OCCI
ActiveSummary
OCCI has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58k and a net result of €-13k. Equity is shrinking by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 30% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability29▼-4
Solvency36▼-3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 1.25 in 2024; short-term debt: 29.8% and cash: 20% of total assets), and 89.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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 · 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 2025Solvency, return and age of the figures
Solvency
10.8%
Return on assets
-2.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
17 d early
2023
13 d early
2022
1 d late
2021
31 d late
2020
12 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▼ 26.1%
2024 · €79k
2018: €215k
2019: €217k▲ +0.9% vs 2018highest in 8 years
2020: €122k▼ -43.5% vs 2019
2021: €105k▼ -14.4% vs 2020
2022: €99k▼ -5.9% vs 2021
2023: €73k▼ -25.6% vs 2022
2024: €79k▲ +7.6% vs 2023
2025: €58k▼ -26.1% vs 2024lowest in 8 years
2018 → 2025
Total assets
€539k▼ 4.8%
2024 · €566k
2018: €483k
2019: €431k▼ -10.8% vs 2018
2020: €464k▲ +7.7% vs 2019
2021: €329k▼ -29.2% vs 2020lowest in 8 years
2022: €346k▲ +5.3% vs 2021
2023: €644k▲ +86.0% vs 2022highest in 8 years
2024: €566k▼ -12.1% vs 2023
2025: €539k▼ -4.8% vs 2024
2018 → 2025
Net result
€-13k
2024 · €6k
2018: €6k
2019: €3k▼ -41.0% vs 2018
2020: €22k▲ +542% vs 2019
2021: €32k▲ +41.7% vs 2020highest in 8 years
2022: €12k▼ -63.1% vs 2021
2023: €-5k▼ -144% vs 2022
2024: €6k▲ +207% vs 2023
2025: €-13k▼ -326% vs 2024lowest in 8 years
2018 → 2025
Working capital
€67k▲ 47.3%
2024 · €45k
2018: €14k
2019: €8k▼ -40.7% vs 2018
2020: €-39k▼ -591% vs 2019lowest in 8 years
2021: €128k▲ +425% vs 2020highest in 8 years
2022: €115k▼ -10.5% vs 2021
2023: €74k▼ -35.8% vs 2022
2024: €45k▼ -38.4% vs 2023
2025: €67k▲ +47.3% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€105k-€99k▼ 5.9%€73k▼ 25.6%€79k▲ 7.6%€58k▼ 26.1%
2021: €105khighest in 5 years
2022: €99k▼ -5.9% vs 2021
2023: €73k▼ -25.6% vs 2022
2024: €79k▲ +7.6% vs 2023
2025: €58k▼ -26.1% vs 2024lowest in 5 years
Operating result€64k-€74k▲ 15.7%€41k▼ 44.4%€74k▲ 78.9%€55k▼ 25.1%
2021: €64k
2022: €74k▲ +15.7% vs 2021highest in 5 years
2023: €41k▼ -44.4% vs 2022lowest in 5 years
2024: €74k▲ +78.9% vs 2023
2025: €55k▼ -25.1% vs 2024
Net result€32k-€12k▼ 63.1%€-5k€6k€-13k
2021: €32khighest in 5 years
2022: €12k▼ -63.1% vs 2021
2023: €-5k▼ -144% vs 2022
2024: €6k▲ +207% vs 2023
2025: €-13k▼ -326% vs 2024lowest in 5 years
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 2025; 2025 is 25% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €539k
Fixed assets
€312k ▼ 8.2%
Current assets
€227k ▲ 0.3%
Equity and liabilities €539k
Equity
€58k ▼ 26.1%
Provisions
€74k ▲ 73.6%
Debt
€407k ▼ 8.5%
Debt's share of the balance-sheet total falls from 78.5% to 75.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€94k▼
2024 · €112k
Cash flow
€26k▼
2024 · €44k
Current ratio
1.42▲
2024 · 1.25
Quick ratio
1.01▲
2024 · 0.78
Debt to equity
6.98▲
2024 · 5.63
ROE
-21.6%▼
2024 · 7.1%
ROA
-2.3%▼
2024 · 1.0%
Interest coverage
1.55▼
2024 · 1.58
Debt ≤ 1 year
€160k▼
2024 · €181k
Debt > 1 year
€231k▼
2024 · €251k
Income taxes
€8k▲
2024 · €2k
Staff costs
€42k▼
2024 · €70k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 62 lines
Balance sheet
Code20242025
Assets
Total assets20/58€566k€539k▼
Fixed assets21/28€339k€312k▼
Tangible fixed assets22/27€339k€311k▼
Land and buildings22€306k€274k▼
Plant, machinery and equipment23€24k€20k▼
Furniture and vehicles24€6k€4k▼
Other tangible fixed assets26€4k€13k▲
Financial fixed assets28€180€180=
Current assets29/58€226k€227k▲
Amounts receivable after more than one year29€38k-
Other amounts receivable291€38k-
Stocks and contracts in progress3€85k€65k▼
Stocks30/36€85k€65k▼
Amounts receivable within one year40/41€42k€25k▼
Trade receivables40€30k€25k▼
Other amounts receivable41€12k-
Current investments50/53€8k€20k▲
Cash at bank and in hand54/58€47k€108k▲
Deferred charges and accrued income490/1€5k€10k▲
Equity and liabilities
Total equity and liabilities10/49€566k€539k▼
Equity10/15€79k€58k▼
Contributions10/11€6k€6k=
Reserves13€73k€65k▼
Tax-exempt reserves132€301€301=
Distributable reserves133€72k€64k▼
Profit (loss) carried forward14-€-13k
Provisions and deferred taxes16€42k€74k▲
Provisions for liabilities and charges160/5€42k€74k▲
Other liabilities and charges164/5€42k€74k▲
Amounts payable17/49€444k€407k▼
Amounts payable after more than one year17€251k€231k▼
Financial debts170/4€251k€231k▼
Amounts payable within one year42/48€181k€160k▼
Current portion of amounts payable after more than one year42€53k€60k▲
Trade debts44€24k€21k▼
Suppliers440/4€24k€21k▼
Taxes, remuneration and social security45€26k€26k=
Taxes450/3€20k€22k▲
Remuneration and social security454/9€6k€3k▼
Other amounts payable47/48€78k€53k▼
Accrued charges and deferred income492/3€13k€16k▲
Income statement
Code20242025
Remuneration, social security and pensions62€70k€42k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€39k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-8k€31k▲
Other operating charges640/8€6k€6k▲
Gross operating margin9900€180k€173k▼
Operating profit (loss)9901€74k€55k▼
Financial income75/76B€4k€480▼
Recurring financial income75€4k€480▼
Financial charges65/66B€71k€61k▼
Recurring financial charges65€71k€61k▼
Profit (loss) for the period before taxes9903€7k€-5k▼
Income taxes67/77€2k€8k▲
Profit (loss) for the period9904€6k€-13k▼
Profit (loss) for the period to be appropriated9905€6k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€381€-13k▼
Profit (loss) brought forward from the previous period14P€-5k-
Transfer from equity791/2-€8k
Transfer to equity691/2€381-
To other reserves6921€381-
Profit to be distributed694/7-€8k
Return on contributions (dividend)694-€8k
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €28k | €70k | €42k | ▼ 40.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28k | €30k | €49k | €38k | €39k | ▲ 1.3% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €-9k | €-14k | €27k | €-8k | €31k | ▲ 514% |
| Other operating charges640/8 | €3k | €3k | €4k | €6k | €6k | ▲ 1.1% |
| Gross operating margin9900 | €87k | €94k | €148k | €180k | €173k | ▼ 4.2% |
| Operating profit (loss)9901 | €64k | €74k | €41k | €74k | €55k | ▼ 25.1% |
| Financial income75/76B | €33k | €2k | €3k | €4k | €480 | ▼ 88.3% |
| Recurring financial income75 | €2k | €2k | €1k | €4k | €480 | ▼ 88.3% |
| Non-recurring financial income76B | €31k | - | €1k | - | - | - |
| Financial charges65/66B | €54k | €59k | €44k | €71k | €61k | ▼ 14.2% |
| Recurring financial charges65 | €54k | €59k | €44k | €71k | €61k | ▼ 14.2% |
| Profit (loss) for the period before taxes9903 | €43k | €17k | €-230 | €7k | €-5k | ▼ 171% |
| Income taxes67/77 | €11k | €6k | €5k | €2k | €8k | ▲ 406% |
| Profit (loss) for the period9904 | €32k | €12k | €-5k | €6k | €-13k | ▼ 326% |
| Profit (loss) for the period to be appropriated9905 | €32k | €12k | €-5k | €6k | €-13k | ▼ 326% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €329k | €346k | €644k | €566k | €539k | ▼ 4.8% |
| Fixed assets21/28 | €121k | €126k | €373k | €339k | €312k | ▼ 8.2% |
| Tangible fixed assets22/27 | €121k | €126k | €373k | €339k | €311k | ▼ 8.2% |
| Land and buildings22 | €107k | €82k | €337k | €306k | €274k | ▼ 10.2% |
| Plant, machinery and equipment23 | €4k | €32k | €28k | €24k | €20k | ▼ 16.4% |
| Furniture and vehicles24 | €4k | €5k | €3k | €6k | €4k | ▼ 33.6% |
| Other tangible fixed assets26 | €7k | €7k | €6k | €4k | €13k | ▲ 203% |
| Financial fixed assets28 | €180 | €180 | €180 | €180 | €180 | = |
| Current assets29/58 | €207k | €220k | €271k | €226k | €227k | ▲ 0.3% |
| Amounts receivable after more than one year29 | €65k | €56k | €48k | €38k | - | - |
| Other amounts receivable291 | €65k | €56k | €48k | €38k | - | - |
| Stocks and contracts in progress3 | €63k | €71k | €89k | €85k | €65k | ▼ 23.7% |
| Stocks30/36 | €63k | €71k | €89k | €85k | €65k | ▼ 23.7% |
| Amounts receivable within one year40/41 | €40k | €45k | €51k | €42k | €25k | ▼ 41.9% |
| Trade receivables40 | €26k | €31k | €33k | €30k | €25k | ▼ 18.1% |
| Other amounts receivable41 | €13k | €13k | €18k | €12k | - | - |
| Current investments50/53 | - | €10k | €23k | €8k | €20k | ▲ 151% |
| Cash at bank and in hand54/58 | €30k | €32k | €54k | €47k | €108k | ▲ 128% |
