Oset
ActiveSummary
Oset has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €663,972 and a net result of €44,845. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 79% of 1049 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75▼-3
Solvency98▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50,000 at 30 days acceptable
Liquidity tight (current ratio 1.05 against 0.92 in 2024; short-term debt: 24.4% and cash: 8.9% of total assets), and 26.6% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : 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 · 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
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
73.4%
Return on assets
5%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
3 d early
2023
29 d early
2022
2 d early
2021
27 d early
2020
51 d early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 12 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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.
Companies Code · seven monthsPosition in the running window
26-09-2026 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 simulator 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 How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
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
€663,972▲ 7.2%
2024 · €619,128
Total assets
€905,130▼ 5.5%
2024 · €957,746
Net result
€44,845▼ 43.4%
2024 · €79,290
Working capital
€10,792
2024 · -€23,943
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€46,518▼ 45.9%€41,631▼ 10.5%€97,745▲ 135%€105,291▲ 7.7%€74,607▼ 29.1%
Net result€28,766▼ 56.7%€24,877▼ 13.5%€75,948▲ 205%€79,290▲ 4.4%€44,845▼ 43.4%
Equity€439,013▲ 7.0%€463,890▲ 5.7%€539,838▲ 16.4%€619,128▲ 14.7%€663,972▲ 7.2%
Total assets€1.0m▼ 3.9%€954,030▼ 8.0%€937,855▼ 1.7%€957,746▲ 2.1%€905,130▼ 5.5%
Debt€597,921▼ 10.5%€490,140▼ 18.0%€398,017▼ 18.8%€338,619▼ 14.9%€241,158▼ 28.8%
Working capital-€217,412▼ 20.3%-€204,890▲ 5.8%-€85,960▲ 58.0%-€23,943▲ 72.1%€10,792
Staff (FTE)2.8▲ 12.0%2.8=3.9▲ 39.3%4.2▲ 7.7%4.5▲ 7.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €905,130
Fixed assets
€673,742 ▼ 1.5%
Current assets
€231,389 ▼ 15.6%
Equity and liabilities €905,130
Equity
€663,972 ▲ 7.2%
Debt
€241,158 ▼ 28.8%
Debt's share of the balance-sheet total falls from 35.4% to 26.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€98,557▼
2024 · €121,551
Cash flow
€68,795▼
2024 · €95,550
Current ratio
1.05▲
2024 · 0.92
Quick ratio
0.57▲
2024 · 0.49
Debt to equity
0.36▼
2024 · 0.55
ROE
6.8%▼
2024 · 12.8%
ROA
5.0%▼
2024 · 8.3%
Interest coverage
9.11▲
2024 · 5.89
Debt ≤ 1 year
€220,596▼
2024 · €297,998
Debt > 1 year
€20,561▼
2024 · €38,604
Income taxes
€19,055▲
2024 · €5,554
Staff costs
€294,015▲
2024 · €252,181
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €5,372 | - |
| Remuneration, social security and pensions62 | €153,767 | €159,496 | €199,400 | €252,181 | €294,015 | ▲ 16.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €38,655 | €33,254 | €17,163 | €16,260 | €23,950 | ▲ 47.3% |
| Other operating charges640/8 | €10,920 | €13,201 | €11,681 | €14,336 | €18,598 | ▲ 29.7% |
| Gross operating margin9900 | €249,860 | €247,582 | €325,989 | €388,068 | €411,170 | ▲ 6.0% |
| Operating profit (loss)9901 | €46,518 | €41,631 | €97,745 | €105,291 | €74,607 | ▼ 29.1% |
| Financial income75/76B | €649 | €111 | €294 | €174 | €112 | ▼ 35.6% |
| Recurring financial income75 | €649 | €111 | €294 | €174 | €112 | ▼ 35.6% |
| Financial charges65/66B | €18,401 | €16,438 | €21,663 | €20,621 | €10,819 | ▼ 47.5% |
| Recurring financial charges65 | €18,401 | €16,438 | €21,663 | €20,621 | €10,819 | ▼ 47.5% |
| Profit (loss) for the period before taxes9903 | €28,766 | €25,304 | €76,375 | €84,844 | €63,900 | ▼ 24.7% |
| Income taxes67/77 | - | €427 | €427 | €5,554 | €19,055 | ▲ 243% |
| Profit (loss) for the period9904 | €28,766 | €24,877 | €75,948 | €79,290 | €44,845 | ▼ 43.4% |
| Profit (loss) for the period to be appropriated9905 | €28,766 | €24,877 | €75,948 | €79,290 | €44,845 | ▼ 43.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.0m | €954,030 | €937,855 | €957,746 | €905,130 | ▼ 5.5% |
| Fixed assets21/28 | €725,096 | €691,842 | €685,181 | €683,692 | €673,742 | ▼ 1.5% |
| Tangible fixed assets22/27 | €725,096 | €691,842 | €685,181 | €683,692 | €673,242 | ▼ 1.5% |
| Land and buildings22 | €690,825 | €681,370 | €675,672 | €665,425 | €650,179 | ▼ 2.3% |
| Plant, machinery and equipment23 | €4,300 | €1,911 | €0 | €14,488 | €11,534 | ▼ 20.4% |
| Furniture and vehicles24 | €29,971 | €8,561 | €9,509 | €3,778 | €11,529 | ▲ 205% |
| Financial fixed assets28 | - | - | - | - | €500 | - |
| Current assets29/58 | €311,838 | €262,188 | €252,674 | €274,055 | €231,389 | ▼ 15.6% |
