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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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Summary
Conclusion
the dossier summarised in one paragraphThe file of O'SEANT PARTNER contains 1 judicial reorganisation, as published in the Belgian State Gazette. The KBO register records legal situation 091 for O'SEANT PARTNER (Register: special situation); this is today's state according to the register itself, which carries no start date. The computed 12-month bankruptcy probability is 5.2% (elevated). The 2024 annual accounts show equity of €199k and a net result of €2k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 19% of 3178 sector peers (fiscal year 2024).
Based on the State Gazette, CBE and 7 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone5.2%
Elevated
0%0,5%1,5%4%10%≥25%
Judicial reorganisation on record
+Recent warning signals
+Long track record
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Insolvency timeline
1 events27-05-2026
Judicial reorganisation
Opening
Signals
1 signal · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 3178 sector peers (2024).
View the sector comparison 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-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 15 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-07-2025, 14 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. 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 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 17-07-2025 | 14 d early | 2025-00294262 |
| 31-12-2023 | 31-07-2024 | 28-06-2024 | 33 d early | 2024-00197627 |
| 31-12-2022 | 31-07-2023 | 31-08-2023 | 31 d late | 2023-00441216 |
| 31-12-2021 | 31-07-2022 | 31-08-2022 | 31 d late | 2022-20426244 |
| 31-12-2020 | 31-07-2021 | 31-08-2021 | 31 d late | 2021-66000098 |
| 31-12-2019 | 31-07-2020 | 28-08-2020 | 28 d late | 2020-50100353 |
| 31-12-2018 | 31-07-2019 | 30-08-2019 | 30 d late | 2019-62500361 |
| 31-12-2017 | 31-07-2018 | 31-08-2018 | 31 d late | 2018-61000194 |
| 31-12-2016 | 31-07-2017 | 30-08-2017 | 30 d late | 2017-52000446 |
| 31-12-2015 | 31-07-2016 | 26-08-2016 | 26 d late | 2016-48700457 |
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 signalsRegister: special situation
The KBO register records legal situation 091 for this company. This is today's state according to the register itself; the register carries no start date.
In judicial reorganisation
Ongoing procedure under court protection (Book XX WER). The company is restructuring.
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.
Financials
Turnover€101k+14.7%
EBIT margin-10.4%-37.8pp
Net result€2k
Working capital€1.33M+86.7%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 17-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 82 · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 12.2% | 53.8% | |
| Net result | €2k | €18k | |
| Equity | €199k | €40k | |
| Gross operating margin | €49k | €36k | |
| Staff costs | €50k | €22k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P19
Weakening position over 2020-2024
· n=451-3178
P27
Stable position over 2020-2024
· n=450-3177
P90
Stable position over 2020-2024
· n=452-3180
P59
Improving position over 2020-2024
· n=445-3177
Describes the position versus peers, not a forecast.
€101k
+14.7%
18-24
€-3k
-1317.7%
18-24
€2k
-
18-24
€10k
+58.1%
18-24
€1.63M
+72.2%
18-24
€199k
+1.3%
18-24
€1.33M
+86.7%
18-24
€50k
-16.3%
18-24
€12k
+31950.9%
18-24
€36k
-
18-24
€1.43M
+90.7%
18-24
€283k
+34.8%
18-24
€1.15M
+112.4%
18-24
5.70
+29.7%
18-24
5.70
+29.7%
18-24
12.2%
-41.2%
18-24
7.21
+88.3%
18-24
1.2%
-
18-24
0.2%
-
18-24
2.4%
-90.0%
18-24
-3.4%
-
18-24
-0.13
-293.4%
18-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | €101k |
| EBITDA | €-3k |
| Net profit | €2k |
| Cash flow | €10k |
| Staff costs | €50k |
| Income taxes | - |
| Dividends | - |
| Total assets | €1.63M |
| Equity | €199k |
| Debt | €1.43M |
| of which ≤ 1y | €283k |
| of which > 1y | €1.15M |
| Working capital | €1.33M |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 5.70 |
| Quick ratio | 5.70 |
| Working capital ratio | 81.5% |
| Solvency | 12.2% |
| Debt / equity | 7.21 |
| Long-term debt ratio | 5.78 |
| Interest coverage | -0.13 |
| Gross margin | 42.8% |
| Net margin | 2.4% |
| ROA | 0.2% |
| ROE | 1.2% |
| EBITDA margin | -3.4% |
| Days sales outstanding | 376d |
| Days payable outstanding | 177d |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.63M |
| Fixed assets | 21/28 | €18k |
| Intangible fixed assets | 21 | €18k |
| Current assets | 29/58 | €1.61M |
| Amounts receivable within one year | 40/41 | €104k |
| Cash & bank | 54/58 | €28k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.63M |
| Equity | 10/15 | €199k |
| Contributions / capital | 10/11 | €62k |
| Reserves | 13 | €6k |
| Accumulated profits (losses) | 14 | €130k |
| Amounts payable | 17/49 | €1.43M |
| Amounts payable after one year | 17 | €1.15M |
| Amounts payable within one year | 42/48 | €283k |
| Trade debts payable within one year | 44 | €28k |
| Income statement | ||
| Turnover | 70 | €101k |
| Gross operating margin | 9900 | €49k |
| Operating result | 9901 | €-11k |
| Financial income | 75 | €39k |
| Financial charges | 65 | €26k |
| Result before taxes | 9903 | €2k |
| Net result for the period | 9904 | €2k |
| Result to be appropriated | 9905 | €2k |
You are seeing the latest fiscal year only. 4 prior years (figures + ratios) are in a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed26
/ 100
Weak
Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.
Structure & network
Connections & network
1 connected companyGroup structure
We sit on their board · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control
1 partyO'SEANT PARTNERBE 0432.706.607
controls
Where this company holds controlthis company sits on their board1
1 location
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationChess
since 20222.329.551.010
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,115 m²
Buildings1
Building footprint65 m²
Volume (LiDAR)732 m³
Tallest building12.8 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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. |
|---|---|---|---|---|
| 52363E0228/00B005 | Wallonia | 1,115 m² | 1 · 65 m² | 12.8 m · 4 fl. |
Methodology
via registered seat: 1
1 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
1 event from the State Gazette27-05-2026
Judicial reorganisation
Opening
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
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 axes33
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
26
Profitability
14
Solvency
41
Growth
55
Stability
30
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 2,991 of the 24,486 companies in this sector. 2,151 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Adviesbureaus op het gebied van public relations en communicatie70210Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300
Primary activity highlighted.
Names & trade names
| Legal nameFR | O'SEANT PARTNER |
Registered office
Place du Ballon 24
6040 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.