O'Belar
ActiveThe computed 12-month bankruptcy probability of O'Belar is 5.0% (elevated). The 2025 annual accounts show equity of €230k and a net result of €210k. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 48% of 3616 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
78
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency45▼-1
Growth78=
Stability100
Bankruptcy probability, 12 months
5.0%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity tight (current ratio 1.1 against 1.17 in 2024), and 72.6% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
27.4%
Return on assets
24.9%
Age of the figures
8 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 24-07-2026, 7 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
7 d early
2024
8 d early
2023
61 d late
2022
3 d early
2021
151 d late
2020
129 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€210k▼ 31.0%
2024 · €304k
2020: €13k
2021: €139k
2022: €136k
2023: €90k
2024: €304k
2020 → 2025
Working capital
€59k▼ 34.1%
2024 · €89k
2020: €-64k
2021: €113k
2022: €94k
2023: €36k
2024: €89k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€206k-€200k▼ 2.6%€178k▼ 10.9%€221k▲ 23.6%€230k▲ 4.3%
Operating result€150k-€152k▲ 1.7%€101k▼ 33.7%€376k▲ 272%€288k▼ 23.4%
Net result€139k-€136k▼ 1.8%€90k▼ 34.1%€304k▲ 238%€210k▼ 31.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €840k
Fixed assets
€194k▼ 2.2%
Current assets
€646k▲ 5.2%
Equity and liabilities €840k
Equity
€230k▲ 4.3%
Debt
€610k▲ 3.1%
The debt ratio falls from 72.8% to 72.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€337k▼
2024 · €432k
Cash flow
€259k▼
2024 · €360k
Solvency
27.4%▲
2024 · 27.2%
Current ratio
1.10▼
2024 · 1.17
Quick ratio
1.05▼
2024 · 1.12
Debt / equity
2.65▼
2024 · 2.68
ROE
91.1%▼
2024 · 137.6%
ROA
24.9%▼
2024 · 37.4%
Interest coverage
44.92▼
2024 · 109.69
Debt
€610k▲
2024 · €592k
Debt ≤ 1 year
€587k▲
2024 · €525k
Debt > 1 year
€23k▼
2024 · €67k
Income taxes
€71k▼
2024 · €81k
Staff costs
€507k▲
2024 · €422k
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€812k€840k▲
Fixed assets21/28€198k€194k▼
Intangible fixed assets21€19k€50k▲
Tangible fixed assets22/27€180k€144k▼
Plant, machinery and equipment23€12k€6k▼
Furniture and vehicles24€14k€8k▼
Other tangible fixed assets26€153k€130k▼
Financial fixed assets28-€225
Current assets29/58€614k€646k▲
Amounts receivable after more than one year29€80k-
Other amounts receivable291€80k-
Stocks and contracts in progress3€27k€29k▲
Stocks30/36€27k€29k▲
Amounts receivable within one year40/41€40k€300k▲
Trade receivables40€18k€119k▲
Other amounts receivable41€22k€181k▲
Cash at bank and in hand54/58€446k€318k▼
Deferred charges and accrued income490/1€20k-
Equity and liabilities
Total equity and liabilities10/49€812k€840k▲
Equity10/15€221k€230k▲
Contributions10/11€20k€20k=
Outside capital11€20k€20k=
Other1109/19€20k€20k=
Profit (loss) carried forward14€201k€210k▲
Amounts payable17/49€592k€610k▲
Amounts payable after more than one year17€67k€23k▼
Financial debts170/4€67k€23k▼
Amounts payable within one year42/48€525k€587k▲
Current portion of amounts payable after more than one year42€43k€87k▲
Trade debts44€114k€160k▲
Suppliers440/4€114k€160k▲
Taxes, remuneration and social security45€110k€54k▼
Taxes450/3€66k-
Remuneration and social security454/9€45k€54k▲
Other amounts payable47/48€257k€287k▲
Income statement
Code20242025
Remuneration, social security and pensions62€422k€507k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€49k▼
Other operating charges640/8€2k€9k▲
Gross operating margin9900€856k€854k▼
Operating profit (loss)9901€376k€288k▼
Financial income75/76B€12k-
Recurring financial income75€12k-
Financial charges65/66B€4k€8k▲
Recurring financial charges65€4k€8k▲
Profit (loss) for the period before taxes9903€384k€281k▼
Income taxes67/77€81k€71k▼
Profit (loss) for the period9904€304k€210k▼
Profit (loss) for the period to be appropriated9905€304k€210k▼
Appropriation of the result
Profit (loss) to be appropriated9906€451k€410k▼
Profit (loss) brought forward from the previous period14P€147k€201k▲
Profit to be distributed694/7€250k€200k▼
Return on contributions (dividend)694€200k€200k=
Directors or managers695€50k-
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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €304k ▲238%
Operating result €376k, net result €304k, both a record.
31-12
Financial
Equity above €200kEq €221k ▲23.6%
5 profitable years in a row build equity to €221k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 151 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 1.96
Current ratio from 0.61 to 1.96; short-term debt falls from €166k to €118k.
31-12
Financial
Equity above €200kEq €206k ▲162%
2 profitable years in a row build equity to €206k.
07-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 129 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, Sint-Jans-Molenbeek · 1 establishment unit since 2019
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.
Alphonse Vandenpeereboomstraat 1601080 Sint-Jans-MolenbeekGround area
2,546 m²
Building footprint
2,010 m²
Volume, LiDAR
56,742 m³
Parcel 21523B0905/00B011, Brussels · tallest building 64.4 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
O'Belar
since 20192.295.330.794
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21523B0905/00B011 | Brussels | 2,546 m² | 1 · 2,010 m² | 64.4 m · 6 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Jans-Molenbeek2.295.330.794
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Of 20,232 companies in sector 56111 we hold annual accounts for 11,312. 8,151 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-09-2019
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
56220Contract catering and other food service activities
56290Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:ahmed.arbia@hotmail.com