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ONLYLOADING

Active
Private limited companyfounded 2015active for 10 yearsWaterloose Steenweg 486, 1050 Elsene, BelgiumKBO/BCE: BE 0644.676.846
Summary

ONLYLOADING has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €255,561 and a net result of €15,303. Equity remains stable across the filed financial years (±1.6% per year). Its solvency ranks better than 85% of 4,290 sector peers (NACE 74, financial year 2024). The computed 12-month bankruptcy probability is 0.9% (low).

Overview

Activity
Other specialised design activities
NACE 74140
1 site
Size
€307,405total assets 2024
Equity
€255,561
Profit
€15,303
Turnover not published (micro format)
Financial health
56 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
0.9%
Structure
Accounts 73 days overdue0 of 3 deeds read
Why 56raises riskCapped at 59: a confirmed filing findingFigures for financial year 2024 (filed 15-08-2025)1 financial year not filed after the legal deadline; latest accounts 13 days late; 2 of the last 3 latelowers riskSector: Other professional, scientific and technical activities (NACE 74)Equity €255,561 (83.1% of total assets)Show the evidence

Checked score

Score 2024
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 54% of its sector peers (NACE 74, micro)
A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2023
Strong
Solvency 100=
equity 83.1% of total assets
Liquidity 55-4
short-term debt 16.9% · cash 7.3%
Profitability 75-4
return on assets 5.0%
Bankruptcy probability, 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (5,410 companies, NACE 74, micro)
Last 24 months 11-2024: 0.4% 12-2024: 0.4%● unchanged vs 11-2024 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.5%▲ +0.1 percentage points vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.5%● unchanged vs 06-2025 08-2025: 0.6%▲ +0.1 percentage points vs 07-2025 09-2025: 0.3%▼ -0.3 percentage points vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026lowest value 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.5%▲ +0.2 percentage points vs 07-2026 09-2026: 0.6%▲ +0.1 percentage points vs 08-2026 10-2026: 0.9%▲ +0.3 percentage points vs 09-2026highest value
Credit of up to €14,000 on 30-day terms, only on tighter conditions
Liquidity insufficient (current ratio 0.52, compared with 13.25 in 2023; short-term debt: 16.9% and cash: 7.3% of total assets), and 16.9% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 74, micro): better than 88% on solvency, 45% on liquidity, 46% on profitability and 36% on growth.

The bankruptcy probability was computed on 11-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Figures for financial year 2024 (filed 15-08-2025)
NBB · annual accounts
lowers risk · Sector: Other professional, scientific and technical activities (NACE 74)
KBO
raises risk · 1 financial year not filed after the legal deadline; latest accounts 13 days late; 2 of the last 3 late
NBB · filings
lowers risk · Equity €255,561 (83.1% of total assets)
NBB · annual accounts
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 73 days later.
NBB · 9 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline12-10-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-08-2025, 13 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 · 9 filings
Deviation from the deadline
2025
not filed
2024
13 days late
2023
61 days late
2022
31 days late
2021
18 days late
2020
58 days late
2019
87 days 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 45 days after the deadline; the sector median (NACE 74) for financial year 2024 is 3 days before the deadline, and 38% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · micro…
  2. Annual accounts filedfinancial year 2023 · micro…
  3. Highest result from 2018 to 2024net €23,650 ▲102%

Financials · financial year 2024, micro format

2025 annual accounts not yet filed, deadline passed on 31 July 2026 Financial year closed on 31 December 2025; filing due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 12 October 2026.

Equity
€255,561▼ 4.1%
2023 · €266,480
Total assets
€307,405▲ 6.8%
2023 · €287,767
Net result
€15,303▼ 35.3%
2023 · €23,650
Working capital
-€25,009
2023 · €260,779
Trend over the years

2020 to 2024, 5 financial years 2018 to 2024, 7 financial years

The operating result falls in 2024; 2024 is 47% below 2023.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€15,522 2024 Net result€15,303 2024

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 74, Other professional, scientific and technical activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the financial year before
favourable unfavourable
Line2018201920202021202220232024
Operating result-€3,002--€15,449▼ 415%€6,861-€8,434€12,039€29,261▲ 143%€15,522▼ 47.0%
Net result-€3,165--€16,005▼ 406%€6,533within the sector's middle half-€8,595below the sector's middle half€11,707within the sector's middle half€23,650within the sector's middle half▲ 102%€15,303within the sector's middle half▼ 35.3%
Equity€244,359-€233,186▼ 4.6%€239,719above the sector's middle half▲ 2.8%€231,123above the sector's middle half▼ 3.6%€242,831above the sector's middle half▲ 5.1%€266,480above the sector's middle half▲ 9.7%€255,561above the sector's middle half▼ 4.1%
Total assets€252,656-€254,475▲ 0.7%€267,159above the sector's middle half▲ 5.0%€244,123above the sector's middle half▼ 8.6%€249,757above the sector's middle half▲ 2.3%€287,767above the sector's middle half▲ 15.2%€307,405above the sector's middle half▲ 6.8%
Debt€8,297-€21,289▲ 157%€27,440▲ 28.9%€13,000▼ 52.6%€6,927▼ 46.7%€21,286▲ 207%€51,843▲ 144%
Working capital€239,033-€228,947▼ 4.2%€236,567above the sector's middle half▲ 3.3%€229,923above the sector's middle half▼ 2.8%€241,016above the sector's middle half▲ 4.8%€260,779above the sector's middle half▲ 8.2%-€25,009below the sector's middle half
Solvency96.7%-91.6%▼ 5.1pp89.7%above the sector's middle half▼ 1.9pp94.7%above the sector's middle half▲ 4.9pp97.2%above the sector's middle half▲ 2.6pp92.6%above the sector's middle half▼ 4.6pp83.1%above the sector's middle half▼ 9.5pp
Current ratio29.81-11.75▼ 18.059.62above the sector's middle half▼ 2.1320.49above the sector's middle half▲ 10.8635.80above the sector's middle half▲ 15.3113.25above the sector's middle half▼ 22.540.52below the sector's middle half▼ 12.73
Return on assets (ROA)-1.3%--6.3%▼ 5.0pp2.4%within the sector's middle half▲ 8.7pp-3.5%below the sector's middle half▼ 6.0pp4.7%within the sector's middle half▲ 8.2pp8.2%within the sector's middle half▲ 3.5pp5.0%within the sector's middle half▼ 3.2pp
above within below the middle half of NACE 74, Other professional, scientific and technical activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €307,405
Fixed assets €280,571 ▲ 4,821%
Current assets €26,834 ▼ 90.5%
Equity and liabilities €307,405
Equity €255,561 ▼ 4.1%
Debt €51,843 ▲ 144%
Debt's share of the balance-sheet total rises from 7.4% to 16.9%. Equity is lower and debt is higher.
Key figures and ratios
2024 value · change against 2023
EBITDA
€16,571▼
2023 · €30,003
Cash flow
€16,352▼
2023 · €24,391
Debt to equity
0.20▲
2023 · 0.08
ROE
6.0%▼
2023 · 8.9%
Interest coverage
98.83▼
2023 · over 100
Debt ≤ 1 year
€51,843▲
2023 · €21,286
Income taxes
€52▼
2023 · €5,460
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 40 lines
Balance sheet Code20232024
Assets
Total assets20/58€287,767€307,405▲
Fixed assets21/28€5,702€280,571▲
Tangible fixed assets22/27€3,302€1,946▼
Furniture and vehicles24€2,102€1,346▼
Other tangible fixed assets26€1,200€600▼
Financial fixed assets28€2,400€278,625▲
Current assets29/58€282,065€26,834▼
Amounts receivable within one year40/41€261,620€4,298▼
Trade receivables40€1,876€2,150▲
Other amounts receivable41€259,745€2,148▼
Cash at bank and in hand54/58€20,445€22,462▲
Deferred charges and accrued income490/1-€74
Equity and liabilities
Total equity and liabilities10/49€287,767€307,405▲
Equity10/15€266,480€255,561▼
Contributions10/11€251,731€251,731=
Profit (loss) carried forward14€14,749€3,830▼
Amounts payable17/49€21,286€51,843▲
Amounts payable within one year42/48€21,286€51,843▲
Trade debts44€1,958€12,617▲
Suppliers440/4€1,958€12,617▲
Taxes, remuneration and social security45€10,615€3,097▼
Taxes450/3€7,615€97▼
Remuneration and social security454/9€3,000€3,000=
Other amounts payable47/48€8,713€36,130▲
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€741€1,049▲
Other operating charges640/8€384€387▲
Gross operating margin9900€30,387€16,958▼
Operating profit (loss)9901€29,261€15,522▼
Financial income75/76B€10€0▼
Recurring financial income75€10€0▼
Financial charges65/66B€161€168▲
Recurring financial charges65€161€168▲
Profit (loss) for the period before taxes9903€29,110€15,355▼
Income taxes67/77€5,460€52▼
Profit (loss) for the period9904€23,650€15,303▼
Profit (loss) for the period to be appropriated9905€23,650€15,303▼
Appropriation of the result
Profit (loss) to be appropriated9906€14,749€18,830▲
Profit (loss) brought forward from the previous period14P-€8,901€3,527▲
Profit to be distributed694/7-€15,000
Other beneficiaries697-€15,000

