OLO
ActiveSummary
The computed 12-month bankruptcy probability of OLO is 1.6% (moderate). The 2025 annual accounts show equity of €57,009 and a net result of -€10,057. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 15% of 4909 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability34▲+34
Solvency38▲+3
Growth85▲+17
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.1 against 1.06 in 2024; short-term debt: 86.9% and cash: 14.5% of total assets), and 86.9% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
13.1%
Return on assets
-2.3%
Age of the figures
9 mo
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
19202122232425
2019 to 2025 · latest year -€10,057
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 4909 sector peers (2025).
NBB · sector comparisonPosition among 4909 sector peers
Solvency
better than 15%
← weakest
strongest →
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 10-06-2026, 51 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
51 d early
2024
4 d early
2023
64 d late
2022
129 d late
2021
283 d late
2020
109 d late
2019
136 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 95 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator 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 How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
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Financials · fiscal year 2025, full schema
Turnover
€4.9m▲ 83.0%
2019 · €2.7m
EBIT margin
-0.6%▲ 0.7pp
2019 · -1.3%
Net result
-€10,057▲ 92.3%
2024 · -€130,980
Working capital
€38,433▲ 10.2%
2024 · €34,873
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
Turnover
Operating result€67,108€276,073▲ 311%€32,659▼ 88.2%-€116,365-€7,349▲ 93.7%
Net result€61,222€192,761▲ 215%-€11,563-€130,980▼ 1,033%-€10,057▲ 92.3%
EBIT margin
Equity€16,848€209,609▲ 1,144%€198,046▼ 5.5%€67,066▼ 66.1%€57,009▼ 15.0%
Total assets€1.1m▼ 8.0%€1.6m▲ 39.3%€1.4m▼ 9.0%€652,393▼ 54.7%€435,905▼ 33.2%
Debt€1.1m▼ 12.5%€1.4m▲ 22.7%€1.2m▼ 9.5%€585,326▼ 52.9%€378,895▼ 35.3%
Working capital€805,796▼ 8.3%€163,649▼ 79.7%€149,052▼ 8.9%€34,873▼ 76.6%€38,433▲ 10.2%
Staff (FTE)5.42.4
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7,349 in 2025 against €116,365 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €435,905
Fixed assets
€18,837 ▼ 41.5%
Current assets
€417,067 ▼ 32.8%
Equity and liabilities €435,905
Equity
€57,009 ▼ 15.0%
Debt
€378,895 ▼ 35.3%
Debt's share of the balance-sheet total falls from 89.7% to 86.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€5,898▲
2024 · -€99,564
Cash flow
€3,190▲
2024 · -€114,179
Current ratio
1.10▲
2024 · 1.06
Quick ratio
0.23▲
2024 · 0.23
Debt to equity
6.65▼
2024 · 8.73
ROE
-17.6%▲
2024 · -195.3%
ROA
-2.3%▲
2024 · -20.1%
Interest coverage
2.16▲
2024 · -92.96
Debt ≤ 1 year
€378,635▼
2024 · €585,326
Income taxes
€0▼
2024 · €13,544
Staff costs
€111,174▼
2024 · €171,447
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €12,412 | €0 | - | - |
| Remuneration, social security and pensions62 | €48,184 | €128,812 | €189,520 | €171,447 | €111,174 | ▼ 35.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,747 | €10,684 | €18,355 | €16,801 | €13,247 | ▼ 21.2% |
| Other operating charges640/8 | €14,870 | €7,616 | €32,874 | €70,868 | €38,712 | ▼ 45.4% |
| Non-recurring operating charges66A | - | - | €34,658 | €0 | - | - |
| Gross operating margin9900 | €139,910 | €423,185 | €308,066 | €142,752 | €155,783 | ▲ 9.1% |
| Operating profit (loss)9901 | €67,108 | €276,073 | €32,659 | -€116,365 | -€7,349 | ▲ 93.7% |
| Financial income75/76B | €482 | - | €36 | €0 | €27 | - |
| Recurring financial income75 | €482 | - | €36 | €0 | €27 | - |
| Financial charges65/66B | €2,840 | €15,592 | €29,507 | €1,071 | €2,735 | ▲ 155% |
| Recurring financial charges65 | €2,840 | €15,592 | €29,507 | €1,071 | €2,735 | ▲ 155% |
| Profit (loss) for the period before taxes9903 | €64,750 | €260,480 | €3,188 | -€117,436 | -€10,057 | ▲ 91.4% |
| Income taxes67/77 | €3,529 | €67,719 | €14,751 | €13,544 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €61,222 | €192,761 | -€11,563 | -€130,980 | -€10,057 | ▲ 92.3% |
| Profit (loss) for the period to be appropriated9905 | €61,222 | €192,761 | -€11,563 | -€130,980 | -€10,057 | ▲ 92.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €1.6m | €1.4m | €652,393 | €435,905 | ▼ 33.2% |
| Fixed assets21/28 | €46,674 | €45,960 | €48,995 | €32,194 | €18,837 | ▼ 41.5% |
| Tangible fixed assets22/27 | €46,674 | €45,960 | €48,995 | €32,194 | €18,837 | ▼ 41.5% |
| Plant, machinery and equipment23 | €2,534 | €4,020 | €5,029 | €3,651 | €2,572 | ▼ 29.5% |
| Furniture and vehicles24 | €11,896 | €14,297 | €20,923 | €10,101 | €2,424 | ▼ 76.0% |
