OSCARE
ActiveSummary
OSCARE has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €676,293 and a net result of -€381,624. Equity is shrinking by ~12.9% per year across the filed fiscal years. Its solvency ranks better than 56% of 2372 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-81
Solvency92▼-2
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 1.61 against 2.18 in 2024; short-term debt: 33% and cash: 5.9% of total assets), and 33% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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 26-05-2026, 66 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
66 d early
2024
83 d early
2023
68 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 72 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
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. Usually files around 25 May (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€676,293▼ 36.1%
2024 · €1.1m
Total assets
€1.0m▼ 33.7%
2024 · €1.5m
Net result
-€381,624
2024 · €147,314
Working capital
€202,521▼ 63.3%
2024 · €551,728
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result-€38,045-€122,656-€391,041
Net result-€25,201below the sector's middle half-€147,314within the sector's middle half-€381,624below the sector's middle half
Equity€910,602within the sector's middle half-€1.1mwithin the sector's middle half▲ 16.2%€676,293within the sector's middle half▼ 36.1%
Total assets€1.5mwithin the sector's middle half-€1.5mwithin the sector's middle half▲ 0.5%€1.0mwithin the sector's middle half▼ 33.7%
Debt€605,584-€465,984▼ 23.1%€333,431▼ 28.4%
Working capital€376,987within the sector's middle half-€551,728within the sector's middle half▲ 46.4%€202,521within the sector's middle half▼ 63.3%
Solvency60.1%within the sector's middle half-69.4%within the sector's middle half▲ 9.4pp67.0%within the sector's middle half▼ 2.4pp
Current ratio1.62within the sector's middle half-2.18within the sector's middle half▲ 0.561.61within the sector's middle half▼ 0.58
Return on assets (ROA)-1.7%below the sector's middle half-9.7%within the sector's middle half▲ 11.3pp-37.8%below the sector's middle half▼ 47.5pp
Staff (FTE)6.8within the sector's middle half-6.7within the sector's middle half▼ 1.5%6above the sector's middle half▼ 10.4%
above
within
below
the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €391,041 after €122,656 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.0m
Fixed assets
€473,836 ▼ 6.4%
Current assets
€535,887 ▼ 47.3%
Equity and liabilities €1.0m
Equity
€676,293 ▼ 36.1%
Debt
€333,431 ▼ 28.4%
Debt's share of the balance-sheet total rises from 30.6% to 33.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€358,624▼
2024 · €154,708
Cash flow
-€349,207▼
2024 · €179,366
Quick ratio
1.60▼
2024 · 2.18
Debt to equity
0.49▲
2024 · 0.44
ROE
-56.4%▼
2024 · 13.9%
Interest coverage
-222.09▼
2024 · 94.34
Debt ≤ 1 year
€333,366▼
2024 · €465,919
Income taxes
€1,484▲
2024 · €588
Staff costs
€362,802▼
2024 · €383,279
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,834 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.7%
went bankrupt
13%
stopped otherwise
84%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: < 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,834 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | €101,300 | - | - | - |
| Remuneration, social security and pensions62 | €425,904 | €383,279 | €362,802 | ▼ 5.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €34,204 | €32,051 | €32,417 | ▲ 1.1% |
| Other operating charges640/8 | €8,777 | €16,583 | €18,816 | ▲ 13.5% |
| Gross operating margin9900 | €430,839 | €554,570 | €22,993 | ▼ 95.9% |
| Operating profit (loss)9901 | -€38,045 | €122,656 | -€391,041 | ▼ 419% |
| Financial income75/76B | €20,126 | €26,885 | €12,516 | ▼ 53.4% |
| Recurring financial income75 | €20,126 | €26,885 | €12,516 | ▼ 53.4% |
| Financial charges65/66B | €2,309 | €1,640 | €1,615 | ▼ 1.5% |
| Recurring financial charges65 | €2,309 | €1,640 | €1,615 | ▼ 1.5% |
| Profit (loss) for the period before taxes9903 | -€20,229 | €147,902 | -€380,140 | ▼ 357% |
| Income taxes67/77 | €4,972 | €588 | €1,484 | ▲ 153% |
| Profit (loss) for the period9904 | -€25,201 | €147,314 | -€381,624 | ▼ 359% |
