OCLA
ActiveSummary
OCLA has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67,704 and a net result of €20,469. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 28% of 9294 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability63▼-9
Solvency35▼-7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity short (current ratio 0.97 against 0.69 in 2024; short-term debt: 21.9% and cash: 7.6% of total assets), and 90.4% of the assets are financed with debt.
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Signals
Four 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
9.6%
Return on assets
2.9%
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 22-07-2026, 9 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
9 d early
2024
13 d early
2023
44 d early
2022
95 d early
2021
29 d late
2021
on the day
2020
82 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 7 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€67,704▼ 46.4%
2024 · €126,383
Total assets
€704,070▼ 3.2%
2024 · €727,146
Net result
€20,469▼ 65.1%
2024 · €58,679
Working capital
-€3,895▲ 96.4%
2024 · -€109,086
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€15,647-€130,475▲ 734%€180,970▲ 38.7%€104,667▼ 42.2%€48,795▼ 53.4%
Net result€6,583-€86,466▲ 1,213%€121,566▲ 40.6%€58,679▼ 51.7%€20,469▼ 65.1%
Equity€89,676-€67,704▼ 24.5%€67,704=€126,383▲ 86.7%€67,704▼ 46.4%
Total assets€631,841-€618,346▼ 2.1%€692,801▲ 12.0%€727,146▲ 5.0%€704,070▼ 3.2%
Debt€542,165-€550,643▲ 1.6%€625,097▲ 13.5%€600,763▼ 3.9%€636,367▲ 5.9%
Working capital-€17,274--€151,762▼ 779%-€168,938▼ 11.3%-€109,086▲ 35.4%-€3,895▲ 96.4%
Staff (FTE)0.80.5▼ 37.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 53% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €704,070
Fixed assets
€553,920 ▲ 14.2%
Current assets
€150,151 ▼ 38.0%
Equity and liabilities €704,070
Equity
€67,704 ▼ 46.4%
Debt
€636,367 ▲ 5.9%
Debt's share of the balance-sheet total rises from 82.6% to 90.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€67,180▼
2024 · €122,563
Cash flow
€38,854▼
2024 · €76,575
Current ratio
0.97▲
2024 · 0.69
Debt to equity
9.40▲
2024 · 4.75
ROE
30.2%▼
2024 · 46.4%
ROA
2.9%▼
2024 · 8.1%
Interest coverage
4.88▼
2024 · 5.16
Debt ≤ 1 year
€154,045▼
2024 · €351,249
Debt > 1 year
€473,373▲
2024 · €230,515
Income taxes
€14,561▼
2024 · €23,380
Staff costs
€26,250▲
2024 · €18,620
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €18,620 | €26,250 | ▲ 41.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,112 | €15,708 | €15,766 | €17,896 | €18,385 | ▲ 2.7% |
| Other operating charges640/8 | €3,794 | €4,382 | €3,612 | €1,887 | €3,916 | ▲ 108% |
| Non-recurring operating charges66A | - | - | €819 | €0 | - | - |
| Gross operating margin9900 | €26,553 | €150,565 | €201,166 | €143,070 | €97,346 | ▼ 32.0% |
| Operating profit (loss)9901 | €15,647 | €130,475 | €180,970 | €104,667 | €48,795 | ▼ 53.4% |
| Financial income75/76B | €0 | €0 | €0 | €1,163 | €0 | ▼ 100% |
| Recurring financial income75 | €0 | €0 | €0 | €1,163 | €0 | ▼ 100% |
| Financial charges65/66B | €3,604 | €7,987 | €9,180 | €23,771 | €13,764 | ▼ 42.1% |
| Recurring financial charges65 | €3,604 | €7,987 | €9,180 | €23,771 | €13,764 | ▼ 42.1% |
| Profit (loss) for the period before taxes9903 | €12,042 | €122,488 | €171,789 | €82,059 | €35,030 | ▼ 57.3% |
| Income taxes67/77 | €5,459 | €36,022 | €50,224 | €23,380 | €14,561 | ▼ 37.7% |
| Profit (loss) for the period9904 | €6,583 | €86,466 | €121,566 | €58,679 | €20,469 | ▼ 65.1% |
| Profit (loss) for the period to be appropriated9905 | €6,583 | €86,466 | €121,566 | €58,679 | €20,469 | ▼ 65.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €631,841 | €618,346 | €692,801 | €727,146 | €704,070 | ▼ 3.2% |
| Formation expenses20 | €170 | €0 | - | - | - | - |
| Fixed assets21/28 | €517,627 | €504,032 | €498,398 | €484,983 | €553,920 | ▲ 14.2% |
| Tangible fixed assets22/27 | €67,627 | €54,032 | €48,398 | €34,983 | €103,920 | ▲ 197% |
| Plant, machinery and equipment23 | €591 | €387 | €8,239 | €7,902 | €5,781 | ▼ 26.8% |
| Furniture and vehicles24 | €67,036 | €53,645 | €40,159 | €27,081 | €47,515 | ▲ 75.5% |
| Leasing and similar rights25 | - | - | - | - | €50,624 | - |
| Financial fixed assets28 | €450,000 | €450,000 | €450,000 | €450,000 | €450,000 | = |
| Current assets29/58 | €114,044 | €114,314 | €194,403 | €242,163 | €150,151 | ▼ 38.0% |
