THY-OEIL
ActiveSummary
THY-OEIL has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €405k and a net result of €35k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 56% of 16618 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability76▼-5
Solvency94▲+6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.42 against 2.48 in 2024; short-term debt: 12.1% and cash: 6.9% of total assets), and 31.1% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← 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
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
68.9%
Return on assets
5.9%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
on the day
2021
on the day
2020
2 d late
2019
5 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Equity
€405k▼ 2.2%
2024 · €414k
Total assets
€588k▼ 10.3%
2024 · €655k
Net result
€35k▼ 44.2%
2024 · €62k
Working capital
€172k▼ 1.6%
2024 · €175k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€102k▲ 12.8%€118k▲ 15.8%€118k▼ 0.2%€96k▼ 18.6%€66k▼ 31.4%
Net result€67k▲ 12.0%€80k▲ 18.8%€80k▼ 0.3%€62k▼ 21.6%€35k▼ 44.2%
Equity€276k▲ 32.2%€356k▲ 28.9%€382k▲ 7.4%€414k▲ 8.3%€405k▼ 2.2%
Total assets€534k▲ 9.1%€566k▲ 6.0%€582k▲ 2.9%€655k▲ 12.5%€588k▼ 10.3%
Debt€258k▼ 8.1%€210k▼ 18.5%€200k▼ 4.7%€241k▲ 20.4%€183k▼ 24.1%
Working capital€173k▲ 61.6%€230k▲ 33.2%€207k▼ 9.8%€175k▼ 15.9%€172k▼ 1.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 31% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €588k
Fixed assets
€345k ▼ 5.0%
Current assets
€243k ▼ 16.9%
Equity and liabilities €588k
Equity
€405k ▼ 2.2%
Debt
€183k ▼ 24.1%
Debt's share of the balance-sheet total falls from 36.7% to 31.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€152k▼
2024 · €157k
Cash flow
€121k▼
2024 · €123k
Current ratio
3.42▲
2024 · 2.48
Debt to equity
0.45▼
2024 · 0.58
ROE
8.6%▼
2024 · 15.1%
ROA
5.9%▼
2024 · 9.5%
Interest coverage
16.26▼
2024 · 16.80
Debt ≤ 1 year
€71k▼
2024 · €118k
Debt > 1 year
€112k▼
2024 · €123k
Income taxes
€23k▼
2024 · €26k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €31k | €47k | €50k | €61k | €86k | ▲ 40.9% |
| Other operating charges640/8 | - | €3k | €4k | €11k | €5k | ▼ 57.5% |
| Non-recurring operating charges66A | - | €703 | €128 | €262 | €302 | ▲ 15.3% |
| Gross operating margin9900 | €136k | €169k | €172k | €168k | €157k | ▼ 6.9% |
| Operating profit (loss)9901 | €102k | €118k | €118k | €96k | €66k | ▼ 31.4% |
| Financial income75/76B | - | €1k | €1k | €2k | €1k | ▼ 9.4% |
| Recurring financial income75 | €863 | €1k | €1k | €2k | €1k | ▼ 9.4% |
| Financial charges65/66B | - | €11k | €10k | €9k | €9k | ▼ 0.1% |
| Recurring financial charges65 | €12k | €11k | €10k | €9k | €9k | ▼ 0.1% |
| Profit (loss) for the period before taxes9903 | €90k | €108k | €109k | €88k | €58k | ▼ 34.3% |
| Income taxes67/77 | €23k | €29k | €29k | €26k | €23k | ▼ 10.2% |
| Profit (loss) for the period9904 | €67k | €80k | €80k | €62k | €35k | ▼ 44.2% |
| Profit (loss) for the period to be appropriated9905 | €67k | €80k | €80k | €62k | €35k | ▼ 44.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €534k | €566k | €582k | €655k | €588k | ▼ 10.3% |
| Fixed assets21/28 | €292k | €272k | €298k | €363k | €345k | ▼ 5.0% |
| Tangible fixed assets22/27 | €292k | €272k | €298k | €363k | €345k | ▼ 5.0% |
| Land and buildings22 | - | €122k | €114k | €105k | €96k | ▼ 8.3% |
| Plant, machinery and equipment23 | - | €128k | €152k | €203k | €173k | ▼ 15.2% |
| Furniture and vehicles24 | - | €21k | €33k | €55k | €76k | ▲ 39.6% |
| Current assets29/58 | €242k | €294k | €284k | €292k | €243k | ▼ 16.9% |
| Amounts receivable after more than one year29 | - | €88k | €83k | €79k | €61k | ▼ 22.8% |
| Other amounts receivable291 | - | €88k | €83k | €79k | €61k | ▼ 22.8% |
| Amounts receivable within one year40/41 | - | - | €4k | €6k | €3k | ▼ 44.2% |
