OSWHERLU
ActiveFor OSWHERLU, one filing cycle of the annual accounts is missing. The 2024 annual accounts show equity of €14k and a net result of €-8k. Equity is shrinking by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 57% of 3022 sector peers (fiscal year 2024). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
No current score
Figures too old
The available figures for FY 2024 are too old to assess current financial health.
Filing: One filing cycle is missing
Axes, FY 2024 · tick = 2023
Profitability0▼-76
Solvency60▲+13
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sector 93
lower
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
34.7%
Return on assets
-19.8%
Age of the figures
30 mo
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
raises risk · Annual accounts not filed
The financial year that closed on 31-03-2025 was due at the National Bank by 31-10-2025. Nothing is on record, 324 days later.
NBB · 10 filingsPosition against the passed deadline
31-03-2025 close31-10-2025 deadline20-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2024 was due by 31-10-2024 and was filed on 26-10-2024, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
5 d early
2023
10 d early
2022
15 d early
2021
8 d early
2020
4 d early
2019
1 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€14k▼ 50.3%
2023 · €27k
2019: €46k
2020: €63k
2021: €62k
2022: €79k
2023: €27k
2019 → 2024
Total assets
€39k▼ 68.0%
2023 · €122k
2019: €80k
2020: €94k
2021: €120k
2022: €123k
2023: €122k
2019 → 2024
Net result
€-8k
2023 · €7k
2019: €20k
2020: €18k
2021: €-2k
2022: €17k
2023: €7k
2019 → 2024
Working capital
€13k▼ 64.1%
2023 · €38k
2019: €42k
2020: €55k
2021: €78k
2022: €83k
2023: €38k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€63k-€62k▼ 3.0%€79k▲ 28.2%€27k▼ 65.5%€14k▼ 50.3%
Operating result€24k-€-7k€17k€11k▼ 39.0%€-8k
Net result€18k-€-2k€17k€7k▼ 57.8%€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €8k after €11k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €39k
Fixed assets
€923▼ 85.8%
Current assets
€38k▼ 67.0%
Equity and liabilities €39k
Equity
€14k▼ 50.3%
Debt
€25k▼ 73.1%
The debt ratio falls from 77.6% to 65.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-3k▼
2023 · €18k
Cash flow
€-2k▼
2023 · €15k
Solvency
34.7%▲
2023 · 22.4%
Current ratio
1.55▲
2023 · 1.48
Quick ratio
1.55▲
2023 · 1.48
Debt / equity
1.88▼
2023 · 3.47
ROE
-56.9%▼
2023 · 26.9%
ROA
-19.8%▼
2023 · 6.0%
Interest coverage
-21.30▼
2023 · 124.66
Debt
€25k▼
2023 · €95k
Debt ≤ 1 year
€25k▼
2023 · €78k
Income taxes
€2k▼
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€122k€39k▼
Fixed assets21/28€6k€923▼
Tangible fixed assets22/27€6k€0▼
Plant, machinery and equipment23€5k€0▼
Furniture and vehicles24€393€0▼
Financial fixed assets28€923€923=
Current assets29/58€115k€38k▼
Amounts receivable after more than one year29€60k-
Other amounts receivable291€60k-
Amounts receivable within one year40/41€22k€16k▼
Trade receivables40€3k€418▼
Other amounts receivable41€20k€16k▼
Cash at bank and in hand54/58€33k€22k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€122k€39k▼
Equity10/15€27k€14k▼
Contributions10/11€15k€15k=
Reserves13€12k€3k▼
Non-distributable reserves130/1€3k€3k=
Other1319€3k€3k=
Tax-exempt reserves132€620-
Distributable reserves133€9k-
Profit (loss) carried forward14-€-4k
Amounts payable17/49€95k€25k▼
Amounts payable within one year42/48€78k€25k▼
Trade debts44€4k€17k▲
Suppliers440/4€4k€17k▲
Taxes, remuneration and social security45€11€193▲
Taxes450/3€11€193▲
Other amounts payable47/48€74k€8k▼
Accrued charges and deferred income492/3€17k€857▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€717€738▲
Gross operating margin9900€19k€-2k▼
Operating profit (loss)9901€11k€-8k▼
Financial income75/76B-€3k
Recurring financial income75-€3k
Non-recurring financial income76B-€3k
Financial charges65/66B€146€133▼
Recurring financial charges65€146€133▼
Profit (loss) for the period before taxes9903€11k€-6k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€7k€-8k▼
Profit (loss) for the period to be appropriated9905€7k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€-8k▼
Profit (loss) brought forward from the previous period14P€15k-
Transfer from equity791/2€36k€10k▼
Profit to be distributed694/7€59k€6k▼
Return on contributions (dividend)694€59k€6k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
26-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €-8k ▼205%
Net result drops to €-8k, the lowest in the series.
2023
21-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
16-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
2021
23-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2015
30-10
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
7 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, Oostende · 1 establishment unit since 2007
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.
Lijsterbeslaan 618400 OostendeGround area
1,984 m²
Building footprint
376 m²
Volume, LiDAR
2,066 m³
2 parcels, Flanders · tallest building 13.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OSWHERLU
since 20072.163.183.043
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35385B0031/00C010 | Flanders | 1,380 m² | 1 · 211 m² | 13.5 m · 2 fl. |
| 35005B0437/00A000 | Flanders | 604 m² | 1 · 165 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
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.
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Of 3,292 companies in sector 93110 we hold annual accounts for 1,492. 671 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-04-2007
Fiscal year end31-03
Activities, NACEBEL
92611
93110Operation of sports facilities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.