| Profit (loss) for the period to be appropriated9905 | -€25,201 | €147,314 | -€381,624 | ▼ 359% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €1.5m | €1.5m | €1.0m | ▼ 33.7% |
| Fixed assets21/28 | €533,680 | €506,253 | €473,836 | ▼ 6.4% |
| Tangible fixed assets22/27 | €533,680 | €506,253 | €473,836 | ▼ 6.4% |
| Land and buildings22 | €503,974 | €482,368 | €460,763 | ▼ 4.5% |
| Plant, machinery and equipment23 | €29,706 | €23,885 | €13,073 | ▼ 45.3% |
| Current assets29/58 | €982,506 | €1.0m | €535,887 | ▼ 47.3% |
| Stocks and contracts in progress3 | €1,732 | €3,089 | €2,229 | ▼ 27.8% |
| Stocks30/36 | €1,732 | €3,089 | €2,229 | ▼ 27.8% |
| Amounts receivable within one year40/41 | €235,763 | €356,581 | €72,964 | ▼ 79.5% |
| Trade receivables40 | €235,763 | €356,581 | €72,964 | ▼ 79.5% |
| Current investments50/53 | €359,725 | €386,608 | €393,043 | ▲ 1.7% |
| Cash at bank and in hand54/58 | €384,812 | €271,368 | €59,959 | ▼ 77.9% |
| Deferred charges and accrued income490/1 | €474 | - | €7,692 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €1.5m | €1.5m | €1.0m | ▼ 33.7% |
| Equity10/15 | €910,602 | €1.1m | €676,293 | ▼ 36.1% |
| Reserves13 | €900,500 | €987,000 | €675,000 | ▼ 31.6% |
| Profit (loss) carried forward14 | €10,102 | €70,916 | €1,293 | ▼ 98.2% |
| Amounts payable17/49 | €605,584 | €465,984 | €333,431 | ▼ 28.4% |
| Amounts payable within one year42/48 | €605,519 | €465,919 | €333,366 | ▼ 28.4% |
| Trade debts44 | €523,211 | €386,542 | €265,206 | ▼ 31.4% |
| Suppliers440/4 | €523,211 | €386,542 | €265,206 | ▼ 31.4% |
| Taxes, remuneration and social security45 | €82,108 | €79,177 | €67,960 | ▼ 14.2% |
| Taxes450/3 | - | €108 | - | - |
| Remuneration and social security454/9 | €82,108 | €79,069 | €67,960 | ▼ 14.1% |
| Accrued charges and deferred income492/3 | €65 | €65 | €65 | = |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€25,201 | €147,314 | -€381,624 | ▼ 359% |
| + Depreciation and write-downs630 | €34,204 | €32,051 | €32,417 | ▲ 1.1% |
| Operating cash flow (approximation) | €9,004 | €179,366 | -€349,207 | ▼ 295% |
| Investment in fixed assets (approximation) | - | -€4,624 | €0 | ▲ 100% |
| Change in cash | - | -€113,443 | -€211,410 | ▼ 86.4% |
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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet -€381,624
Net result drops to -€381,624, the lowest in the series.
09-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €147,314
Net result €147,314 after one loss-making year.
31-12
Financial
Equity above €1mEq €1.1m ▲16.2%
Equity rises from €910,602 to €1.1m.
24-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 11 acts read
About the unread acts
We know of 11 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
11 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, Antwerpen · 1 establishment unit since 2007
Ground area
127 m²
Building footprint
79 m²
Volume, LiDAR
818 m³
Parcel 11422C0185/00E007, Flanders · tallest building 15.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
vzw Oscare
since 20072.158.476.860
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11422C0185/00E007indicative | Flanders | 127 m² | 1 · 78 m² | 15.4 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
Recognitions · licences · registrations
Dual-learning approval
3 live approvals · 2 endedOnthaal, organisatie en sales duaal (so)
Polyvalent administratief ondersteuner (vwo)
Polyvalent administratief ondersteuner duaal (so)
Show 2 ended approvals
Administratief medewerker (so)
Administratief medewerker (so)
Legal Entity Identifier
6994000YZPTNAVLOWA58
Similar companies · same sector, comparable size
D.G.S. SOINS
BE 0774.857.675
Saint-Nicolas · Eq €662,814
Psychosociaal Ambulant Revalidatiecentrum gericht op Ontwikkeling en Rehabilitatie
BE 0683.817.138
Dendermonde · Eq €836,157
Mirabello
BE 0450.047.534
Oudenaarde · Eq €533,118
CAR Antenne 3000
BE 0433.184.479
Leuven · Eq €526,922
HOORKANTOOR
BE 0826.532.644
Nijlen · Eq €482,787
Of 113 companies in sector 86959 we hold annual accounts for 73. 59 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formNon-profit association
Founded28-11-1998
Fiscal year end31-12
Activities, NACEBEL 2025
86959Human health activities
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0465210218
Also
9925:BE0465210218
Registered
16-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.