Age2 yrs
Real estate1 parcel · 228 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Or & Sable is 0.6% (low). The 2024 annual accounts show equity of €13k and a net result of €18k. Its solvency ranks better than 28% of 7351 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-07-2025, 9 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 22-07-2025 | 9 d early | 2025-00293040 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung company
Founded in 2023, under 3 years, statistically higher risk.
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.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.6%
Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€18k
Working capital€13k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 22-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 41.6% | 65.0% | |
| Net result | €18k | €32k | |
| Equity | €13k | €58k | |
| Gross operating margin | €24k | €52k | |
| Total assets | €31k | €103k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | - |
| Net profit | €18k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | €5k |
| Dividends | €7k |
| Total assets | €31k |
| Equity | €13k |
| Debt | €18k |
| of which ≤ 1y | €18k |
| of which > 1y | - |
| Working capital | €13k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.71 |
| Quick ratio | 1.71 |
| Working capital ratio | 41.6% |
| Solvency | 41.6% |
| Debt / equity | 1.40 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | 57.6% |
| ROE | 138.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (18 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €31k |
| Current assets | 29/58 | €31k |
| Amounts receivable within one year | 40/41 | €6k |
| Cash & bank | 54/58 | €25k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €31k |
| Equity | 10/15 | €13k |
| Contributions / capital | 10/11 | €2k |
| Accumulated profits (losses) | 14 | €11k |
| Amounts payable | 17/49 | €18k |
| Amounts payable within one year | 42/48 | €18k |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Gross operating margin | 9900 | €24k |
| Operating result | 9901 | €23k |
| Financial charges | 65 | €108 |
| Result before taxes | 9903 | €23k |
| Income taxes | 67/77 | €5k |
| Net result for the period | 9904 | €18k |
| Result to be appropriated | 9905 | €18k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed78
/ 100
Excellent
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationOr & Sable
since 20232.353.478.237
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area228 m²
Buildings1
Building footprint146 m²
Volume (LiDAR)1,347 m³
Tallest building16.0 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71022H1052/00E000 | Flanders | 228 m² | 1 · 146 m² | 16.0 m · 4 fl. |
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 act Address history · 1
27-05-2024
Registered-office move
All acts · 1
updated 2 years ago
2024
27-05-2024 Registered office moved within Hasselt
- Koningin Astridlaan 35, 3500 Hasselt → 3500 Hasselt, Aldestraat 48
Analysis
Financial profile
4 of 5 axes measured81
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
78
Profitability
100
Solvency
79
Growth
-
Stability
67
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 6,024 of the 29,937 companies in this sector. 4,521 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Computerconsultancy-activiteiten62020Ontwerpen van computerprogramma’s62100Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Ontwerpen en programmeren van computerprogramma's62010Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
| Legal nameNL | Or & Sable |
Registered office
Aldestraat 48
3500 Hasselt, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.