| Trade receivables40 | - | - | €4k | - | - | - |
| Other amounts receivable41 | - | - | - | €6k | €3k | ▼ 44.2% |
| Cash at bank and in hand54/58 | €92k | €107k | €99k | €77k | €40k | ▼ 47.5% |
| Deferred charges and accrued income490/1 | - | €99k | €97k | €130k | €138k | ▲ 6.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €534k | €566k | €582k | €655k | €588k | ▼ 10.3% |
| Equity10/15 | €276k | €356k | €382k | €414k | €405k | ▼ 2.2% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Capital10 | - | €12k | €12k | - | - | - |
| Issued capital100 | - | €19k | €19k | - | - | - |
| Uncalled capital101 | - | €6k | €6k | - | - | - |
| Outside capital11 | - | - | - | €12k | - | - |
| Other1109/19 | - | - | - | €12k | - | - |
| Reserves13 | €264k | €344k | €370k | €402k | €393k | ▼ 2.3% |
| Non-distributable reserves130/1 | - | €2k | €2k | - | - | - |
| Legal reserve130 | - | €2k | €2k | - | - | - |
| Distributable reserves133 | - | €342k | €368k | €402k | €393k | ▼ 2.3% |
| Amounts payable17/49 | €258k | €210k | €200k | €241k | €183k | ▼ 24.1% |
| Amounts payable after more than one year17 | €188k | €146k | €123k | €123k | €112k | ▼ 9.4% |
| Financial debts170/4 | - | €146k | €123k | €123k | €112k | ▼ 9.4% |
| Amounts payable within one year42/48 | €69k | €64k | €76k | €118k | €71k | ▼ 39.5% |
| Current portion of amounts payable after more than one year42 | - | €42k | €46k | €44k | €35k | ▼ 20.5% |
| Trade debts44 | €12k | €12k | €20k | €65k | €30k | ▼ 53.1% |
| Suppliers440/4 | - | €12k | €20k | €65k | €30k | ▼ 53.1% |
| Taxes, remuneration and social security45 | - | €10k | €10k | €8k | €5k | ▼ 35.0% |
| Taxes450/3 | - | €8k | €8k | €6k | €3k | ▼ 44.2% |
| Remuneration and social security454/9 | - | €2k | €2k | €2k | €2k | = |
| Other amounts payable47/48 | - | €85 | €578 | €664 | €423 | ▼ 36.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €67k | €80k | €80k | €62k | €35k | ▼ 44.2% |
| + Depreciation and write-downs630 | €31k | €47k | €50k | €61k | €86k | ▲ 40.9% |
| Operating cash flow (approximation) | €98k | €127k | €130k | €123k | €121k | ▼ 2.2% |
| Investment in fixed assets (approximation) | - | €-27k | €-77k | €-125k | €-68k | ▲ 45.9% |
| Change in cash | - | €15k | €-7k | €-23k | €-37k | ▼ 62.2% |
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €35k ▼44.2%
Net result drops to €35k, the lowest in the series.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €80k ▲18.8%
Operating result €118k, net result €80k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
30-06
Financial
Equity above €200kEq €209k ▲40.3%
2 profitable years in a row build equity to €209k.
05-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2019
04-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 4 days late
2018
07-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 7 days late
2017
08-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Walcourt · 2 establishment units since 2002
Ground area
4,960 m²
Building footprint
378 m²
Volume, LiDAR
1,220 m³
2 parcels, Wallonia · tallest building 14.6 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Chemin des Meuniers(Thy) 61, 5651 Walcourt
since 20022.229.468.784
Rue du Parc 19, 6000 Charleroi
since 20092.229.469.576
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93078C0608/00G000 | Wallonia | 4,869 m² | 1 · 288 m² | - |
| 52011B0239/00H164 | Wallonia | 91 m² | 1 · 89 m² | 14.6 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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Of 16,630 companies in sector 86220 we hold annual accounts for 7,981. 6,566 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
Founded21-02-2002
Fiscal year end30-06
Activities, NACEBEL 2025
86220Specialist medical practice
Scores and ratios are computed by Checked and are not a credit decision.