ONSIM
ActiveSummary
ONSIM has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €10.94M and a net result of €172k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 94% of 19357 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability71▲+1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €900k at 30 days acceptable
Liquidity ample (current ratio 1.62 against 1.51 in 2023; short-term debt: 3.5% and cash: 5.4% of total assets), and 5.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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 2024Solvency, return and age of the figures
Solvency
94.5%
Return on assets
1.5%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-06-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
44 d early
2023
33 d early
2022
55 d early
2021
53 d early
2020
5 d early
2019
3 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€10.94M▼ 0.4%
2023 · €10.98M
2018: €5.56M
2019: €4.97M
2020: €10.49M
2021: €10.70M
2022: €10.88M
2023: €10.98M
2018 → 2024
Total assets
€11.57M▼ 0.2%
2023 · €11.60M
2018: €5.86M
2019: €6.00M
2020: €11.63M
2021: €11.68M
2022: €11.61M
2023: €11.60M
2018 → 2024
Net result
€172k▲ 73.3%
2023 · €99k
2018: €268k
2019: €213k
2020: €793k
2021: €204k
2022: €184k
2023: €99k
2018 → 2024
Working capital
€255k▲ 35.2%
2023 · €189k
2018: €383k
2019: €-193k
2020: €935k
2021: €1.20M
2022: €1.46M
2023: €189k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€10.49M-€10.70M▲ 1.9%€10.88M▲ 1.7%€10.98M▲ 0.9%€10.94M▼ 0.4%
Operating result€1.12M-€334k▼ 70.2%€325k▼ 2.7%€168k▼ 48.4%€274k▲ 63.3%
Net result€793k-€204k▼ 74.2%€184k▼ 10.1%€99k▼ 46.0%€172k▲ 73.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 63% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €11.57M
Fixed assets
€10.91M ▼ 1.2%
Current assets
€664k ▲ 18.9%
Equity and liabilities €11.57M
Equity
€10.94M ▼ 0.4%
Provisions
€185k ▼ 6.0%
Debt
€450k ▲ 6.1%
Debt's share of the balance-sheet total rises from 3.7% to 3.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€423k▼
2023 · €456k
Cash flow
€321k▼
2023 · €388k
Current ratio
1.62▲
2023 · 1.51
Debt to equity
0.04▲
2023 · 0.04
ROE
1.6%▲
2023 · 0.9%
ROA
1.5%▲
2023 · 0.9%
Interest coverage
23.87▲
2023 · 21.73
Debt ≤ 1 year
€409k▲
2023 · €369k
Debt > 1 year
€25k▼
2023 · €35k
Income taxes
€98k▲
2023 · €56k
Staff costs
€36k▲
2023 · €16k
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 · 2024 against 2023 · 61 lines
Balance sheet
Code20232024
Assets
Total assets20/58€11.60M€11.57M▼
Fixed assets21/28€11.04M€10.91M▼
Tangible fixed assets22/27€11.04M€10.91M▼
Land and buildings22€10.98M€10.86M▼
Furniture and vehicles24€19k€15k▼
Leasing and similar rights25€43k€34k▼
Current assets29/58€558k€664k▲
Amounts receivable within one year40/41€58k€28k▼
Trade receivables40€24k€26k▲
Other amounts receivable41€34k€2k▼
Cash at bank and in hand54/58€482k€630k▲
Deferred charges and accrued income490/1€19k€5k▼
Equity and liabilities
Total equity and liabilities10/49€11.60M€11.57M▼
Equity10/15€10.98M€10.94M▼
Contributions10/11€940k€940k=
Capital10€920k€920k=
Issued capital100€920k€920k=
Outside capital11€20k€20k=
Share premium1100/10€20k€20k=
Revaluation surpluses12€8.37M€8.37M=
Reserves13€1.66M€1.62M▼
Non-distributable reserves130/1€92k€92k=
Legal reserve130€92k€92k=
Tax-exempt reserves132€590k€555k▼
Distributable reserves133€982k€976k▼
Provisions and deferred taxes16€197k€185k▼
Deferred taxes168€197k€185k▼
Amounts payable17/49€424k€450k▲
Amounts payable after more than one year17€35k€25k▼
Financial debts170/4€35k€25k▼
Amounts payable within one year42/48€369k€409k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€76k€60k▼
Suppliers440/4€76k€60k▼
Taxes, remuneration and social security45€12k€3k▼
Taxes450/3€11k-
Remuneration and social security454/9€1k€3k▲
Other amounts payable47/48€272k€336k▲
Accrued charges and deferred income492/3€20k€16k▼
Income statement
Code20232024
Non-recurring operating income76A€1k-
Remuneration, social security and pensions62€16k€36k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€288k€149k▼
Other operating charges640/8€44k€91k▲
Gross operating margin9900€516k€549k▲
Operating profit (loss)9901€168k€274k▲
Financial income75/76B€746€2k▲
Recurring financial income75€746€2k▲
Financial charges65/66B€21k€18k▼
Recurring financial charges65€21k€18k▼
Profit (loss) for the period before taxes9903€147k€258k▲
Transfer from deferred taxes780€8k€12k▲
Income taxes67/77€56k€98k▲
Profit (loss) for the period9904€99k€172k▲
Transfer from tax-exempt reserves789€24k€36k▲
Profit (loss) for the period to be appropriated9905€123k€207k▲
Appropriation of the result
Profit (loss) to be appropriated9906€123k€207k▲
Transfer from equity791/2-€213k
Transfer to equity691/2€123k€207k▲
To other reserves6921€123k€207k▲
Profit to be distributed694/7-€213k
Return on contributions (dividend)694-€213k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €99k ▼46%
Net result drops to €99k, the lowest in the series; recovery starts the following year.
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €793k ▲273%
Operating result €1.12M, net result €793k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.05
Current ratio from 0.81 to 2.05; short-term debt falls from €1.01M to €889k.
31-12
Financial
Equity above €10MEq €10.49M ▲111%
3 profitable years in a row build equity to €10.49M.
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
21-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Westerlo · 1 establishment unit since 1986
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.
Houtstraat 32260 WesterloGround area
4,548 m²
Building footprint
1,280 m²
Volume, LiDAR
6,923 m³
Parcel 13028C0279/00R000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Houtstraat 3, 2260 Westerlo
since 19862.034.740.591
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13028C0279/00R000 | Flanders | 4,548 m² | 1 · 1,280 m² | 7.7 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.
Similar companies · same sector, comparable size
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Investing and Insurance Company
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Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 2,068 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 formPublic limited company
Founded29-09-1986
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.