| Other tangible fixed assets26 | €32,244 | €27,643 | €23,042 | €18,442 | €13,841 | ▼ 24.9% |
| Current assets29/58 | €1.1m | €1.5m | €1.4m | €620,199 | €417,067 | ▼ 32.8% |
| Amounts receivable after more than one year29 | €20,000 | - | - | - | - | - |
| Other amounts receivable291 | €20,000 | - | - | - | - | - |
| Stocks and contracts in progress3 | €886,640 | €1.4m | €1.2m | €487,251 | €328,547 | ▼ 32.6% |
| Stocks30/36 | €886,640 | €1.4m | €1.2m | €487,251 | €328,547 | ▼ 32.6% |
| Amounts receivable within one year40/41 | €153,810 | €74,736 | €51,743 | €57,094 | €24,976 | ▼ 56.3% |
| Trade receivables40 | €153,322 | €74,640 | €51,743 | €55,019 | €19,610 | ▼ 64.4% |
| Other amounts receivable41 | €488 | €96 | - | €2,075 | €5,366 | ▲ 159% |
| Cash at bank and in hand54/58 | €25,243 | €106,002 | €144,563 | €75,436 | €63,186 | ▼ 16.2% |
| Deferred charges and accrued income490/1 | €4,397 | €748 | €2,650 | €419 | €359 | ▼ 14.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €1.6m | €1.4m | €652,393 | €435,905 | ▼ 33.2% |
| Equity10/15 | €16,848 | €209,609 | €198,046 | €67,066 | €57,009 | ▼ 15.0% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | €18,600 | - | - | - | - | - |
| Issued capital100 | €18,600 | - | - | - | - | - |
| Profit (loss) carried forward14 | -€1,752 | €191,009 | €179,446 | €48,466 | €38,409 | ▼ 20.8% |
| Amounts payable17/49 | €1.1m | €1.4m | €1.2m | €585,326 | €378,895 | ▼ 35.3% |
| Amounts payable after more than one year17 | €835,623 | - | - | - | - | - |
| Financial debts170/4 | €835,623 | - | - | - | - | - |
| Amounts payable within one year42/48 | €284,293 | €1.4m | €1.2m | €585,326 | €378,635 | ▼ 35.3% |
| Trade debts44 | €47,136 | €155,687 | €73,008 | €31,380 | €42,209 | ▲ 34.5% |
| Suppliers440/4 | €47,136 | €155,687 | €73,008 | €31,380 | €42,209 | ▲ 34.5% |
| Advances received on contracts in progress46 | €125,407 | - | - | €7,990 | €500 | ▼ 93.7% |
| Taxes, remuneration and social security45 | €16,251 | €77,295 | €92,013 | €54,713 | €24,340 | ▼ 55.5% |
| Taxes450/3 | €14,603 | €74,097 | €81,382 | €30,432 | €8,745 | ▼ 71.3% |
| Remuneration and social security454/9 | €1,648 | €3,198 | €10,631 | €24,282 | €15,595 | ▼ 35.8% |
| Other amounts payable47/48 | €95,500 | €1.1m | €1.1m | €491,243 | €311,586 | ▼ 36.6% |
| Accrued charges and deferred income492/3 | - | - | - | - | €260 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €61,222 | €192,761 | -€11,563 | -€130,980 | -€10,057 | ▲ 92.3% |
| + Depreciation and write-downs630 | €9,747 | €10,684 | €18,355 | €16,801 | €13,247 | ▼ 21.2% |
| Operating cash flow (approximation) | €70,969 | €203,446 | €6,792 | -€114,179 | €3,190 | ▲ 103% |
| Investment in fixed assets (approximation) | - | -€9,970 | -€21,389 | €0 | €110 | - |
| Change in cash | - | €80,760 | €38,561 | -€69,128 | -€12,250 | ▲ 82.3% |
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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
27-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€130,980
Net result drops to -€130,980, the lowest in the series; recovery starts the following year.
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 64 days late
2023
07-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 129 days late
10-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 283 days late
2022
31-12
Financial
Highest result since 2019net €192,761 ▲215%
Operating result €276,073, net result €192,761, both a record.
31-12
Financial
Equity above €200,000Eq €209,609 ▲1,144%
2 profitable years in a row build equity to €209,609.
2021
31-12
Financial
Back to profitnet €61,222
Net result €61,222 after 2 loss-making years.
17-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 109 days late
2020
14-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 136 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Anderlues · 1 establishment unit since 2019
Ground area
2,804 m²
Parcel 56302E0139/00A000, Wallonia. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
OLO
since 20192.284.991.782
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56302E0139/00A000 | Wallonia | 2,804 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 4,415 companies in sector 46180 we hold annual accounts for 1,885. 1,371 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 (pre-2019)
Founded01-02-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46180Agents specialised in the wholesale of other particular products
47812Retail trade
46713Wholesale trade
47830Retail sale of motorcycles and motorcycle parts and accessories
Contact
E-mail
contact@olomotors.be
Scores and ratios are computed by Checked and are not a credit decision.