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O.M. CERAMIC

Active
Private limited company·Detailhandel in wand- en vloertegels· 3 yrs active
Sentier du Brûle 31 ·7390 Quaregnon, Belgium
KBO/BCE: BE 0802.119.724
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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age3 yrs
Staff (FTE)1
Real estate1 parcel · 84 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of O.M. CERAMIC is 2.0% (moderate). The 2025 annual accounts show equity of €116k and a net result of €7k. Its solvency ranks better than 77% of 1408 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

2 signals · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 77% of 1408 peers (2025). A comfortable equity buffer.
View the sector comparison
Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-05-2026, 28 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.
The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2025, that is 30-04-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-09-2025 30-04-2026 28-05-2026 28 d late 2026-00126804
30-09-2024 30-04-2025 25-04-2025 5 d early 2025-00082929

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.0% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€7k-85.2%
Working capital€90k+14.2%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 28-05-2026 with the NBB · fiscal year 2025 · micro
€0€20k€40k€60kOperating result 2024: €69k€69kNet result 2024: €49k€49kOperating result 2025: €6k€6kNet result 2025: €7k€7k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 59.9% 23.8%
better than 77% of 1408 sector peers
Net result €7k €8k
better than 49% of 1405 sector peers
Equity €116k €26k
better than 82% of 1409 sector peers
Gross operating margin €58k €36k
better than 61% of 1402 sector peers
Staff costs €46k €42k
higher than 53% of 596 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€10k
-85.8% 24-25
Net profit
€7k
-85.2% 24-25
Cash flow
€11k
-78.4% 24-25
Total assets
€194k
+11.7% 24-25
Equity
€116k
+6.6% 24-25
Working capital
€90k
+14.2% 24-25
Employees (FTE)
1
0.0% 24-25
Staff costs
€46k
+21.4% 24-25
Income taxes
€1k
-93.3% 24-25
Debt
€78k
+20.2% 24-25
Debt ≤ 1y
€78k
+20.1% 24-25
Current ratio
2.16
-2.7% 24-25
Quick ratio
1.67
+17.5% 24-25
Solvency
59.9%
-4.5% 24-25
Debt / equity
0.67
+12.7% 24-25
ROE
6.2%
-86.1% 24-25
ROA
3.7%
-86.8% 24-25
Interest coverage
-9.07
- 24-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA€10k
Net profit€7k
Cash flow€11k
Staff costs€46k
Income taxes€1k
Dividends-
Total assets€194k
Equity€116k
Debt€78k
of which ≤ 1y€78k
of which > 1y-
Working capital€90k
Employees (FTE)1.0
Ratios (computed)
2025
Current ratio2.16
Quick ratio1.67
Working capital ratio46.3%
Solvency59.9%
Debt / equity0.67
Long-term debt ratio-
Interest coverage-9.07
Gross margin-
Net margin-
ROA3.7%
ROE6.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€194k
Fixed assets 21/28€26k
Tangible fixed assets 22/27€10k
Financial fixed assets 28€16k
Current assets 29/58€167k
Stocks & contracts in progress 3€38k
Amounts receivable within one year 40/41€92k
Cash & bank 54/58€36k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€194k
Equity 10/15€116k
Contributions / capital 10/11€60k
Reserves 13€56k
Amounts payable 17/49€78k
Amounts payable within one year 42/48€78k
Trade debts payable within one year 44€64k
Income statement
Gross operating margin 9900€58k
Operating result 9901€6k
Financial income 75€1k
Financial charges 65€-1k
Result before taxes 9903€9k
Income taxes 67/77€1k
Net result for the period 9904€7k
Result to be appropriated 9905€7k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
68 / 100 Healthy
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
approximate (street level) On OpenStreetMap

Establishment units

1 location
Sentier du Brûle 31, 7390 Quaregnon
Groothandel in bouwmaterialen, algemeen assortiment
since 20232.346.029.825
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area84 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53065A0417/02A000indicative Wallonia 84 m² - -
Methodology
via registered seat: 1
0 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health68Profitability31Solvency98Growth52Stability94
69 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 68
Profitability 31
Solvency 98
Growth 52
Stability 94

Ask AI about this company

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 38 of the 174 companies in this sector. 29 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Detailhandel in wand- en vloertegels in gespecialiseerde winkels47523Detailhandel in wand- en vloertegels47523Groothandel in bouwmaterialen, algemeen assortiment46731Groothandel in vloer- en wandtegels46735Groothandel in bouwmaterialen, algemeen assortiment46831Groothandel in vloer- en wandtegels46835
Primary activity highlighted.
Names & trade names
Legal nameFR O.M. CERAMIC
Registered office
Sentier du Brûle 31
7390 Quaregnon, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.