OSTTA · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of OSTTA is 2.1% (moderate). The 2023 annual accounts show equity of €56k and a net result of €11k. Equity is growing by ~45% per year across the filed fiscal years. Its solvency ranks better than 86% of 5714 sector peers (fiscal year 2023). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.

Signals

3 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 86% of 5714 peers (2023). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2022 and 2023).

View the result trend

Growing equity

Equity grew over 2021-2023. Profits are largely retained rather than distributed.

View the equity 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

Annual accounts not filed

The financial year that closed on 31-12-2024 was due at the National Bank by 31-07-2025. Nothing is on record today, 378 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.

Filed more than 90 days late

The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 29-12-2024, 151 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

How we compute the deadline

The year end is derived from 8 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 31-12-2023, that is 31-07-2024.

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	nothing on record	not filed	-
31-12-2023	31-07-2024	29-12-2024	151 d late	2024-00626433
31-12-2022	31-07-2023	31-12-2023	153 d late	2024-00540647
31-12-2021	31-07-2022	25-07-2022	6 d early	2022-20222943
31-12-2020	31-07-2021	30-07-2021	1 d early	2021-44600036
31-12-2019	31-07-2020	02-10-2020	63 d late	2020-58700020
31-12-2018	31-07-2019	19-08-2019	19 d late	2019-47800231
31-12-2017	31-07-2018	10-08-2018	10 d late	2018-45100288
31-12-2016	31-07-2017	18-07-2017	13 d early	2017-32800234

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 2016, 10 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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.1% Moderate

0%0,5%1,5%4%10%≥25%

Higher-failure-rate region +Higher-failure-rate sector +Annual accounts: weaker financial profile +

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

Financials

Turnover€189k

EBIT margin6.2%

Net result€11k+7.5%

Working capital€36k+76.1%

CSV export

Annual accounts & ratios

Source: NBB · 2023

Annual accounts filed on 29-12-2024 with the NBB · fiscal year 2023 · micro

RevenueOperating resultNet result

Trajectory (indicative)

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

growing Equity: growth of ~45%/year over 6 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).

Sector comparison

Fiscal year 2023 · NACE 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	66.7%	20.1%	better than 86% of 5714 sector peers
Net result	€11k	€3k	better than 66% of 5694 sector peers
Equity	€56k	€15k	better than 76% of 5721 sector peers
Gross operating margin	€34k	€23k	better than 58% of 5668 sector peers
Staff costs	€13k	€33k	higher than 29% of 2551 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P86

Stable position over 2020-2023 · n=1365-5714

Net result P66

Stable position over 2020-2023 · n=1361-5694

Equity P76

Improving position over 2020-2023 · n=1367-5721

Gross operating margin P58

Stable position over 2020-2023 · n=1356-5668

Describes the position versus peers, not a forecast.

Revenue

€189k

- 18-23

EBITDA

€20k

+71.7% 18-23

Net profit

€11k

+7.5% 18-23

Cash flow

€16k

+48.2% 18-23

Total assets

€84k

-3.0% 18-23

Equity

€56k

+25.4% 18-23

Working capital

€36k

+76.1% 18-23

Staff costs

€13k

+51.9% 18-23

Income taxes

€4k

+277.2% 18-23

Debt

€28k

-33.3% 18-23

Debt ≤ 1y

€28k

-33.3% 18-23

Current ratio

2.30

+54.1% 18-23

Quick ratio

2.12

+53.1% 18-23

Solvency

66.7%

+29.3% 18-23

Debt / equity

0.50

-46.8% 18-23

ROE

20.2%

-14.3% 18-23

ROA

13.5%

+10.8% 18-23

Net margin

5.6%

- 18-23

EBITDA margin

6.2%

- 18-23

Interest coverage

25.34

-54.0% 18-23

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2023
Deposit	micro
Revenue	-
EBITDA	€20k
Net profit	€11k
Cash flow	€16k
Staff costs	€13k
Income taxes	€4k
Dividends	-
Total assets	€84k
Equity	€56k
Debt	€28k
of which ≤ 1y	€28k
of which > 1y	-
Working capital	€36k
Employees (FTE)	-

Ratios (computed)

	2023
Current ratio	2.30
Quick ratio	2.12
Working capital ratio	43.3%
Solvency	66.7%
Debt / equity	0.50
Long-term debt ratio	-
Interest coverage	25.34
Gross margin	-
Net margin	-
ROA	13.5%
ROE	20.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2023

Assets

Fixed assets €20k · 23.4% Current assets €64k · 76.6%

Equity & liabilities

Equity €56k · 66.7% Debt €28k · 33.3%

Full annual accounts

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

Line item	Code	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€84k
Fixed assets	21/28	€20k
Tangible fixed assets	22/27	€17k
Financial fixed assets	28	€2k
Current assets	29/58	€64k
Stocks & contracts in progress	3	€5k
Amounts receivable within one year	40/41	€4k
Cash & bank	54/58	€55k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€84k
Equity	10/15	€56k
Contributions / capital	10/11	€19k
Accumulated profits (losses)	14	€37k
Amounts payable	17/49	€28k
Amounts payable within one year	42/48	€28k
Trade debts payable within one year	44	€20k
Income statement
Gross operating margin	9900	€34k
Operating result	9901	€16k
Financial charges	65	€800
Result before taxes	9903	€15k
Income taxes	67/77	€4k
Net result for the period	9904	€11k
Result to be appropriated	9905	€11k

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 2023 · computed

100 / 100 Excellent

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 from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2023. 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.

Generaal Lartiguelaan 71200 Sint-Lambrechts-Woluwe

Establishment units

1 location

KROSS

Groenstraat 57, 1930 ZaventemHandelsbemiddeling in de groothandel in voedings- en genotmiddelen

since 20162.249.259.952

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

Parcels2

Ground area254 m²

Buildings2

Building footprint146 m²

Volume (LiDAR)1,163 m³

Tallest building14.2 m · ±3 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.

Flanders 1 (50%) Brussels 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21673D0089/00Y007	Brussels	171 m²	1 · 63 m²	14.2 m · 3 fl.
23094A0286/00M010	Flanders	83 m²	1 · 83 m²	9.6 m · 2 fl.

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

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

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

Address history · 1

24-04-2024

Registered-office move

All acts · 1 updated 2 years ago

2024

24-04-2024 Registered office moved to Woluwe-Saint-Lambert Registered-office change·Samuel WYNANT

1200 Woluwe-Saint-Lambert, Avenue Général Lartigue 7

Notary: Samuel WYNANT · BruxellesFirm: Van Halteren, Notaires Associés

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

96 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 100

Solvency 100

Growth 78

Stability 100

Ask AI about this company

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

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We hold annual accounts for 1,627 of the 10,430 companies in this sector. 1,338 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 100 m² en minder dan 400 m²)47113Detailhandel in dranken in gespecialiseerde winkels, algemeen assortiment47252Detailhandel in dranken, algemeen assortiment47252Detailhandel in tabaksproducten in gespecialiseerde winkels47260Detailhandel in tabaksproducten47260

Primary activity highlighted.

Names & trade names

Legal nameFR

OSTTA

Registered office

Generaal Lartiguelaan 7

1200 Sint-Lambrechts-Woluwe, Belgium

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