OST IMMO · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of OST IMMO is 2.6% (moderate). The 2024 annual accounts show negative equity (€-17k) and a net result of €8k. Equity is growing by ~14.9% per year across the filed fiscal years. The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.6% Moderate

0%0,5%1,5%4%10%≥25%

No NACE activity registered +Higher-failure-rate region +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 11 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-06-2025, 50 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	11-06-2025	50 d early	2025-00130923
31-12-2023	31-07-2024	18-07-2024	13 d early	2024-00256293
31-12-2022	31-07-2023	24-05-2023	68 d early	2023-00092845
31-12-2021	31-07-2022	09-06-2022	52 d early	2022-20052812
31-12-2020	31-07-2021	05-07-2021	26 d early	2021-30000196
31-12-2019	31-07-2020	25-05-2020	67 d early	2020-12700537
31-12-2018	31-07-2019	21-05-2019	71 d early	2019-13500452
31-12-2017	31-07-2018	15-06-2018	46 d early	2018-18400236
31-12-2016	31-07-2017	22-05-2017	70 d early	2017-12600476
31-12-2015	31-07-2016	23-05-2016	69 d early	2016-12700235

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2014, 12 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€8k-16.9%

Working capital€-286k-2.6%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 11-06-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~14.9%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

EBITDA

€30k

-7.0% 18-24

Net profit

€8k

-16.9% 18-24

Cash flow

€23k

-6.5% 18-24

Total assets

€410k

-4.5% 18-24

Equity

€-17k

+31.1% 18-24

Working capital

€-286k

-2.6% 18-24

Debt

€427k

-6.0% 18-24

Debt ≤ 1y

€316k

+0.9% 18-24

Debt > 1y

€110k

-21.4% 18-24

Current ratio

0.10

-14.0% 18-24

Quick ratio

0.10

-14.0% 18-24

Solvency

-4.2%

+27.8% 18-24

Debt / equity

-25.09

-36.4% 18-24

ROE

-45.0%

-20.5% 18-24

ROA

1.9%

-12.9% 18-24

Interest coverage

3.87

+1.6% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€30k
Net profit	€8k
Cash flow	€23k
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€410k
Equity	€-17k
Debt	€427k
of which ≤ 1y	€316k
of which > 1y	€110k
Working capital	€-286k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	0.10
Quick ratio	0.10
Working capital ratio	-69.8%
Solvency	-4.2%
Debt / equity	-25.09
Long-term debt ratio	-6.44
Interest coverage	3.87
Gross margin	-
Net margin	-
ROA	1.9%
ROE	-45.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €380k · 92.6% Current assets €30k · 7.4%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€410k
Fixed assets	21/28	€380k
Tangible fixed assets	22/27	€379k
Financial fixed assets	28	€321
Current assets	29/58	€30k
Amounts receivable within one year	40/41	€0
Cash & bank	54/58	€20k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€410k
Equity	10/15	€-17k
Contributions / capital	10/11	€19k
Accumulated profits (losses)	14	€-36k
Amounts payable	17/49	€427k
Amounts payable after one year	17	€110k
Amounts payable within one year	42/48	€316k
Trade debts payable within one year	44	€502
Income statement
Gross operating margin	9900	€37k
Operating result	9901	€16k
Financial charges	65	€8k
Result before taxes	9903	€8k
Net result for the period	9904	€8k
Result to be appropriated	9905	€8k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

8 / 100 Critical

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Louizalaan 1491050 Elsene

Establishment units

1 location

OST Immo

Louizalaan 149, 1050 ElseneHandel in eigen onroerend goed

since 20142.233.535.757

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area3,879 m²

Buildings1

Building footprint2,740 m²

Volume (LiDAR)103,051 m³

Tallest building101.4 m · ±7 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21807G0089/00D007 ProtectedMonumentHuis Wielemans en tuinSource ↗	Brussels	3,879 m²	1 · 2,740 m²	101.4 m · 7 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

All acts · 1 updated 1 year ago

2025

19-03-2025 Change in the board of directors Director changes·Hervé BEHAEGEL

Notary: Hervé BEHAEGEL · Saint-Gilles

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

44 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 8

Profitability 0

Solvency 33

Growth 78

Stability 100

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Credit advice

verdict per customer and amount

Company registry

Company registry (CBE)

Crossroads Bank

Names & trade names

Legal nameFR

OST IMMO

Registered office

Louizalaan 149 bus 24

1050 Elsene, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.