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2018201920202021202220232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,087€1,087€1,087€752€600€741€1,049▲ 41.5%
Other operating charges640/8---€348€348€384€387▲ 0.8%
Gross operating margin9900-€1,428-€14,014€8,296-€7,334€12,987€30,387€16,958▼ 44.2%
Operating profit (loss)9901-€3,002-€15,449€6,861-€8,434€12,039€29,261€15,522▼ 47.0%
Financial income75/76B-----€10€0▼ 100%
Recurring financial income75-€6€0--€10€0▼ 100%
Financial charges65/66B---€162€332€161€168▲ 4.0%
Recurring financial charges65€163€563€329€162€332€161€168▲ 4.0%
Profit (loss) for the period before taxes9903-€3,165-€16,005€6,533-€8,595€11,707€29,110€15,355▼ 47.3%
Income taxes67/77-----€5,460€52▼ 99.1%
Profit (loss) for the period9904-€3,165-€16,005€6,533-€8,595€11,707€23,650€15,303▼ 35.3%
Profit (loss) for the period to be appropriated9905-€3,165-€16,005€6,533-€8,595€11,707€23,650€15,303▼ 35.3%
Line2018201920202021202220232024Change
Assets
Total assets20/58€252,656€254,475€267,159€244,123€249,757€287,767€307,405▲ 6.8%
Fixed assets21/28€5,326€4,239€3,152€2,400€1,815€5,702€280,571▲ 4,821%
Tangible fixed assets22/27€5,326€4,239€3,152€2,400€1,800€3,302€1,946▼ 41.1%
Furniture and vehicles24---€0-€2,102€1,346▼ 36.0%
Other tangible fixed assets26---€2,400€1,800€1,200€600▼ 50.0%
Financial fixed assets28----€15€2,400€278,625▲ 11,509%
Current assets29/58€247,331€250,236€264,007€241,723€247,942€282,065€26,834▼ 90.5%
Amounts receivable within one year40/41€5,502€25,466€209,261€203,845€212,830€261,620€4,298▼ 98.4%
Trade receivables40---€3,485€2,783€1,876€2,150▲ 14.6%
Other amounts receivable41---€200,360€210,047€259,745€2,148▼ 99.2%
Cash at bank and in hand54/58€241,829€224,770€54,746€37,878€35,112€20,445€22,462▲ 9.9%
Deferred charges and accrued income490/1------€74-
Equity and liabilities
Total equity and liabilities10/49€252,656€254,475€267,159€244,123€249,757€287,767€307,405▲ 6.8%
Equity10/15€244,359€233,186€239,719€231,123€242,831€266,480€255,561▼ 4.1%
Contributions10/11€250,000€250,000-€251,731€251,731€251,731€251,731=
Reserves13-€1,731------
Profit (loss) carried forward14-€5,641-€18,545-€12,013-€20,608-€8,901€14,749€3,830▼ 74.0%
Amounts payable17/49€8,297€21,289€27,440€13,000€6,927€21,286€51,843▲ 144%
Amounts payable within one year42/48€8,297€21,289€27,440€11,800€6,927€21,286€51,843▲ 144%
Trade debts44€1,179€3,690€1,200€2,220€1,469€1,958€12,617▲ 544%
Suppliers440/4---€2,220€1,469€1,958€12,617▲ 544%
Taxes, remuneration and social security45---€2,155€2,161€10,615€3,097▼ 70.8%
Taxes450/3---€2,155€2,161€7,615€97▼ 98.7%
Remuneration and social security454/9-----€3,000€3,000=
Other amounts payable47/48---€7,425€3,297€8,713€36,130▲ 315%
Accrued charges and deferred income492/3---€1,200€0---
Line2018201920202021202220232024Change
Profit (loss) for the period9904-€3,165-€16,005€6,533-€8,595€11,707€23,650€15,303▼ 35.3%
+ Depreciation and write-downs630€1,087€1,087€1,087€752€600€741€1,049▲ 41.5%
Operating cash flow (approximation)-€2,078-€14,918€7,620-€7,844€12,307€24,391€16,352▼ 33.0%
Investment in fixed assets (approximation)-€0€0€0-€15-€4,628-€275,918▼ 5,862%
Change in cash--€17,059-€170,025-€16,867-€2,766-€14,667€2,017-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Public contracts: not fully processed yet. The notices from June 2026 to September 2026 are still being read.

