3% |
| Operating cash flow (approximation) | €12k | €-1k | €13k | ▲ 1,082% |
| Investment in fixed assets (approximation) | - | €-3k | €-925 | ▲ 64.9% |
| Change in cash | - | €-2k | €-1k | ▲ 30.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 3.18
Current ratio from 1.34 to 3.18; short-term debt falls from €17k to €8k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Geraardsbergen · 1 establishment unit since 2023
Ground area
61 m²
Building footprint
53 m²
Volume, LiDAR
436 m³
Parcel 41021A0324/00N003, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OS-PRO
since 20232.344.564.531
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41021A0324/00N003 | Flanders | 61 m² | 1 · 53 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,779 companies in sector 41001 we hold annual accounts for 16,044. 11,551 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-04-2023
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43110Demolition
43320Joinery installation
43341Painting of buildings
43343Specialised construction activities
43422Screed work
Scores and ratios are computed by Checked and are not a credit decision.