Starting capital
€100 100 shares
ON solution
Overview
Lifetime
1 annual account with figurespeak €24,073 (2025)
€24,073
peak €15,053 (2025)
€15,053
peak €14,320 (2025)
€14,320
€21,402
Board1 name since 2025
1 directorNICHOLLS Olivia
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Incorporation 30-09Dividend €8331 establishment registeredFirst year with figures
Key points
from the 2025 annual accounts2025 accounts filed 28 days after the deadline
Checked score
70
Healthy
Financially stronger than 76% of micro companies in personal services (NACE 96)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 7,626 companies (NACE 96, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Financial strengthStrong
Score breakdown
raises risk
Founded in 2025
Size: turnover €24,073, total assets €35,722
Last filed accounts filed 28 days late
lowers risk
Liquidity: current ratio 1.64, cash €18,716
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 96, micro). It does better than 61% of them on solvency, 73% on liquidity and 93% on profitability.
The bankruptcy probability was computed on 09-11-2026 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, 11,279 companies had the same profile as ON solution has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of ON solution itself: 0.8% within 12 months.
Test of the method
The method was tested on the 497,447 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 11,279 companies, not a prediction for ON solution. 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 €1,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.64, above the usual 1.5. Short-term debt is 59.9% and cash 52.4% of total assets. However, 59.9% 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
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 1 filingDeviation from the deadline
2025
28 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1028222665
Incorporation
Founding capital of €100, 100 shares · Founder: NICHOLLS Olivia (comparante) · Appointment: NICHOLLS Olivia (director) · published on 30-09-2025 · Gazette deed
First establishment
Marie Depagestraat 79, Uccle
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ON solution Uccle | €35,722 | €19,076 | 40.1% | - |
| PRIVILEGE GROUP Anderlecht | €44,834 | €32,900 | 57.3% | - |
| Hope Wave Consult Anderlecht | €22,850 | €16,435 | 61.1% | - |
| Foxy Management Antwerp | €37,648 | €24,768 | 59.7% | - |
| Anthony Cotton Services La Louvière | €27,827 | €29,430 | 73.9% | - |
| D2 Coaching Antwerp | €32,190 | €26,468 | 66.9% | - |
| ROAS Wingene | €36,404 | €32,077 | 43.7% | - |
These companies have the same main activity as ON solution: other personal services (NACE 96999). They are comparable in size and age: total assets between €22,900 and €44,800, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 26-09-2025Normal situation
- Activity
- Other personal servicesNACE 96999and 2 others
- Establishment unit
- 2.380.663.3771180 Uccle, since 26-09-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 19-01-2026
Insights on ON solution
ON solution has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14,320 and a net result of €15,053.
Its solvency ranks better than 61% of 5,754 sector peers (NACE 96, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 28-08-2026, 28 days late€24,073
€18,841
€19,076
€15,289
40.1%
1.64
Money flows
of every €100 of turnover, €62.53 remains as profit in 2025Balance sheet
balance sheet total €35,722 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
40.1%
Higher than 61% of 5,754 companies in 2025.
1.64
Higher than 64% of 5,318 companies in 2025.
42.1%
Higher than 93% of 5,363 companies in 2025.
ON solution
Middle half of the sector
80% of the sector
Micro accounts in personal services (NACE 96)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
35,722 | |
20 |
648 | |
29/58 |
35,074 | |
40/41 |
16,358 | |
40 |
12,335 | |
41 |
4,022 | |
54/58 |
18,716 | |
| Balance sheet: equity and liabilities | ||
10/49 |
35,722 | |
10/15 |
14,320 | |
10/11 |
100 | |
13 |
14,220 | |
133 |
14,220 | |
17/49 |
21,402 | |
42/48 |
21,402 | |
44 |
5,319 | |
440/4 |
5,319 | |
46 |
7,759 | |
45 |
7,490 | |
450/3 |
7,490 | |
47/48 |
833 | |
| Income statement | ||
70 |
24,073 | |
9900 |
19,076 | |
60/61 |
4,996 | |
630 |
236 | |
9901 |
18,841 | |
75/76B |
109 | |
75 |
109 | |
65/66B |
115 | |
65 |
115 | |
9903 |
18,835 | |
67/77 |
3,781 | |
9904 |
15,053 | |
9905 |
15,053 | |
| Appropriation of the result | ||
9906 |
15,053 | |
691/2 |
14,220 | |
6921 |
14,220 | |
694/7 |
833 | |
694 |
833 | |
| Document | ||
The notes to these accounts have 2 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 28-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 28 days after the deadline. Filed on 28 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00444810.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 28-08-2026 | 2026-00444810 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 19,076 | ||
| 15,289 | ||
| 13,672 | ||
| 78.3% | ||
| 40.1% | ||
| 1.64 | ||
| 1.49 | ||
| 105.1% | ||
| 42.1% | ||
| over 100 | ||
| 187 days | ||
| 389 days |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on ON solution
Debt's share of the balance-sheet total is 59.9%.
