Checked.be
Active
BE 0476.817.455Private limited company
ONE & OTHER
Eksterlaan(BRA) 15 ·2880 Bornem, Belgium· 24 yrs active
Sector: Retail sale of motorcycles and motorcycle parts and accessories
(47830)
Conclusion
ONE & OTHER has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €704k and a net result of €55k. Equity is shrinking by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 17366 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €704k |
| Net result | €55k |
| Better than sector | 95% |
| Active | 24 yrs |
Financial profile
78
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
94
Profitability
39
Solvency
100
Growth
58
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 2002, 24 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
94
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€65k
estimate, not credit advice
Score history
86
2021
100
2022
70
2023
91
2024
94
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 12.33 (≥ 1.5)
+10
Quick ratio
Quick ratio 7.70 (≥ 1.0)
+5
Leverage
Debt/equity 0.08 (< 1.0)
+10
Profitability
ROE 8%
+3
Interest coverage
Interest coverage 82.7× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 31-08-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Gross margin: growth of ~2.7%/year over 5 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 91.7% | 34.6% | |
| Net result | €55k | €5k | |
| Equity | €704k | €44k | |
| Gross operating margin | €90k | €34k | |
| Total assets | €768k | €154k |
€87k
+45.9%
21-25
€55k
+53.4%
21-25
€61k
+47.1%
21-25
€768k
+4.3%
21-25
€704k
+8.4%
21-25
€646k
+3.5%
21-25
€27k
+47.9%
21-25
€0
-100.0%
21-25
€57k
-28.6%
21-25
€57k
-28.6%
21-25
12.33
+39.9%
21-25
7.70
+29.6%
21-25
91.7%
+3.9%
21-25
0.08
-34.2%
21-25
7.8%
+41.5%
21-25
7.1%
+47.1%
21-25
82.72
+40.9%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | abbreviated schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €87k | €60k | €72k | €90k | €63k |
| Net profit | €55k | €36k | €-295k | €215k | €50k |
| Cash flow | €61k | €42k | €-294k | €216k | €55k |
| Staff costs | - | - | - | - | - |
| Income taxes | €27k | €18k | €19k | €38k | €16k |
| Dividends | €0 | €38k | €30k | - | - |
| Total assets | €768k | €737k | €740k | €1.04M | €834k |
| Equity | €704k | €650k | €652k | €978k | €763k |
| Debt | €57k | €80k | €81k | €60k | €71k |
| of which ≤ 1y | €57k | €80k | €81k | €60k | €71k |
| of which > 1y | - | - | - | - | - |
| Working capital | €646k | €624k | €652k | €474k | €258k |
| Employees (FTE) | - | - | - | - | - |
Note: these years are not on the same basis. The filed schemas differ (micro schema, abbreviated schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 12.33 | 8.81 | 9.08 | 8.89 | 4.61 |
| Quick ratio | 7.70 | 5.94 | 5.78 | 6.07 | 2.39 |
| Working capital ratio | 84.1% | 84.8% | 88.2% | 45.7% | 30.9% |
| Solvency | 91.7% | 88.2% | 88.2% | 94.2% | 91.4% |
| Debt / equity | 0.08 | 0.12 | 0.12 | 0.06 | 0.09 |
| Long-term debt ratio | - | - | - | - | - |
| Interest coverage | 82.72 | 58.72 | 42.57 | 66.98 | 41.35 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 7.1% | 4.8% | -39.9% | 20.7% | 6.0% |
| ROE | 7.8% | 5.5% | -45.3% | 22.0% | 6.5% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €768k | €737k | €740k | €1.04M | €834k |
| Fixed assets | 21/28 | €65k | €32k | €7k | €504k | €505k |
| Tangible fixed assets | 22/27 | €60k | €27k | €2k | €3k | €4k |
| Financial fixed assets | 28 | €5k | €5k | €5k | €501k | €501k |
| Current assets | 29/58 | €703k | €704k | €733k | €534k | €329k |
| Stocks & contracts in progress | 3 | €264k | €229k | €266k | €170k | €159k |
| Amounts receivable within one year | 40/41 | €31k | €50k | €33k | €39k | €18k |
| Cash & bank | 54/58 | €407k | €424k | €428k | €320k | €138k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €768k | €737k | €740k | €1.04M | €834k |
| Equity | 10/15 | €704k | €650k | €652k | €978k | €763k |
| Contributions / capital | 10/11 | €20k | €20k | €20k | €20k | €20k |
| Reserves | 13 | €684k | €630k | €632k | €957k | €743k |
| Accumulated profits (losses) | 14 | €0 | €0 | €0 | - | - |
| Provisions & deferred taxes | 16 | €7k | €7k | €7k | - | - |
| Amounts payable | 17/49 | €57k | €80k | €81k | €60k | €71k |
| Amounts payable within one year | 42/48 | €57k | €80k | €81k | €60k | €71k |
| Trade debts payable within one year | 44 | €13k | €7k | €10k | €9k | €8k |
| Income statement | ||||||
| Gross operating margin | 9900 | €90k | €62k | €74k | €92k | €66k |
| Operating result | 9901 | €81k | €54k | €71k | €89k | €58k |
| Financial income | 75 | €2k | €1k | €1k | €166k | €10k |
| Financial charges | 65 | €1k | €1k | €2k | €1k | €2k |
| Result before taxes | 9903 | €81k | €54k | €-276k | €253k | €66k |
| Income taxes | 67/77 | €27k | €18k | €19k | €38k | €16k |
| Net result for the period | 9904 | €55k | €36k | €-295k | €215k | €50k |
| Result to be appropriated | 9905 | €55k | €36k | €-295k | €215k | €50k |
Legal Structure
| NACE primary | Retail sale of motorcycles and motorcycle parts and accessories(47830) |
| Legal form | Private limited company(610) |
| Incorporation | 04-02-2002 |
| Status | Active |
| Postal code | 2880 |
Establishment units
ONE & OTHER
since 20022.095.810.110
ONE & OTHER
since 20192.285.793.815
Real-estate footprint
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12362G0574/00A000 | Flanders | 958 m² | 1 · 240 m² | 8.2 m · 2 fl. |
| 12362E0132/00W000 | Flanders | 857 m² | 1 · 567 m² | 11.0 m · 2 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
31-12
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
31-12
Financial
Weakest financial yearnet €-295k ▼238%
Net result drops to €-295k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2021net €215k ▲331%
Operating result €89k, net result €215k, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
04-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 4 days late
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
45402Retail sale of motorcycles and motorcycle parts and accessories478307415145401Holdings64200Activities of holding companies64210Buying and selling of own real estate68110Renting and operating of own or leased non-residential real estate, excluding land682037012070203
Names & trade names
| Legal nameNL | ONE & OTHER |
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