OTTOCARE
ActiveSummary
The computed 12-month bankruptcy probability of OTTOCARE is 1.7% (moderate). The 2025 annual accounts show equity of €9,215 and a net result of €6,799. Equity is growing by ~62% per year across the filed fiscal years. Its solvency ranks better than 37% of 18537 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability91▼-9
Solvency44▲+8
Growth85=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.96 against 0.97 in 2024; short-term debt: 32.5% and cash: 89.5% of total assets), but 81.1% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-03-2026, 128 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
128 d early
2024
57 d early
2023
126 d early
2022
40 d early
2021
46 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 79 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€30,593▼ 2.1%
2024 · €31,255
EBIT margin
30.1%▼ 12.3pp
2024 · 42.4%
Net result
€6,799▼ 35.2%
2024 · €10,484
Working capital
€30,937
2024 · -€664
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€4,079-€14,551▲ 257%€30,456▲ 109%€31,255▲ 2.6%€30,593▼ 2.1%
Operating result-€13,113-€2,510€1,858▼ 26.0%€13,258▲ 614%€9,218▼ 30.5%
Net result-€13,138below the sector's middle half-€2,366within the sector's middle half€1,705within the sector's middle half▼ 28.0%€10,484within the sector's middle half▲ 515%€6,799within the sector's middle half▼ 35.2%
EBIT margin-321.5%-17.2%▲ 338.8pp6.1%▼ 11.1pp42.4%▲ 36.3pp30.1%▼ 12.3pp
Equity-€12,138below the sector's middle half--€9,772below the sector's middle half▲ 19.5%-€8,068below the sector's middle half▲ 17.4%€2,416within the sector's middle half€9,215within the sector's middle half▲ 281%
Total assets€9,760below the sector's middle half-€12,771below the sector's middle half▲ 30.9%€16,168below the sector's middle half▲ 26.6%€22,435below the sector's middle half▲ 38.8%€48,630below the sector's middle half▲ 117%
Debt€21,898-€22,543▲ 2.9%€24,236▲ 7.5%€20,019▼ 17.4%€39,415▲ 96.9%
Working capital-€19,144--€13,153▲ 31.3%-€12,456▲ 5.3%-€664▲ 94.7%€30,937
Solvency-124.4%below the sector's middle half--76.5%below the sector's middle half▲ 47.8pp-49.9%below the sector's middle half▲ 26.6pp10.8%within the sector's middle half▲ 60.7pp18.9%within the sector's middle half▲ 8.2pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48,630
Fixed assets
€1,874 ▼ 39.1%
Current assets
€46,756 ▲ 142%
Equity and liabilities €48,630
Equity
€9,215 ▲ 281%
Debt
€39,415 ▲ 96.9%
Debt's share of the balance-sheet total falls from 89.2% to 81.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11,563▼
2024 · €15,367
Cash flow
€9,144▼
2024 · €12,592
Current ratio
2.96▲
2024 · 0.97
Debt to equity
4.28▼
2024 · 8.28
ROE
73.8%▼
2024 · 433.9%
ROA
14.0%▼
2024 · 46.7%
Interest coverage
75.44▼
2024 · 100.26
Debt ≤ 1 year
€15,819▼
2024 · €20,019
Debt > 1 year
€23,596
Income taxes
€2,266▼
2024 · €2,621
Staff costs
€212▼
2024 · €472
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,706 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.7% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 6,706 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €4,079 | €14,551 | €30,456 | €31,255 | €30,593 | ▼ 2.1% |
| Goods, raw materials, services and sundry goods60/61 | €15,545 | €8,027 | €24,231 | €15,135 | €18,697 | ▲ 23.5% |
| Remuneration, social security and pensions62 | €470 | €80 | €571 | €472 | €212 | ▼ 55.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,642 | €3,626 | €3,594 | €2,108 | €2,345 | ▲ 11.3% |
| Other operating charges640/8 | €375 | €309 | €202 | €281 | €901 | ▲ 220% |
| Gross operating margin9900 | -€7,627 | €6,525 | €6,225 | €16,120 | €12,676 | ▼ 21.4% |
| Operating profit (loss)9901 | -€13,113 | €2,510 | €1,858 | €13,258 | €9,218 | ▼ 30.5% |
| Financial charges65/66B | €25 | €144 | €153 | €153 | €153 | = |
| Recurring financial charges65 | €25 | €144 | €153 | €153 | €153 | = |
| Profit (loss) for the period before taxes9903 | -€13,138 | €2,366 | €1,705 | €13,105 | €9,065 | ▼ 30.8% |
| Income taxes67/77 | - | - | - | €2,621 | €2,266 | ▼ 13.5% |
