LABEL'OCCAZ
ActiveSummary
LABEL'OCCAZ has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€162,299) and a net result of -€7,272. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 11% of 26049 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
Axes · tick = 2022
Profitability33
Solvency0▼-4
Growth58▼-13
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.54 against 0.76 in 2022; short-term debt: 142.9% and cash: 2.8% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
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%
Return on assets
-2.8%
Age of the figures
21 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
181920212224
2018 to 2024 · latest year -€162,299
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-12-2025, 138 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
138 d late
2022
153 d late
2021
153 d late
2020
131 d late
2019
145 d late
2018
153 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 146 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
€541,932▲ 4.6%
2020 · €517,946
EBIT margin
12.6%▲ 22.9pp
2020 · -10.3%
Net result
-€7,272
2021 · €62,895
Working capital
-€169,015▼ 111%
2022 · -€80,033
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20192020202120222024
Turnover€348,959▼ 20.3%€517,946▲ 48.4%€541,932▲ 4.6%
Operating result€15,956-€53,414€68,265€7,665▼ 88.8%-€1,167-
Net result€14,062-€63,719below the sector's middle half€62,895above the sector's middle half-€7,272below the sector's middle half-
EBIT margin4.6%▲ 18.9pp-10.3%▼ 14.9pp12.6%▲ 22.9pp
Equity-€70,183▲ 16.7%-€133,902below the sector's middle half▼ 90.8%-€71,007below the sector's middle half▲ 47.0%-€71,007below the sector's middle half=-€162,299below the sector's middle half-
Total assets€365,628▲ 9.7%€257,819within the sector's middle half▼ 29.5%€258,580within the sector's middle half▲ 0.3%€338,885above the sector's middle half▲ 31.1%€257,707within the sector's middle half-
Debt€435,811▲ 4.4%€391,720▼ 10.1%€329,587▼ 15.9%€409,891▲ 24.4%€420,006-
Working capital-€99,268▲ 37.4%-€157,778below the sector's middle half▼ 58.9%-€84,697below the sector's middle half▲ 46.3%-€80,033below the sector's middle half▲ 5.5%-€169,015below the sector's middle half-
Solvency-19.2%▲ 6.1pp-51.9%below the sector's middle half▼ 32.7pp-27.5%below the sector's middle half▲ 24.5pp-21.0%below the sector's middle half▲ 6.5pp-63.0%below the sector's middle half-
Current ratio0.70▲ 0.260.49below the sector's middle half▼ 0.220.66below the sector's middle half▲ 0.180.76below the sector's middle half▲ 0.090.54below the sector's middle half-
Return on assets (ROA)3.8%▲ 25.3pp-24.7%below the sector's middle half▼ 28.6pp24.3%above the sector's middle half▲ 49.0pp-2.8%within the sector's middle half-
Staff (FTE)0.9within the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result is -€1,167 in 2024, compared with €7,665 in 2022. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2024 in colour, 2022 as the grey bar beneath
Assets €257,707
Fixed assets
€58,526 ▼ 32.1%
Current assets
€199,181 ▼ 21.2%
Key figures and ratios
EBITDA
€11,835▼
2022 · €21,537
Cash flow
€5,729
Quick ratio
0.38▲
2022 · 0.00
Debt to equity
-2.59▲
2022 · -5.77
Interest coverage
2.08▼
2022 · 2.81
Debt ≤ 1 year
€368,196▲
2022 · €332,759
Debt > 1 year
€51,810▼
2022 · €77,132
Staff costs
€617▼
2022 · €793
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,799 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- negative equity
- a small loss
1.9%
went bankrupt
5.9%
stopped otherwise
90%
still going
A further 2.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.1% 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 497,662 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% | 1.7% |
| 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 75% 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 2,799 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 | 2019 | 2020 | 2021 | 2022 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €348,959 | €517,946 | €541,932 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | €458,372 | - | - | - |
| Remuneration, social security and pensions62 | - | - | €1,662 | €793 | €617 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €37,660 | €21,109 | €20,552 | €13,872 | €13,002 | - |
| Other operating charges640/8 | - | - | €2,331 | €14,540 | €2,356 | - |
| Gross operating margin9900 | €79,510 | -€18,837 | €92,810 | €36,869 | €14,807 | - |
| Operating profit (loss)9901 | €15,956 | -€53,414 | €68,265 | €7,665 | -€1,167 | - |
| Financial income75/76B | - | - | €177 | €1 | €0 | - |
| Recurring financial income75 | €2 | €7 | €92 | €1 | €0 | - |
| Non-recurring financial income76B | - | - | €85 | - | - | - |
| Financial charges65/66B | - | - | €5,548 | €7,666 | €6,105 | - |
| Recurring financial charges65 | €7,782 | €7,803 | €5,185 | €7,666 | €5,692 | - |
| Non-recurring financial charges66B | - | - | €363 | - | €413 | - |
| Profit (loss) for the period before taxes9903 | €14,062 | -€63,879 | €62,895 | - | -€7,272 | - |
| Income taxes67/77 | - | -€160 | - | - | - | - |
| Profit (loss) for the period9904 | €14,062 | -€63,719 | €62,895 | - | -€7,272 | - |
| Profit (loss) for the period to be appropriated9905 | €14,062 | -€63,719 | €62,895 | - | -€7,272 | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €365,628 | €257,819 | €258,580 | €338,885 | €257,707 | - |
