OCJ Auto’s
ActiveThe computed 12-month bankruptcy probability of OCJ Auto’s is 1.6% (moderate). The 2025 annual accounts show equity of €342k and a net result of €87k. Equity is growing by ~37.3% per year across the filed fiscal years. Its solvency ranks better than 80% of 10310 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-2
Solvency93▲+20
Growth52=
Track record94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.05 against 1.83 in 2024; short-term debt: 31.4% and cash: 76.7% of total assets), and 31.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
68.4%
Return on assets
17.4%
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 30-06-2026, 31 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
31 d early
2024
36 d early
2023
15 d early
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€342k▲ 34.1%
2024 · €255k
2023: €152k
2024: €255k
2023 → 2025
Total assets
€500k▼ 5.0%
2024 · €526k
2023: €370k
2024: €526k
2023 → 2025
Net result
€87k▼ 15.6%
2024 · €103k
2023: €147k
2024: €103k
2023 → 2025
Working capital
€323k▲ 42.7%
2024 · €226k
2023: €144k
2024: €226k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€152k-€255k▲ 67.9%€342k▲ 34.1%
Operating result€210k-€152k▼ 27.7%€128k▼ 15.7%
Net result€147k-€103k▼ 29.8%€87k▼ 15.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 16% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €500k
Fixed assets
€20k▼ 30.2%
Current assets
€480k▼ 3.6%
Equity and liabilities €500k
Equity
€342k▲ 34.1%
Debt
€158k▼ 41.8%
The debt ratio falls from 51.6% to 31.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€136k▼
2024 · €154k
Cash flow
€95k▼
2024 · €105k
Solvency
68.4%▲
2024 · 48.4%
Current ratio
3.05▲
2024 · 1.83
Quick ratio
2.47▲
2024 · 1.63
Debt / equity
0.46▼
2024 · 1.06
ROE
25.5%▼
2024 · 40.4%
ROA
17.4%▼
2024 · 19.6%
Interest coverage
1481.10▲
2024 · 756.17
Debt
€158k▼
2024 · €271k
Debt ≤ 1 year
€157k▼
2024 · €271k
Income taxes
€41k▼
2024 · €48k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€526k€500k▼
Fixed assets21/28€29k€20k▼
Tangible fixed assets22/27€29k€20k▼
Furniture and vehicles24€29k€20k▼
Current assets29/58€498k€480k▼
Stocks and contracts in progress3€55k€92k▲
Stocks30/36€55k€92k▲
Amounts receivable within one year40/41€44k€2k▼
Trade receivables40€44k€2k▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€397k€383k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€526k€500k▼
Equity10/15€255k€342k▲
Contributions10/11€5k€5k=
Reserves13€250k€337k▲
Distributable reserves133€250k€337k▲
Amounts payable17/49€271k€158k▼
Amounts payable within one year42/48€271k€157k▼
Trade debts44€55k€3k▼
Suppliers440/4€55k€3k▼
Taxes, remuneration and social security45€112k€47k▼
Taxes450/3€112k€47k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€105k€107k▲
Accrued charges and deferred income492/3-€858
Income statement
Code20242025
Non-recurring operating income76A€2k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€8k▲
Other operating charges640/8€993€1k▲
Non-recurring operating charges66A-€1k
Gross operating margin9900€155k€138k▼
Operating profit (loss)9901€152k€128k▼
Financial income75/76B€27€250▲
Recurring financial income75€27€250▲
Financial charges65/66B€203€92▼
Recurring financial charges65€203€92▼
Profit (loss) for the period before taxes9903€152k€128k▼
Income taxes67/77€48k€41k▼
Profit (loss) for the period9904€103k€87k▼
Profit (loss) for the period to be appropriated9905€103k€87k▼
Appropriation of the result
Profit (loss) to be appropriated9906€103k€87k▼
Transfer to equity691/2€103k€87k▼
To other reserves6921€103k€87k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €87k ▼15.6%
Net result drops to €87k, the lowest in the series.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €200kEq €255k ▲67.9%
2 profitable years in a row build equity to €255k.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Geel · 1 establishment unit since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Oude-Brugweg 272440 GeelGround area
338 m²
Building footprint
101 m²
Volume, LiDAR
462 m³
Parcel 13372C0192/00B002, Flanders · tallest building 8.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
OCJ Auto’s
since 20222.331.799.826
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13372C0192/00B002 | Flanders | 338 m² | 1 · 101 m² | 8.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
BLOCKEEL CHRIST
BE 0885.985.330
Waregem · Eq €342k
CLAEYS DEPANNAGEDIENST
BE 0860.024.467
Knokke-Heist · Eq €342k
GARAGE WOLFVELDE
BE 0879.760.702
Avelgem · Eq €342k
GEPA GENK
BE 0414.272.746
Genk · Eq €341k
Automobiles-François
BE 0428.182.744
Neufchâteau · Eq €341k
Of 10,674 companies in sector 47811 we hold annual accounts for 5,223. 3,613 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-06-2022
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.