OSWALT
ActiveSummary
OSWALT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €8k. Equity is growing by ~31% per year across the filed fiscal years. Its solvency ranks better than 25% of 3489 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability84▲+3
Solvency42▼-8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.26 in 2024; short-term debt: 80.9% and cash: 62.8% of total assets), and 82.9% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Other professional, scientific and technical activities (NACE 74)
about 48% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 3489 sector peers (2025).
NBB · sector comparisonPosition among 3489 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
34 d early
2022
5 d early
2021
6 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Financials · fiscal year 2025, micro schema
Equity
€11k▼ 41.2%
2024 · €19k
Total assets
€66k▼ 14.1%
2024 · €76k
Net result
€8k▲ 14.9%
2024 · €7k
Working capital
€7k▼ 49.8%
2024 · €14k
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€5k-€-7k€8k€10k▲ 22.0%€12k▲ 17.2%
Net result€3k-€-8k€13k€7k▼ 45.7%€8k▲ 14.9%
Equity€6k-€-1k€12k€19k▲ 60.1%€11k▼ 41.2%
Total assets€40k-€38k▼ 3.7%€57k▲ 47.5%€76k▲ 34.7%€66k▼ 14.1%
Debt€34k-€40k▲ 18.2%€45k▲ 12.7%€57k▲ 27.9%€54k▼ 5.1%
Working capital€-7k-€-8k▼ 13.7%€8k€14k▲ 67.2%€7k▼ 49.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66k
Fixed assets
€6k ▼ 44.0%
Current assets
€60k ▼ 9.6%
Equity and liabilities €66k
Equity
€11k ▼ 41.2%
Debt
€54k ▼ 5.1%
Debt's share of the balance-sheet total rises from 75.0% to 82.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€16k▲
2024 · €15k
Cash flow
€13k▲
2024 · €12k
Current ratio
1.13▼
2024 · 1.26
Quick ratio
1.04▼
2024 · 1.18
Debt to equity
4.83▲
2024 · 2.99
ROE
73.4%▲
2024 · 37.5%
ROA
12.6%▲
2024 · 9.4%
Interest coverage
18.29▼
2024 · 18.65
Debt ≤ 1 year
€53k▲
2024 · €53k
Debt > 1 year
€969▼
2024 · €5k
Income taxes
€3k▲
2024 · €2k
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10k | €7k | €5k | €5k | €5k | ▼ 1.3% |
| Other operating charges640/8 | €1k | €879 | €638 | €931 | €811 | ▼ 12.9% |
| Gross operating margin9900 | €17k | €269 | €14k | €16k | €17k | ▲ 10.0% |
| Operating profit (loss)9901 | €5k | €-7k | €8k | €10k | €12k | ▲ 17.2% |
| Financial income75/76B | €1 | €6 | €8k | €167 | €4 | ▼ 97.3% |
| Recurring financial income75 | €1 | €6 | €21 | €167 | €4 | ▼ 97.3% |
| Non-recurring financial income76B | - | - | €8k | - | - | - |
| Financial charges65/66B | €190 | €261 | €877 | €792 | €900 | ▲ 13.6% |
| Recurring financial charges65 | €190 | €261 | €877 | €792 | €900 | ▲ 13.6% |
| Profit (loss) for the period before taxes9903 | €5k | €-7k | €15k | €10k | €11k | ▲ 15.5% |
| Income taxes67/77 | €1k | €112 | €2k | €2k | €3k | ▲ 17.3% |
| Profit (loss) for the period9904 | €3k | €-8k | €13k | €7k | €8k | ▲ 14.9% |
| Profit (loss) for the period to be appropriated9905 | €3k | €-8k | €13k | €7k | €8k | ▲ 14.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €40k | €38k | €57k | €76k | €66k | ▼ 14.1% |
| Fixed assets21/28 | €13k | €7k | €12k | €10k | €6k | ▼ 44.0% |
| Tangible fixed assets22/27 | €13k | €7k | €12k | €10k | €5k | ▼ 45.8% |
| Plant, machinery and equipment23 | €5k | €1k | - | €2k | €1k | ▼ 44.8% |
