OSWALD
ActiveOSWALD has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €188k and a net result of €3k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 88% of 2531 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+1
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 5.12 against 4.53 in 2024; short-term debt: 18% and cash: 35.7% of total assets), and 18% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
82%
Return on assets
1.3%
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
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 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
23 d late
2023
27 d late
2022
25 d late
2021
27 d late
2020
1 d early
2019
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€188k▲ 1.6%
2024 · €185k
2018: €198k
2019: €200k
2020: €190k
2021: €190k
2022: €188k
2023: €184k
2024: €185k
2018 → 2025
Total assets
€229k▼ 1.8%
2024 · €234k
2018: €236k
2019: €242k
2020: €246k
2021: €233k
2022: €244k
2023: €236k
2024: €234k
2018 → 2025
Net result
€3k▲ 158%
2024 · €1k
2018: €-3k
2019: €2k
2020: €-10k
2021: €-665
2022: €9k
2023: €-4k
2024: €1k
2018 → 2025
Working capital
€170k▼ 0.5%
2024 · €171k
2018: €172k
2019: €180k
2020: €161k
2021: €167k
2022: €165k
2023: €165k
2024: €171k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€190k-€188k▼ 0.9%€184k▼ 2.0%€185k▲ 0.6%€188k▲ 1.6%
Operating result€11-€12k▲ 107,481%€-3k€3k€4k▲ 40.7%
Net result€-665-€9k€-4k€1k€3k▲ 158%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 41% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €229k
Fixed assets
€18k▲ 26.2%
Current assets
€211k▼ 3.7%
Equity and liabilities €229k
Equity
€188k▲ 1.6%
Debt
€41k▼ 14.8%
The debt ratio falls from 20.7% to 18.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▼
2024 · €12k
Cash flow
€8k▼
2024 · €10k
Solvency
82.0%▲
2024 · 79.3%
Current ratio
5.12▲
2024 · 4.53
Quick ratio
2.95▲
2024 · 2.74
Debt / equity
0.22▼
2024 · 0.26
ROE
1.5%▲
2024 · 0.6%
ROA
1.3%▲
2024 · 0.5%
Interest coverage
29.58▼
2024 · 42.89
Debt
€41k▼
2024 · €48k
Debt ≤ 1 year
€41k▼
2024 · €48k
Income taxes
€1k▼
2024 · €2k
Staff costs
€84k▲
2024 · €82k
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€234k€229k▼
Fixed assets21/28€14k€18k▲
Tangible fixed assets22/27€14k€18k▲
Plant, machinery and equipment23€14k€9k▼
Furniture and vehicles24-€9k
Current assets29/58€219k€211k▼
Stocks and contracts in progress3€87k€90k▲
Stocks30/36€87k€90k▲
Amounts receivable within one year40/41€28k€31k▲
Trade receivables40€26k€29k▲
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€94k€82k▼
Deferred charges and accrued income490/1€11k€9k▼
Equity and liabilities
Total equity and liabilities10/49€234k€229k▼
Equity10/15€185k€188k▲
Contributions10/11€62k€62k=
Reserves13€37k€40k▲
Non-distributable reserves130/1€9k€9k=
Reserves not available under the articles1311€9k€9k=
Distributable reserves133€28k€31k▲
Profit (loss) carried forward14€86k€86k=
Amounts payable17/49€48k€41k▼
Amounts payable within one year42/48€48k€41k▼
Trade debts44€23k€12k▼
Suppliers440/4€23k€12k▼
Taxes, remuneration and social security45€20k€21k▲
Taxes450/3€9k€10k▲
Remuneration and social security454/9€11k€11k▲
Other amounts payable47/48€6k€9k▲
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61-€292k
Remuneration, social security and pensions62€82k€84k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€5k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€97k€95k▼
Operating profit (loss)9901€3k€4k▲
Financial income75/76B€4-
Recurring financial income75€4-
Financial charges65/66B€285€328▲
Recurring financial charges65€285€328▲
Profit (loss) for the period before taxes9903€3k€4k▲
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€1k€3k▲
Profit (loss) for the period to be appropriated9905€1k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€87k€89k▲
Profit (loss) brought forward from the previous period14P€86k€86k=
Transfer to equity691/2€1k€3k▲
To other reserves6921€1k€3k▲
The notes to these accounts (5 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
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-10k ▼511%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-12
Financial
Equity above €200kEq €200k ▲1.2%
Equity rises from €198k to €200k.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 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, Fosses-la-Ville · 1 establishment unit since 1991
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.
Route de Tamines 2865070 Fosses-la-VilleGround area
625 m²
Building footprint
52 m²
Volume, LiDAR
400 m³
Parcel 92002A0602/00F003, Wallonia · tallest building 8.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Route de Tamines 286, 5070 Fosses-la-Ville
since 19912.053.793.173
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92002A0602/00F003 | Wallonia | 625 m² | 1 · 52 m² | 8.8 m · 3 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.
Similar companies · same sector, comparable size
EDEC
BE 0425.921.159
Elsene · Eq €186k
DE VOGHEL
BE 0881.347.047
Assesse · Eq €185k
A LA FORGE
BE 0434.520.804
Liège · Eq €192k
LES 100 PAS
BE 1004.819.139
Charleroi · Eq €180k
Roba Invest
BE 0455.090.346
Sint-Truiden · Eq €180k
Of 2,545 companies in sector 95290 we hold annual accounts for 414. 305 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-1991
Fiscal year end31-12
Activities, NACEBEL
95313Repair and fitting of specific motor vehicle parts
50200
52740
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.