OVK
ActiveSummary
OVK has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116,714 and a net result of €14,098. Equity is growing by ~23.7% per year across the filed fiscal years. Its solvency ranks better than 35% of 10485 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability47▼-12
Solvency49▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 1.72 against 1.5 in 2024; short-term debt: 57.7% and cash: 5% of total assets), but 76.4% 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
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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
23.6%
Return on assets
2.9%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 7 filingsDeviation from the deadline
2025
4 d late
2024
35 d early
2023
37 d early
2022
11 d early
2021
39 d early
2020
25 d early
2019
on the day
← 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 20 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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€116,714▲ 21.1%
2024 · €96,416
Total assets
€494,287▼ 2.8%
2024 · €508,353
Net result
€14,098▲ 5.4%
2024 · €13,372
Working capital
€205,491▲ 26.2%
2024 · €162,870
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€37,927€26,875▼ 29.1%€30,705▲ 14.2%€27,371▼ 10.9%€29,427▲ 7.5%
Net result€28,101above the sector's middle half€15,420within the sector's middle half▼ 45.1%€16,221within the sector's middle half▲ 5.2%€13,372within the sector's middle half▼ 17.6%€14,098within the sector's middle half▲ 5.4%
Equity€51,402within the sector's middle half▲ 121%€66,823within the sector's middle half▲ 30.0%€83,044below the sector's middle half▲ 24.3%€96,416below the sector's middle half▲ 16.1%€116,714within the sector's middle half▲ 21.1%
Total assets€429,534above the sector's middle half▲ 29.5%€471,241above the sector's middle half▲ 9.7%€506,068below the sector's middle half▲ 7.4%€508,353below the sector's middle half▲ 0.5%€494,287within the sector's middle half▼ 2.8%
Debt€378,132▲ 22.6%€404,419▲ 7.0%€423,024▲ 4.6%€411,938▼ 2.6%€377,573▼ 8.3%
Working capital€112,187▼ 6.2%€135,010▲ 20.3%€180,917▲ 34.0%€162,870▼ 10.0%€205,491▲ 26.2%
Solvency12.0%within the sector's middle half▲ 4.9pp14.2%within the sector's middle half▲ 2.2pp16.4%below the sector's middle half▲ 2.2pp19.0%within the sector's middle half▲ 2.6pp23.6%within the sector's middle half▲ 4.6pp
Staff (FTE)1.4▲ 7.7%1.4=1.3below the sector's middle half▼ 7.1%1.3below the sector's middle half=2within the sector's middle half▲ 53.8%
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 recovers in 2025; 2025 is 8% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €494,287
Fixed assets
€3,721 ▼ 80.9%
Current assets
€490,566 ▲ 0.3%
Equity and liabilities €494,287
Equity
€116,714 ▲ 21.1%
Debt
€377,573 ▼ 8.3%
Debt's share of the balance-sheet total falls from 81.0% to 76.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33,715▼
2024 · €43,248
Cash flow
€18,387▼
2024 · €29,249
Current ratio
1.72▲
2024 · 1.50
Quick ratio
0.14▼
2024 · 0.16
Debt to equity
3.24▼
2024 · 4.27
ROE
12.1%▼
2024 · 13.9%
ROA
2.9%▲
2024 · 2.6%
Interest coverage
2.98▼
2024 · 4.42
Debt ≤ 1 year
€285,075▼
2024 · €325,988
Debt > 1 year
€54,154▼
2024 · €82,223
Income taxes
€4,010▼
2024 · €4,206
Staff costs
€56,290▲
2024 · €52,609
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,270 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
2.1%
went bankrupt
2.5%
stopped otherwise
95%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.4% 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 497,058 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% | 1.6% |
| 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 74% 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 3,270 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 | - | - | - | - | €12,852 | - |
| Remuneration, social security and pensions62 | €49,341 | €42,066 | €50,673 | €52,609 | €56,290 | ▲ 7.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,613 | €28,159 | €28,178 | €15,877 | €4,289 | ▼ 73.0% |
| Other operating charges640/8 | €101 | €102 | €109 | €118 | €120 | ▲ 1.7% |
| Gross operating margin9900 | €109,982 | €97,201 | €109,664 | €95,975 | €90,126 | ▼ 6.1% |
| Operating profit (loss)9901 | €37,927 | €26,875 | €30,705 | €27,371 | €29,427 | ▲ 7.5% |
| Financial charges65/66B | €7,214 | €6,942 | €9,671 | €9,793 | €11,319 | ▲ 15.6% |
| Recurring financial charges65 | €7,214 | €6,942 | €9,671 | €9,793 | €11,319 | ▲ 15.6% |
| Profit (loss) for the period before taxes9903 | €30,713 | €19,934 | €21,034 | €17,578 | €18,108 | ▲ 3.0% |
| Income taxes67/77 | €2,612 | €4,513 | €4,812 | €4,206 | €4,010 | ▼ 4.7% |
| Profit (loss) for the period9904 | €28,101 | €15,420 | €16,221 | €13,372 | €14,098 | ▲ 5.4% |
| Profit (loss) for the period to be appropriated9905 | €28,101 | €15,420 | €16,221 | €13,372 | €14,098 | ▲ 5.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €429,534 | €471,241 | €506,068 | €508,353 | €494,287 | ▼ 2.8% |
| Fixed assets21/28 | €90,542 | €63,551 | €35,373 | €19,496 | €3,721 | ▼ 80.9% |
