O&A
ActiveSummary
The computed 12-month bankruptcy probability of O&A is 1.7% (moderate). The 2025 annual accounts show equity of €21k and a net result of €-2k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 50% of 27965 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability14▼-57
Solvency72▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.84 against 1.77 in 2024; short-term debt: 53.2% and cash: 78% of total assets), but 53.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
46.8%
Return on assets
-3.4%
Age of the figures
9 mo
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
5 d early
2023
7 d early
2022
4 d early
2021
9 d early
2020
10 d early
2019
4 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Name match with a sanctions list
1 entryPJSC SOVCOMBANKalias ПАО Сoвкoмбaнк
A name match is not a finding that this company itself is on the list; check the entry at the source.
Financials · fiscal year 2025, micro schema
Equity
€21k▼ 6.9%
2024 · €22k
2018: €20k
2019: €25k▲ +27.2% vs 2018highest in 8 years
2020: €21k▼ -18.3% vs 2019
2021: €18k▼ -11.3% vs 2020lowest in 8 years
2022: €19k▲ +2.1% vs 2021
2023: €21k▲ +13.7% vs 2022
2024: €22k▲ +3.6% vs 2023
2025: €21k▼ -6.9% vs 2024
2018 → 2025
Total assets
€44k▼ 8.4%
2024 · €48k
2018: €42k
2019: €45k▲ +8.3% vs 2018
2020: €36k▼ -20.7% vs 2019
2021: €26k▼ -28.1% vs 2020lowest in 8 years
2022: €28k▲ +7.8% vs 2021
2023: €30k▲ +9.3% vs 2022
2024: €48k▲ +57.9% vs 2023highest in 8 years
2025: €44k▼ -8.4% vs 2024
2018 → 2025
Net result
€-2k
2024 · €762
2018: €-4k
2019: €5k▲ +235% vs 2018highest in 8 years
2020: €-5k▼ -185% vs 2019lowest in 8 years
2021: €-2k▲ +49.4% vs 2020
2022: €385▲ +116% vs 2021
2023: €3k▲ +569% vs 2022
2024: €762▼ -70.4% vs 2023
2025: €-2k▼ -299% vs 2024
2018 → 2025
Working capital
€20k▼ 2.4%
2024 · €20k
2018: €13klowest in 8 years
2019: €21k▲ +54.6% vs 2018highest in 8 years
2020: €18k▼ -13.0% vs 2019
2021: €20k▲ +10.8% vs 2020
2022: €15k▼ -27.0% vs 2021
2023: €18k▲ +24.6% vs 2022
2024: €20k▲ +9.8% vs 2023
2025: €20k▼ -2.4% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€19k▲ 2.1%€21k▲ 13.7%€22k▲ 3.6%€21k▼ 6.9%
2021: €18klowest in 5 years
2022: €19k▲ +2.1% vs 2021
2023: €21k▲ +13.7% vs 2022
2024: €22k▲ +3.6% vs 2023highest in 5 years
2025: €21k▼ -6.9% vs 2024
Operating result€-2k-€429€6k▲ 1,211%€807▼ 85.6%€-1k
2021: €-2klowest in 5 years
2022: €429▲ +119% vs 2021
2023: €6k▲ +1211% vs 2022highest in 5 years
2024: €807▼ -85.6% vs 2023
2025: €-1k▼ -282% vs 2024
Net result€-2k-€385€3k▲ 569%€762▼ 70.4%€-2k
2021: €-2klowest in 5 years
2022: €385▲ +116% vs 2021
2023: €3k▲ +569% vs 2022highest in 5 years
2024: €762▼ -70.4% vs 2023
2025: €-2k▼ -299% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1k after €807 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €44k
Fixed assets
€1k ▼ 49.9%
Current assets
€43k ▼ 6.5%
Equity and liabilities €44k
Equity
€21k ▼ 6.9%
Debt
€23k ▼ 9.7%
Debt's share of the balance-sheet total falls from 53.9% to 53.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-439▼
2024 · €2k
Cash flow
€-484▼
2024 · €2k
Current ratio
1.84▲
2024 · 1.77
Debt to equity
1.14▼
2024 · 1.17
ROE
-7.4%▼
2024 · 3.4%
ROA
-3.4%▼
2024 · 1.6%
Interest coverage
-9.75▼
2024 · 40.82
Debt ≤ 1 year
€23k▼
2024 · €26k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€48k€44k▼
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€46k€43k▼
Amounts receivable within one year40/41€13k€9k▼
Trade receivables40€12k€3k▼
Other amounts receivable41€1k€6k▲
Cash at bank and in hand54/58€33k€34k▲
Equity and liabilities
Total equity and liabilities10/49€48k€44k▼
Equity10/15€22k€21k▼
Contributions10/11€6k€6k=
Reserves13€12k€12k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€10k€10k=
Profit (loss) carried forward14€4k€3k▼
