OLRAYM
ActiveSummary
OLRAYM has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€1,883) and a net result of €3,346. Equity is growing by ~21.2% per year across the filed fiscal years. Its solvency ranks better than 18% of 18973 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked 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
This company filed its last 7 accounts on average 46 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
History
Go further with this company
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
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.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 3,795 companies that looked in July 2024 the way this one looks now, 2.7% went bankrupt within 24 months and 92% are still going.
- Micro
- 20 years or older
- negative equity
- a profit of 5% of the balance sheet or more
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% 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 3,795 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.
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | €16,952 | €12,055 | €11,923 | €18,768 | - | - |
| Other operating charges640/8 | €348 | €348 | €384 | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | -€863 | €4,636 | €5,428 | €3,032 | €4,202 | ▲ 38.6% |
| Operating profit (loss)9901 | -€1,211 | €4,289 | €5,044 | €2,645 | €3,802 | ▲ 43.8% |
| Financial charges65/66B | €298 | €372 | €379 | €369 | €456 | ▲ 23.7% |
| Recurring financial charges65 | €298 | €372 | €379 | €369 | €456 | ▲ 23.7% |
| Profit (loss) for the period before taxes9903 | -€1,509 | €3,917 | €4,664 | €2,276 | €3,346 | ▲ 47.0% |
| Profit (loss) for the period9904 | -€1,509 | €3,917 | €4,664 | €2,276 | €3,346 | ▲ 47.0% |
| Profit (loss) for the period to be appropriated9905 | -€1,509 | €3,917 | €4,664 | €2,276 | €3,346 | ▲ 47.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5,849 | €9,284 | €11,948 | €14,224 | €15,610 | ▲ 9.7% |
| Fixed assets21/28 | €124 | €124 | €124 | €124 | €124 | = |
| Financial fixed assets28 | €124 | €124 | €124 | €124 | €124 | = |
| Current assets29/58 | €5,725 | €9,160 | €11,824 | €14,100 | €15,486 | ▲ 9.8% |
| Stocks and contracts in progress3 | €1,075 | €4,840 | €5,700 | €3,860 | €3,090 | ▼ 19.9% |
| Stocks30/36 | €1,075 | €4,840 | €5,700 | €3,860 | €3,090 | ▼ 19.9% |
| Cash at bank and in hand54/58 | €4,650 | €4,320 | €6,124 | €10,240 | €12,396 | ▲ 21.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5,849 | €9,284 | €11,948 | €14,224 | €15,610 | ▲ 9.7% |
| Equity10/15 | -€16,086 | -€12,170 | -€7,505 | -€5,229 | -€1,883 | ▲ 64.0% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Profit (loss) carried forward14 | -€78,086 | -€74,170 | -€69,505 | -€67,229 | -€63,883 | ▲ 5.0% |
| Amounts payable17/49 | €21,935 | €21,453 | €19,453 | €19,453 | €17,493 | ▼ 10.1% |
| Amounts payable after more than one year17 | €21,000 | €21,000 | €19,000 | €19,000 | €17,000 | ▼ 10.5% |
| Financial debts170/4 | €21,000 | €21,000 | €19,000 | €19,000 | €17,000 | ▼ 10.5% |
| Amounts payable within one year42/48 | €935 | €453 | €453 | €453 | €419 | ▼ 7.5% |
| Trade debts44 | €61 | - | - | - | - | - |
| Suppliers440/4 | €61 | - | - | - | - | - |
| Other amounts payable47/48 | €875 | €453 | €453 | €453 | €419 | ▼ 7.5% |
| Accrued charges and deferred income492/3 | - | - | - | - | €74 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,509 | €3,917 | €4,664 | €2,276 | €3,346 | ▲ 47.0% |
| Operating cash flow (approximation) | -€1,509 | €3,917 | €4,664 | €2,276 | €3,346 | ▲ 47.0% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€330 | €1,804 | €4,116 | €2,156 | ▼ 47.6% |
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
Show earlier events
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25037E0475/00H004 | Wallonia | 733 m² | 1 · 121 m² | 6.5 m · 2 fl. |
Linked by address, not proof of ownership
Similar companies · same sector and region
Company details
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.