| Fixed assets21/28 | €128,995 | €109,085 | €90,823 | €86,159 | €58,526 | - |
| Tangible fixed assets22/27 | €128,835 | €108,925 | €90,663 | €86,159 | €58,526 | - |
| Land and buildings22 | - | - | €84,358 | €77,030 | €55,834 | - |
| Plant, machinery and equipment23 | - | - | €3,973 | €7,963 | €2,432 | - |
| Furniture and vehicles24 | - | - | €2,332 | €1,166 | €260 | - |
| Financial fixed assets28 | €160 | €160 | €160 | - | - | - |
| Current assets29/58 | €236,633 | €148,734 | €167,757 | €252,726 | €199,181 | - |
| Stocks and contracts in progress3 | €232,048 | €121,251 | €160,151 | €252,372 | €59,997 | - |
| Stocks30/36 | - | - | €160,151 | €252,372 | €59,997 | - |
| Amounts receivable within one year40/41 | €4,157 | €27,261 | €6,113 | €167 | €130,926 | - |
| Trade receivables40 | - | - | €6,011 | - | €130,617 | - |
| Other amounts receivable41 | - | - | €102 | €167 | €308 | - |
| Cash at bank and in hand54/58 | - | €166 | €1,275 | - | €7,307 | - |
| Deferred charges and accrued income490/1 | - | - | €217 | €187 | €951 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €365,628 | €257,819 | €258,580 | €338,885 | €257,707 | - |
| Equity10/15 | -€70,183 | -€133,902 | -€71,007 | -€71,007 | -€162,299 | - |
| Contributions10/11 | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | - |
| Capital10 | - | - | €6,197 | €6,197 | €6,197 | - |
| Issued capital100 | - | - | €18,592 | €18,592 | €18,592 | - |
| Uncalled capital101 | - | - | €12,395 | €12,395 | €12,395 | - |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | - |
| Non-distributable reserves130/1 | - | - | €1,859 | €1,859 | €1,859 | - |
| Legal reserve130 | - | - | €1,859 | €1,859 | €1,859 | - |
| Profit (loss) carried forward14 | -€78,239 | -€141,958 | -€79,063 | -€79,063 | -€170,356 | - |
| Amounts payable17/49 | €435,811 | €391,720 | €329,587 | €409,891 | €420,006 | - |
| Amounts payable after more than one year17 | €99,910 | €85,209 | €77,132 | €77,132 | €51,810 | - |
| Financial debts170/4 | - | - | €77,132 | €77,132 | €51,810 | - |
| Amounts payable within one year42/48 | €335,901 | €306,512 | €252,455 | €332,759 | €368,196 | - |
| Current portion of amounts payable after more than one year42 | - | - | €8,076 | - | €8,627 | - |
| Financial debts43 | - | - | €9,516 | €98,082 | €20,474 | - |
| Credit institutions430/8 | - | - | €9,516 | €98,082 | €20,474 | - |
| Trade debts44 | €16,960 | €42,056 | €21,357 | €36,129 | €123,015 | - |
| Suppliers440/4 | - | - | €21,357 | €36,129 | €123,015 | - |
| Advances received on contracts in progress46 | - | - | €3,000 | €3,000 | €3,000 | - |
| Taxes, remuneration and social security45 | - | - | €24,314 | €32,050 | €27,258 | - |
| Taxes450/3 | - | - | €23,970 | €31,256 | €24,414 | - |
| Remuneration and social security454/9 | - | - | €344 | €794 | €2,844 | - |
| Other amounts payable47/48 | - | - | €186,191 | €163,499 | €185,821 | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,062 | -€63,719 | €62,895 | - | -€7,272 | - |
| + Depreciation and write-downs630 | €37,660 | €21,109 | €20,552 | €13,872 | €13,002 | - |
| Operating cash flow (approximation) | €51,722 | -€42,610 | €83,447 | €13,872 | €5,729 | - |
| Investment in fixed assets (approximation) | - | -€1,199 | -€2,290 | -€9,208 | - | - |
| Change in cash | - | - | €1,109 | - | - | - |
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
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 138 days late
2023
31-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 153 days late
2022
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 153 days late
2021
31-12
Financial
Back to profitnet €62,895
Net result €62,895 after one loss-making year.
09-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 131 days late
2020
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 145 days late
2019
31-12
Financial
Back to profitnet €14,062
Net result €14,062 after one loss-making year.
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 153 days late
2018
31-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 153 days late
2016
25-11
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 117 days late
25-05
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 299 days late
2014
23-09
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 54 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Andenne · 1 establishment unit since 1992
Ground area
554 m²
Building footprint
304 m²
Parcel 92081A0059/00T002, Wallonia. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Rue de Gawday 74, 5300 Andenne
since 19922.056.584.595
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92081A0059/00T002 | Wallonia | 554 m² | 1 · 304 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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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 10,663 companies in sector 47811 we hold annual accounts for 5,225. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded03-03-1992
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95316Washing and cleaning of motor vehicles
77110Renting and leasing of cars and light motor vehicles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0446719246
Also
9925:BE0446719246
Registered
01-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.