OZ INFORMATION TECHNOLOGY
ActiveOZ INFORMATION TECHNOLOGY has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €304k and a net result of €60k. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 51% of 26052 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability77▲+3
Solvency58▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 1.76 against 1.41 in 2023; short-term debt: 33.1% and cash: 11.4% of total assets), but 66.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-09-2025, 49 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
49 d late
2023
62 d late
2022
69 d late
2021
60 d late
2020
88 d late
2019
104 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€304k▲ 24.7%
2023 · €244k
2018: €114k
2019: €196k
2020: €173k
2021: €176k
2022: €196k
2023: €244k
2018 → 2024
Total assets
€918k▼ 15.1%
2023 · €1.08M
2018: €859k
2019: €1.03M
2020: €936k
2021: €880k
2022: €917k
2023: €1.08M
2018 → 2024
Net result
€60k▲ 25.9%
2023 · €48k
2018: €-15k
2019: €82k
2020: €-23k
2021: €3k
2022: €40k
2023: €48k
2018 → 2024
Working capital
€231k▲ 20.3%
2023 · €192k
2018: €72k
2019: €161k
2020: €173k
2021: €164k
2022: €172k
2023: €192k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€173k-€176k▲ 2.0%€196k▲ 11.1%€244k▲ 24.4%€304k▲ 24.7%
Operating result€8k-€14k▲ 64.2%€74k▲ 447%€83k▲ 12.8%€98k▲ 17.8%
Net result€-23k-€3k€40k▲ 1,060%€48k▲ 20.5%€60k▲ 25.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 18% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €918k
Fixed assets
€384k▼ 9.2%
Current assets
€534k▼ 18.9%
Equity and liabilities €918k
Equity
€304k▲ 24.7%
Debt
€614k▼ 26.7%
The debt ratio falls from 77.5% to 66.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€142k▲
2023 · €126k
Cash flow
€104k▲
2023 · €90k
Solvency
33.1%▲
2023 · 22.5%
Current ratio
1.76▲
2023 · 1.41
Quick ratio
0.76▼
2023 · 0.89
Debt / equity
2.02▼
2023 · 3.44
ROE
19.8%▲
2023 · 19.6%
ROA
6.5%▲
2023 · 4.4%
Interest coverage
13.43▲
2023 · 9.09
Debt
€614k▼
2023 · €838k
Debt ≤ 1 year
€304k▼
2023 · €468k
Debt > 1 year
€310k▼
2023 · €370k
Income taxes
€27k▲
2023 · €22k
Staff costs
€172k▲
2023 · €153k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.08M€918k▼
Fixed assets21/28€423k€384k▼
Tangible fixed assets22/27€422k€383k▼
Land and buildings22€389k€355k▼
Plant, machinery and equipment23€16k€16k▼
Furniture and vehicles24€6k€5k▼
Other tangible fixed assets26€11k€7k▼
Financial fixed assets28€464€464=
Current assets29/58€659k€534k▼
Stocks and contracts in progress3€244k€303k▲
Stocks30/36€244k€303k▲
Amounts receivable within one year40/41€243k€127k▼
Trade receivables40€243k€127k▼
Cash at bank and in hand54/58€170k€105k▼
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€1.08M€918k▼
Equity10/15€244k€304k▲
Contributions10/11€40k€40k=
Capital10€40k€40k=
Issued capital100€40k€40k=
Reserves13€23k€23k=
Non-distributable reserves130/1€4k€4k=
Legal reserve130€4k€4k=
Tax-exempt reserves132€19k€19k=
Profit (loss) carried forward14€181k€241k▲
Amounts payable17/49€838k€614k▼
Amounts payable after more than one year17€370k€310k▼
Financial debts170/4€370k€310k▼
Amounts payable within one year42/48€468k€304k▼
Current portion of amounts payable after more than one year42€68k€68k=
Trade debts44€327k€174k▼
Suppliers440/4€327k€174k▼
Advances received on contracts in progress46€5k-
Taxes, remuneration and social security45€53k€53k▼
Taxes450/3€46k€36k▼
Remuneration and social security454/9€8k€17k▲
Other amounts payable47/48€14k€9k▼
Income statement
Code20232024
Remuneration, social security and pensions62€153k€172k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€44k▲
Other operating charges640/8€10k€11k▲
Gross operating margin9900€289k€326k▲
Operating profit (loss)9901€83k€98k▲
Financial income75/76B-€4
Recurring financial income75-€4
Financial charges65/66B€14k€11k▼
Recurring financial charges65€14k€11k▼
Profit (loss) for the period before taxes9903€69k€87k▲
Income taxes67/77€22k€27k▲
Profit (loss) for the period9904€48k€60k▲
Profit (loss) for the period to be appropriated9905€48k€60k▲
Appropriation of the result
Profit (loss) to be appropriated9906€181k€241k▲
Profit (loss) brought forward from the previous period14P€133k€181k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
01-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 62 days late
2023
31-12
Financial
Equity above €200kEq €244k ▲24.4%
3 profitable years in a row build equity to €244k.
08-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 69 days late
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
31-12
Financial
Weakest financial yearnet €-23k ▼128%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 104 days late
2019
31-12
Financial
Back to profitnet €82k
Net result €82k after one loss-making year.
31-12
Financial
Equity above €150kEq €196k ▲72.4%
Equity rises from €114k to €196k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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 · 2 establishment units since 2010
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Masses Diarbois 526043 CharleroiGround area
1,676 m²
Building footprint
824 m²
Volume, LiDAR
1,103 m³
2 parcels, Wallonia · tallest building 12.6 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
OZ INFORMATION TECHNOLOGY/ EMEL Cérémonie
since 20102.189.769.060
Emel Cérémonie
since 20192.284.134.521
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52012A1076/00H002 | Wallonia | 1,472 m² | 1 · 723 m² | - |
| 52058B0248/00D004indicative | Wallonia | 204 m² | 1 · 101 m² | 12.6 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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STYLE & SENSE
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PALAIS DU CACHE-POUSSIERE VAN ASSCHE
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100 DESSOUS
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CCB
BE 0845.258.592
Charleroi · Eq €303k
Of 6,501 companies in sector 47716 we hold annual accounts for 2,439. 1,633 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-07-2010
Fiscal year end31-12
Activities, NACEBEL
47711Retail sale of women's outerwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
62030Computer programming, consultancy and related activities
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.