C&O
ActiveSummary
C&O has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €20,546 and a net result of €1,867. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 62% of 9521 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability76▲+46
Solvency88▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 1.69 against 1.29 in 2023; short-term debt: 36.9% and cash: 9.1% of total assets), and 36.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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
63.1%
Return on assets
5.7%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
58 d late
2022
31 d late
2021
122 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 60 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€20,546▲ 10.0%
2023 · €18,679
Total assets
€32,576▲ 18.8%
2023 · €27,431
Net result
€1,867▼ 21.7%
2023 · €2,383
Working capital
€8,295▲ 223%
2023 · €2,571
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2021202220232024
Operating result€21,380-€2,490▼ 88.4%-€7,683€5,982
Net result€14,696--€50€2,383€1,867▼ 21.7%
Equity€16,346-€16,296▼ 0.3%€18,679▲ 14.6%€20,546▲ 10.0%
Total assets€41,390-€46,813▲ 13.1%€27,431▼ 41.4%€32,576▲ 18.8%
Debt€25,044-€30,517▲ 21.9%€8,752▼ 71.3%€12,030▲ 37.5%
Working capital€8,407-€9,432▲ 12.2%€2,571▼ 72.7%€8,295▲ 223%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €5,982 after a loss of €7,683 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €32,576
Fixed assets
€12,251 ▼ 23.9%
Current assets
€20,325 ▲ 79.5%
Equity and liabilities €32,576
Equity
€20,546 ▲ 10.0%
Debt
€12,030 ▲ 37.5%
Debt's share of the balance-sheet total rises from 31.9% to 36.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11,483▲
2023 · -€4,146
Cash flow
€7,368▲
2023 · €5,920
Current ratio
1.69▲
2023 · 1.29
Debt to equity
0.59▲
2023 · 0.47
ROE
9.1%▼
2023 · 12.8%
ROA
5.7%▼
2023 · 8.7%
Interest coverage
99.70▲
2023 · -87.31
Debt ≤ 1 year
€12,030▲
2023 · €8,752
Income taxes
€4,000▲
2023 · €1,917
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,964 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,696 | €5,070 | €3,537 | €5,501 | ▲ 55.5% |
| Other operating charges640/8 | €1,948 | €999 | €1,535 | €589 | ▼ 61.6% |
| Gross operating margin9900 | €26,023 | €8,559 | -€2,610 | €12,072 | ▲ 563% |
| Operating profit (loss)9901 | €21,380 | €2,490 | -€7,683 | €5,982 | ▲ 178% |
| Financial income75/76B | - | €192 | €12,031 | - | - |
| Recurring financial income75 | - | €192 | €12,031 | - | - |
| Non-recurring financial income76B | - | €192 | €12,031 | - | - |
| Financial charges65/66B | €184 | €104 | €47 | €115 | ▲ 143% |
| Recurring financial charges65 | €184 | €104 | €47 | €115 | ▲ 143% |
| Profit (loss) for the period before taxes9903 | €21,196 | €2,577 | €4,300 | €5,867 | ▲ 36.4% |
| Income taxes67/77 | €6,500 | €2,628 | €1,917 | €4,000 | ▲ 109% |
| Profit (loss) for the period9904 | €14,696 | -€50 | €2,383 | €1,867 | ▼ 21.7% |
| Profit (loss) for the period to be appropriated9905 | €14,696 | -€50 | €2,383 | €1,867 | ▼ 21.7% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €41,390 | €46,813 | €27,431 | €32,576 | ▲ 18.8% |
| Fixed assets21/28 | €7,939 | €7,486 | €16,108 | €12,251 | ▼ 23.9% |
| Tangible fixed assets22/27 | €7,834 | €7,381 | €16,003 | €12,146 | ▼ 24.1% |
| Furniture and vehicles24 | €7,834 | €7,381 | €16,003 | €12,146 | ▼ 24.1% |
| Financial fixed assets28 | €105 | €105 | €105 | €105 | = |
| Current assets29/58 | €33,451 | €39,326 | €11,323 | €20,325 | ▲ 79.5% |
| Amounts receivable within one year40/41 | €28,772 | €37,466 | €2,141 | €17,350 | ▲ 710% |
| Trade receivables40 | €28,772 | €32,739 | €1,703 | €16,072 | ▲ 844% |
| Other amounts receivable41 | - | €4,727 | €439 | €1,278 | ▲ 191% |
| Cash at bank and in hand54/58 | €4,679 | €1,861 | €9,182 | €2,976 | ▼ 67.6% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €41,390 | €46,813 | €27,431 | €32,576 | ▲ 18.8% |
| Equity10/15 | €16,346 | €16,296 | €18,679 | €20,546 | ▲ 10.0% |
| Contributions10/11 | €1,650 | €1,650 | €1,650 | €1,650 | = |
| Capital10 | €1,650 | - | - | - | - |
| Issued capital100 | €1,650 | - | - | - | - |
| Profit (loss) carried forward14 | €14,696 | €14,646 | €17,029 | €18,896 | ▲ 11.0% |
| Amounts payable17/49 | €25,044 | €30,517 | €8,752 | €12,030 | ▲ 37.5% |
| Amounts payable within one year42/48 | €25,044 | €29,894 | €8,752 | €12,030 | ▲ 37.5% |
| Trade debts44 | €2,186 | €9,894 | €65 | €94 | ▲ 45.3% |
| Suppliers440/4 | €2,186 | €9,894 | €65 | €94 | ▲ 45.3% |
| Taxes, remuneration and social security45 | €21,832 | €20,000 | €7,610 | €10,108 | ▲ 32.8% |
| Taxes450/3 | €12,832 | - | - | €3,680 | - |
| Remuneration and social security454/9 | €9,000 | €20,000 | €7,610 | €6,428 | ▼ 15.5% |
| Other amounts payable47/48 | €1,026 | - | €1,078 | €1,828 | ▲ 69.6% |
| Accrued charges and deferred income492/3 | - | €623 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,696 | -€50 | €2,383 | €1,867 | ▼ 21.7% |
| + Depreciation and write-downs630 | €2,696 | €5,070 | €3,537 | €5,501 | ▲ 55.5% |
| Operating cash flow (approximation) | €17,392 | €5,019 | €5,920 | €7,368 | ▲ 24.5% |
| Investment in fixed assets (approximation) | - | -€4,617 | -€12,159 | -€1,644 | ▲ 86.5% |
| Change in cash | - | -€2,819 | €7,321 | -€6,206 | ▼ 185% |
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
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Back to profitnet €2,383
Net result €2,383 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet -€50
Net result drops to -€50, the lowest in the series; recovery starts the following year.
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 122 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lasne · 1 establishment unit since 2020
Ground area
2,783 m²
Building footprint
136 m²
Parcel 25076A0246/00B000, Wallonia. Linked by address, not a title deed.
1 establishment unit
C&O
since 20202.299.661.845
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076A0246/00B000 | Wallonia | 2,783 m² | 1 · 136 m² | - |
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 24,517 companies in sector 82990 we hold annual accounts for 9,415. 5,849 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
Founded12-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
62900Other information technology and computer services
70200Business and other management consultancy
96220Beauty care and other beauty treatments
E-invoicing
Reachable via Peppol
Peppol ID
0208:0743572997
Registered
01-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.