O-Claire

Active

Private limited companyfounded 20224 yrs activeGeraardsbergse steenweg 31/4, 9860 Oosterzele, BelgiumKBO/BCE: BE 0788.397.291

O-Claire has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €16k and a net result of €273. Equity is growing by ~38% per year across the filed fiscal years. Its solvency ranks better than 15% of 62 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).

Watch Print / PDF

Checked score

Score 2024

36 / 100

Weak▼ -15 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability9▼-91

Solvency8▲+1

Growth52▼-26

Stability94

Bankruptcy probability, 12 months

1.2% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days only on tighter terms

Liquidity short (current ratio 0.52 against 0.33 in 2023), and 89.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 36

Relative position

BE, all sectors

reference

Sector 36

lower

← fewer bankruptcies more bankruptcies →

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 2024

Solvency, return and age of the figures

Solvency

10.8%

Return on assets

0.2%

Age of the figures

20 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 62 sector peers (2024).

NBB · sector comparison

Position among 62 sector peers

Solvency

better than 15%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

1 d early

2023

27 d late

2022

60 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Equity

€16k▲ 1.7%

2023 · €16k

2022: €4k 2023: €16k

2022 → 2024

Total assets

€147k▼ 5.6%

2023 · €156k

2022: €37k 2023: €156k

2022 → 2024

Net result

€273▼ 97.6%

2023 · €12k

2022: €2k 2023: €12k

2022 → 2024

Working capital

€-28k▲ 4.9%

2023 · €-29k

2022: €2k 2023: €-29k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€4k-€16k▲ 287%€16k▲ 1.7%

Operating result€3k-€15k▲ 454%€5k▼ 64.6%

Net result€2k-€12k▲ 469%€273▼ 97.6%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 65% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €147k

79.6%

20.4%

Fixed assets €117k▼ 17.2%

Current assets €30k▲ 107%

Equity and liabilities €147k

11%

89.2%

Equity €16k▲ 1.7%

Debt €131k▼ 6.5%

The debt ratio falls from 90.0% to 89.2%: equity grows while debt is paid down.

Key figures and ratios

2024 value · change against 2023

EBITDA

€30k▲

2023 · €18k

Cash flow

€25k▲

2023 · €14k

Solvency

10.8%▲

2023 · 10.0%

Current ratio

0.52▲

2023 · 0.33

Quick ratio

0.40▲

2023 · 0.33

Debt / equity

8.25▼

2023 · 8.97

ROE

1.7%▼

2023 · 74.2%

ROA

0.2%▼

2023 · 7.4%

Interest coverage

6.43▼

2023 · 77.02

Debt

€131k▼

2023 · €140k

Debt ≤ 1 year

€58k▲

2023 · €44k

Debt > 1 year

€74k▼

2023 · €97k

Income taxes

€385▼

2023 · €3k

Staff costs

€23k▲

2023 · €433

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€156k€147k▼

Fixed assets21/28€141k€117k▼

Intangible fixed assets21€111k€95k▼

Tangible fixed assets22/27€31k€23k▼

Furniture and vehicles24€31k€23k▼

Current assets29/58€14k€30k▲

Stocks and contracts in progress3-€7k

Stocks30/36-€7k

Amounts receivable within one year40/41€11k€15k▲

Trade receivables40€10k€11k▲

Other amounts receivable41€1k€4k▲

Cash at bank and in hand54/58€3k€5k▲

Deferred charges and accrued income490/1-€4k

Equity and liabilities

Total equity and liabilities10/49€156k€147k▼

Equity10/15€16k€16k▲

Contributions10/11€2k€2k=

Reserves13€14k€14k▲

Distributable reserves133€14k€14k▲

Amounts payable17/49€140k€131k▼

Amounts payable after more than one year17€97k€74k▼

Financial debts170/4€97k€74k▼

Amounts payable within one year42/48€44k€58k▲

Current portion of amounts payable after more than one year42€24k€23k▼

Trade debts44€10k€16k▲

Suppliers440/4€10k€16k▲

Advances received on contracts in progress46€0-

Taxes, remuneration and social security45€3k€617▼

Taxes450/3€3k€385▼

Remuneration and social security454/9-€232

Other amounts payable47/48€7k€18k▲

Income statement Code20232024

Remuneration, social security and pensions62€433€23k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€24k▲

Other operating charges640/8€449€848▲

Gross operating margin9900€19k€54k▲

Operating profit (loss)9901€15k€5k▼

Financial income75/76B-€24

Recurring financial income75-€24

Financial charges65/66B€229€5k▲

Recurring financial charges65€229€5k▲

Profit (loss) for the period before taxes9903€15k€658▼

Income taxes67/77€3k€385▼

Profit (loss) for the period9904€12k€273▼

Profit (loss) for the period to be appropriated9905€12k€273▼

Appropriation of the result

Profit (loss) to be appropriated9906€12k€273▼

Transfer to equity691/2€12k€273▼

To other reserves6921€12k€273▼

The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 5Financial 2Filings 3

2025

30-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €273 ▼97.6%

Net result drops to €273, the lowest in the series.

27-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 27 days late

2023

31-12

Financial Highest result since 2022net €12k ▲469%

Operating result €15k, net result €12k, both a record.

29-09

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 60 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Oosterzele · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Geraardsbergse steenweg 31/49860 Oosterzele

Ground area

208 m²

Building footprint

208 m²

Volume, LiDAR

1,311 m³

Parcel 44031A0513/00V000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

O-Claire

Geraardsbergse steenweg 31/4, 9860 OosterzeleWater collection, treatment and supply

since 20222.334.027.856

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44031A0513/00V000 ProtectedMonument · Townscape or village viewHoeve en landbouwstokerij BetsbergSource ↗	Flanders	208 m²	1 · 208 m²	8.9 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).

Recognitions · licences · registrations

Recognised contractor

1 category

O-Claire BV44636

category V, class 1

decision 06-02-2025

Similar companies · same sector, comparable size

LA FUITE

BE 0754.475.205

Plombières · Eq €16k

Pb Water Treatment Services

BE 0719.724.360

Tongeren-Borgloon · Eq €16k

Of 135 companies in sector 36000 we hold annual accounts for 69. 25 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded08-07-2022

Fiscal year end31-12

Activities, NACEBEL

36000Water collection, treatment and supply

43222Installation of electric heating, air conditioning, cooling and ventilation

37000Sewerage

42211Civil engineering

43211General electrical installation work

46180Agents specialised in the wholesale of other particular products

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.