OULAD

Active

Private limited companyfounded 199927 yrs activePaalstraat 8, 1080 Sint-Jans-Molenbeek, BelgiumKBO/BCE: BE 0466.041.745

Summary

OULAD has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35,916 and a net result of €7,210. Equity is growing by ~19% per year across the filed fiscal years. Its solvency ranks better than 57% of 21069 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Risk analysisWatch Report Compare

OULADActiveChecked score 70/100

Risk analysis Report Compare

Activity

Retail sale of watches and jewellery

NACE 47770NACE 52484

1 site

Size

€86,130total assets 2025

Equity: €35,916
Profit: €7,210

Turnover not published (abridged schema)

Financial health

70 Healthy Checked score 2025

Bankruptcy chance 12 m: 0.7%

Structure

Accounts filed 52 d late0 of 3 deeds read

Why 70- Latest accounts 52 days late; 2 of the last 3 late- Size: total assets €86,130+ Founded in 1999+ Liquidity: current ratio 1.68, cash €13,573Show the evidence

Checked score

Score 2025

70 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 60% of its sector peers (NACE 47, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 67+6

equity 41.7% of total assets

Liquidity 40+14

short-term debt 58.3% · cash 15.8%

Profitability 79+77

return on assets 8.4%

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (39,919 companies)

Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.3%▼ -1.2% vs 12-2024 02-2025: 0.3%▼ -2.2% vs 01-2025lowest value 03-2025: 0.3%● 0.0% vs 02-2025lowest value 04-2025: 0.4%▲ +11.0% vs 03-2025 05-2025: 0.4%▲ +2.3% vs 04-2025 06-2025: 0.4%▼ -2.5% vs 05-2025 07-2025: 0.5%▲ +44.7% vs 06-2025 08-2025: 0.9%▲ +77.4% vs 07-2025 09-2025: 1.1%▲ +17.1% vs 08-2025 10-2025: 1.6%▲ +51.4% vs 09-2025 11-2025: 1.5%▼ -7.4% vs 10-2025 12-2025: 1.5%● 0.0% vs 11-2025 01-2026: 1.5%▼ -1.6% vs 12-2025 02-2026: 1.5%● 0.0% vs 01-2026 03-2026: 1.4%▼ -0.5% vs 02-2026 04-2026: 1.5%▲ +0.9% vs 03-2026 05-2026: 1.5%▼ -0.7% vs 04-2026 06-2026: 1.4%▼ -2.1% vs 05-2026 07-2026: 1.5%▲ +2.5% vs 06-2026 08-2026: 2.2%▲ +53.6% vs 07-2026highest value 09-2026: 2.2%▼ -3.6% vs 08-2026 10-2026: 0.7%▼ -68.6% vs 09-2026

Latest accounts 52 days late; 2 of the last 3 late raises the probability
Founded in 1999 lowers the probability for this profile
Size: total assets €86,130 raises the probability for this profile
Liquidity: current ratio 1.68, cash €13,573 lowers the probability

Credit up to €2,500 at 30 days acceptable

Liquidity ample (current ratio 1.68 against 1.47 in 2024; short-term debt: 58.3% and cash: 15.8% of total assets), but 58.3% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 57%, liquidity 37%, profitability 70%, growth against the median 76%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Latest accounts 52 days late; 2 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Founded in 1999

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Size: total assets €86,130

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Liquidity: current ratio 1.68, cash €13,573

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-09-2026, 52 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 10 filings

Deviation from the deadline

2025

52 d late

2024

61 d late

2023

5 d early

2022

16 d late

2021

26 d late

2020

31 d late

2019

91 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 39 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 26 August (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage