OSMAN
ActiveThe computed 12-month bankruptcy probability of OSMAN is 1.5% (moderate). The 2025 annual accounts show equity of €50k and a net result of €-6k. Equity is growing by ~22.6% per year across the filed fiscal years. Its solvency ranks better than 78% of 3609 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
72
/ 100
Healthy▼ -28 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▼-74
Solvency98▼-2
Growth56▼-19
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 5.75 against 3.5 in 2024), and 40.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
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
59.2%
Return on assets
-7.1%
Age of the figures
8 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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
31 d early
2023
41 d early
2022
34 d early
2021
46 d early
2020
25 d early
2019
87 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€193k▼ 3.6%
2024 · €200k
2018: €106k
2019: €134k
2020: €162k
2021: €160k
2022: €159k
2023: €157k
2024: €200k
2018 → 2025
EBIT margin
-2.8%▼ 16.0pp
2024 · 13.3%
2018: -0.6%
2019: 7.4%
2020: 6.5%
2021: 1.1%
2022: 0.7%
2023: 6.4%
2024: 13.3%
2018 → 2025
Net result
€-6k
2024 · €19k
2018: €-669
2019: €6k
2020: €7k
2021: €545
2022: €241
2023: €7k
2024: €19k
2018 → 2025
Working capital
€18k▼ 42.3%
2024 · €31k
2018: €481
2019: €6k
2020: €39k
2021: €23k
2022: €25k
2023: €33k
2024: €31k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€160k-€159k▼ 0.9%€157k▼ 0.9%€200k▲ 27.1%€193k▼ 3.6%
Equity€30k-€30k▲ 0.8%€37k▲ 22.3%€56k▲ 51.8%€50k▼ 10.7%
Operating result€2k-€1k▼ 31.5%€10k▲ 757%€26k▲ 165%€-5k
Net result€545-€241▼ 55.8%€7k▲ 2,671%€19k▲ 184%€-6k
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 turns negative in 2025: a loss of €5k after €26k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84k
Fixed assets
€62k▲ 153%
Current assets
€22k▼ 50.1%
Equity and liabilities €84k
Equity
€50k▼ 10.7%
Debt
€34k▲ 176%
The debt ratio rises from 18.2% to 40.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€8k▼
2024 · €32k
Cash flow
€7k▼
2024 · €24k
Solvency
59.2%▼
2024 · 81.8%
Current ratio
5.75▲
2024 · 3.50
Quick ratio
5.29▲
2024 · 3.41
Debt / equity
0.69▲
2024 · 0.22
ROE
-11.9%▼
2024 · 34.1%
ROA
-7.1%▼
2024 · 27.9%
Interest coverage
12.17▼
2024 · 39.99
Debt
€34k▲
2024 · €12k
Debt ≤ 1 year
€4k▼
2024 · €12k
Debt > 1 year
€30k
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€84k▲
Fixed assets21/28€25k€62k▲
Tangible fixed assets22/27€25k€62k▲
Plant, machinery and equipment23€22k€22k▲
Furniture and vehicles24€596€33k▲
Other tangible fixed assets26€3k€7k▲
Current assets29/58€43k€22k▼
Stocks and contracts in progress3€1k€2k▲
Stocks30/36€1k€2k▲
Amounts receivable within one year40/41€104€24▼
Other amounts receivable41€104€24▼
Cash at bank and in hand54/58€36k€18k▼
Deferred charges and accrued income490/1€6k€2k▼
Equity and liabilities
Total equity and liabilities10/49€68k€84k▲
Equity10/15€56k€50k▼
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€6k€19k▲
Uncalled capital101-€12k
Reserves13€45k€45k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Tax-exempt reserves132€13k€13k=
Distributable reserves133€30k€30k=
Profit (loss) carried forward14€5k€-1k▼
Amounts payable17/49€12k€34k▲
Amounts payable after more than one year17-€30k
Financial debts170/4-€30k
Amounts payable within one year42/48€12k€4k▼
Trade debts44€11k€2k▼
Suppliers440/4€11k€2k▼
Taxes, remuneration and social security45€2k€2k=
Taxes450/3€2k€2k=
Income statement
Code20242025
Turnover70€200k€193k▼
Non-recurring operating income76A€579€2k▲
Goods, raw materials, services and sundry goods60/61€168k€186k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€13k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-71€-690▼
Other operating charges640/8€789€2k▲
Gross operating margin9900€32k€9k▼
Operating profit (loss)9901€26k€-5k▼
Financial income75/76B€73€60▼
Recurring financial income75€73€60▼
Financial charges65/66B€791€648▼
Recurring financial charges65€791€648▼
Profit (loss) for the period before taxes9903€26k€-6k▼
Income taxes67/77€7k-
Profit (loss) for the period9904€19k€-6k▼
Profit (loss) for the period to be appropriated9905€19k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€-2k▼
Profit (loss) brought forward from the previous period14P€4k€4k=
Transfer from equity791/2-€954
Transfer to equity691/2€18k-
To other reserves6921€18k-
The notes to these accounts (6 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
28-08
State Gazette act
Purpose · Statutes amendmentGeneral meeting · Purpose change · Statutes amendment3 facts ▸
State Gazette act
Purpose · Statutes amendment
General meeting · Purpose change · Statutes amendment3 facts ▸
- General meeting, 2026-06-29
- Purpose change, Uitbreiding van het voorwerp met: Transport en logistiek, Voertuigen, Taxi- en personenvervoer, Administratieve dienstverlening, Horeca, Poets- en schoonmaakbed…
- Statutes amendment
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-6k ▼131%
Net result drops to €-6k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €19k ▲184%
Operating result €26k, net result €19k, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 10.92
Current ratio from 3.49 to 10.92; short-term debt falls from €9k to €2k.
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 5.46
Current ratio from 2.15 to 5.46.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Begijnendijk · 1 establishment unit since 2007
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.
Prof.Scharpélaan 353130 BegijnendijkGround area
415 m²
Building footprint
229 m²
Volume, LiDAR
974 m³
Parcel 24010B0207/00E003, Flanders · tallest building 10.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SIPAN Betekom
since 20072.194.013.306
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24010B0207/00E003 | Flanders | 415 m² | 1 · 229 m² | 10.3 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBegijnendijk2.194.013.306
Similar companies · same sector, comparable size
BRAJA
BE 0459.846.217
Ottignies-Louvain-la-Neuve · Eq €50k
BTR BROERS
BE 1005.673.927
Begijnendijk · Eq €50k
JEKEMO
BE 0816.638.743
Malmedy · Eq €50k
BRASSERIE BASILE
BE 1003.852.901
Merelbeke-Melle · Eq €50k
TRATTORIA SAN DANIELE
BE 0459.252.834
Liège · Eq €50k
Of 20,234 companies in sector 56111 we hold annual accounts for 11,310. 9,695 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2007
Fiscal year end31-12
Activities, NACEBEL
56111Full-service restaurants
56220Contract catering and other food service activities
56290Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.