OTR
ActiveOTR has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €30k. Equity is shrinking by ~24.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 23% of 7683 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
73
/ 100
Healthy▲ +10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency22▼-16
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.01 against 0.88 in 2024), and 84% 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 · 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 82
Relative position
BE, all sectors
reference
Sector 82
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
16%
Return on assets
97.4%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 7683 sector peers (2025).
NBB · sector comparisonPosition among 7683 sector peers
Solvency
better than 23%
← weakest
strongest →
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 11-04-2026, 111 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
111 d early
2024
52 d early
2023
39 d early
2022
43 d early
2021
3 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k=
2024 · €5k
2021: €32k
2022: €39k
2023: €49k
2024: €5k
2021 → 2025
Total assets
€31k▲ 64.3%
2024 · €19k
2021: €58k
2022: €67k
2023: €60k
2024: €19k
2021 → 2025
Net result
€30k▲ 61.9%
2024 · €19k
2021: €28k
2022: €8k
2023: €9k
2024: €19k
2021 → 2025
Working capital
€324
2024 · €-2k
2021: €31k
2022: €29k
2023: €40k
2024: €-2k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€39k▲ 22.2%€49k▲ 23.5%€5k▼ 89.7%€5k=
Operating result€36k-€12k▼ 65.9%€15k▲ 20.2%€29k▲ 96.5%€42k▲ 45.8%
Net result€28k-€8k▼ 71.6%€9k▲ 16.1%€19k▲ 103%€30k▲ 61.9%
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 46% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31k
Fixed assets
€5k▼ 29.6%
Current assets
€27k▲ 115%
Equity and liabilities €31k
Equity
€5k=
Debt
€26k▲ 87.2%
The debt ratio rises from 73.7% to 84.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€44k▲
2024 · €31k
Cash flow
€32k▲
2024 · €21k
Solvency
16.0%▼
2024 · 26.3%
Current ratio
1.01▲
2024 · 0.88
Quick ratio
1.01▲
2024 · 0.88
Debt / equity
5.25▲
2024 · 2.81
ROE
609.4%▲
2024 · 376.4%
ROA
97.4%▼
2024 · 98.9%
Interest coverage
226.30▲
2024 · 145.68
Debt
€26k▲
2024 · €14k
Debt ≤ 1 year
€26k▲
2024 · €14k
Income taxes
€12k▲
2024 · €10k
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€19k€31k▲
Fixed assets21/28€7k€5k▼
Tangible fixed assets22/27€7k€5k▼
Land and buildings22€569€247▼
Furniture and vehicles24€6k€4k▼
Current assets29/58€12k€27k▲
Amounts receivable within one year40/41€8k€11k▲
Trade receivables40€8k€11k▲
Cash at bank and in hand54/58€4k€16k▲
Deferred charges and accrued income490/1€555€323▼
Equity and liabilities
Total equity and liabilities10/49€19k€31k▲
Equity10/15€5k€5k=
Contributions10/11€5k€5k=
Amounts payable17/49€14k€26k▲
Amounts payable within one year42/48€14k€26k▲
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€5k€6k▲
Other amounts payable47/48€7k€16k▲
Accrued charges and deferred income492/3€7-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€387€400▲
Gross operating margin9900€31k€45k▲
Operating profit (loss)9901€29k€42k▲
Financial charges65/66B€212€195▼
Recurring financial charges65€212€195▼
Profit (loss) for the period before taxes9903€29k€42k▲
Income taxes67/77€10k€12k▲
Profit (loss) for the period9904€19k€30k▲
Profit (loss) for the period to be appropriated9905€19k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€30k▼
Profit (loss) brought forward from the previous period14P€44k-
Profit to be distributed694/7€62k€30k▼
Return on contributions (dividend)694€62k€30k▼
The notes to these accounts (4 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
07-07
State Gazette act
Incorporation · Founder
Founding capital · Corporate purpose
11-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €30k ▲61.9%
Operating result €42k, net result €30k, both a record.
09-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 4.41
Current ratio from 2.07 to 4.41; short-term debt falls from €27k to €12k.
18-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €8k ▼71.6%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Leuven · 1 establishment unit since 2020
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.
Ijzerenmolenstraat 1243001 LeuvenGround area
5,043 m²
Building footprint
1,098 m²
Volume, LiDAR
20,866 m³
2 parcels, Flanders · tallest building 22.5 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
OTR
since 20202.298.314.337
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24505F0511/00L000 | Flanders | 4,716 m² | 1 · 1,020 m² | 22.5 m · 7 fl. |
| 24432D0088/00Z000 | Flanders | 327 m² | 1 · 77 m² | 10.7 m · 2 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.
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Of 24,420 companies in sector 82990 we hold annual accounts for 9,359. 3,116 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2020
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.