O.C.C.
ActiveSummary
O.C.C. has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €147k and a net result of €5k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 85% of 15869 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability73▲+1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 3.04 against 2.53 in 2023; short-term debt: 14.3% and cash: 0.7% of total assets), and 17% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-09-2025, 49 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
49 d late
2023
31 d late
2022
90 d late
2021
143 d late
2020
31 d late
2019
53 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€147k▲ 3.9%
2023 · €141k
2019: €65k
2020: €104k
2021: €133k
2022: €138k
2023: €141k
2019 → 2024
Total assets
€177k▲ 9.0%
2023 · €162k
2019: €168k
2020: €134k
2021: €166k
2022: €160k
2023: €162k
2019 → 2024
Net result
€5k▲ 49.8%
2023 · €4k
2019: €166k
2020: €39k
2021: €29k
2022: €5k
2023: €4k
2019 → 2024
Working capital
€51k▲ 60.2%
2023 · €32k
2019: €-49k
2020: €-18k
2021: €11k
2022: €19k
2023: €32k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€104k-€133k▲ 28.0%€138k▲ 3.4%€141k▲ 2.6%€147k▲ 3.9%
Operating result€39k-€30k▼ 23.5%€7k▼ 76.5%€8k▲ 21.8%€11k▲ 24.7%
Net result€39k-€29k▼ 24.7%€5k▼ 84.4%€4k▼ 20.1%€5k▲ 49.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 25% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €177k
Fixed assets
€100k ▼ 8.3%
Current assets
€77k ▲ 44.6%
Equity and liabilities €177k
Equity
€147k ▲ 3.9%
Debt
€30k ▲ 43.4%
Debt's share of the balance-sheet total rises from 12.9% to 17.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€21k▲
2023 · €18k
Cash flow
€15k▲
2023 · €13k
Current ratio
3.04▲
2023 · 2.53
Debt to equity
0.20▲
2023 · 0.15
ROE
3.7%▲
2023 · 2.6%
ROA
3.1%▲
2023 · 2.2%
Interest coverage
23.38▼
2023 · 127.89
Debt ≤ 1 year
€25k▲
2023 · €21k
Debt > 1 year
€5k▲
2023 · €0
Income taxes
€4k▼
2023 · €5k
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 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€162k€177k▲
Fixed assets21/28€109k€100k▼
Tangible fixed assets22/27€108k€99k▼
Land and buildings22€102k€95k▼
Furniture and vehicles24€6k€4k▼
Financial fixed assets28€1k€1k=
Current assets29/58€53k€77k▲
Amounts receivable within one year40/41€51k€74k▲
Trade receivables40-€4k
Other amounts receivable41€51k€70k▲
Cash at bank and in hand54/58€307€1k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€162k€177k▲
Equity10/15€141k€147k▲
Contributions10/11€124k€124k=
Capital10€124k€124k=
Issued capital100€124k€124k=
Reserves13€4k€4k▲
Non-distributable reserves130/1€4k€4k▲
Legal reserve130€4k€4k▲
Profit (loss) carried forward14€14k€19k▲
Amounts payable17/49€21k€30k▲
Amounts payable after more than one year17€0€5k▲
Financial debts170/4€0€5k▲
Amounts payable within one year42/48€21k€25k▲
Current portion of amounts payable after more than one year42€437€5k▲
Trade debts44€177€3k▲
Suppliers440/4€177€3k▲
Taxes, remuneration and social security45€9k€9k▲
Taxes450/3€9k€9k▲
Other amounts payable47/48€11k€8k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▲
Other operating charges640/8€732€559▼
Gross operating margin9900€19k€21k▲
Operating profit (loss)9901€8k€11k▲
Financial income75/76B€300€0▼
Recurring financial income75€300€0▼
Financial charges65/66B€143€879▲
Recurring financial charges65€143€879▲
Profit (loss) for the period before taxes9903€9k€10k▲
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€4k€5k▲
Profit (loss) for the period to be appropriated9905€4k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€19k▲
Profit (loss) brought forward from the previous period14P€10k€14k▲
Transfer to equity691/2-€273
To the legal reserve6920-€273
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €4k ▼20.1%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
29-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 90 days late
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 143 days late
2021
31-12
Financial
Liquidity quadruplescurrent ratio 1.39
Current ratio from 0.40 to 1.39; short-term debt falls from €30k to €27k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €100kEq €104k ▲59.1%
2 profitable years in a row build equity to €104k.
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Ganshoren · 1 establishment unit since 1989
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.
Privilegiënsquare 111083 GanshorenGround area
500 m²
Building footprint
296 m²
Volume, LiDAR
2,289 m³
2 parcels, Brussels · tallest building 17.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bergense Steenweg 137, 1070 Anderlecht
since 19892.044.632.316
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21008A0286/00A002 | Brussels | 268 m² | 1 · 64 m² | 12.0 m · 3 fl. |
| 21304B0138/00A008 | Brussels | 231 m² | 1 · 232 m² | 17.0 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.
Similar companies · same sector, comparable size
BDM Trucks
BE 0797.136.892
Genk · Eq €146,496
E-G CAR'S
BE 0660.999.867
Bertrix · Eq €146,274
L.L.MOTORS
BE 1016.060.053
Les Bons Villers · Eq €146,070
Perfect Rent
BE 0889.550.871
Geel · Eq €145,970
AB AUTO
BE 0445.356.197
Putte · Eq €147,983
Of 2,128 companies in sector 46711 we hold annual accounts for 1,126. 754 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
Founded28-08-1989
Fiscal year end31-12
Activities, NACEBEL 2025
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46412Wholesale of household textiles and bedding
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.