Equity
-€1,817
Debts exceed assets in financial year 2025.
RETIRO
Lifetime
7 annual accounts with figures on one time axispeak €2.5m (2019)
€4,107▲ 36.3%
lowest -€31,578 (2021)
€854▲ €1,070
peak €27,590 (2020)
-€1,817▲ €854
€136,882▼ 1.7%
Board4 names since 2018
-
Documentsfilings and deeds
26-06-202635 days before the deadline
2025micro format
Gross margin from €3,013 to €4,107Back to profit: €854Equity from -€2,671 to -€1,817Cash from €1,026 to €1,919
Key points
from the 2025 annual accountsDebts
€136,882 101% of the balance sheet
Position in the sector
-€1,817
Less equity than 90% of companies in computing infrastructure and information services. Sector median €60,701 · 2,301 companies.
Checked score
54
Fair
Financially stronger than 30% of micro companies in computing infrastructure and information services (NACE 63)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 2,947 companies (NACE 63, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.6%● unchanged vs 12-2024
02-2025: 0.6%● unchanged vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.6%● unchanged vs 03-2025
05-2025: 0.6%● unchanged vs 04-2025
06-2025: 0.6%● unchanged vs 05-2025
07-2025: 0.7%▲ +0.1 percentage points vs 06-2025
08-2025: 0.7%● unchanged vs 07-2025
09-2025: 0.7%● unchanged vs 08-2025
10-2025: 0.7%● unchanged vs 09-2025
11-2025: 0.7%● unchanged vs 10-2025
12-2025: 0.7%● unchanged vs 11-2025
01-2026: 0.7%● unchanged vs 12-2025
02-2026: 0.7%● unchanged vs 01-2026
03-2026: 0.7%● unchanged vs 02-2026
04-2026: 0.6%▼ -0.1 percentage points vs 03-2026
05-2026: 0.6%● unchanged vs 04-2026
06-2026: 0.6%● unchanged vs 05-2026
07-2026: 0.6%● unchanged vs 06-2026
08-2026: 0.8%▲ +0.2 percentage points vs 07-2026
09-2026: 0.9%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.5%▼ -0.4 percentage points vs 09-2026lowest value
11-2026: 0.5%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€1,817
Liquidity: current ratio 0.01, cash €1,919
lowers risk
Size: total assets €135,065
Sector: Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 63, micro). It does better than 12% of them on solvency, 2% on liquidity, 35% on profitability and 73% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 906 companies had the same profile as RETIRO has now. Each dot stands for 3 companies, two years later.
89.4%
were still trading
4.1%
stopped another way
6.1%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of RETIRO itself is lower: 0.5% within 12 months. It rests on far more data about RETIRO than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 906 companies, not a prediction for RETIRO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.01 (0.01 in 2024), below 1. Short-term debt is 101.3% and cash 1.4% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 2301 sector peers (2025).
NBB · sector comparisonPosition among 2301 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-06-2026, 35 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
35 days early
2024
28 days early
2023
26 days late
2022
24 days early
2021
27 days early
2020
31 days early
2019
21 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 20 days before the deadline. In the sector (NACE 63), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 4 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0702779054
Changes of role: GUTTMANN Oliver, BUNTINX Johan and KOSTEN Dieter
General meeting of 03-06-2024 · Gazette deed
Registered office moved within Oudsbergen
New registered office: Elf Septemberlaan 19, 3660 Oudsbergen · Previous registered office: Centrumstraat 49, 3660 Oudsbergen · Board meeting of 07-09-2022 · Gazette deed
Incorporation
Founders: KOSTEN Dieter, BUNTINX Johan and GUTTMANN Olivier · Founding capital of €18,600, 100 shares, €12,400 paid up · Appointments: KOSTEN Dieter, BUNTINX Johan and GUTTMANN Olivier · published on 06-09-2018 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RETIRO Oudsbergen | €135,065 | €4,107 | -1.3% | - |
| MOBIA Evere | €193,497 | €4,765 | 54.9% | - |
| A Transformational Journey Merelbeke-Melle | €104,856 | €6,724 | 80.7% | - |
| MELEX Les Bons Villers | €132,866 | €3,000 | 49.7% | - |
| VR PROJECTS Pajottegem | €128,478 | €7,845 | 75.8% | - |
| eLVeCon Diepenbeek | €121,354 | €8,136 | 95.3% | - |
| CHIMPS.LAB Molenbeek-Saint-Jean | €81,857 | €6,463 | 70.2% | - |
These companies have the same main activity as RETIRO: other information service activities (NACE 63920). They are comparable in size and age: total assets between €81,900 and €193,000, founded between 2017 and 2021.
Official details
Source: KBO- Status
- Active since 04-09-2018Normal situation
- Activity
- Other information service activitiesNACE 63920and 3 others
- Establishment unit
- 2.279.733.4913660 Oudsbergen, since 04-09-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 20-08-2025
Annual accounts 2025
- ≈ €31,000estimated
- €135,065▼ 1.1%
- Filing
- Filed on 26-06-2026, 35 days before the end of the filing period
Insights on RETIRO
RETIRO files the micro format. That format states no turnover. The gross margin fell from €2.5m in 2019 to €4,107 in 2025.
The balance sheet grew most in 2021 through fixed assets.
In June 2024, three directors stepped down.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about RETIRO
- What is the company number of RETIRO?
- The company number of RETIRO is 0702.779.054. The VAT number is the same number with BE in front: BE 0702.779.054.
- Where is RETIRO based?
- The registered office is at Elf-Septemberlaan 19, 3660 Oudsbergen.Company details
- What does RETIRO do?
- According to the KBO register, the main activity is other information service activities (NACE 63920).
- What is the legal form of RETIRO?
- RETIRO is a private limited company (BV).
- When was RETIRO founded?
- RETIRO was founded on 04-09-2018.
- Is RETIRO still active?
- Yes, RETIRO is an active enterprise in the KBO register.
- What is the turnover of RETIRO?
- The turnover in financial year 2025 is ≈ €31,000. This figure is estimated from the gross margin of €4,107 and 6,297 comparable companies of the same size. It probably lies between €14,000 and €75,000. It is a rough estimate.Financials
- Is RETIRO profitable?
- In financial year 2025, RETIRO made a profit of €854.
- Where can I find the annual accounts of RETIRO?
- RETIRO filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of RETIRO due?
- RETIRO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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