BERNARD OCKIER
ActiveBERNARD OCKIER has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €262k and a net result of €23k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 42% of 396 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
74
/ 100
Healthy▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▲+7
Solvency53▼-18
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 1.03 in 2024), and 66.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Sector 42
higher
← 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
33.2%
Return on assets
2.9%
Age of the figures
17 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €262k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 07-10-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
on the day
2023
on the day
2022
8 d late
2021
25 d late
2020
28 d late
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close14-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€262k▲ 9.1%
2024 · €240k
2019: €231k
2020: €231k
2021: €206k
2022: €223k
2023: €223k
2024: €240k
2019 → 2025
Total assets
€789k▲ 56.7%
2024 · €503k
2019: €695k
2020: €491k
2021: €585k
2022: €575k
2023: €656k
2024: €503k
2019 → 2025
Net result
€23k▲ 28.2%
2024 · €18k
2019: €4k
2020: €374
2021: €-25k
2022: €14k
2023: €2k
2024: €18k
2019 → 2025
Working capital
€19k▲ 154%
2024 · €7k
2019: €9k
2020: €27k
2021: €6k
2022: €21k
2023: €-22k
2024: €7k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€206k-€223k▲ 8.0%€223k▲ 0.3%€240k▲ 7.6%€262k▲ 9.1%
Operating result€-17k-€18k€6k▼ 65.0%€29k▲ 364%€42k▲ 42.0%
Net result€-25k-€14k€2k▼ 88.4%€18k▲ 1,034%€23k▲ 28.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 42% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €789k
Fixed assets
€356k▲ 51.1%
Current assets
€433k▲ 61.6%
Equity and liabilities €789k
Equity
€262k▲ 9.1%
Debt
€527k▲ 100%
The debt ratio rises from 52.3% to 66.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€117k▲
2024 · €76k
Cash flow
€98k▲
2024 · €65k
Solvency
33.2%▼
2024 · 47.7%
Current ratio
1.05▲
2024 · 1.03
Quick ratio
0.86▲
2024 · 0.77
Debt / equity
2.01▲
2024 · 1.10
ROE
8.7%▲
2024 · 7.4%
ROA
2.9%▼
2024 · 3.5%
Interest coverage
9.93▲
2024 · 8.57
Debt
€527k▲
2024 · €263k
Debt ≤ 1 year
€414k▲
2024 · €260k
Debt > 1 year
€112k▲
2024 · €861
Income taxes
€8k▲
2024 · €4k
Staff costs
€638k▲
2024 · €559k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€503k€789k▲
Fixed assets21/28€235k€356k▲
Tangible fixed assets22/27€222k€344k▲
Land and buildings22€126k€120k▼
Plant, machinery and equipment23€14k€39k▲
Furniture and vehicles24€69k€176k▲
Leasing and similar rights25€13k€9k▼
Financial fixed assets28€13k€11k▼
Current assets29/58€268k€433k▲
Stocks and contracts in progress3€68k€78k▲
Stocks30/36€18k€18k=
Contracts in progress37€50k€60k▲
Amounts receivable within one year40/41€196k€348k▲
Trade receivables40€166k€270k▲
Other amounts receivable41€30k€78k▲
Cash at bank and in hand54/58€13€13=
Deferred charges and accrued income490/1€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€503k€789k▲
Equity10/15€240k€262k▲
Contributions10/11€74k€74k=
Capital10€74k€74k=
Issued capital100€74k€74k=
Reserves13€165k€188k▲
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Distributable reserves133€157k€180k▲
Investment grants15€1k-
Amounts payable17/49€263k€527k▲
Amounts payable after more than one year17€861€112k▲
Financial debts170/4€861€112k▲
Amounts payable within one year42/48€260k€414k▲
Current portion of amounts payable after more than one year42€9k€36k▲
Financial debts43€3k€7k▲
Credit institutions430/8€3k€7k▲
Trade debts44€208k€300k▲
Suppliers440/4€208k€300k▲
Taxes, remuneration and social security45€23k€67k▲
Taxes450/3€4k€3k▼
Remuneration and social security454/9€19k€65k▲
Other amounts payable47/48€17k€4k▼
Accrued charges and deferred income492/3€2k€729▼
Income statement
Code20242025
Non-recurring operating income76A€30k-
Remuneration, social security and pensions62€559k€638k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€75k▲
Other operating charges640/8€25k€16k▼
Gross operating margin9900€660k€771k▲
Operating profit (loss)9901€29k€42k▲
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€9k€12k▲
Recurring financial charges65€9k€12k▲
Profit (loss) for the period before taxes9903€22k€31k▲
Income taxes67/77€4k€8k▲
Profit (loss) for the period9904€18k€23k▲
Profit (loss) for the period to be appropriated9905€18k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€23k▲
Transfer to equity691/2€18k€23k▲
To other reserves6921€18k€23k▲
Social balance
Average headcount (FTE)90879.29.9▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Highest result since 2019net €23k ▲28.2%
Operating result €42k, net result €23k, both a record.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
08-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 8 days late
31-03
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
2021
25-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 25 days late
31-03
Financial
Weakest financial yearnet €-25k ▼6829%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
2020
28-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 28 days late
2019
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
01-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 1 day late
2016
15-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Zwevegem · 1 establishment unit since 2007
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.
Paperrestraat(O) 28553 ZwevegemGround area
6,713 m²
Building footprint
529 m²
Volume, LiDAR
2,080 m³
2 parcels, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Waregemstraat 32, 8792 Waregem
since 20072.301.378.349
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34030B0298/00D000 | Flanders | 5,315 m² | 1 · 305 m² | 8.2 m · 1 fl. |
| 34010B0254/00G002 | Flanders | 1,398 m² | 1 · 224 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
4 categoriesBERNARD OCKIER NV18092
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Of 2,316 companies in sector 42110 we hold annual accounts for 1,088. 790 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded13-02-1987
Fiscal year end31-03
Activities, NACEBEL
42110Construction of roads and motorways
45230
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.