Skip to content

Kaly Ora

Active
Private limited companyfounded 20214 yrs activeMontjoielaan 31, 1180 Ukkel, BelgiumKBO/BCE: BE 0776.669.003
Summary

The computed 12-month bankruptcy probability of Kaly Ora is 2.9% (moderate). The annual accounts of Kaly Ora for fiscal year 2025 show a net loss of 77% of the equity at the start of that year. The 2025 annual accounts show equity of €4,122 and a net result of -€13,462. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 11770 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
Kaly OraActiveChecked score 50/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of women's outerwear
NACE 47711Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716
1 site
Size
€81,743total assets 2025
Staff
0.9 FTE
Equity
€4,122
Loss
-€13,462
Financial health
50 Fair Checked score 2025
Bankruptcy chance 12 m
2.9%
Structure
Accounts on time0 of 2 deeds read
Why 50- Loss of €13,462 (FY 2025)- 1 change of registered office in 24 months- Equity €4,122 (5.0% of total assets)+ Liquidity: current ratio 5.52, cash €17,311Show the evidence

Checked score

Score 2025
50 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 28% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 30-13
equity 5.0% of total assets
Liquidity 72+3
short-term debt 17.5% · cash 21.2%
Profitability 0-97
return on assets -16.5%
Bankruptcy probability, 12 months
2.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (39,919 companies)
Last 24 months 11-2024: 1.8% 12-2024: 1.8%● 0.0% vs 11-2024 01-2025: 1.8%▼ -2.1% vs 12-2024 02-2025: 3.0%▲ +67.8% vs 01-2025 03-2025: 3.0%● 0.0% vs 02-2025 04-2025: 3.6%▲ +17.7% vs 03-2025 05-2025: 4.0%▲ +10.9% vs 04-2025highest value 06-2025: 3.9%▼ -1.4% vs 05-2025 07-2025: 3.6%▼ -7.6% vs 06-2025 08-2025: 1.5%▼ -57.7% vs 07-2025 09-2025: 1.5%● 0.0% vs 08-2025 10-2025: 1.4%▼ -7.1% vs 09-2025 11-2025: 1.4%● 0.0% vs 10-2025 12-2025: 1.4%● 0.0% vs 11-2025 01-2026: 1.4%▼ -1.2% vs 12-2025 02-2026: 1.4%▼ -1.9% vs 01-2026lowest value 03-2026: 1.4%▲ +2.5% vs 02-2026 04-2026: 1.8%▲ +26.9% vs 03-2026 05-2026: 2.3%▲ +30.0% vs 04-2026 06-2026: 2.3%▼ -3.0% vs 05-2026 07-2026: 2.3%▲ +2.5% vs 06-2026 08-2026: 2.9%▲ +25.8% vs 07-2026 09-2026: 2.9%● 0.0% vs 08-2026 10-2026: 2.9%▼ -1.6% vs 09-2026
  • Loss of €13,462 (FY 2025) raises the probability
  • 1 change of registered office in 24 months raises the probability
  • Liquidity: current ratio 5.52, cash €17,311 lowers the probability
  • Equity €4,122 (5.0% of total assets) raises the probability
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 5.52 against 6.58 in 2024; short-term debt: 17.5% and cash: 21.2% of total assets), but 95% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 22%, liquidity 78%, profitability 6%, growth against the median 7%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Loss of €13,462 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
lowers risk · Liquidity: current ratio 5.52, cash €17,311
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Equity €4,122 (5.0% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 11770 sector peers (2025).
NBB · sector comparison
Position among 11770 sector peers
Solvency
better than 16%
← weakest strongest →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
on the day
2024
6 d early
2023
19 d early
2022
24 d early
← 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 12 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

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. Usually files around 19 July (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Back to profitnet €21,770

Key points

  • Caution: Among the weakest 15% on equitysector median €244,042 · 11,782 companies €4,122 View
  • Positive: Always filed on timeaccounts within the deadline every year 4 years View
  • Total assets 20254 fiscal years filed €81,743 View

By topic

Financials

Fiscal year
2025
Total assets
€81,743
Loss
-€13,462
Solvency
5.0%
Total assets▼ 15.9%
Net result
20222025
Go to Financials

Timeline

Events
7
Since
2023
Next accounts
by 31-07-2027
  1. 31-07-2026Annual accounts filed
  2. 25-07-2025Annual accounts filed
  3. 31-12-2024Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of women's outerwearNACE 47711
Founded
29-10-2021
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies How does this company compare with its sector?Sector benchmark

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure