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 €11,262 and a net result of €8,262. Equity is growing by ~31% per year across the filed fiscal years. Its solvency ranks better than 25% of 3505 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 3505 sector peers (2025).
NBB · sector comparisonPosition among 3505 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 →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 3 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% 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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€11,262▼ 41.2%
2024 · €19,152
Total assets
€65,688▼ 14.1%
2024 · €76,481
Net result
€8,262▲ 14.9%
2024 · €7,190
Working capital
€6,958▼ 49.8%
2024 · €13,874
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 74, Other professional, scientific and technical activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€4,827--€7,245€8,310€10,136▲ 22.0%€11,881▲ 17.2%
Net result€3,340within the sector's middle half--€7,612below the sector's middle half€13,234within the sector's middle half€7,190within the sector's middle half▼ 45.7%€8,262within the sector's middle half▲ 14.9%
Equity€6,340below the sector's middle half--€1,272below the sector's middle half€11,962within the sector's middle half€19,152within the sector's middle half▲ 60.1%€11,262within the sector's middle half▼ 41.2%
Total assets€39,975below the sector's middle half-€38,483below the sector's middle half▼ 3.7%€56,776within the sector's middle half▲ 47.5%€76,481within the sector's middle half▲ 34.7%€65,688within the sector's middle half▼ 14.1%
Debt€33,635-€39,755▲ 18.2%€44,814▲ 12.7%€57,328▲ 27.9%€54,425▼ 5.1%
Working capital-€7,148--€8,125▼ 13.7%€8,299€13,874▲ 67.2%€6,958▼ 49.8%
Solvency15.9%within the sector's middle half--3.3%below the sector's middle half▼ 19.2pp21.1%within the sector's middle half▲ 24.4pp25.0%within the sector's middle half▲ 4.0pp17.1%below the sector's middle half▼ 7.9pp
above
within
below
the middle half (P25 to P75) of NACE 74, Other professional, scientific and technical activities, each year against the same schema; no band under 30 filings.
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 €65,688
Fixed assets
€5,593 ▼ 44.0%
Current assets
€60,094 ▼ 9.6%
Equity and liabilities €65,688
Equity
€11,262 ▼ 41.2%
Debt
€54,425 ▼ 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
€16,459▲
2024 · €14,773
Cash flow
€12,841▲
2024 · €11,827
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
€53,136▲
2024 · €52,616
Debt > 1 year
€969▼
2024 · €4,712
Income taxes
€2,723▲
2024 · €2,321
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,703 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,703 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,461 | €6,636 | €5,155 | €4,637 | €4,578 | ▼ 1.3% |
| Other operating charges640/8 | €1,283 | €879 | €638 | €931 | €811 | ▼ 12.9% |
| Gross operating margin9900 | €16,572 | €269 | €14,103 | €15,705 | €17,270 | ▲ 10.0% |
| Operating profit (loss)9901 | €4,827 | -€7,245 | €8,310 | €10,136 | €11,881 | ▲ 17.2% |
| Financial income75/76B | €1 | €6 | €7,759 | €167 | €4 | ▼ 97.3% |
| Recurring financial income75 | €1 | €6 | €21 | €167 | €4 | ▼ 97.3% |
| Non-recurring financial income76B | - | - | €7,738 | - | - | - |
| 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 | €4,639 | -€7,500 | €15,192 | €9,511 | €10,985 | ▲ 15.5% |
| Income taxes67/77 | €1,299 | €112 | €1,958 | €2,321 | €2,723 | ▲ 17.3% |
| Profit (loss) for the period9904 | €3,340 | -€7,612 | €13,234 | €7,190 | €8,262 | ▲ 14.9% |
