OCpalo
ActiveSummary
The computed 12-month bankruptcy probability of OCpalo is 6.5% (elevated). The 2025 annual accounts show negative equity (-€23,783) and a net result of -€90,138. Equity is shrinking by ~89.5% per year across the filed fiscal years. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Activity not known1 site
How big
€560,236total assets 2025
- Equity
- -€23,783
- Loss
- -€90,138
Turnover not published (abridged schema)
Who decides
Accounts filed 31 d late0 of 1 deed read
Why 26- Young company- No NACE activity registered- Higher-failure-rate region- Annual accounts: weaker financial profile- Negative equityFiled after the deadlineShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency21▼-56
Growth32▼-46
Track record82
Bankruptcy probability, 12 months
6.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.15 against 1.39 in 2024; short-term debt: 14.4% and cash: 1.9% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
-4.2%
Return on assets
-16.1%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year -€23,783
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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 3 accounts on average 20 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 30 August (3 of the last 3 filed years within 31 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet -€90,138
- Annual accounts filedfiscal year 2024 · micro…
Financials
Fiscal year 2025Total assets €560,236Loss -€90,138Solvency -4.2%Liquidity 0.15
Total assets
€560,236▲ 341%
2023 - 2025
Net result
-€90,138
2023 - 2025
Equity
-€23,783
2023 - 2025
Solvency
-4.2%▼ 56.5pp
2023 - 2025
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In euros
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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€44,316-€51,788▲ 16.9%-€80,243
Net result€30,141-€36,213▲ 20.1%-€90,138
Equity€30,142-€66,355▲ 120%-€23,783
Total assets€106,856-€127,016▲ 18.9%€560,236▲ 341%
Debt€76,714-€60,661▼ 20.9%€584,020▲ 863%
Working capital-€23,809-€23,404-€68,728
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €80,243 after €51,788 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €560,236
Fixed assets
€548,402 ▲ 1,177%
Current assets
€11,834 ▼ 85.9%
Equity and liabilities
Equity-€23,783
Debt€584,020
Equity is negative: debt (€584,020) exceeds the balance-sheet total (€560,236).
Key figures and ratios
Key figures and ratios
EBITDA
-€4,404▼
2024 · €64,288
Cash flow
-€14,298▼
2024 · €48,713
Solvency
-4.2%▼
2024 · 52.2%
Current ratio
0.15▼
2024 · 1.39
ROA
-16.1%▼
2024 · 28.5%
Interest coverage
-0.36▼
2024 · 7859.19
Debt ≤ 1 year
€80,562▲
2024 · €60,661
Debt > 1 year
€500,335
Income taxes
-€2,430▼
2024 · €15,567
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 490 companies that looked in July 2024 the way this one looks now, 6.7% went bankrupt within 24 months and 89% are still going.
- Small
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
6.7%
went bankrupt
3.9%
stopped otherwise
89%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 6.5% 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 497,341 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 490 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.