| Stocks and contracts in progress3 | €168,344 | €152,272 | €146,424 | €126,966 | €106,440 | ▼ 16.2% |
| Stocks30/36 | €168,344 | €152,272 | €146,424 | €126,966 | €106,440 | ▼ 16.2% |
| Amounts receivable within one year40/41 | €26,823 | €22,367 | €36,101 | €33,645 | €42,005 | ▲ 24.8% |
| Trade receivables40 | €26,823 | €22,367 | €31,036 | €28,580 | €36,940 | ▲ 29.2% |
| Other amounts receivable41 | - | - | €5,065 | €5,065 | €5,065 | = |
| Cash at bank and in hand54/58 | €114,170 | €85,050 | €67,649 | €110,943 | €80,443 | ▼ 27.5% |
| Deferred charges and accrued income490/1 | €2,500 | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.0m | €954,030 | €937,855 | €957,746 | €905,130 | ▼ 5.5% |
| Equity10/15 | €439,013 | €463,890 | €539,838 | €619,128 | €663,972 | ▲ 7.2% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Revaluation surpluses12 | €510,000 | €510,000 | €510,000 | €510,000 | €510,000 | = |
| Reserves13 | €95,421 | €95,421 | €95,421 | €95,421 | €135,372 | ▲ 41.9% |
| Non-distributable reserves130/1 | €10,000 | €10,000 | - | - | - | - |
| Reserves not available under the articles1311 | €10,000 | €10,000 | - | - | - | - |
| Tax-exempt reserves132 | €8,180 | €8,180 | €8,180 | €8,180 | €38,680 | ▲ 373% |
| Distributable reserves133 | €77,241 | €77,241 | €87,241 | €87,241 | €96,692 | ▲ 10.8% |
| Profit (loss) carried forward14 | -€185,008 | -€160,131 | -€84,183 | -€4,894 | - | - |
| Amounts payable17/49 | €597,921 | €490,140 | €398,017 | €338,619 | €241,158 | ▼ 28.8% |
| Amounts payable after more than one year17 | €68,671 | €23,062 | €59,383 | €38,604 | €20,561 | ▼ 46.7% |
| Financial debts170/4 | €68,671 | €23,062 | €59,383 | €38,604 | €20,561 | ▼ 46.7% |
| Amounts payable within one year42/48 | €529,250 | €467,078 | €338,634 | €297,998 | €220,596 | ▼ 26.0% |
| Current portion of amounts payable after more than one year42 | €67,479 | €46,314 | €36,714 | €27,790 | €35,022 | ▲ 26.0% |
| Financial debts43 | €356,864 | €306,696 | €150,000 | €110,000 | - | - |
| Credit institutions430/8 | €350,000 | €300,000 | €150,000 | €110,000 | - | - |
| Other loans439 | €6,864 | €6,696 | - | - | - | - |
| Trade debts44 | €43,491 | €62,691 | €87,970 | €101,406 | €115,686 | ▲ 14.1% |
| Suppliers440/4 | €43,491 | €62,691 | €87,970 | €101,406 | €115,686 | ▲ 14.1% |
| Taxes, remuneration and social security45 | €50,534 | €40,495 | €53,068 | €47,920 | €59,007 | ▲ 23.1% |
| Taxes450/3 | €17,502 | €19,563 | €5,107 | €14,858 | €26,744 | ▲ 80.0% |
| Remuneration and social security454/9 | €33,032 | €20,932 | €47,962 | €33,062 | €32,263 | ▼ 2.4% |
| Other amounts payable47/48 | €10,882 | €10,882 | €10,882 | €10,882 | €10,882 | = |
| Accrued charges and deferred income492/3 | - | - | - | €2,017 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €28,766 | €24,877 | €75,948 | €79,290 | €44,845 | ▼ 43.4% |
| + Depreciation and write-downs630 | €38,655 | €33,254 | €17,163 | €16,260 | €23,950 | ▲ 47.3% |
| Operating cash flow (approximation) | €67,421 | €58,131 | €93,111 | €95,550 | €68,795 | ▼ 28.0% |
| Investment in fixed assets (approximation) | - | €0 | -€10,502 | -€14,771 | -€14,000 | ▲ 5.2% |
| Change in cash | - | -€29,121 | -€17,401 | €43,294 | -€30,499 | ▼ 170% |
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €79,290 ▲4.4%
Operating result €105,291, net result €79,290, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €500,000Eq €539,838 ▲16.4%
5 profitable years in a row build equity to €539,838.
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €15,840
Net result €15,840 after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Lanaken · 1 establishment unit since 1995
Ground area
2,049 m²
Building footprint
1,053 m²
Volume, LiDAR
4,620 m³
Parcel 73322E0344/00T000, Flanders · tallest building 6.0 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
OSET
since 19952.070.415.906
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73322E0344/00T000 | Flanders | 2,049 m² | 1 · 1,053 m² | 6.0 m · 2 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.
Similar companies · same sector, comparable size
AUTO - TECHNIC
BE 0438.465.338
Péruwelz · Eq €664,879
GARAGE CARROSSERIE de L'AVENIR
BE 0428.623.402
Hotton · Eq €666,318
GOVA
BE 0444.412.725
Zoutleeuw · Eq €666,378
Garage Van Waeyenberge Remy en zonen
BE 0818.148.379
Erpe-Mere · Eq €661,208
Gar. Dep. Vermeulen Kurt
BE 0827.708.324
Gavere · Eq €660,465
Of 7,378 companies in sector 95311 we hold annual accounts for 2,961. 1,953 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
Founded09-12-1994
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Scores and ratios are computed by Checked and are not a credit decision.