OL ADVISOR
ActiveSummary
OL ADVISOR has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €117,003 and a net result of €45,911. Equity is growing by ~27.7% per year across the filed fiscal years. Its solvency ranks better than 86% of 20783 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability50▼-50
Solvency100▲+23
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 10.96 against 2.11 in 2023; short-term debt: 9.1% and cash: 8.9% of total assets), and 10.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
92 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
92 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 51 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
€113,992
EBIT margin
4.1%
Net result
€45,911▼ 8.6%
2023 · €50,246
Working capital
€119,315▲ 67.8%
2023 · €71,116
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover
Operating result€20,590▲ 13.7%-€2,410-€4,402▼ 82.7%€8,326-€4,114
Net result€13,805within the sector's middle half▲ 41.4%€12,447within the sector's middle half▼ 9.8%€25,095within the sector's middle half▲ 102%€50,246above the sector's middle half▲ 100%€45,911within the sector's middle half▼ 8.6%
EBIT margin
Equity€34,904below the sector's middle half▲ 65.4%€47,351within the sector's middle half▲ 35.7%€72,447within the sector's middle half▲ 53.0%€71,092within the sector's middle half▼ 1.9%€117,003within the sector's middle half▲ 64.6%
Total assets€67,817below the sector's middle half▲ 4.8%€65,474below the sector's middle half▼ 3.5%€85,779within the sector's middle half▲ 31.0%€137,519within the sector's middle half▲ 60.3%€131,296within the sector's middle half▼ 4.5%
Debt€32,913▼ 24.5%€18,123▼ 44.9%€13,332▼ 26.4%€66,427▲ 398%€14,293▼ 78.5%
Working capital€9,221€27,123▲ 194%€53,870▲ 98.6%€71,116▲ 32.0%€119,315▲ 67.8%
Solvency51.5%within the sector's middle half▲ 18.9pp72.3%above the sector's middle half▲ 20.9pp84.5%above the sector's middle half▲ 12.1pp51.7%within the sector's middle half▼ 32.8pp89.1%above the sector's middle half▲ 37.4pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €4,114 after €8,326 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €131,296
Equity
€117,003 ▲ 64.6%
Debt
€14,293 ▼ 78.5%
Debt's share of the balance-sheet total falls from 48.3% to 10.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
-€1,826
Cash flow
€48,199
Current ratio
10.96▲
2023 · 2.11
Debt to equity
0.12▼
2023 · 0.93
ROE
39.2%▼
2023 · 70.7%
ROA
35.0%▼
2023 · 36.5%
Interest coverage
-13.52
Debt ≤ 1 year
€11,981▼
2023 · €64,115
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 34,672 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.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,443 | €1,652 | €1,652 | - | €2,288 | - |
| Other operating charges640/8 | - | - | - | - | €1 | - |
| Gross operating margin9900 | €31,686 | -€758 | -€2,750 | €8,326 | -€1,825 | ▼ 122% |
| Operating profit (loss)9901 | €20,590 | -€2,410 | -€4,402 | €8,326 | -€4,114 | ▼ 149% |
| Financial income75/76B | - | €15,000 | €30,000 | €44,108 | €50,160 | ▲ 13.7% |
| Recurring financial income75 | - | €15,000 | €30,000 | €44,108 | €50,160 | ▲ 13.7% |
| Financial charges65/66B | - | €143 | €503 | €188 | €135 | ▼ 28.2% |
| Recurring financial charges65 | €535 | €143 | €503 | €188 | €135 | ▼ 28.2% |
| Profit (loss) for the period before taxes9903 | €20,055 | €12,447 | €25,095 | €52,246 | €45,911 | ▼ 12.1% |
| Income taxes67/77 | €6,250 | - | - | €2,000 | - | - |
| Profit (loss) for the period9904 | €13,805 | €12,447 | €25,095 | €50,246 | €45,911 | ▼ 8.6% |
| Profit (loss) for the period to be appropriated9905 | €13,805 | €12,447 | €25,095 | €50,246 | €45,911 | ▼ 8.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €67,817 | €65,474 | €85,779 | €137,519 | €131,296 | ▼ 4.5% |
| Fixed assets21/28 | €29,892 | €22,540 | €20,888 | €2,288 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €11,292 | €3,940 | €2,288 | €2,288 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | €0 | - | - | - | - |
| Other tangible fixed assets26 | - | €3,940 | €2,288 | €2,288 | €0 | ▼ 100% |
| Financial fixed assets28 | €18,600 | €18,600 | €18,600 | - | - | - |
| Current assets29/58 | €37,924 | €42,934 | €64,890 | €135,231 | €131,296 | ▼ 2.9% |
