OURY
ActiveSummary
OURY has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €226,851 and a net result of -€10,783. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 69% of 10519 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability15▼-31
Solvency81▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13,000 at 30 days acceptable
Liquidity ample (current ratio 2.22 against 2.3 in 2024; short-term debt: 43.9% and cash: 24.7% of total assets), and 43.9% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 filingsDeviation from the deadline
2025
27 d late
2024
28 d late
2023
29 d late
2022
31 d late
2021
26 d late
2020
29 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 37 days after 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. Usually files around 28 August (5 of the last 5 filed years within 30 days of that day).
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, abbreviated schema
Equity
€226,851▼ 4.5%
2024 · €237,634
Total assets
€404,234▼ 1.3%
2024 · €409,410
Net result
-€10,783
2024 · €164
Working capital
€216,435▼ 3.0%
2024 · €223,026
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
Operating result€59,910▲ 27.3%€839▼ 98.6%€26,115▲ 3,013%€134▼ 99.5%-€12,807
Net result€45,228above the sector's middle half▲ 39.8%-€1,729within the sector's middle half€21,110above the sector's middle half€164within the sector's middle half▼ 99.2%-€10,783below the sector's middle half
Equity€220,890above the sector's middle half▲ 25.7%€219,161above the sector's middle half▼ 0.8%€240,271above the sector's middle half▲ 9.6%€237,634above the sector's middle half▼ 1.1%€226,851within the sector's middle half▼ 4.5%
Total assets€337,125above the sector's middle half▼ 4.1%€415,393above the sector's middle half▲ 23.2%€400,554above the sector's middle half▼ 3.6%€409,410above the sector's middle half▲ 2.2%€404,234within the sector's middle half▼ 1.3%
Debt€116,235▼ 33.9%€196,232▲ 68.8%€160,283▼ 18.3%€171,776▲ 7.2%€177,383▲ 3.3%
Working capital€200,328above the sector's middle half▲ 17.5%€202,286above the sector's middle half▲ 1.0%€227,041above the sector's middle half▲ 12.2%€223,026above the sector's middle half▼ 1.8%€216,435within the sector's middle half▼ 3.0%
Solvency65.5%above the sector's middle half▲ 15.5pp52.8%within the sector's middle half▼ 12.8pp60.0%within the sector's middle half▲ 7.2pp58.0%within the sector's middle half▼ 1.9pp56.1%within the sector's middle half▼ 1.9pp
Current ratio2.72within the sector's middle half▲ 0.752.03within the sector's middle half▼ 0.692.42within the sector's middle half▲ 0.392.30within the sector's middle half▼ 0.122.22within the sector's middle half▼ 0.08
Return on assets (ROA)13.4%within the sector's middle half▲ 4.2pp-0.4%within the sector's middle half▼ 13.8pp5.3%within the sector's middle half▲ 5.7pp0.0%within the sector's middle half▼ 5.2pp-2.7%below the sector's middle half▼ 2.7pp
Staff (FTE)12▲ 100%2=1.5▼ 25.0%1below the sector's middle half▼ 33.3%
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 abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €12,807 after €134 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €404,234
Fixed assets
€10,416 ▼ 28.7%
Current assets
€393,818 ▼ 0.2%
Equity and liabilities €404,234
Equity
€226,851 ▼ 4.5%
Debt
€177,383 ▲ 3.3%
Debt's share of the balance-sheet total rises from 42.0% to 43.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€8,615▼
2024 · €3,774
Cash flow
-€6,591▼
2024 · €3,804
Quick ratio
0.70▲
2024 · 0.62
Debt to equity
0.78▲
2024 · 0.72
ROE
-4.8%▼
2024 · 0.1%
Interest coverage
-2.56▼
2024 · 3.26
Debt ≤ 1 year
€177,383▲
2024 · €171,776
Income taxes
€146▼
2024 · €1,457
Staff costs
€43,800▼
2024 · €60,415
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.5%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% 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 12,321 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €5,500 | - | - | - | - | - |
| Remuneration, social security and pensions62 | €29,722 | €69,136 | €49,498 | €60,415 | €43,800 | ▼ 27.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,165 | €3,687 | €3,645 | €3,640 | €4,192 | ▲ 15.2% |
| Other operating charges640/8 | €306 | €323 | €168 | - | €168 | - |
| Gross operating margin9900 | €92,103 | €73,985 | €79,426 | €64,189 | €35,353 | ▼ 44.9% |
| Operating profit (loss)9901 | €59,910 | €839 | €26,115 | €134 | -€12,807 | ▼ 9,657% |
| Financial income75/76B | €1,583 | €402 | €3,452 | €2,643 | €5,530 | ▲ 109% |
| Recurring financial income75 | €1,583 | €402 | €3,452 | €2,643 | €2,280 | ▼ 13.7% |
| Non-recurring financial income76B | - | - | - | - | €3,250 | - |
| Financial charges65/66B | €1,371 | €1,944 | €1,918 | €1,156 | €3,360 | ▲ 191% |
| Recurring financial charges65 | €1,371 | €1,944 | €1,918 | €1,156 | €3,360 | ▲ 191% |
| Profit (loss) for the period before taxes9903 | €60,122 | -€703 | €27,649 | €1,621 | -€10,637 | ▼ 756% |
| Income taxes67/77 | €14,894 | €1,026 | €6,539 | €1,457 | €146 | ▼ 90.0% |
| Profit (loss) for the period9904 | €45,228 | -€1,729 | €21,110 | €164 | -€10,783 | ▼ 6,675% |