| Furniture and vehicles24 | €9k | €5k | €12k | €8k | €4k | ▼ 46.1% |
| Financial fixed assets28 | - | - | - | - | €181 | - |
| Current assets29/58 | €26k | €32k | €45k | €66k | €60k | ▼ 9.6% |
| Stocks and contracts in progress3 | €1k | €4k | €5k | €5k | €5k | ▲ 2.0% |
| Stocks30/36 | €1k | €4k | €5k | €5k | €5k | ▲ 2.0% |
| Amounts receivable within one year40/41 | €4k | €9k | €4k | €17k | €14k | ▼ 18.1% |
| Trade receivables40 | €4k | €9k | €4k | €14k | €14k | ▼ 2.3% |
| Other amounts receivable41 | - | - | €71 | €3k | - | - |
| Cash at bank and in hand54/58 | €21k | €18k | €35k | €45k | €41k | ▼ 8.2% |
| Deferred charges and accrued income490/1 | €383 | €343 | €214 | €448 | €633 | ▲ 41.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €40k | €38k | €57k | €76k | €66k | ▼ 14.1% |
| Equity10/15 | €6k | €-1k | €12k | €19k | €11k | ▼ 41.2% |
| Contributions10/11 | €3k | €3k | €3k | €3k | €3k | = |
| Reserves13 | €3k | - | €9k | €16k | €8k | ▼ 48.8% |
| Distributable reserves133 | €3k | - | €9k | €16k | €8k | ▼ 48.8% |
| Profit (loss) carried forward14 | - | €-4k | - | - | - | - |
| Amounts payable17/49 | €34k | €40k | €45k | €57k | €54k | ▼ 5.1% |
| Amounts payable after more than one year17 | - | - | €8k | €5k | €969 | ▼ 79.4% |
| Financial debts170/4 | - | - | €8k | €5k | €969 | ▼ 79.4% |
| Amounts payable within one year42/48 | €34k | €40k | €37k | €53k | €53k | ▲ 1.0% |
| Current portion of amounts payable after more than one year42 | - | - | €3k | €4k | €4k | ▲ 5.7% |
| Trade debts44 | €5k | €9k | €1k | €13k | €6k | ▼ 56.2% |
| Suppliers440/4 | €5k | €9k | €1k | €13k | €6k | ▼ 56.2% |
| Taxes, remuneration and social security45 | €3k | €7k | €7k | €13k | €13k | ▲ 2.0% |
| Taxes450/3 | €3k | €5k | €5k | €13k | €11k | ▼ 12.0% |
| Remuneration and social security454/9 | - | €2k | €2k | - | €2k | - |
| Other amounts payable47/48 | €25k | €24k | €25k | €23k | €31k | ▲ 31.6% |
| Accrued charges and deferred income492/3 | - | - | - | - | €320 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3k | €-8k | €13k | €7k | €8k | ▲ 14.9% |
| + Depreciation and write-downs630 | €10k | €7k | €5k | €5k | €5k | ▼ 1.3% |
| Operating cash flow (approximation) | €14k | €-976 | €18k | €12k | €13k | ▲ 8.6% |
| Investment in fixed assets (approximation) | - | €0 | €-10k | €-3k | €-181 | ▲ 93.3% |
| Change in cash | - | €-3k | €17k | €10k | €-4k | ▼ 139% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Damme · 1 establishment unit since 2020
Ground area
340 m²
Building footprint
113 m²
Volume, LiDAR
781 m³
Parcel 31019A0503/00B006, Flanders · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OSWALT
since 20202.301.512.367
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31019A0503/00B006 | Flanders | 340 m² | 1 · 113 m² | 9.3 m · 3 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.
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Of 6,288 companies in sector 74120 we hold annual accounts for 1,010. 753 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
Founded19-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
74120Graphic design and visual communication
63100Computing infrastructure, data processing, hosting and related activities
63910Web portal activities
Scores and ratios are computed by Checked and are not a credit decision.