| Profit (loss) for the period9904 | -€13,138 | €2,366 | €1,705 | €10,484 | €6,799 | ▼ 35.2% |
| Profit (loss) for the period to be appropriated9905 | -€13,138 | €2,366 | €1,705 | €10,484 | €6,799 | ▼ 35.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €9,760 | €12,771 | €16,168 | €22,435 | €48,630 | ▲ 117% |
| Fixed assets21/28 | €7,006 | €3,381 | €4,388 | €3,080 | €1,874 | ▼ 39.1% |
| Intangible fixed assets21 | €1,415 | €1,029 | €643 | €258 | - | - |
| Tangible fixed assets22/27 | €5,592 | €2,352 | €3,745 | €2,822 | €1,874 | ▼ 33.6% |
| Plant, machinery and equipment23 | €869 | €357 | €686 | €411 | €988 | ▲ 140% |
| Furniture and vehicles24 | €4,722 | €1,995 | €3,059 | €2,412 | €886 | ▼ 63.3% |
| Current assets29/58 | €2,754 | €9,390 | €11,780 | €19,355 | €46,756 | ▲ 142% |
| Amounts receivable within one year40/41 | €541 | €1,742 | €6,127 | €1,364 | €3,226 | ▲ 137% |
| Trade receivables40 | €207 | €1,407 | €5,792 | €1,029 | €2,891 | ▲ 181% |
| Other amounts receivable41 | €335 | €335 | €335 | €335 | €335 | = |
| Cash at bank and in hand54/58 | €2,212 | €7,648 | €5,653 | €17,991 | €43,530 | ▲ 142% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €9,760 | €12,771 | €16,168 | €22,435 | €48,630 | ▲ 117% |
| Equity10/15 | -€12,138 | -€9,772 | -€8,068 | €2,416 | €9,215 | ▲ 281% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Profit (loss) carried forward14 | -€13,138 | -€10,772 | -€9,068 | €1,416 | €8,215 | ▲ 480% |
| Amounts payable17/49 | €21,898 | €22,543 | €24,236 | €20,019 | €39,415 | ▲ 96.9% |
| Amounts payable after more than one year17 | - | - | - | - | €23,596 | - |
| Financial debts170/4 | - | - | - | - | €23,596 | - |
| Amounts payable within one year42/48 | €21,898 | €22,543 | €24,236 | €20,019 | €15,819 | ▼ 21.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €5,032 | - |
| Trade debts44 | €3,242 | €1,641 | €5,285 | €197 | €145 | ▼ 26.5% |
| Suppliers440/4 | €3,242 | €1,641 | €5,285 | €197 | €145 | ▼ 26.5% |
| Taxes, remuneration and social security45 | €176 | €1,077 | €972 | €4,083 | €5,536 | ▲ 35.6% |
| Taxes450/3 | €176 | €1,077 | €972 | €4,083 | €5,536 | ▲ 35.6% |
| Other amounts payable47/48 | €18,480 | €19,825 | €17,978 | €15,739 | €5,107 | ▼ 67.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€13,138 | €2,366 | €1,705 | €10,484 | €6,799 | ▼ 35.2% |
| + Depreciation and write-downs630 | €4,642 | €3,626 | €3,594 | €2,108 | €2,345 | ▲ 11.3% |
| Operating cash flow (approximation) | -€8,496 | €5,991 | €5,299 | €12,592 | €9,144 | ▼ 27.4% |
| Investment in fixed assets (approximation) | - | €0 | -€4,601 | -€800 | -€1,139 | ▼ 42.4% |
| Change in cash | - | €5,436 | -€1,995 | €12,338 | €25,539 | ▲ 107% |
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
Next filing, fiscal year 2026, expected by
2026
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 2.96
Current ratio from 0.97 to 2.96; short-term debt falls from €20,019 to €15,819.
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €10,484 ▲515%
Operating result €13,258, net result €10,484, both a record.
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €2,366
Net result €2,366 after one loss-making year.
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State 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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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2020
Ground area
94 m²
Building footprint
61 m²
Volume, LiDAR
335 m³
Parcel 11343A0598/00G018, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OTTOCARE
since 20202.306.752.347
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11343A0598/00G018 | Flanders | 94 m² | 1 · 61 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 10,664 companies in sector 47811 we hold annual accounts for 5,226. 2,043 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded31-08-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47120Other non-specialised retail sale
95316Washing and cleaning of motor vehicles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0753505304
Registered
04-03-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.