| Amounts receivable within one year40/41 | €68,693 | €23,580 | €62,756 | €75,503 | €89,790 | ▲ 18.9% |
| Trade receivables40 | €66,279 | €22,103 | €31,414 | €37,341 | €43,402 | ▲ 16.2% |
| Other amounts receivable41 | €2,414 | €1,478 | €31,342 | €38,161 | €46,389 | ▲ 21.6% |
| Current investments50/53 | - | - | €50,000 | €0 | - | - |
| Cash at bank and in hand54/58 | €38,188 | €84,659 | €80,373 | €164,324 | €53,778 | ▼ 67.3% |
| Deferred charges and accrued income490/1 | €7,163 | €6,075 | €1,274 | €2,336 | €6,582 | ▲ 182% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €631,841 | €618,346 | €692,801 | €727,146 | €704,070 | ▼ 3.2% |
| Equity10/15 | €89,676 | €67,704 | €67,704 | €126,383 | €67,704 | ▼ 46.4% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €71,076 | €49,104 | €49,104 | €107,783 | €49,104 | ▼ 54.4% |
| Distributable reserves133 | €71,076 | €49,104 | €49,104 | €107,783 | €49,104 | ▼ 54.4% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €542,165 | €550,643 | €625,097 | €600,763 | €636,367 | ▲ 5.9% |
| Amounts payable after more than one year17 | €410,455 | €284,197 | €257,553 | €230,515 | €473,373 | ▲ 105% |
| Financial debts170/4 | €410,455 | €284,197 | €257,553 | €230,515 | €273,211 | ▲ 18.5% |
| Other amounts payable178/9 | - | - | - | - | €200,162 | - |
| Amounts payable within one year42/48 | €131,318 | €266,077 | €363,341 | €351,249 | €154,045 | ▼ 56.1% |
| Current portion of amounts payable after more than one year42 | €27,414 | €27,820 | €28,232 | €28,650 | €41,518 | ▲ 44.9% |
| Trade debts44 | €3,947 | €9,875 | €3,484 | €289 | €767 | ▲ 166% |
| Suppliers440/4 | €3,947 | €9,875 | €3,484 | €289 | €767 | ▲ 166% |
| Advances received on contracts in progress46 | €68,292 | €0 | - | - | - | - |
| Taxes, remuneration and social security45 | €17,109 | €24,370 | €28,199 | €33,535 | €31,005 | ▼ 7.5% |
| Taxes450/3 | €17,109 | €24,370 | €28,199 | €30,016 | €27,657 | ▼ 7.9% |
| Remuneration and social security454/9 | - | - | - | €3,519 | €3,348 | ▼ 4.9% |
| Other amounts payable47/48 | €14,556 | €204,012 | €303,426 | €288,776 | €80,756 | ▼ 72.0% |
| Accrued charges and deferred income492/3 | €392 | €368 | €4,203 | €18,999 | €8,948 | ▼ 52.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,583 | €86,466 | €121,566 | €58,679 | €20,469 | ▼ 65.1% |
| + Depreciation and write-downs630 | €7,112 | €15,708 | €15,766 | €17,896 | €18,385 | ▲ 2.7% |
| Operating cash flow (approximation) | €13,696 | €102,174 | €137,331 | €76,575 | €38,854 | ▼ 49.3% |
| Investment in fixed assets (approximation) | - | -€2,113 | -€10,131 | -€4,481 | -€87,322 | ▼ 1,849% |
| Change in cash | - | €46,471 | -€4,287 | €83,951 | -€110,546 | ▼ 232% |
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
22-05
State Gazette act
Board meeting · Merger
Accounting effect · Board composition
22-05
State Gazette act
Board meeting · Merger
Accounting effect · Power of attorney
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100,000Eq €126,383 ▲86.7%
6 profitable years in a row build equity to €126,383.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €121,566 ▲40.6%
Operating result €180,970, net result €121,566, both a record.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €6,583 ▼57.2%
Net result drops to €6,583, the lowest in the series; recovery starts the following year.
23-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 82 days late
Financial milestoneState Gazette actNBB 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, Pajottegem · 1 establishment unit since 2018
Ground area
2,686 m²
Building footprint
698 m²
Parcel 23040F0085/00D000, Flanders. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
OCLA
since 20182.281.685.369
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23040F0085/00D000 | Flanders | 2,685 m² | 1 · 698 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
60%
According to the 2025 annual accounts of OCLA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 11,756 companies in sector 68310 we hold annual accounts for 6,907. 5,061 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
Founded06-11-2018
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
68310Real estate agency activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0712873982
Also
9925:BE0712873982
Registered
06-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.