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O&D Group

Active
Public limited companyfounded 198145 yrs activeGentseweg 494, 8793 Waregem, BelgiumKBO/BCE: BE 0421.450.647
Summary

O&D Group has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.5m and a net result of €554,477. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 75% of 4922 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
O&D GroupActiveChecked score 91/100
Risk analysis ReportCompare

Overview

Activity
Other non-specialised retail sale
NACE 47120NACE 47192Other retail sale of new goods NACE 47789
1 site
Size
€6.0mturnover 2025
Staff
7.1 FTE
Equity
€5.5m
Profit
€554,477
Net result +74%: 12-month year
Financial health
91 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Parent
O&D INVEST · 100%
Board
2 members
Accounts 2 d early2 of 18 deeds read
Why 91- Figures for FY 2025 (filed 30-10-2025)+ Founded in 1981+ Profit of €554,477 (FY 2025)+ Equity €5.5m (61.9% of total assets)Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Better than 63% 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
Strong
Solvency 87+34
equity 61.9% of total assets
Liquidity 52+27
short-term debt 11.0% · cash 2.3%
Profitability 84+24
return on assets 6.2%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,155 companies)
Last 24 months 11-2024: 0.5% 12-2024: 0.5%● 0.0% vs 11-2024 01-2025: 0.5%● 0.0% vs 12-2024 02-2025: 0.5%● 0.0% vs 01-2025 03-2025: 0.5%● 0.0% vs 02-2025 04-2025: 0.5%● 0.0% vs 03-2025 05-2025: 0.5%▼ -3.7% vs 04-2025 06-2025: 0.5%▲ +1.5% vs 05-2025 07-2025: 0.5%▲ +1.9% vs 06-2025 08-2025: 0.5%▲ +5.0% vs 07-2025 09-2025: 0.5%▲ +0.4% vs 08-2025 10-2025: 0.7%▲ +30.0% vs 09-2025highest value 11-2025: 0.1%▼ -83.4% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%● 0.0% vs 12-2025 02-2026: 0.1%● 0.0% vs 01-2026 03-2026: 0.1%● 0.0% vs 02-2026 04-2026: 0.1%● 0.0% vs 03-2026 05-2026: 0.1%▼ -4.5% vs 04-2026lowest value 06-2026: 0.1%▲ +1.9% vs 05-2026 07-2026: 0.1%▲ +1.9% vs 06-2026 08-2026: 0.1%▲ +5.5% vs 07-2026 09-2026: 0.1%▲ +3.5% vs 08-2026 10-2026: 0.2%▲ +50.4% vs 09-2026
  • Founded in 1981 lowers the probability for this profile
  • Profit of €554,477 (FY 2025) lowers the probability
  • Equity €5.5m (61.9% of total assets) lowers the probability
  • Figures for FY 2025 (filed 30-10-2025) raises the probability
Credit up to €500,000 at 30 days acceptable
Liquidity ample (current ratio 3.28 against 1.15 in 2024; short-term debt: 11% and cash: 2.3% of total assets), and 38.1% 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 74%, liquidity 57%, profitability 78%, growth against the median 43%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. 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.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Founded in 1981
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Profit of €554,477 (FY 2025)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €5.5m (61.9% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Figures for FY 2025 (filed 30-10-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
2 d early
2024
on the day
2023
29 d late
2022
30 d late
2021
30 d late
2020
31 d late
2019
30 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 21 days after 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven months
Position in the running window
31-03-2026 close07-10-2026 today31-10-2026 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. Resignations: Peter Vantomme (director) and Kaatje…Appointments: Olivier Destoop-Vantomme (director) and…
  2. Statutes amendment · MiscellaneousCapital · Name change ·…
  3. Annual accounts filedfiscal year 2025 · full…

Key points

  • Caution: Board changedlatest change 16-01-2026 · 2 in office 2 joined · 2 left View
  • Caution: Turnover fell in 2025from €10.4m to €6.0m ▼ 42.9% View
  • Positive: Among the best 9% on equitysector median €448,628 · 4,923 companies €5.5m View
  • Controlled by O&D INVESTknown shareholders 100% 100% View
  • Positive: 7 profitable years in a rowprofit 2025: €554,477 7 years View
  • Active since 1981founded 27-03-1981 45 years View

By topic

Financials

Fiscal year
2025
Turnover
€6.0m
Profit
€554,477
Solvency
61.9%
Turnover▼ 42.9%
Net result
20192025
Go to Financials

Timeline

Events
15
Since
2016
Next accounts
by 31-10-2026
  1. 13-02-2026Resignations: Peter Vantomme (director) and Kaatje Soenens…
  2. 27-11-2025Statutes amendment · Miscellaneous
  3. 29-10-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Other non-specialised retail saleNACE 47120
Founded
27-03-1981
Year ends
31-03
Peppol
Reachable for e-invoices
Go to Company details

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