Or & Sable
ActiveSummary
Or & Sable has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €58k. Its solvency ranks better than 43% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency77▲+10
Growth78
Track record82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 1.71 in 2024; short-term debt: 47.2% and cash: 23.5% of total assets), and 48% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
52%
Return on assets
42.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
28 d early
2024
9 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€71k▲ 444%
2024 · €13k
2024: €13k
2025: €71k▲ +444% vs 2024
2024 → 2025
Total assets
€136k▲ 335%
2024 · €31k
2024: €31k
2025: €136k▲ +335% vs 2024
2024 → 2025
Net result
€58k▲ 221%
2024 · €18k
2024: €18k
2025: €58k▲ +221% vs 2024
2024 → 2025
Working capital
€27k▲ 110%
2024 · €13k
2024: €13k
2025: €27k▲ +110% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€13k-€71k▲ 444%
2024: €13k
2025: €71k▲ +444% vs 2024
Operating result€23k-€71k▲ 214%
2024: €23k
2025: €71k▲ +214% vs 2024
Net result€18k-€58k▲ 221%
2024: €18k
2025: €58k▲ +221% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 214% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136k
Fixed assets
€45k
Current assets
€92k
Equity and liabilities €136k
Equity
€71k ▲ 444%
Debt
€65k ▲ 257%
Debt's share of the balance-sheet total falls from 58.4% to 48.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€72k
Cash flow
€59k
Current ratio
1.43▼
2024 · 1.71
Debt to equity
0.92▼
2024 · 1.40
ROE
81.6%▼
2024 · 138.3%
ROA
42.5%▼
2024 · 57.6%
Interest coverage
272.83
Debt ≤ 1 year
€64k▲
2024 · €18k
Income taxes
€13k▲
2024 · €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 · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€31k€136k▲
Fixed assets21/28-€45k
Tangible fixed assets22/27-€45k
Furniture and vehicles24-€5k
Other tangible fixed assets26-€40k
Current assets29/58€31k€92k▲
Amounts receivable within one year40/41€6k€60k▲
Trade receivables40€5k€43k▲
Other amounts receivable41€1k€17k▲
Cash at bank and in hand54/58€25k€32k▲
Equity and liabilities
Total equity and liabilities10/49€31k€136k▲
Equity10/15€13k€71k▲
Contributions10/11€2k€2k=
Reserves13-€69k
Distributable reserves133-€69k
Profit (loss) carried forward14€11k€0▼
Amounts payable17/49€18k€65k▲
Amounts payable within one year42/48€18k€64k▲
Trade debts44€2k€30k▲
Suppliers440/4€2k€30k▲
Taxes, remuneration and social security45€5k€13k▲
Taxes450/3€5k€13k▲
Other amounts payable47/48€12k€21k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€627
Other operating charges640/8€2k€527▼
Gross operating margin9900€24k€73k▲
Operating profit (loss)9901€23k€71k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€108€264▲
Recurring financial charges65€108€264▲
Profit (loss) for the period before taxes9903€23k€71k▲
Income taxes67/77€5k€13k▲
Profit (loss) for the period9904€18k€58k▲
Profit (loss) for the period to be appropriated9905€18k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€69k▲
Profit (loss) brought forward from the previous period14P-€11k
Transfer to equity691/2-€69k
To other reserves6921-€69k
Profit to be distributed694/7€7k€0▼
Return on contributions (dividend)694€7k€0▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €627 | - |
| Other operating charges640/8 | €2k | €527 | ▼ 67.2% |
| Gross operating margin9900 | €24k | €73k | ▲ 198% |
| Operating profit (loss)9901 | €23k | €71k | ▲ 214% |
| Financial income75/76B | - | €0 | - |
| Recurring financial income75 | - | €0 | - |
| Financial charges65/66B | €108 | €264 | ▲ 144% |
| Recurring financial charges65 | €108 | €264 | ▲ 144% |
| Profit (loss) for the period before taxes9903 | €23k | €71k | ▲ 214% |
| Income taxes67/77 | €5k | €13k | ▲ 190% |
| Profit (loss) for the period9904 | €18k | €58k | ▲ 221% |
| Profit (loss) for the period to be appropriated9905 | €18k | €58k | ▲ 221% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €31k | €136k | ▲ 335% |
| Fixed assets21/28 | - | €45k | - |
| Tangible fixed assets22/27 | - | €45k | - |
| Furniture and vehicles24 | - | €5k | - |
| Other tangible fixed assets26 | - | €40k | - |
| Current assets29/58 | €31k | €92k | ▲ 193% |
| Amounts receivable within one year40/41 | €6k | €60k | ▲ 848% |
| Trade receivables40 | €5k | €43k | ▲ 745% |
| Other amounts receivable41 | €1k | €17k | ▲ 1,263% |
| Cash at bank and in hand54/58 | €25k | €32k | ▲ 27.6% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €31k | €136k | ▲ 335% |
| Equity10/15 | €13k | €71k | ▲ 444% |
| Contributions10/11 | €2k | €2k | = |
| Reserves13 | - | €69k | - |
| Distributable reserves133 | - | €69k | - |
| Profit (loss) carried forward14 | €11k | €0 | ▼ 100% |
| Amounts payable17/49 | €18k | €65k | ▲ 257% |
| Amounts payable within one year42/48 | €18k | €64k | ▲ 252% |
| Trade debts44 | €2k | €30k | ▲ 1,643% |
| Suppliers440/4 | €2k | €30k | ▲ 1,643% |
| Taxes, remuneration and social security45 | €5k | €13k | ▲ 191% |
| Taxes450/3 | €5k | €13k | ▲ 191% |
| Other amounts payable47/48 | €12k | €21k | ▲ 76.5% |
| Accrued charges and deferred income492/3 | - | €1k | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €18k | €58k | ▲ 221% |
| + Depreciation and write-downs630 | - | €627 | - |
| Operating cash flow (approximation) | €18k | €59k | ▲ 224% |
| Change in cash | - | €7k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Hasselt · 1 establishment unit since 2023
Ground area
228 m²
Building footprint
146 m²
Volume, LiDAR
1,347 m³
Parcel 71022H1052/00E000, Flanders · tallest building 16.0 m, ±4 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Or & Sable
since 20232.353.478.237
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71022H1052/00E000 | Flanders | 228 m² | 1 · 146 m² | 16.0 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 15,535 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.