| Profit (loss) for the period to be appropriated9905 | €3,340 | -€7,612 | €13,234 | €7,190 | €8,262 | ▲ 14.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €39,975 | €38,483 | €56,776 | €76,481 | €65,688 | ▼ 14.1% |
| Fixed assets21/28 | €13,488 | €6,852 | €11,918 | €9,991 | €5,593 | ▼ 44.0% |
| Tangible fixed assets22/27 | €13,488 | €6,852 | €11,918 | €9,991 | €5,413 | ▼ 45.8% |
| Plant, machinery and equipment23 | €4,515 | €1,492 | - | €2,016 | €1,113 | ▼ 44.8% |
| Furniture and vehicles24 | €8,973 | €5,361 | €11,918 | €7,974 | €4,299 | ▼ 46.1% |
| Financial fixed assets28 | - | - | - | - | €181 | - |
| Current assets29/58 | €26,487 | €31,631 | €44,858 | €66,490 | €60,094 | ▼ 9.6% |
| Stocks and contracts in progress3 | €1,458 | €4,450 | €5,026 | €4,524 | €4,614 | ▲ 2.0% |
| Stocks30/36 | €1,458 | €4,450 | €5,026 | €4,524 | €4,614 | ▲ 2.0% |
| Amounts receivable within one year40/41 | €3,855 | €8,886 | €4,188 | €16,567 | €13,573 | ▼ 18.1% |
| Trade receivables40 | €3,855 | €8,886 | €4,117 | €13,887 | €13,573 | ▼ 2.3% |
| Other amounts receivable41 | - | - | €71 | €2,679 | - | - |
| Cash at bank and in hand54/58 | €20,791 | €17,951 | €35,430 | €44,951 | €41,274 | ▼ 8.2% |
| Deferred charges and accrued income490/1 | €383 | €343 | €214 | €448 | €633 | ▲ 41.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €39,975 | €38,483 | €56,776 | €76,481 | €65,688 | ▼ 14.1% |
| Equity10/15 | €6,340 | -€1,272 | €11,962 | €19,152 | €11,262 | ▼ 41.2% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €3,340 | - | €8,962 | €16,152 | €8,262 | ▼ 48.8% |
| Distributable reserves133 | €3,340 | - | €8,962 | €16,152 | €8,262 | ▼ 48.8% |
| Profit (loss) carried forward14 | - | -€4,272 | - | - | - | - |
| Amounts payable17/49 | €33,635 | €39,755 | €44,814 | €57,328 | €54,425 | ▼ 5.1% |
| Amounts payable after more than one year17 | - | - | €8,254 | €4,712 | €969 | ▼ 79.4% |
| Financial debts170/4 | - | - | €8,254 | €4,712 | €969 | ▼ 79.4% |
| Amounts payable within one year42/48 | €33,635 | €39,755 | €36,560 | €52,616 | €53,136 | ▲ 1.0% |
| Current portion of amounts payable after more than one year42 | - | - | €3,351 | €3,542 | €3,744 | ▲ 5.7% |
| Trade debts44 | €5,251 | €8,714 | €1,256 | €13,053 | €5,723 | ▼ 56.2% |
| Suppliers440/4 | €5,251 | €8,714 | €1,256 | €13,053 | €5,723 | ▼ 56.2% |
| Taxes, remuneration and social security45 | €2,965 | €6,970 | €6,896 | €12,589 | €12,838 | ▲ 2.0% |
| Taxes450/3 | €2,965 | €5,250 | €5,131 | €12,589 | €11,073 | ▼ 12.0% |
| Remuneration and social security454/9 | - | €1,720 | €1,765 | - | €1,765 | - |
| Other amounts payable47/48 | €25,419 | €24,071 | €25,057 | €23,432 | €30,831 | ▲ 31.6% |
| Accrued charges and deferred income492/3 | - | - | - | - | €320 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,340 | -€7,612 | €13,234 | €7,190 | €8,262 | ▲ 14.9% |
| + Depreciation and write-downs630 | €10,461 | €6,636 | €5,155 | €4,637 | €4,578 | ▼ 1.3% |
| Operating cash flow (approximation) | €13,801 | -€976 | €18,390 | €11,827 | €12,841 | ▲ 8.6% |
| Investment in fixed assets (approximation) | - | €0 | -€10,221 | -€2,710 | -€181 | ▲ 93.3% |
| Change in cash | - | -€2,840 | €17,479 | €9,521 | -€3,677 | ▼ 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.
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 €13,234
Net result €13,234 after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€7,612
Net result drops to -€7,612, 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 1,011. 754 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
E-invoicing
Reachable via Peppol
Peppol ID
0208:0743864294
Also
9925:BE0743864294
Registered
17-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.