Directors

Directors
No directors read yet: 0 of 3 Gazette acts processed. See the directors and other office holders in the KBO →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

ONLYLOADING was incorporated on 18 December 2015.1 Total assets rose from €252,656 in 2018 to €307,405 in 2024.2

  1. 1KBO (Crossroads Bank for Enterprises)
  2. 2National Bank, annual accounts 2018 and 2024

Acts, filings and financial milestones

2025
13-08
NBB filing Annual accounts filed
financial year 2024 · micro format · 13 days late
2024
30-09
NBB filing Annual accounts filed
financial year 2023 · micro format · 61 days late
2023
31-12
Financial Highest result from 2018 to 2024net €23,650 ▲102%
Operating result €29,261, net result €23,650, both a record.
31-08
NBB filing Annual accounts filed
financial year 2022 · micro format · 31 days late
2022
31-12
Financial Back to profitnet €11,707
Net result €11,707 after one loss-making year.
18-08
NBB filing Annual accounts filed
financial year 2021 · micro format · 18 days late
2021
31-12
Financial Liquidity more than doubledcurrent ratio 20.49
Current ratio from 9.62 to 20.49; short-term debt falls from €27,440 to €11,800.
27-09
NBB filing Annual accounts filed
financial year 2020 · micro format · 58 days late
2020
31-12
Financial Back to profitnet €6,533
Net result €6,533 after 2 loss-making years.
26-10
NBB filing Annual accounts filed
financial year 2019 · micro format · 87 days late
2019
31-12
Financial Weakest financial yearnet -€16,005
Net result drops to -€16,005, the lowest in the series; recovery starts the following year.
30-08
NBB filing Annual accounts filed
financial year 2018 · micro format · 30 days late
2018
03-08
NBB filing Annual accounts filed
financial year 2017 · micro format · 3 days late
2017
31-08
NBB filing Annual accounts filed
financial year 2016 · full format · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
0 of 3 deeds read
About the unread acts

We know of 3 Belgian Official 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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Register details

Identification
Legal formPrivate limited company
Founded18-12-2015
Financial year end31-12
Activities, NACEBEL 2025
74140Other specialised design activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:0644676846
Also 9925:BE0644676846
Registered 28-10-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 12 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Elsene · 1 establishment unit since 2016
registered office establishment The establishment unit on the map
Ground area
130 m²
Building footprint
88 m²
Building volume
1,461 m³
Parcel 21447B0305/00P030, Brussels · tallest building 20.6 m. Linked by address, not a title deed.
8 companies at this address See who is registered here
1 establishment unit
ONLYLOADING
Waterloose Steenweg 486, 1050 ElseneOther software publishing
since 2016unit no. 2.302.778.317
1 parcel
Brussels 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
21447B0305/00P030 Brussels 130 m² 1 · 88 m² 20.6 m · 6
How the parcels are linked
Good to know
The parcel matches the address exactly.