| Amounts receivable within one year40/41 | €23,287 | €453 | €4,249 | €49,699 | €55,167 | ▲ 11.0% |
| Trade receivables40 | - | - | - | €2,825 | - | - |
| Other amounts receivable41 | - | €453 | €4,249 | €46,874 | €55,167 | ▲ 17.7% |
| Cash at bank and in hand54/58 | €14,638 | €27,481 | €21,968 | €41,532 | €11,629 | ▼ 72.0% |
| Deferred charges and accrued income490/1 | - | €15,000 | €38,674 | €44,000 | €64,500 | ▲ 46.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €67,817 | €65,474 | €85,779 | €137,519 | €131,296 | ▼ 4.5% |
| Equity10/15 | €34,904 | €47,351 | €72,447 | €71,092 | €117,003 | ▲ 64.6% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | - | - | - |
| Capital10 | - | €18,600 | €18,600 | - | - | - |
| Issued capital100 | - | €18,600 | €18,600 | - | - | - |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Legal reserve130 | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | - | - | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €14,444 | €26,891 | €51,987 | €69,232 | €115,143 | ▲ 66.3% |
| Amounts payable17/49 | €32,913 | €18,123 | €13,332 | €66,427 | €14,293 | ▼ 78.5% |
| Amounts payable within one year42/48 | €28,703 | €15,811 | €11,020 | €64,115 | €11,981 | ▼ 81.3% |
| Trade debts44 | €421 | €4,734 | €4,443 | €3,387 | €3,404 | ▲ 0.5% |
| Suppliers440/4 | - | €4,734 | €4,443 | €3,387 | €3,404 | ▲ 0.5% |
| Taxes, remuneration and social security45 | - | €5,203 | €703 | €11,504 | €2,703 | ▼ 76.5% |
| Taxes450/3 | - | €3,337 | €703 | €10,801 | €2,000 | ▼ 81.5% |
| Remuneration and social security454/9 | - | €1,866 | - | €703 | €703 | = |
| Other amounts payable47/48 | - | €5,874 | €5,874 | €49,224 | €5,874 | ▼ 88.1% |
| Accrued charges and deferred income492/3 | - | €2,312 | €2,312 | €2,312 | €2,312 | = |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13,805 | €12,447 | €25,095 | €50,246 | €45,911 | ▼ 8.6% |
| + Depreciation and write-downs630 | €8,443 | €1,652 | €1,652 | - | €2,288 | - |
| Operating cash flow (approximation) | €22,248 | €14,099 | €26,747 | €50,246 | €48,199 | ▼ 4.1% |
| Investment in fixed assets (approximation) | - | €5,700 | €0 | €18,600 | €0 | ▼ 100% |
| Change in cash | - | €12,843 | -€5,513 | €19,565 | -€29,904 | ▼ 253% |
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
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Liquidity times 5current ratio 10.96
Current ratio from 2.11 to 10.96; short-term debt falls from €64,115 to €11,981.
31-12
Financial
Equity above €100,000Eq €117,003 ▲64.6%
7 profitable years in a row build equity to €117,003.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Highest result since 2018net €50,246 ▲100%
Net result €50,246, the highest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 5.89
Current ratio from 2.72 to 5.89; short-term debt falls from €15,811 to €11,020.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 2.72
Current ratio from 1.32 to 2.72; short-term debt falls from €28,703 to €15,811.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 92 days late
2019
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 16 days late
Show earlier events
2018
26-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 26 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
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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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, Tinlot · 1 establishment unit since 2014
Ground area
1,096 m²
Building footprint
92 m²
Parcel 61001A0218/00B002, Wallonia. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Rue des Aubépines 3, 4557 Tinlot
since 20142.239.399.012
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61001A0218/00B002 | Wallonia | 1,096 m² | 1 · 92 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.
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Of 3,214 companies in sector 62900 we hold annual accounts for 1,743. 1,407 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
Founded31-12-2014
Fiscal year end31-12
Activities, NACEBEL 2025
62900Other information technology and computer services
62100Computer programming
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0507848646
Also
9925:BE0507848646
Registered
12-02-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.