OSWINNEN CONSULTING
ActiveOSWINNEN CONSULTING has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €114k and a net result of €67k. Its solvency ranks better than 74% of 3450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency99▲+15
Growth78
Track record82
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days only on tighter terms
Liquidity ample (current ratio 3.8 against 2.43 in 2024; short-term debt: 25.7% and cash: 87.6% of total assets), and 25.7% 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
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
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
74.3%
Return on assets
43.4%
Age of the figures
9 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 24-04-2026, 98 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
98 d early
2024
48 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€114k▲ 136%
2024 · €48k
2024: €48k
2024 → 2025
Total assets
€154k▲ 87.2%
2024 · €82k
2024: €82k
2024 → 2025
Net result
€67k▲ 38.4%
2024 · €48k
2024: €48k
2024 → 2025
Working capital
€111k▲ 129%
2024 · €48k
2024: €48k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€48k-€114k▲ 136%
Operating result€63k-€89k▲ 41.1%
Net result€48k-€67k▲ 38.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 41% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €154k
Fixed assets
€3k
Current assets
€150k
Equity and liabilities €154k
Equity
€114k▲ 136%
Debt
€40k▲ 17.0%
The debt ratio falls from 41.2% to 25.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€90k
Cash flow
€68k
Solvency
74.3%▲
2024 · 58.8%
Current ratio
3.80▲
2024 · 2.43
Quick ratio
3.80▲
2024 · 2.43
Debt / equity
0.35▼
2024 · 0.70
ROE
58.4%▼
2024 · 99.7%
ROA
43.4%▼
2024 · 58.7%
Interest coverage
22.18
Debt
€40k▲
2024 · €34k
Debt ≤ 1 year
€40k▲
2024 · €34k
Income taxes
€18k▲
2024 · €12k
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€82k€154k▲
Fixed assets21/28-€3k
Tangible fixed assets22/27-€3k
Furniture and vehicles24-€3k
Current assets29/58€82k€150k▲
Amounts receivable within one year40/41€29k€15k▼
Trade receivables40€28k€15k▼
Other amounts receivable41€213€0▼
Cash at bank and in hand54/58€51k€135k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€82k€154k▲
Equity10/15€48k€114k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€47k€113k▲
Amounts payable17/49€34k€40k▲
Amounts payable within one year42/48€34k€40k▲
Trade debts44€6k€2k▼
Suppliers440/4€6k€2k▼
Taxes, remuneration and social security45€27k€34k▲
Taxes450/3€24k€31k▲
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€859€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€932
Non-recurring operating charges66A-€89
Gross operating margin9900€63k€90k▲
Operating profit (loss)9901€63k€89k▲
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€61k€85k▲
Income taxes67/77€12k€18k▲
Profit (loss) for the period9904€48k€67k▲
Profit (loss) for the period to be appropriated9905€48k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€48k€114k▲
Profit (loss) brought forward from the previous period14P-€47k
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
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
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €114k ▲136%
2 profitable years in a row build equity to €114k.
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Anderlecht · 1 establishment unit since 2024
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.
Cantilenestraat 141070 AnderlechtGround area
157 m²
Building footprint
83 m²
Volume, LiDAR
796 m³
Parcel 21302A0006/00C003, Brussels · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
OSWINNEN CONSULTING
since 20242.358.386.833
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21302A0006/00C003 | Brussels | 157 m² | 1 · 83 m² | 13.9 m · 4 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.
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Of 4,563 companies in sector 74999 we hold annual accounts for 1,938. 1,548 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-03-2024
Fiscal year end31-12
Activities, NACEBEL
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.