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Generated 12-08-2026
Active BE 1002.896.064Private limited company

OZK.BE

Parc Ind. des Hauts Sarts, 4e av 2 ·4040 Herstal, Belgium· 2 yrs active
Sector: Handelsbemiddeling in de niet-gespecialiseerde groothandel (46190)
Conclusion Checked

The computed 12-month bankruptcy probability of OZK.BE is 1.8% (moderate). The 2024 annual accounts show equity of €200k and a net result of €194k. Its solvency ranks better than 38% of 548 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €200k
Net result €194k
Staff (FTE) 3
Better than sector 38%
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health66Profitability77Solvency32Growth-Stability67
60 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 66
Profitability 77
Solvency 32
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
1.8% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
66 / 100 Healthy
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 15-07-2025 with the NBB · fiscal year 2024 · volledig
Sector comparison
Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 21.1% 31.0%
better than 38% of 548 sector peers
Net result €194k €47k
better than 66% of 548 sector peers
Equity €200k €469k
better than 40% of 549 sector peers
Gross operating margin €349k €125k
better than 70% of 339 sector peers
Staff costs €51k €494k
higher than 15% of 404 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositvolledig
Revenue€2.26M
EBITDA€291k
Net profit€194k
Cash flow€210k
Staff costs€51k
Income taxes€74k
Dividends€0
Total assets€948k
Equity€200k
Debt€749k
of which ≤ 1y€622k
of which > 1y€126k
Working capital€132k
Employees (FTE)3.0
Ratios (computed)
2024
Current ratio1.21
Quick ratio0.46
Working capital ratio13.9%
Solvency21.1%
Debt / equity3.75
Long-term debt ratio0.63
Interest coverage37.04
Gross margin1.7%
Net margin8.6%
ROA20.4%
ROE97.0%
EBITDA margin12.9%
Days sales outstanding37d
Days payable outstanding74d
Inventory turnover4.78
Days inventory (DSI)76d
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€948k
Fixed assets 21/28€195k
Formation expenses 20€0
Intangible fixed assets 21€0
Tangible fixed assets 22/27€195k
Financial fixed assets 28€0
Current assets 29/58€753k
Stocks & contracts in progress 3€466k
Amounts receivable within one year 40/41€235k
Investments 50/53€0
Cash & bank 54/58€53k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€948k
Equity 10/15€200k
Contributions / capital 10/11€6k
Reserves 13€0
Accumulated profits (losses) 14€194k
Provisions & deferred taxes 16€0
Amounts payable 17/49€749k
Amounts payable after one year 17€126k
Amounts payable within one year 42/48€622k
Trade debts payable within one year 44€452k
Income statement
Turnover 70€2.26M
Gross operating margin 9900€349k
Operating result 9901€275k
Financial income 75€450
Financial charges 65€8k
Result before taxes 9903€268k
Income taxes 67/77€74k
Net result for the period 9904€194k
Result to be appropriated 9905€194k
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • Ozkan Michaël
    Director
    State Gazette act 25137860 (30-10-2025)
    Current
    30-10-2025 → present
Former directors (1)
  • OZK LUXLegal entity
    Director· perm. rep.: Sylvie Reding
    State Gazette act 25137860 (30-10-2025)
    Former
    - → 30-10-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Handelsbemiddeling in de niet-gespecialiseerde groothandel(46190)
Legal form Private limited company(610)
Incorporation01-12-2023
StatusActive
Postal code4040
Establishment units 1 location
OZK.BE
Parc Ind. des Hauts Sarts, 4e av 2, 4040 HerstalHandelsbemiddeling in de niet-gespecialiseerde groothandel
since 20232.352.950.972
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
30-10-2025
State Gazette act Director changes
v3.2
15-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
2024
24-10-2024
State Gazette act Registered-office change
v3.2
Belgisch Staatsblad, acts 2 acts
Address history · 1
24-10-2024
v3.2
All acts · 2 updated 9 months ago
2025
30-10-2025 1 director appointed, 1 resigning Director changes
  • Ozkan Michaël, Bestuurder
  • Sylvie Reding, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Sylvie Reding",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": null,
        "name": "OZK LUX",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "evidence_quote": "le changement d\u0027administrateur de OZK LUX, repr\u00E9sent\u00E9 par Sylvie Reding, par Monsieur Ozkan Micha\u00EBl."
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Ozkan Micha\u00EBl",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "le changement d\u0027administrateur de OZK LUX, repr\u00E9sent\u00E9 par Sylvie Reding, par Monsieur Ozkan Micha\u00EBl."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "1002.896.064",
    "name_full": "OZK.BE",
    "legal_form": "SRL"
  }
}
2024
24-10-2024 Registered office moved within Herstal Registered-office change
  • Parc Industriel des Hauts Sarts - 1e avenue 22, 4040 Herstal → Parc Industriel des Hauts Sarts - 4ème Avenue 2D, 4040 Herstal
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Herstal",
        "region": null,
        "street": "Parc Industriel des Hauts Sarts - 4\u00E8me Avenue",
        "country": "BE",
        "postcode": "4040",
        "box_number": null,
        "street_number": "2D"
      },
      "old_address": {
        "city": "Herstal",
        "region": null,
        "street": "Parc Industriel des Hauts Sarts - 1e avenue",
        "country": "BE",
        "postcode": "4040",
        "box_number": null,
        "street_number": "22"
      },
      "effective_date": "2024-09-10",
      "evidence_quote": "l\u0027assembl\u00E9e g\u00E9n\u00E9rale extraordinaire approuve le transfert de si\u00E8ge social de l\u0027adresse \u003C\u003C Parc Industriel des Hauts Sarts - 1e avenue 22, \u0412- 4040 Herstal \u003E vers l\u0027adresse \u003C Parc Industriel des Hauts Sarts - 4\u00E8me Avenue 2D, B-4040 Herstal \u003E et ce avec effet imm\u00E9diat."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "1002.896.064",
    "name_full": "OZK.BE",
    "legal_form": "SRL"
  }
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Handelsbemiddeling in goederen, algemeen assortiment46190Handelsbemiddeling in de niet-gespecialiseerde groothandel46190Niet-gespecialiseerde groothandel46900Niet-gespecialiseerde groothandel46900
Primary activity highlighted.
Names & trade names
Legal nameFR OZK.BE
Registered office
Parc Ind. des Hauts Sarts, 4e av 2
4040 Herstal, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative