OCCIDENTALE
ActiveSummary
The computed 12-month bankruptcy probability of OCCIDENTALE is 2.4% (moderate). The 2025 annual accounts show negative equity (-€8,086) and a net result of -€15,840. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 15% of 18716 sector peers (fiscal year 2025). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0▼-52
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.68 against 1.18 in 2024; short-term debt: 127% and cash: 2.3% of total assets), and equity is negative.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-27%
Return on assets
-52.9%
Age of the figures
9 mo
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 · 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 →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€8,086
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
10 d early
2023
19 d late
2022
14 d early
2021
64 d late
2020
5 d early
2019
31 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 17 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 20 August (4 of the last 5 filed years within 34 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Equity
-€8,086
2024 · €7,753
Total assets
€29,943▲ 2.8%
2024 · €29,128
Net result
-€15,840▲ 22.8%
2024 · -€20,516
Working capital
-€11,986
2024 · €3,853
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€18,746▲ 153%€5,066▼ 73.0%€1,793▼ 64.6%-€20,378-€14,552▲ 28.6%
Net result€13,801within the sector's middle half▲ 95.7%€1,385within the sector's middle half▼ 90.0%€934within the sector's middle half▼ 32.6%-€20,516below the sector's middle half-€15,840below the sector's middle half▲ 22.8%
Equity€27,149within the sector's middle half▲ 16.3%€27,334within the sector's middle half▲ 0.7%€28,269within the sector's middle half▲ 3.4%€7,753within the sector's middle half▼ 72.6%-€8,086below the sector's middle half
Total assets€40,933below the sector's middle half▲ 44.1%€31,931below the sector's middle half▼ 22.0%€34,191below the sector's middle half▲ 7.1%€29,128below the sector's middle half▼ 14.8%€29,943below the sector's middle half▲ 2.8%
Debt€13,784▲ 173%€4,596▼ 66.7%€5,923▲ 28.9%€21,375▲ 261%€38,029▲ 77.9%
Working capital€23,399within the sector's middle half▲ 19.4%€23,434within the sector's middle half▲ 0.2%€24,369within the sector's middle half▲ 4.0%€3,853within the sector's middle half▼ 84.2%-€11,986below the sector's middle half
Solvency66.3%above the sector's middle half▼ 15.9pp85.6%above the sector's middle half▲ 19.3pp82.7%above the sector's middle half▼ 2.9pp26.6%within the sector's middle half▼ 56.1pp-27.0%below the sector's middle half▼ 53.6pp
Current ratio2.70within the sector's middle half▼ 2.186.10above the sector's middle half▲ 3.405.11above the sector's middle half▼ 0.981.18within the sector's middle half▼ 3.930.68below the sector's middle half▼ 0.50
Return on assets (ROA)33.7%above the sector's middle half▲ 8.9pp4.3%within the sector's middle half▼ 29.4pp2.7%within the sector's middle half▼ 1.6pp-70.4%below the sector's middle half▼ 73.2pp-52.9%below the sector's middle half▲ 17.5pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14,552 in 2025 against €20,378 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €29,943
Fixed assets
€3,900 =
Current assets
€26,043 ▲ 3.2%
Key figures and ratios
Quick ratio
0.64▼
2024 · 1.04
Debt to equity
-4.70▼
2024 · 2.76
Debt ≤ 1 year
€38,029▲
2024 · €21,375
Income taxes
€1,123
Staff costs
€66,344▼
2024 · €68,030
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,621 companies that looked in July 2024 the way this one looks now, 4.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.5%
went bankrupt
10.0%
stopped otherwise
84%
still going
A further 1.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,621 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €9,179 | €31,461 | €68,030 | €66,344 | ▼ 2.5% |
| Other operating charges640/8 | €640 | €571 | €2,412 | €711 | €445 | ▼ 37.5% |
| Gross operating margin9900 | €19,386 | €14,815 | €35,666 | €48,363 | €52,237 | ▲ 8.0% |
| Operating profit (loss)9901 | €18,746 | €5,066 | €1,793 | -€20,378 | -€14,552 | ▲ 28.6% |
| Financial charges65/66B | €130 | €120 | €90 | €137 | €165 | ▲ 20.0% |
| Recurring financial charges65 | €130 | €120 | €90 | €137 | €165 | ▲ 20.0% |
| Profit (loss) for the period before taxes9903 | €18,616 | €4,946 | €1,703 | -€20,516 | -€14,716 | ▲ 28.3% |
| Income taxes67/77 | €4,815 | €3,561 | €769 | - | €1,123 | - |
