OSKAR MM
ActiveThe computed 12-month bankruptcy probability of OSKAR MM is 3.0% (moderate). The 2025 annual accounts show negative equity (€-716) and a net result of €-15k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 10% of 10242 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
17
/ 100
Critical▼ -61 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency33▼-19
Growth78=
Stability100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.51 against 1.3 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-10.5%
Return on assets
-215.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€716
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 8 filingsDeviation from the deadline
2025
28 d late
2024
on the day
2023
29 d late
2022
22 d late
2021
30 d late
2020
27 d late
2019
35 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
16-09-2026 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
€-15k
2024 · €15k
2018: €-17k
2019: €-2k
2020: €-3k
2021: €-19k
2022: €6k
2023: €15k
2024: €15k
2018 → 2025
Working capital
€-4k
2024 · €8k
2018: €-14k
2019: €-16k
2020: €-12k
2021: €-29k
2022: €-22k
2023: €-7k
2024: €8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-26k-€-19k▲ 25.2%€-4k▲ 77.8%€11k€-716
Operating result€-19k-€7k€15k▲ 126%€16k▲ 3.2%€-14k
Net result€-19k-€6k€15k▲ 131%€15k▲ 3.3%€-15k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14k after €16k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7k
Fixed assets
€3k=
Current assets
€4k▼ 89.1%
Key figures and ratios
Solvency
-10.5%▼
2024 · 29.1%
Current ratio
0.51▼
2024 · 1.30
Quick ratio
0.51▼
2024 · 1.27
ROA
-215.4%▼
2024 · 40.2%
Debt
€8k▼
2024 · €27k
Debt ≤ 1 year
€8k▼
2024 · €27k
Staff costs
€34k▲
2024 · €26k
Equity ratios withheld: equity of €-716 is too small for a meaningful ratio.
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€38k€7k▼
Fixed assets21/28€3k€3k=
Financial fixed assets28€3k€3k=
Current assets29/58€35k€4k▼
Stocks and contracts in progress3€874-
Stocks30/36€874-
Amounts receivable within one year40/41€4k€4k▼
Trade receivables40€4k€3k▼
Other amounts receivable41€200€329▲
Cash at bank and in hand54/58€30k€57▼
Equity and liabilities
Total equity and liabilities10/49€38k€7k▼
Equity10/15€11k€-716▼
Contributions10/11€16k€19k▲
Capital10€16k€19k▲
Issued capital100€19k€19k=
Uncalled capital101€3k-
Profit (loss) carried forward14€-5k€-19k▼
Amounts payable17/49€27k€8k▼
Amounts payable within one year42/48€27k€8k▼
Trade debts44€5k€5k▲
Suppliers440/4€5k€5k▲
Taxes, remuneration and social security45€6k€2k▼
Taxes450/3€706-
Remuneration and social security454/9€5k€2k▼
Other amounts payable47/48€17k-
Income statement
Code20242025
Remuneration, social security and pensions62€26k€34k▲
Other operating charges640/8€579€591▲
Gross operating margin9900€42k€20k▼
Operating profit (loss)9901€16k€-14k▼
Financial charges65/66B€269€281▲
Recurring financial charges65€269€281▲
Profit (loss) for the period before taxes9903€15k€-15k▼
Profit (loss) for the period9904€15k€-15k▼
Profit (loss) for the period to be appropriated9905€15k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-19k▼
Profit (loss) brought forward from the previous period14P€-20k€-5k▲
The notes to these accounts (1 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €15k ▲3.3%
Operating result €16k, net result €15k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after 4 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
2020
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 35 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brussel · 1 establishment unit since 2018
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.
Laanbrugstraat 51000 BrusselGround area
256 m²
Building footprint
110 m²
Volume, LiDAR
1,526 m³
Parcel 21813D0524/00D018, Brussels · tallest building 16.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
OSKAR MM
since 20182.278.191.686
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21813D0524/00D018 | Brussels | 255 m² | 1 · 110 m² | 16.5 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.
Similar companies · same sector, comparable size
ECLAIR DORE
BE 0464.345.334
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AU CASS'CROUTE BLIEDJ
BE 0782.545.223
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SOFAPA
BE 0721.554.294
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BOULANGERIE RÉGINE
BE 1012.152.537
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BIA FOOD
BE 0804.800.288
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Of 2,380 companies in sector 47241 we hold annual accounts for 1,084. 695 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-05-2018
Fiscal year end31-12
Activities, NACEBEL
47241Retail sale of bread and pastry (bakery outlets)
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.