| Profit (loss) for the period to be appropriated9905 | €45,228 | -€1,729 | €21,110 | €164 | -€10,783 | ▼ 6,675% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €337,125 | €415,393 | €400,554 | €409,410 | €404,234 | ▼ 1.3% |
| Fixed assets21/28 | €20,562 | €16,875 | €13,230 | €14,608 | €10,416 | ▼ 28.7% |
| Tangible fixed assets22/27 | €20,550 | €16,863 | €13,218 | €14,596 | €10,404 | ▼ 28.7% |
| Plant, machinery and equipment23 | - | - | - | €858 | €586 | ▼ 31.7% |
| Furniture and vehicles24 | €2,868 | €1,471 | €116 | €2,926 | €959 | ▼ 67.2% |
| Other tangible fixed assets26 | €17,682 | €15,392 | €13,102 | €10,812 | €8,859 | ▼ 18.1% |
| Financial fixed assets28 | €12 | €12 | €12 | €12 | €12 | = |
| Current assets29/58 | €316,563 | €398,518 | €387,324 | €394,802 | €393,818 | ▼ 0.2% |
| Stocks and contracts in progress3 | €212,538 | €293,221 | €249,430 | €287,481 | €269,749 | ▼ 6.2% |
| Stocks30/36 | €212,538 | €293,221 | €249,430 | €287,481 | €269,749 | ▼ 6.2% |
| Amounts receivable within one year40/41 | €550 | €9,399 | €16,945 | €13,250 | €19,105 | ▲ 44.2% |
| Trade receivables40 | - | - | €1,050 | €1,050 | €511 | ▼ 51.3% |
| Other amounts receivable41 | €550 | €9,399 | €15,895 | €12,200 | €18,594 | ▲ 52.4% |
| Current investments50/53 | - | - | €40,000 | €20,000 | - | - |
| Cash at bank and in hand54/58 | €99,075 | €91,009 | €75,845 | €69,193 | €99,945 | ▲ 44.4% |
| Deferred charges and accrued income490/1 | €4,400 | €4,889 | €5,104 | €4,878 | €5,019 | ▲ 2.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €337,125 | €415,393 | €400,554 | €409,410 | €404,234 | ▼ 1.3% |
| Equity10/15 | €220,890 | €219,161 | €240,271 | €237,634 | €226,851 | ▼ 4.5% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €202,298 | €202,298 | €221,679 | €219,042 | €208,259 | ▼ 4.9% |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Tax-exempt reserves132 | €9,339 | €9,339 | €9,339 | €9,339 | €9,339 | = |
| Distributable reserves133 | €191,100 | €191,100 | €210,481 | €207,844 | €197,061 | ▼ 5.2% |
| Profit (loss) carried forward14 | - | -€1,729 | - | - | - | - |
| Amounts payable17/49 | €116,235 | €196,232 | €160,283 | €171,776 | €177,383 | ▲ 3.3% |
| Amounts payable within one year42/48 | €116,235 | €196,232 | €160,283 | €171,776 | €177,383 | ▲ 3.3% |
| Current portion of amounts payable after more than one year42 | - | - | €2,500 | €2,500 | €2,500 | = |
| Trade debts44 | €69,475 | €167,552 | €138,291 | €107,576 | €159,708 | ▲ 48.5% |
| Suppliers440/4 | €69,475 | €167,552 | €138,291 | €107,576 | €159,708 | ▲ 48.5% |
| Advances received on contracts in progress46 | €10,584 | €3,438 | €3,000 | €43,972 | €3,847 | ▼ 91.3% |
| Taxes, remuneration and social security45 | €16,113 | €12,379 | €6,006 | €12,855 | €8,214 | ▼ 36.1% |
| Taxes450/3 | €11,439 | €1,466 | €6,006 | €2,957 | €2,118 | ▼ 28.4% |
| Remuneration and social security454/9 | €4,674 | €10,913 | - | €9,898 | €6,096 | ▼ 38.4% |
| Other amounts payable47/48 | €20,063 | €12,863 | €10,486 | €4,873 | €3,114 | ▼ 36.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €45,228 | -€1,729 | €21,110 | €164 | -€10,783 | ▼ 6,675% |
| + Depreciation and write-downs630 | €2,165 | €3,687 | €3,645 | €3,640 | €4,192 | ▲ 15.2% |
| Operating cash flow (approximation) | €47,393 | €1,958 | €24,755 | €3,804 | -€6,591 | ▼ 273% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€5,018 | €0 | ▲ 100% |
| Change in cash | - | -€8,066 | -€15,164 | -€6,652 | €30,752 | ▲ 562% |
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet -€10,783
Net result drops to -€10,783, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €21,110
Net result €21,110 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Highest result since 2018net €45,228 ▲39.8%
Net result €45,228, the highest in the series.
31-12
Financial
Equity above €200,000Eq €220,890 ▲25.7%
4 profitable years in a row build equity to €220,890.
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
31-12
Financial
Equity above €150,000Eq €175,662 ▲22.6%
3 profitable years in a row build equity to €175,662.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
Show earlier events
2019
31-12
Financial
Equity above €100,000Eq €143,302 ▲45.6%
2 profitable years in a row build equity to €143,302.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
27-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Charleroi · 1 establishment unit since 1991
Ground area
214 m²
Building footprint
68 m²
Volume, LiDAR
554 m³
Parcel 52047B0495/00R005, Wallonia · tallest building 9.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Mons 57, 6031 Charleroi
since 19912.052.049.945
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52047B0495/00R005 | Wallonia | 214 m² | 1 · 68 m² | 9.0 m · 3 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 1,127 companies in sector 47830 we hold annual accounts for 467. 380 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
Founded07-03-1991
Fiscal year end31-12
Activities, NACEBEL 2025
47830Retail sale of motorcycles and motorcycle parts and accessories
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0443265650
Also
9925:BE0443265650
Registered
26-03-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.