Osyo
ActiveSummary
The computed 12-month bankruptcy probability of Osyo is 3.2% (moderate). The 2025 annual accounts show equity of €12k and a net result of €5k. Equity is shrinking by ~35.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 27% of 18280 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+52
Solvency32▲+4
Growth32=
Track record94
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.9 against 0.9 in 2024; short-term debt: 38.8% and cash: 2.8% of total assets), and 93.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
6.8%
Return on assets
2.8%
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 01-07-2026, 30 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
30 d early
2024
3 d early
2023
28 d late
2022
31 d late
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▲ 71.7%
2024 · €7k
2022: €30k
2023: €27k
2024: €7k
2022 → 2025
Total assets
€173k▼ 13.7%
2024 · €201k
2022: €248k
2023: €229k
2024: €201k
2022 → 2025
Net result
€5k
2024 · €-21k
2022: €15k
2023: €-3k
2024: €-21k
2022 → 2025
Working capital
€-6k▼ 2.9%
2024 · €-6k
2022: €33k
2023: €24k
2024: €-6k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€30k-€27k▼ 9.4%€7k▼ 75.1%€12k▲ 71.7%
Operating result€25k-€2k▼ 91.3%€-19k€9k
Net result€15k-€-3k€-21k▼ 622%€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €9k after a loss of €19k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €173k
Fixed assets
€113k ▼ 20.3%
Current assets
€61k ▲ 1.8%
Equity and liabilities €173k
Equity
€12k ▲ 71.7%
Debt
€162k ▼ 16.7%
Debt's share of the balance-sheet total falls from 96.6% to 93.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€38k▲
2024 · €7k
Cash flow
€33k▲
2024 · €6k
Current ratio
0.90▼
2024 · 0.90
Quick ratio
0.17▼
2024 · 0.19
Debt to equity
13.77▼
2024 · 28.38
ROE
41.7%▲
2024 · -302.2%
ROA
2.8%▲
2024 · -10.3%
Interest coverage
9.41▲
2024 · 1.70
Debt ≤ 1 year
€67k▲
2024 · €66k
Debt > 1 year
€94k▼
2024 · €128k
Income taxes
€158▲
2024 · €105
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€201k€173k▼
Fixed assets21/28€141k€113k▼
Intangible fixed assets21€113k€90k▼
Tangible fixed assets22/27€27k€20k▼
Land and buildings22€3k€3k▼
Plant, machinery and equipment23€22k€17k▼
Furniture and vehicles24€986€68▼
Financial fixed assets28€2k€2k=
Current assets29/58€60k€61k▲
Stocks and contracts in progress3€47k€49k▲
Stocks30/36€47k€49k▲
Amounts receivable within one year40/41€2k€4k▲
Trade receivables40€153€2k▲
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€7k€5k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€201k€173k▼
Equity10/15€7k€12k▲
Contributions10/11€15k€15k=
Profit (loss) carried forward14€-8k€-3k▲
Amounts payable17/49€194k€162k▼
Amounts payable after more than one year17€128k€94k▼
Financial debts170/4€109k€80k▼
Trade debts175€19k€14k▼
Amounts payable within one year42/48€66k€67k▲
Current portion of amounts payable after more than one year42€33k€34k▲
Trade debts44€26k€30k▲
Suppliers440/4€26k€30k▲
Taxes, remuneration and social security45€7k€3k▼
Taxes450/3€7k€3k▼
Remuneration and social security454/9-€120
Other amounts payable47/48€53€745▲
Accrued charges and deferred income492/3€93-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€29k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-8k€-4k▲
Other operating charges640/8€387€400▲
Gross operating margin9900€102€34k▲
Operating profit (loss)9901€-19k€9k▲
Financial income75/76B€3k€126▼
Recurring financial income75€3k€126▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€-21k€5k▲
Income taxes67/77€105€158▲
Profit (loss) for the period9904€-21k€5k▲
Profit (loss) for the period to be appropriated9905€-21k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-3k▲
Profit (loss) brought forward from the previous period14P€12k€-8k▼
The notes to these accounts (12 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-21k
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
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, Watermaal-Bosvoorde · 1 establishment unit since 2021
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.
Eugène Keymplein 771170 Watermaal-BosvoordeGround area
2,374 m²
Parcel 21017D0156/00P002, Brussels. Linked by address, not a title deed.
1 establishment unit
Opticien Guy Mauroit
since 20212.326.350.901
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21017D0156/00P002 | Brussels | 2,374 m² | - | - |
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
OPTIEK PLESSERS
BE 0895.215.176
Bree · Eq €11,691
FES OPTIQUE
BE 0766.738.181
Ukkel · Eq €11,795
OPTIQUE GERARD
BE 0648.971.372
Anhée · Eq €11,905
OPTIEK KOEN DUPON
BE 0848.393.672
Roeselare · Eq €11,975
LIGNE CLAIRE
BE 0458.847.711
Leuze-en-Hainaut · Eq €11,449
Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 531 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:opticienguymauroit@gmail.com
Phone:+32476961585
Phone:0476961585