OSCAR ALFA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €689k and a net result of €63k. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 64% of 5498 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-11-2025, 28 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
28 d late
2024
2 d early
2023
on the day
2022
3 d late
2021
6 d early
2020
9 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close17-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€689k▲ 10.0%
2024 · €626k
2019: €414k
2020: €450k
2021: €477k
2022: €494k
2023: €506k
2024: €626k
2019 → 2025
Net result
€63k▼ 47.4%
2024 · €120k
2019: €60k
2020: €37k
2021: €28k
2022: €17k
2023: €14k
2024: €120k
2019 → 2025
Total assets
€1.04M▲ 10.1%
2024 · €941k
2019: €722k
2020: €742k
2021: €686k
2022: €676k
2023: €673k
2024: €941k
2019 → 2025
Solvency
66.5%▼ 0.1pp
2024 · 66.6%
2019: 57.3%
2020: 60.6%
2021: 69.6%
2022: 73.0%
2023: 75.3%
2024: 66.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€477k-€494k▲ 3.5%€506k▲ 2.6%€626k▲ 23.6%€689k▲ 10.0%
Operating result€50k-€34k▼ 32.4%€102k▲ 201%€167k▲ 64.4%€106k▼ 36.7%
Net result€28k-€17k▼ 38.8%€14k▼ 20.4%€120k▲ 777%€63k▼ 47.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.04M
Fixed assets
€637k▲ 7.1%
Current assets
€399k▲ 15.5%
Equity and liabilities €1.04M
Equity
€689k▲ 10.0%
Debt
€347k▲ 10.4%
The debt ratio rises from 33.4% to 33.5%. Equity and debt are higher.
Key figures and ratios
Solvency
66.5%▼
2024 · 66.6%
ROE
9.2%▼
2024 · 19.2%
ROA
6.1%▼
2024 · 12.8%
Debt
€347k▲
2024 · €315k
Debt ≤ 1 year
€106k▲
2024 · €101k
Debt > 1 year
€231k▲
2024 · €207k
Income taxes
€30k▼
2024 · €46k
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€941k€1.04M▲
Fixed assets21/28€595k€637k▲
Tangible fixed assets22/27€155k€197k▲
Land and buildings22€147k€143k▼
Furniture and vehicles24€8k€54k▲
Financial fixed assets28€441k€441k=
Current assets29/58€346k€399k▲
Amounts receivable after more than one year29€61k€66k▲
Other amounts receivable291€61k€66k▲
Amounts receivable within one year40/41€267k€328k▲
Trade receivables40€267k€320k▲
Other amounts receivable41-€8k
Cash at bank and in hand54/58€16k€4k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€941k€1.04M▲
Equity10/15€626k€689k▲
Contributions10/11€410k€410k=
Reserves13€216k€279k▲
Distributable reserves133€216k€279k▲
Amounts payable17/49€315k€347k▲
Amounts payable after more than one year17€207k€231k▲
Financial debts170/4€119k€138k▲
Other amounts payable178/9€88k€93k▲
Amounts payable within one year42/48€101k€106k▲
Current portion of amounts payable after more than one year42€7k€25k▲
Trade debts44€6k€20k▲
Suppliers440/4€6k€20k▲
Taxes, remuneration and social security45€87k€60k▼
Taxes450/3€87k€60k▼
Other amounts payable47/48€830€833▲
Accrued charges and deferred income492/3€7k€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€16k▼
Other operating charges640/8€1k€7k▲
Gross operating margin9900€191k€129k▼
Operating profit (loss)9901€167k€106k▼
Financial income75/76B€9k-
Recurring financial income75€9k-
Financial charges65/66B€9k€12k▲
Recurring financial charges65€9k€12k▲
Profit (loss) for the period before taxes9903€166k€94k▼
Income taxes67/77€46k€30k▼
Profit (loss) for the period9904€120k€63k▼
Profit (loss) for the period to be appropriated9905€120k€63k▼
Appropriation of the result
Profit (loss) to be appropriated9906€120k€63k▼
Transfer to equity691/2€120k€63k▼
To other reserves6921€120k€63k▼
Profit to be distributed694/7€830€833▲
Return on contributions (dividend)694€830€833▲
The notes to these accounts (14 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
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Highest result since 2019net €120k ▲777%
Operating result €167k, net result €120k, both a record.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Weakest financial yearnet €14k ▼20.4%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity quadruplescurrent ratio 3.59
Current ratio from 0.91 to 3.59.
31-03
Financial
Equity above €500kEq €506k ▲2.6%
5 profitable years in a row build equity to €506k.
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 3 days late
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 9 days late
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
23-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
05-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Bredene · 1 establishment unit since 2013
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.
Zwanenstraat 148450 BredeneGround area
793 m²
Building footprint
186 m²
Volume, LiDAR
962 m³
Parcel 35002B0072/00S000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OSCAR ALFA
since 20132.227.453.461
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35002B0072/00S000 | Flanders | 793 m² | 1 · 186 m² | 7.1 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.
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INVENTYS
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,334 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2013
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.