Equity
€314,888 from €935,600 in 2019
Equity fell by 66% in 6 years.
OJ
Lifetime
18 annual accounts with figures on one time axis, 19 filings since 2005peak €251,574 (2014)
-€69,980▼ €129,695
lowest -€482,757 (2019)
-€219,996▼ €124,765
peak €935,600 (2019)
€314,888▼ 41.1%
€3.5m▲ 3.7%
peak 0.8 FTE (2010)
-not published
Board1 name since 2021
-
Documentsfilings and deeds
28-09-202659 days late
2025micro format
Gross margin from €59,715 to -€69,980Loss of €219,996Equity from €534,884 to €314,888Cash from €8,101 to €11,196
Key points
from the 2025 annual accountsLosses
-€1.3m in nine years
Every financial year from 2015 to 2025 closed with a loss. 2019 was the heaviest.
Debts
€3.5m 92% of the balance sheet
Suppliers 1%Taxes and wages 0%Other 99%
2025 accounts filed 59 days after the deadline
Checked score
66
Healthy
Financially stronger than 5% of small companies in head offices and management consultancy (NACE 70)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 4,522 companies (NACE 70, small).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024lowest value
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.3%▲ +0.1 percentage points vs 05-2025
07-2025: 0.4%▲ +0.1 percentage points vs 06-2025
08-2025: 0.6%▲ +0.2 percentage points vs 07-2025
09-2025: 0.6%● unchanged vs 08-2025
10-2025: 0.6%● unchanged vs 09-2025
11-2025: 0.6%● unchanged vs 10-2025
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.7%▲ +0.1 percentage points vs 01-2026
03-2026: 0.8%▲ +0.1 percentage points vs 02-2026
04-2026: 0.8%● unchanged vs 03-2026
05-2026: 0.8%● unchanged vs 04-2026
06-2026: 0.9%▲ +0.1 percentage points vs 05-2026
07-2026: 0.9%● unchanged vs 06-2026
08-2026: 1.3%▲ +0.4 percentage points vs 07-2026
09-2026: 1.5%▲ +0.2 percentage points vs 08-2026highest value
10-2026: 0.7%▼ -0.8 percentage points vs 09-2026
11-2026: 0.7%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 0.28, cash €11,196
Last filed accounts filed 59 days late; 3 of the last 3 accounts late
lowers risk
Size: total assets €3.8m
Figures for financial year 2025 (filed on 28-09-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, small). It does better than 12% of them on solvency, 1% on liquidity, 4% on profitability and 5% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,104 companies had the same profile as OJ has now. Each dot stands for 3 companies, two years later.
94.2%
were still trading
3.6%
stopped another way
1.8%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of OJ itself: 0.7% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,104 companies, not a prediction for OJ. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €20,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.28 (0.29 in 2024), below 1. Short-term debt is 91.7% and cash 0.3% of total assets. 91.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
181922232425
2018 to 2025 · latest year -€219,996
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 39376 sector peers (2025).
NBB · sector comparisonPosition among 39376 sector peers
Solvency
better than 15%
← weakest
strongest →
raises risk · 2025 accounts filed 59 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-09-2026, 59 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
59 days late
2024
43 days late
2023
37 days late
2022
32 days late
2019
24 days late
2018
58 days late
2017
198 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 64 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 7 September (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Resignation: Oksana BASSANI (manager)
Director discharge: Oksana BASSANI · General meeting of 11-01-2021 · Gazette deed
Merger: O.J. takes over L'ATELIERDUMENUISIER
General meeting of 30-12-2019 · Gazette deed
Merger proposal: O.J. takes over L'Atelier du Menuisier
Gazette deed
First establishment
Grand Route 28, Pecq
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| OJ Pecq | €3.8m | -€69,980 | 8.3% | - |
| 4XScience Kortenberg | €3.7m | -€36,711 | 99.6% | 0 |
| XEON Kortrijk | €3.9m | -€73,996 | 72.0% | 0 |
| JAN POPELIER Beernem | €3.7m | -€4,584 | 61.7% | 0 |
| POPAY CORPORATE Merelbeke-Melle | €3.6m | -€123,959 | -20.7% | - |
| De Keuvel Knokke-Heist | €3.8m | -€11,372 | 85.0% | - |
| finInvest Ghent | €3.6m | -€42,574 | 51.1% | - |
These companies have the same main activity as OJ: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €3.6m and €3.9m, founded between 2004 and 2005.
Official details
Source: KBO- Status
- Active since 07-10-2004Normal situation
- Activity
- Business and other management consultancyNACE 70200and 2 others
- Establishment unit
- 2.145.430.8557740 Pecq, since 01-01-2005
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on OJ
OJ files the micro format. That format states no turnover. The gross margin fell from -€6,870 in 2006 to -€69,980 in 2025.
The balance sheet grew most in 2019 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about OJ
- What is the company number of OJ?
- The company number of OJ is 0867.698.157. The VAT number is the same number with BE in front: BE 0867.698.157.
- Where is OJ based?
- The registered office is at Grand Route 28, 7740 Pecq.Company details
- What does OJ do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of OJ?
- OJ is a private limited company (pre-2019) (BVBA).
- When was OJ founded?
- OJ was founded on 07-10-2004.
- Is OJ still active?
- Yes, OJ is an active enterprise in the KBO register.
- What is the turnover of OJ?
- The annual accounts for financial year 2025 state no turnover.Financials
- Is OJ profitable?
- In financial year 2025, OJ made a loss of €219,996.
- Where can I find the annual accounts of OJ?
- OJ filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of OJ due?
- OJ must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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