| Profit (loss) for the period9904 | €13,801 | €1,385 | €934 | -€20,516 | -€15,840 | ▲ 22.8% |
| Profit (loss) for the period to be appropriated9905 | €13,801 | €1,385 | €934 | -€20,516 | -€15,840 | ▲ 22.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €40,933 | €31,931 | €34,191 | €29,128 | €29,943 | ▲ 2.8% |
| Fixed assets21/28 | €3,750 | €3,900 | €3,900 | €3,900 | €3,900 | = |
| Financial fixed assets28 | €3,750 | €3,900 | €3,900 | €3,900 | €3,900 | = |
| Current assets29/58 | €37,183 | €28,031 | €30,291 | €25,228 | €26,043 | ▲ 3.2% |
| Stocks and contracts in progress3 | €467 | €587 | €1,852 | €3,092 | €1,517 | ▼ 50.9% |
| Stocks30/36 | €467 | €587 | €1,852 | €3,092 | €1,517 | ▼ 50.9% |
| Amounts receivable within one year40/41 | €11,414 | €11,731 | €16,270 | €17,741 | €23,827 | ▲ 34.3% |
| Trade receivables40 | €3,923 | €3,923 | €7,996 | €9,270 | €8,927 | ▼ 3.7% |
| Other amounts receivable41 | €7,491 | €7,809 | €8,274 | €8,471 | €14,900 | ▲ 75.9% |
| Cash at bank and in hand54/58 | €25,302 | €15,713 | €12,170 | €4,396 | €699 | ▼ 84.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €40,933 | €31,931 | €34,191 | €29,128 | €29,943 | ▲ 2.8% |
| Equity10/15 | €27,149 | €27,334 | €28,269 | €7,753 | -€8,086 | ▼ 204% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €35 | €35 | €35 | €35 | €35 | = |
| Non-distributable reserves130/1 | €35 | €35 | €35 | €35 | €35 | = |
| Reserves not available under the articles1311 | €35 | €35 | €35 | €35 | €35 | = |
| Profit (loss) carried forward14 | €8,522 | €8,707 | €9,641 | -€10,874 | -€26,714 | ▼ 146% |
| Amounts payable17/49 | €13,784 | €4,596 | €5,923 | €21,375 | €38,029 | ▲ 77.9% |
| Amounts payable within one year42/48 | €13,784 | €4,596 | €5,923 | €21,375 | €38,029 | ▲ 77.9% |
| Trade debts44 | €3,784 | €2,538 | €3,633 | €4,857 | €1,255 | ▼ 74.2% |
| Suppliers440/4 | €3,784 | €2,538 | €3,633 | €4,857 | €1,255 | ▼ 74.2% |
| Taxes, remuneration and social security45 | - | €858 | €2,289 | €16,518 | €36,774 | ▲ 123% |
| Taxes450/3 | - | €333 | €1,938 | €2,259 | €2,117 | ▼ 6.3% |
| Remuneration and social security454/9 | - | €524 | €352 | €14,259 | €34,657 | ▲ 143% |
| Other amounts payable47/48 | €10,000 | €1,200 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13,801 | €1,385 | €934 | -€20,516 | -€15,840 | ▲ 22.8% |
| Operating cash flow (approximation) | €13,801 | €1,385 | €934 | -€20,516 | -€15,840 | ▲ 22.8% |
| Investment in fixed assets (approximation) | - | -€150 | €0 | €0 | €0 | - |
| Change in cash | - | -€9,590 | -€3,543 | -€7,774 | -€3,697 | ▲ 52.4% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
21-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€20,516
Net result drops to -€20,516, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 6.10
Current ratio from 2.70 to 6.10; short-term debt falls from €13,784 to €4,596.
03-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 64 days late
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Highest result since 2018net €24,212 ▲1,294%
Operating result €24,326, net result €24,212, both a record.
31-12
Financial
Liquidity times 15current ratio 10.58
Current ratio from 0.72 to 10.58; short-term debt falls from €45,697 to €1,568.
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 45 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are 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, Brussel · 2 establishment units since 1998
Ground area
175 m²
Building footprint
114 m²
Volume, LiDAR
1,070 m³
2 parcels, Brussels · tallest building 16.4 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Hoogstraat 344, 1000 Brussel
since 19982.088.268.359
Alsembergsesteenweg 859, 1180 Ukkel
since 20182.274.212.213
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21808H0010/00P002 | Brussels | 114 m² | 1 · 114 m² | 16.4 m · 4 fl. |
| 21616A0133/00A002 | Brussels | 61 m² | - | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.088.268.359
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Of 2,404 companies in sector 47241 we hold annual accounts for 1,101. 592 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
Founded14-07-1998
Fiscal year end31-12
Activities, NACEBEL 2025
47241Retail sale of bread and pastry (bakery outlets)
Contact
E-mail
occidentale497@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0463821138
Also
9925:BE0463821138
Registered
31-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.