Office & Retail

Active

Private limited companyfounded 20224 yrs activeBosveld(STG) 20, 9200 Dendermonde, BelgiumKBO/BCE: BE 0781.787.633

Summary

Office & Retail has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18,640 and a net result of -€10,676. Equity is shrinking by ~22.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. The computed 12-month bankruptcy probability is 1.4% (low).

Risk analysisWatch Report Compare

Office & RetailActiveChecked score 61/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€262,993total assets 2025

Equity: €18,640
Loss: -€10,676

Turnover not published (abridged schema)

Financial health

61 Healthy Checked score 2025

Bankruptcy chance 12 m: 1.4%

Structure

Parent: Veldeman Management Company · 56%
Holdings: 1

Accounts filed 61 d late0 of 3 deeds read

Why 61- Latest accounts 61 days late; 1 of the last 3 late- Founded in 2022+ Size: total assets €262,993+ No main activity registeredShow the evidence

Checked score

Score 2025

61 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 13% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 32-5

equity 7.1% of total assets

Liquidity 3-4

short-term debt 92.9% · cash 2.2%

Profitability 14-1

return on assets -4.1%

Bankruptcy probability, 12 months

1.4% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 19 months 04-2025: 2.6% 05-2025: 3.2%▲ +23.1% vs 04-2025 06-2025: 3.8%▲ +16.7% vs 05-2025highest value 07-2025: 1.5%▼ -59.3% vs 06-2025 08-2025: 1.5%● 0.0% vs 07-2025 09-2025: 1.5%● 0.0% vs 08-2025 10-2025: 1.5%● 0.0% vs 09-2025 11-2025: 1.5%▼ -0.9% vs 10-2025 12-2025: 1.5%● 0.0% vs 11-2025 01-2026: 1.5%▲ +2.0% vs 12-2025 02-2026: 1.5%▼ -3.2% vs 01-2026 03-2026: 1.5%▼ -1.3% vs 02-2026 04-2026: 1.9%▲ +27.1% vs 03-2026 05-2026: 2.3%▲ +24.4% vs 04-2026 06-2026: 2.8%▲ +17.9% vs 05-2026 07-2026: 2.9%▲ +5.0% vs 06-2026 08-2026: 3.4%▲ +18.7% vs 07-2026 09-2026: 1.6%▼ -53.5% vs 08-2026 10-2026: 1.4%▼ -9.4% vs 09-2026lowest value

Size: total assets €262,993 lowers the probability for this profile
Latest accounts 61 days late; 1 of the last 3 late raises the probability
Founded in 2022 raises the probability for this profile
No main activity registered lowers the probability

Credit up to €1,000 at 30 days acceptable

Liquidity short (current ratio 0.02 against 0.04 in 2024; short-term debt: 92.9% and cash: 2.2% of total assets), and 92.9% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 21%, liquidity 6%, profitability 13%, growth against the median 12%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Size: total assets €262,993

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Latest accounts 61 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Founded in 2022

In the bankruptcy model this factor raises the probability for this profile.

KBO

No main activity registered

In the bankruptcy model this factor lowers the probability.

KBO

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

22232425

2022 to 2025 · latest year -€10,676

A punctual record breaks

This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.

NBB · 4 filings

Deviation from the deadline

2025

61 d late

2024

34 d early

2023

51 d early

2022

40 d early

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 4 accounts on average 16 days before 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)

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 24 June (3 of the last 4 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage