OS RENOVATIONS
ActiveThe computed 12-month bankruptcy probability of OS RENOVATIONS is 3.7% (moderate). The 2025 annual accounts show negative equity (€-8k) and a net result of €-21k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 7% of 27676 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
19
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-82
Solvency11▼-33
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.83 against 1.14 in 2024; short-term debt: 113.7% and cash: 6% 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.
+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 43
Relative position
BE, all sectors
reference
Sector 43
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
-13.7%
Return on assets
-36.5%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year €-8k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
2 d early
2023
7 d early
2022
30 d late
2021
31 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-8k
2024 · €13k
2021: €10k
2022: €10k
2023: €11k
2024: €13k
2021 → 2025
Total assets
€57k▼ 16.7%
2024 · €68k
2021: €23k
2022: €36k
2023: €45k
2024: €68k
2021 → 2025
Net result
€-21k
2024 · €7k
2021: €8k
2022: €1k
2023: €939
2024: €7k
2021 → 2025
Working capital
€-11k
2024 · €8k
2021: €10k
2022: €7k
2023: €6k
2024: €8k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€10k▲ 6.8%€11k▲ 1.3%€13k▲ 22.0%€-8k
Operating result€10k-€2k▼ 76.9%€2k▼ 3.7%€11k▲ 372%€-19k
Net result€8k-€1k▼ 81.9%€939▼ 35.7%€7k▲ 680%€-21k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €19k after €11k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€3k▼ 41.2%
Current assets
€54k▼ 14.7%
Key figures and ratios
EBITDA
€-17k▼
2024 · €12k
Cash flow
€-19k▼
2024 · €9k
Solvency
-13.7%▼
2024 · 19.0%
Current ratio
0.83▼
2024 · 1.14
Quick ratio
0.83▼
2024 · 1.14
Debt / equity
-8.29▼
2024 · 4.27
ROA
-36.5%▼
2024 · 10.8%
Interest coverage
-10.99▼
2024 · 8.66
Debt
€64k▲
2024 · €55k
Debt ≤ 1 year
€64k▲
2024 · €55k
Income taxes
€175▼
2024 · €2k
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€68k€57k▼
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€2k€590▼
Financial fixed assets28€968€968=
Current assets29/58€63k€54k▼
Amounts receivable within one year40/41€56k€48k▼
Trade receivables40€54k€47k▼
Other amounts receivable41€3k€1k▼
Cash at bank and in hand54/58€3k€3k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€68k€57k▼
Equity10/15€13k€-8k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€10k€-10k▼
Amounts payable17/49€55k€64k▲
Amounts payable within one year42/48€55k€64k▲
Financial debts43€21€19▼
Credit institutions430/8€21€19▼
Trade debts44€28k€18k▼
Suppliers440/4€28k€18k▼
Advances received on contracts in progress46€4k€16k▲
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€21k€27k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€612€4k▲
Gross operating margin9900€13k€-13k▼
Operating profit (loss)9901€11k€-19k▼
Financial income75/76B-€20
Recurring financial income75-€20
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€9k€-20k▼
Income taxes67/77€2k€175▼
Profit (loss) for the period9904€7k€-21k▼
Profit (loss) for the period to be appropriated9905€7k€-21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€-10k▼
Profit (loss) brought forward from the previous period14P€8k€10k▲
Profit to be distributed694/7€5k-
Return on contributions (dividend)694€5k-
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-21k ▼382%
Net result drops to €-21k, the lowest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · 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
2 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, Tervuren · 1 establishment unit since 2021
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.
Vestenstraat 33080 TervurenGround area
64 m²
Parcel 24302G0181/00W000, Flanders. Linked by address, not a title deed.
1 establishment unit
OS RENOVATIONS
since 20212.325.112.467
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24302G0181/00W000 | Flanders | 64 m² | - | - |
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.
Similar companies · same sector, comparable size
T.S.E-TECHNICAL SERVICES ENGINEERING
BE 0792.851.274
Ninove · Eq €13k
EDEN AND CO
BE 1003.064.429
Hamme (Vl.) · Eq €13k
Coelo
BE 0800.498.240
Nazareth-De Pinte · Eq €13k
ELEKTRICITEITSWERKEN CAROEN
BE 1003.127.676
Oostende · Eq €13k
RENOVA COMFORT
BE 0751.535.907
Asse · Eq €13k
Of 22,826 companies in sector 43211 we hold annual accounts for 10,327. 6,201 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2021
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
33140Repair and maintenance of electrical equipment
41001General construction of residential buildings
42220Construction of utility projects for electricity and telecommunications
43212Electrical installation work in industrial facilities
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.
Contact details
1 entryE-mail:olivier.stevens1@gmail.com