OTRA UP
ActiveThe computed 12-month bankruptcy probability of OTRA UP is 2.4% (moderate). The 2025 annual accounts show equity of €13k and a net result of €672. Equity is growing by ~34.2% per year across the filed fiscal years. Its solvency ranks better than 40% of 2152 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-15
Solvency54▼-2
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.37 against 1.44 in 2024; short-term debt: 71.4% and cash: 22.2% of total assets), and 71.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-09-2026, 41 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 · 3 filingsDeviation from the deadline
2025
41 d late
2024
26 d late
2023
57 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€13k▲ 5.6%
2024 · €12k
2023: €4k
2024: €12k
2023 → 2025
Total assets
€44k▲ 13.2%
2024 · €39k
2023: €31k
2024: €39k
2023 → 2025
Net result
€672▼ 91.0%
2024 · €7k
2023: €1k
2024: €7k
2023 → 2025
Working capital
€12k▼ 3.6%
2024 · €12k
2023: €4k
2024: €12k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€4k-€12k▲ 168%€13k▲ 5.6%
Operating result€2k-€10k▲ 308%€1k▼ 87.6%
Net result€1k-€7k▲ 415%€672▼ 91.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 88% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €44k
Fixed assets
€1k
Current assets
€43k
Equity and liabilities €44k
Equity
€13k▲ 5.6%
Debt
€32k▲ 16.5%
The debt ratio rises from 69.4% to 71.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€2k
Cash flow
€1k
Solvency
28.6%▼
2024 · 30.6%
Current ratio
1.37▼
2024 · 1.44
Quick ratio
0.98▼
2024 · 1.44
Debt / equity
2.50▲
2024 · 2.26
ROE
5.3%▼
2024 · 62.7%
ROA
1.5%▼
2024 · 19.2%
Interest coverage
25.34
Debt
€32k▲
2024 · €27k
Debt ≤ 1 year
€32k▲
2024 · €27k
Income taxes
€526▼
2024 · €2k
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€39k€44k▲
Fixed assets21/28-€1k
Tangible fixed assets22/27-€1k
Furniture and vehicles24-€1k
Current assets29/58€39k€43k▲
Stocks and contracts in progress3-€12k
Stocks30/36-€12k
Amounts receivable within one year40/41€22k€21k▼
Trade receivables40€1k€9k▲
Other amounts receivable41€20k€11k▼
Cash at bank and in hand54/58€17k€10k▼
Deferred charges and accrued income490/1€648€651▲
Equity and liabilities
Total equity and liabilities10/49€39k€44k▲
Equity10/15€12k€13k▲
Contributions10/11€3k€3k=
Outside capital11€3k€3k=
Other1109/19€3k€3k=
Profit (loss) carried forward14€9k€10k▲
Amounts payable17/49€27k€32k▲
Amounts payable within one year42/48€27k€32k▲
Trade debts44€17k€13k▼
Suppliers440/4€17k€13k▼
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€8k€15k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€353
Gross operating margin9900€10k€2k▼
Operating profit (loss)9901€10k€1k▼
Financial income75/76B-€79
Recurring financial income75-€79
Financial charges65/66B€43€61▲
Recurring financial charges65€43€61▲
Profit (loss) for the period before taxes9903€9k€1k▼
Income taxes67/77€2k€526▼
Profit (loss) for the period9904€7k€672▼
Profit (loss) for the period to be appropriated9905€7k€672▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€10k▲
Profit (loss) brought forward from the previous period14P€1k€9k▲
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
10-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 41 days late
2025
31-12
Financial
Weakest financial yearnet €672 ▼91%
Net result drops to €672, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Highest result since 2023net €7k ▲415%
Operating result €10k, net result €7k, both a record.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ans · 1 establishment unit since 2022
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.
Rue Walthère Jamar 1704430 AnsGround area
645 m²
Building footprint
223 m²
Volume, LiDAR
1,312 m³
Parcel 62003A0852/00A002, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OTRA UP
since 20222.338.119.573
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62003A0852/00A002 | Wallonia | 645 m² | 1 · 223 m² | 8.2 m · 2 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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BE 1005.743.312
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SANG NEUF
BE 0464.465.395
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GMS CONSTRUCTION
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RENO RAM
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Of 29,810 companies in sector 41001 we hold annual accounts for 16,032. 10,112 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.