Filed annual accounts
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,762 | €12,500 | €75,840 | ▲ 507% |
| Other operating charges640/8 | €101 | €1,195 | €3,042 | ▲ 154% |
| Gross operating margin9900 | €53,179 | €65,483 | -€1,362 | ▼ 102% |
| Operating profit (loss)9901 | €44,316 | €51,788 | -€80,243 | ▼ 255% |
| Financial income75/76B | - | - | €2 | - |
| Recurring financial income75 | - | - | €2 | - |
| Financial charges65/66B | - | €8 | €12,327 | ▲ 150,595% |
| Recurring financial charges65 | - | €8 | €12,327 | ▲ 150,595% |
| Profit (loss) for the period before taxes9903 | €44,316 | €51,780 | -€92,568 | ▼ 279% |
| Income taxes67/77 | €14,175 | €15,567 | -€2,430 | ▼ 116% |
| Profit (loss) for the period9904 | €30,141 | €36,213 | -€90,138 | ▼ 349% |
| Profit (loss) for the period to be appropriated9905 | €30,141 | €36,213 | -€90,138 | ▼ 349% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €106,856 | €127,016 | €560,236 | ▲ 341% |
| Fixed assets21/28 | €53,951 | €42,951 | €548,402 | ▲ 1,177% |
| Intangible fixed assets21 | €53,951 | €41,951 | €29,951 | ▼ 28.6% |
| Tangible fixed assets22/27 | - | €1,000 | €518,452 | ▲ 51,743% |
| Land and buildings22 | - | - | €508,016 | - |
| Furniture and vehicles24 | - | €1,000 | €10,436 | ▲ 944% |
| Current assets29/58 | €52,905 | €84,065 | €11,834 | ▼ 85.9% |
| Amounts receivable after more than one year29 | - | - | €334 | - |
| Other amounts receivable291 | - | - | €334 | - |
| Cash at bank and in hand54/58 | €42,081 | €79,530 | €10,793 | ▼ 86.4% |
| Deferred charges and accrued income490/1 | €10,824 | €4,536 | €707 | ▼ 84.4% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €106,856 | €127,016 | €560,236 | ▲ 341% |
| Equity10/15 | €30,142 | €66,355 | -€23,783 | ▼ 136% |
| Contributions10/11 | €1 | €1 | €1 | = |
| Reserves13 | €30,000 | €30,000 | €30,000 | = |
| Distributable reserves133 | €30,000 | €30,000 | €30,000 | = |
| Profit (loss) carried forward14 | €141 | €36,354 | -€53,784 | ▼ 248% |
| Amounts payable17/49 | €76,714 | €60,661 | €584,020 | ▲ 863% |
| Amounts payable after more than one year17 | - | - | €500,335 | - |
| Financial debts170/4 | - | - | €500,275 | - |
| Other amounts payable178/9 | - | - | €60 | - |
| Amounts payable within one year42/48 | €76,714 | €60,661 | €80,562 | ▲ 32.8% |
| Current portion of amounts payable after more than one year42 | - | - | €23,622 | - |
| Trade debts44 | €6,994 | €484 | €371 | ▼ 23.3% |
| Suppliers440/4 | €6,994 | €484 | €371 | ▼ 23.3% |
| Taxes, remuneration and social security45 | €14,175 | €16,918 | €13,138 | ▼ 22.3% |
| Taxes450/3 | €14,175 | €16,918 | €13,138 | ▼ 22.3% |
| Other amounts payable47/48 | €55,545 | €43,259 | €43,431 | ▲ 0.4% |
| Accrued charges and deferred income492/3 | - | - | €3,122 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €30,141 | €36,213 | -€90,138 | ▼ 349% |
| + Depreciation and write-downs630 | €8,762 | €12,500 | €75,840 | ▲ 507% |
| Operating cash flow (approximation) | €38,903 | €48,713 | -€14,298 | ▼ 129% |
| Investment in fixed assets (approximation) | - | -€1,500 | -€581,291 | ▼ 38,653% |
| Change in cash | - | €37,449 | -€68,737 | ▼ 284% |
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
6 eventsLatest 31-08-2026Next filing 31-07-2027
History
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
31-12
Financial
Weakest financial yearnet -€90,138
Net result drops to -€90,138, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Highest result since 2023net €36,213 ▲20.1%
Operating result €51,788, net result €36,213, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.39
Current ratio from 0.69 to 1.39; short-term debt falls from €76,714 to €60,661.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · 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.
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Company details
Private limited company · founded 04-12-2023Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded04-12-2023
Fiscal year end31-12
Contact
E-mail
oceane.vdw@gmail.com
Phone
+32476387509
E-invoicing
Reachable via Peppol
Peppol ID
0208:1002934765
Also
9925:BE1002934765
Registered
13-08-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Jette · 1 establishment unit since 2023
Ground area
574 m²
Building footprint
391 m²
Volume, LiDAR
5,161 m³
2 parcels, Brussels, Flanders · tallest building 18.4 m, ±5 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
OCPalo
since 2023unit no. 2.353.845.055
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21463D0202/02L003 | Brussels | 292 m² | 1 · 119 m² | 14.8 m · 4 fl. |
| 22662B0341/00G004 | Flanders | 282 m² | 1 · 272 m² | 18.4 m · 5 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.
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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