OSWALD 180
ActiveOSWALD 180 has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €698k and a net result of €-6k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 57% of 7932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▲+18
Solvency76▲+5
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity short (current ratio 0.81 against 0.7 in 2024; short-term debt: 21.1% and cash: 15.4% of total assets), and 49.4% 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
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-6k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
29 d late
2023
120 d late
2022
578 d late
2021
61 d late
2020
31 d late
2019
61 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€698k▼ 1.3%
2024 · €708k
2018: €713k
2019: €791k
2020: €843k
2021: €719k
2022: €766k
2023: €743k
2024: €708k
2018 → 2025
Total assets
€1.38M▼ 11.3%
2024 · €1.55M
2018: €1.93M
2019: €2.00M
2020: €2.01M
2021: €1.86M
2022: €1.78M
2023: €2.38M
2024: €1.55M
2018 → 2025
Net result
€-6k▲ 82.0%
2024 · €-31k
2018: €54k
2019: €81k
2020: €55k
2021: €114k
2022: €50k
2023: €-20k
2024: €-31k
2018 → 2025
Working capital
€-54k▲ 53.0%
2024 · €-115k
2018: €128k
2019: €169k
2020: €225k
2021: €16k
2022: €42k
2023: €3k
2024: €-115k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€719k-€766k▲ 6.5%€743k▼ 3.0%€708k▼ 4.7%€698k▼ 1.3%
Operating result€164k-€78k▼ 52.7%€-8k€-22k▼ 171%€3k
Net result€114k-€50k▼ 55.8%€-20k€-31k▼ 59.6%€-6k▲ 82.0%
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 returns to profit in 2025: €3k after a loss of €22k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.38M
Fixed assets
€1.14M▼ 11.6%
Current assets
€237k▼ 9.8%
Equity and liabilities €1.38M
Equity
€698k▼ 1.3%
Provisions
€108k▼ 1.5%
Debt
€573k▼ 22.3%
The debt ratio falls from 47.4% to 41.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€84k▲
2024 · €69k
Cash flow
€76k▲
2024 · €60k
Solvency
50.6%▲
2024 · 45.5%
Current ratio
0.81▲
2024 · 0.70
Quick ratio
0.81▲
2024 · 0.70
Debt / equity
0.82▼
2024 · 1.04
ROE
-0.8%▲
2024 · -4.4%
ROA
-0.4%▲
2024 · -2.0%
Interest coverage
6.29▲
2024 · 4.06
Debt
€573k▼
2024 · €737k
Debt ≤ 1 year
€291k▼
2024 · €377k
Debt > 1 year
€241k▼
2024 · €326k
Staff costs
€9k▲
2024 · €274
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€1.55M€1.38M▼
Fixed assets21/28€1.29M€1.14M▼
Tangible fixed assets22/27€1.29M€1.14M▼
Land and buildings22€1.17M€1.10M▼
Plant, machinery and equipment23€25k€22k▼
Furniture and vehicles24€92k€24k▼
Financial fixed assets28€75€75=
Current assets29/58€263k€237k▼
Amounts receivable within one year40/41€34k€24k▼
Trade receivables40€3k€9k▲
Other amounts receivable41€31k€15k▼
Cash at bank and in hand54/58€227k€212k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.55M€1.38M▼
Equity10/15€708k€698k▼
Contributions10/11€10k€10k=
Capital10€10k€10k=
Issued capital100€18k€18k=
Uncalled capital101€8k€8k=
Reserves13€652k€652k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Tax-exempt reserves132€16k€16k=
Distributable reserves133€634k€634k=
Profit (loss) carried forward14€-39k€-45k▼
Investment grants15€85k€81k▼
Provisions and deferred taxes16€110k€108k▼
Provisions for liabilities and charges160/5€66k€66k=
Pensions and similar obligations160€66k€66k=
Deferred taxes168€44k€42k▼
Amounts payable17/49€737k€573k▼
Amounts payable after more than one year17€326k€241k▼
Financial debts170/4€326k€241k▼
Amounts payable within one year42/48€377k€291k▼
Current portion of amounts payable after more than one year42€85k€117k▲
Trade debts44€30k€3k▼
Suppliers440/4€30k€3k▼
Taxes, remuneration and social security45€28k€5k▼
Taxes450/3€28k€5k▼
Other amounts payable47/48€234k€165k▼
Accrued charges and deferred income492/3€33k€41k▲
Income statement
Code20242025
Remuneration, social security and pensions62€274€9k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€91k€81k▼
Other operating charges640/8€7k€8k▲
Non-recurring operating charges66A-€-6
Gross operating margin9900€77k€101k▲
Operating profit (loss)9901€-22k€3k▲
Financial income75/76B€6k€4k▼
Recurring financial income75€6k€4k▼
Financial charges65/66B€17k€14k▼
Recurring financial charges65€17k€13k▼
Non-recurring financial charges66B-€204
Profit (loss) for the period before taxes9903€-33k€-7k▲
Transfer from deferred taxes780€2k€2k=
Profit (loss) for the period9904€-31k€-6k▲
Profit (loss) for the period to be appropriated9905€-31k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-39k€-45k▼
Profit (loss) brought forward from the previous period14P€-8k€-39k▼
The notes to these accounts (9 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 578 days late
2024
31-12
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 120 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Highest result since 2018net €114k ▲106%
Operating result €164k, net result €114k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 61 days late
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-07
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
5 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, Sint-Niklaas · 1 establishment unit since 2016
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.
Neerstraat 1759112 Sint-NiklaasGround area
6,085 m²
Building footprint
662 m²
Volume, LiDAR
2,708 m³
2 parcels, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vakantiewoning Hoeve Oswald
since 20162.254.252.185
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46019A0616/00F000 | Flanders | 4,195 m² | 1 · 251 m² | 7.6 m · 2 fl. |
| 46019A0934/00G000 | Flanders | 1,889 m² | 1 · 411 m² | 7.6 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2022 to 2025 · 5 entries · 4,906 EUR awarded · 4,906 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 3,286 EUR | 4,786 EUR |
| 2024 | 2 | 1,561 EUR | 61 EUR |
| 2022 | 1 | 59 EUR | 59 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Thematische projectoproep tot subsidiëring Toerisme Vlaanderen
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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As · Eq €691k
Of 1,745 companies in sector 46150 we hold annual accounts for 757. 411 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2006
Fiscal year end31-12
Activities, NACEBEL
46150Agents in the wholesale of furniture, household goods and hardware
51150
55203Holiday cottages, homes and apartments
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
45310
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
74142
74203
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.
Contact details
1 entryE-mail:info@hoeve-oswald.be