| Tangible fixed assets22/27 | €90,542 | €63,551 | €35,373 | €19,496 | €3,721 | ▼ 80.9% |
| Land and buildings22 | €12,356 | €8,148 | €3,941 | €1,532 | - | - |
| Plant, machinery and equipment23 | €21,691 | €14,340 | €5,804 | €2,866 | €3,714 | ▲ 29.6% |
| Furniture and vehicles24 | €56,496 | €41,062 | €25,628 | €15,098 | €7 | ▼ 100.0% |
| Current assets29/58 | €338,992 | €407,691 | €470,695 | €488,857 | €490,566 | ▲ 0.3% |
| Stocks and contracts in progress3 | €266,164 | €306,431 | €383,381 | €435,732 | €450,771 | ▲ 3.5% |
| Stocks30/36 | €266,164 | €306,431 | €383,381 | €435,732 | €450,771 | ▲ 3.5% |
| Amounts receivable within one year40/41 | €17,683 | €14,449 | €25,594 | €12,425 | €11,467 | ▼ 7.7% |
| Trade receivables40 | €5,295 | €11,462 | €22,906 | €9,130 | €7,977 | ▼ 12.6% |
| Other amounts receivable41 | €12,388 | €2,987 | €2,688 | €3,294 | €3,490 | ▲ 5.9% |
| Current investments50/53 | €3,600 | €3,600 | €3,600 | €3,600 | €3,600 | = |
| Cash at bank and in hand54/58 | €51,545 | €45,319 | €58,108 | €37,101 | €24,728 | ▼ 33.4% |
| Deferred charges and accrued income490/1 | - | €37,892 | €12 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €429,534 | €471,241 | €506,068 | €508,353 | €494,287 | ▼ 2.8% |
| Equity10/15 | €51,402 | €66,823 | €83,044 | €96,416 | €116,714 | ▲ 21.1% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €18,600 | ▲ 50.0% |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | - | - | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €37,142 | €52,563 | €68,784 | €82,156 | €96,254 | ▲ 17.2% |
| Amounts payable17/49 | €378,132 | €404,419 | €423,024 | €411,938 | €377,573 | ▼ 8.3% |
| Amounts payable after more than one year17 | €151,327 | €110,155 | €130,601 | €82,223 | €54,154 | ▼ 34.1% |
| Financial debts170/4 | €151,327 | €110,155 | €130,601 | €82,223 | €54,154 | ▼ 34.1% |
| Amounts payable within one year42/48 | €226,805 | €272,680 | €289,778 | €325,988 | €285,075 | ▼ 12.6% |
| Current portion of amounts payable after more than one year42 | €30,474 | €27,160 | €39,552 | €33,678 | €28,069 | ▼ 16.7% |
| Financial debts43 | €150,000 | €150,000 | €125,000 | €145,300 | €130,300 | ▼ 10.3% |
| Credit institutions430/8 | €150,000 | €150,000 | €125,000 | €145,300 | €130,300 | ▼ 10.3% |
| Trade debts44 | €5,491 | €830 | €12,902 | €9,180 | €13,623 | ▲ 48.4% |
| Suppliers440/4 | €5,491 | €830 | €12,902 | €9,180 | €13,623 | ▲ 48.4% |
| Advances received on contracts in progress46 | - | - | - | €37,796 | - | - |
| Taxes, remuneration and social security45 | €13,064 | €18,818 | €18,742 | €17,569 | €29,891 | ▲ 70.1% |
| Taxes450/3 | €9,008 | €17,171 | €15,442 | €13,255 | €29,891 | ▲ 126% |
| Remuneration and social security454/9 | €4,056 | €1,646 | €3,300 | €4,314 | - | - |
| Other amounts payable47/48 | €27,777 | €75,873 | €93,583 | €82,464 | €83,192 | ▲ 0.9% |
| Accrued charges and deferred income492/3 | - | €21,583 | €2,644 | €3,727 | €38,344 | ▲ 929% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €28,101 | €15,420 | €16,221 | €13,372 | €14,098 | ▲ 5.4% |
| + Depreciation and write-downs630 | €22,613 | €28,159 | €28,178 | €15,877 | €4,289 | ▼ 73.0% |
| Operating cash flow (approximation) | €50,714 | €43,579 | €44,399 | €29,249 | €18,387 | ▼ 37.1% |
| Investment in fixed assets (approximation) | - | -€1,167 | €0 | €0 | €11,486 | - |
| Change in cash | - | -€6,226 | €12,789 | -€21,007 | -€12,373 | ▲ 41.1% |
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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 4 days late
2025
31-12
Financial
Equity above €100,000Eq €116,714 ▲21.1%
5 profitable years in a row build equity to €116,714.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €28,101
Net result €28,101 after one loss-making year.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet -€6,720
Net result drops to -€6,720, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
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, Laakdal · 1 establishment unit since 2019
Ground area
201 m²
Building footprint
367 m²
Volume, LiDAR
1,599 m³
Parcel 13042A0436/00G000, Flanders · tallest building 10.2 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
OVK
since 20192.285.605.555
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13042A0436/00G000 | Flanders | 201 m² | 1 · 367 m² | 10.2 m · 1 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.
Recognitions · licences · registrations
Dual-learning approval
2 live approvalsBrom- en motorfietsinstallaties duaal (so)
Mecanicien bromfietsen en motorfietsen (vwo)
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Of 1,465 companies in sector 47632 we hold annual accounts for 733. 633 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
Founded19-02-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47632Retail sale of bicycles
47639Retail sale of other sporting goods
95290Repair and maintenance of other personal and household goods
E-invoicing
Reachable via Peppol
Peppol ID
0208:0720896575
Also
9925:BE0720896575
Registered
03-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.