Board & ownership
Board
1 director, since incorporation- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 30-09-2025
Mandates through the years
1 name, the dashed line is todayNICHOLLS Olivia
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- NICHOLLS Olivia
- Director (not named in the articles), from 25-09-2025 to date
Control
Founder
NICHOLLS Olivia
This company
ON solution
Equity €14,320
Profit €15,053 in 2025
Capital
- Contribution
- €100
- Shares
- 100
- Contribution per share
- €1
- Equity per share
- €143 in 2025
- Source
- deed of 30-09-2025
Articles of association
deed of 30-09-2025 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Pre-emptive rightsExisting shareholders may buy new shares first, in proportion to what they already hold.
- “Les actions nouvelles à souscrire en numéraire doivent être offertes par préférence aux actionnaires existants, proportionnellement au…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of June at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 30-09-2025 ↗
- NICHOLLS Olivia 100 shares (100%) · €100 in cash
Network & group
No group
ON solution has no parent and no holdings in its annual accounts. NICHOLLS Olivia is the only director. ON solution shares no director with another company.
At the same address
Marie Depagestraat 79, 1180 Uccle · 5 other companies| Maxime Lambilliotte Legal
establishment since 23-09-2024 · founded in 2024 |
total assets €29,404 (2025) 1013.914.868 |
| Nicholls, Olivia (sole trader)
establishment since 01-10-2024 |
founded in 2024 1013.401.065 |
| Association des Copropriétaires à Uccle, Rue Marie Depage 79
registered office since 21-01-2005 |
founded in 2005 0824.421.311 |
| Entreprise Lefebvre - Alibardi
establishment since 05-04-1978 |
founded in 1978 0418.140.175 |
| Publi - rendement
registered office since 01-01-1968 |
founded in 1968 0402.697.676 |
Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBmicro format · 28 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:1028222665
2025
IncorporationFounding capital of €100, 100 shares · Founder: NICHOLLS Olivia (comparante) · Appointment: NICHOLLS Olivia (director) · published on 30-09-20255 points ▸
- Founder, NICHOLLS Olivia (comparante)
- Founding capital, €100, 100 shares
- Board rule, 1
- Director appointment, NICHOLLS Olivia (director (not named in the articles))
- Power of attorney, NICHOLLS Olivia
- The deed holds 3 more points.
First establishment Marie Depagestraat 79, Uccle
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1028.222.665
- VAT number
- BE 1028.222.665
- Peppol ID
- 0208:1028222665
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 26-09-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of June at 18:00deed of 30-09-2025 (in French)
- Peppol
- Reachable since 19-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- ON solution in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 30-09-2025 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Rue Marie Depage 79 bte 5, 1180 Uccle”deed of 30-09-2025 (in French)
Activities
NACEBEL 202596999
Other personal services main activity
90111
Literary creation
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Le coaching personnalisé, individuel ou de groupe, l’accompagnement en développement personnel, bien-être et confiance en soi, toutes…”deed of 30-09-2025 (in French)
6 activities
- Le coaching personnalisé, individuel ou de groupe, l’accompagnement en développement personnel, bien-être et confiance en soi, toutes prestations liées au coaching de vie.
- Le conseil, le coaching, la formation, l’enseignement, l’expertise technique et l’assistance dans tout domaine et notamment les domaines précités.
- La création, la production et la diffusion de contenus audiovisuels en ligne et sur différentes plateformes de réseaux sociaux.
- L’organisation d’ateliers, de cours et formations, de retraites ou de stages dans les domaines du développement personnel et du coaching.
- Prendre toutes initiatives, effectuer toutes analyses et acquérir tous biens, produits, matériels nécessaires à ces activités de coaching.
- Pour son compte et en son nom : l'achat, la vente, le lotissement, la promotion, la démolition, la reconstruction, la transformation, la rénovation, la mise en valeur, la location, la sous-location, la gestion et l'entretien de tous biens immeubles bâtis ou non, la négociation de tous accords et contrats, se rapportant à des droits immobiliers ou mobiliers en découlant directement et tous services s'y rapportant.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Marie Depagestraat 79 registered office 1180 Uccle | 26-09-2025 | 2.380.663.377 |
Buildings and parcels at the address
- Ground area
- 367 m²
- Buildings
- 210 m²
- Volume, LiDAR
- 3,227 m³
- Tallest building
- 18.2 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21612C0004/00N046 | 367 m² | 1 · 210 m² | 18.2 m · 5 |