| Deferred charges and accrued income490/1 | €10k | €5k | €5k | €5k | €10k | ▲ 83.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €329k | €346k | €644k | €566k | €539k | ▼ 4.8% |
| Equity10/15 | €105k | €99k | €73k | €79k | €58k | ▼ 26.1% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €99k | €92k | €72k | €73k | €65k | ▼ 11.0% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Tax-exempt reserves132 | €301 | €301 | €301 | €301 | €301 | = |
| Distributable reserves133 | €96k | €90k | €72k | €72k | €64k | ▼ 11.1% |
| Profit (loss) carried forward14 | - | - | €-5k | - | €-13k | - |
| Provisions and deferred taxes16 | €37k | €23k | €50k | €42k | €74k | ▲ 73.6% |
| Provisions for liabilities and charges160/5 | €37k | €23k | €50k | €42k | €74k | ▲ 73.6% |
| Other liabilities and charges164/5 | €37k | €23k | €50k | €42k | €74k | ▲ 73.6% |
| Amounts payable17/49 | €187k | €224k | €521k | €444k | €407k | ▼ 8.5% |
| Amounts payable after more than one year17 | €101k | €114k | €304k | €251k | €231k | ▼ 8.1% |
| Financial debts170/4 | €101k | €114k | €304k | €251k | €231k | ▼ 8.1% |
| Amounts payable within one year42/48 | €79k | €105k | €197k | €181k | €160k | ▼ 11.5% |
| Current portion of amounts payable after more than one year42 | €23k | €33k | €52k | €53k | €60k | ▲ 13.6% |
| Financial debts43 | €12k | €529 | - | - | - | - |
| Credit institutions430/8 | €12k | €529 | - | - | - | - |
| Trade debts44 | €11k | €26k | €27k | €24k | €21k | ▼ 13.6% |
| Suppliers440/4 | €11k | €26k | €27k | €24k | €21k | ▼ 13.6% |
| Taxes, remuneration and social security45 | €20k | €17k | €22k | €26k | €26k | = |
| Taxes450/3 | €20k | €17k | €16k | €20k | €22k | ▲ 14.7% |
| Remuneration and social security454/9 | - | - | €6k | €6k | €3k | ▼ 46.6% |
| Other amounts payable47/48 | €13k | €29k | €97k | €78k | €53k | ▼ 31.6% |
| Accrued charges and deferred income492/3 | €7k | €5k | €20k | €13k | €16k | ▲ 25.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €32k | €12k | €-5k | €6k | €-13k | ▼ 326% |
| + Depreciation and write-downs630 | €28k | €30k | €49k | €38k | €39k | ▲ 1.3% |
| Operating cash flow (approximation) | €60k | €42k | €43k | €44k | €26k | ▼ 40.3% |
| Investment in fixed assets (approximation) | - | €-35k | €-296k | €-4k | €-11k | ▼ 158% |
| Change in cash | - | €2k | €22k | €-7k | €60k | ▲ 957% |
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
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €32k ▲41.7%
Net result €32k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 2.63
Current ratio from 0.76 to 2.63; short-term debt falls from €168k to €79k.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Leuven · 2 establishment units since 2004
Ground area
2,199 m²
Building footprint
361 m²
Volume, LiDAR
1,602 m³
2 parcels, Flanders · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Occi
since 20042.136.784.789
Puur Living
since 20222.336.901.630
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24051C0108/00T000 | Flanders | 2,064 m² | 1 · 296 m² | 13.9 m · 1 fl. |
| 24434F0286/00G015 | Flanders | 135 m² | 1 · 65 m² | 14.5 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 870 EUR awarded · 300 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 300 EUR | 300 EUR |
| 2022 | 1 | 570 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
254900TZIFTSI11WOC39
Similar companies · same sector, comparable size
MEUBLESBYMI
BE 1011.455.721
Rouvroy · Eq €58,217
V.M.V.S.K.
BE 0477.346.601
Brussel · Eq €58,131
My Business Plan
BE 0647.641.680
Gesves · Eq €58,023
BIO FACTORY
BE 0809.185.480
Etterbeek · Eq €57,921
BEMM GROUP
BE 0755.897.046
Heusden-Zolder · Eq €57,886
Of 12,957 companies in sector 47120 we hold annual accounts for 2,190. 1,525 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-04-2004
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
47279Other retail sale of food
47715Retail trade
47750Retail sale of cosmetics and toilet articles
58290Other software publishing
62200Computer consultancy and computer facilities management
68203Renting and operating of own or leased non-residential real estate, excluding land
Scores and ratios are computed by Checked and are not a credit decision.