Otter
ActiveOtter has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €33k. Its solvency ranks better than 68% of 16942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency100
Growth-
Track record67
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 4.03; short-term debt: 24.6% and cash: 47.2% of total assets), and 24.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
75.4%
Return on assets
69.1%
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 20-07-2026, 11 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
11 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€36k
Total assets
€48k
Net result
€33k
Working capital
€36k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €48k
Equity
€36k
Debt
€12k
Debt finances 24.6% of the balance-sheet total.
Key figures and ratios
EBITDA
€43k
Cash flow
€34k
Solvency
75.4%
Current ratio
4.03
Quick ratio
4.03
Debt / equity
0.33
ROE
91.7%
ROA
69.1%
Interest coverage
43.22
Debt
€12k
Debt ≤ 1 year
€12k
Income taxes
€9k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€48k
Formation expenses20€377
Current assets29/58€48k
Amounts receivable within one year40/41€25k
Trade receivables40€25k
Cash at bank and in hand54/58€23k
Deferred charges and accrued income490/1€70
Equity and liabilities
Total equity and liabilities10/49€48k
Equity10/15€36k
Contributions10/11€3k
Reserves13€33k
Distributable reserves133€33k
Amounts payable17/49€12k
Amounts payable within one year42/48€12k
Trade debts44€950
Suppliers440/4€950
Taxes, remuneration and social security45€9k
Taxes450/3€9k
Other amounts payable47/48€2k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€375
Other operating charges640/8€50
Gross operating margin9900€43k
Operating profit (loss)9901€43k
Financial income75/76B€2
Recurring financial income75€2
Financial charges65/66B€1k
Recurring financial charges65€1k
Profit (loss) for the period before taxes9903€42k
Income taxes67/77€9k
Profit (loss) for the period9904€33k
Profit (loss) for the period to be appropriated9905€33k
Appropriation of the result
Profit (loss) to be appropriated9906€33k
Transfer to equity691/2€33k
To other reserves6921€33k
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
2026
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Mortsel · 1 establishment unit since 2025
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.
Antwerpsestraat 1512640 MortselGround area
87 m²
Building footprint
87 m²
Volume, LiDAR
1,222 m³
Parcel 11513C0011/00D012, Flanders · tallest building 15.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Otter
since 20252.376.372.118
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11513C0011/00D012 | Flanders | 87 m² | 1 · 87 m² | 15.8 m · 5 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 29,997 companies in sector 62200 we hold annual accounts for 18,386. 14,773 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-2025
Fiscal year end31-12
Activities, NACEBEL
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress 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.