Amounts payable17/49€26k€23k▼
Amounts payable within one year42/48€26k€23k▼
Trade debts44€14k€3k▼
Suppliers440/4€14k€3k▼
Advances received on contracts in progress46€3k€18k▲
Other amounts payable47/48€9k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€128€276▲
Gross operating margin9900€2k€-162▼
Operating profit (loss)9901€807€-1k▼
Financial charges65/66B€45€45=
Recurring financial charges65€45€45=
Profit (loss) for the period before taxes9903€762€-2k▼
Profit (loss) for the period9904€762€-2k▼
Profit (loss) for the period to be appropriated9905€762€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€3k▼
Profit (loss) brought forward from the previous period14P€3k€4k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €1k | €1k | €1k | €1k | = |
| Other operating charges640/8 | €297 | €128 | €255 | €128 | €276 | ▲ 117% |
| Gross operating margin9900 | €5k | €2k | €7k | €2k | €-162 | ▼ 108% |
| Operating profit (loss)9901 | €-2k | €429 | €6k | €807 | €-1k | ▼ 282% |
| Financial income75/76B | - | - | €0 | - | - | - |
| Recurring financial income75 | - | - | €0 | - | - | - |
| Financial charges65/66B | €45 | €44 | €3k | €45 | €45 | = |
| Recurring financial charges65 | €45 | €44 | €3k | €45 | €45 | = |
| Profit (loss) for the period before taxes9903 | €-2k | €385 | €3k | €762 | €-2k | ▼ 299% |
| Profit (loss) for the period9904 | €-2k | €385 | €3k | €762 | €-2k | ▼ 299% |
| Profit (loss) for the period to be appropriated9905 | €-2k | €385 | €3k | €762 | €-2k | ▼ 299% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €26k | €28k | €30k | €48k | €44k | ▼ 8.4% |
| Fixed assets21/28 | €3k | €4k | €3k | €2k | €1k | ▼ 49.9% |
| Tangible fixed assets22/27 | €3k | €4k | €3k | €2k | €1k | ▼ 49.9% |
| Furniture and vehicles24 | - | €4k | €3k | €2k | €1k | ▼ 49.9% |
| Leasing and similar rights25 | €3k | - | - | - | - | - |
| Current assets29/58 | €22k | €24k | €27k | €46k | €43k | ▼ 6.5% |
| Amounts receivable within one year40/41 | €5k | €2k | €3k | €13k | €9k | ▼ 35.3% |
| Trade receivables40 | €182 | - | - | €12k | €3k | ▼ 77.5% |
| Other amounts receivable41 | €5k | €2k | €3k | €1k | €6k | ▲ 307% |
| Cash at bank and in hand54/58 | €17k | €22k | €24k | €33k | €34k | ▲ 5.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €26k | €28k | €30k | €48k | €44k | ▼ 8.4% |
| Equity10/15 | €18k | €19k | €21k | €22k | €21k | ▼ 6.9% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €12k | €12k | €12k | €12k | €12k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Tax-exempt reserves132 | €10k | €10k | €10k | €10k | €10k | = |
| Profit (loss) carried forward14 | €308 | €694 | €3k | €4k | €3k | ▼ 37.5% |
| Amounts payable17/49 | €7k | €9k | €9k | €26k | €23k | ▼ 9.7% |
| Amounts payable after more than one year17 | €5k | - | - | - | - | - |
| Financial debts170/4 | €5k | - | - | - | - | - |
| Amounts payable within one year42/48 | €2k | €9k | €9k | €26k | €23k | ▼ 9.7% |
| Current portion of amounts payable after more than one year42 | €2k | - | - | - | - | - |
| Trade debts44 | - | - | - | €14k | €3k | ▼ 78.9% |
| Suppliers440/4 | - | - | - | €14k | €3k | ▼ 78.9% |
| Advances received on contracts in progress46 | - | - | - | €3k | €18k | ▲ 542% |
| Taxes, remuneration and social security45 | - | €9k | €9k | - | - | - |
| Remuneration and social security454/9 | - | €9k | €9k | - | - | - |
| Other amounts payable47/48 | €41 | €42 | €42 | €9k | €3k | ▼ 71.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-2k | €385 | €3k | €762 | €-2k | ▼ 299% |
| + Depreciation and write-downs630 | €7k | €1k | €1k | €1k | €1k | = |
| Operating cash flow (approximation) | €4k | €1k | €4k | €2k | €-484 | ▼ 127% |
| Investment in fixed assets (approximation) | - | €-2k | €0 | €0 | €0 | - |
| Change in cash | - | €5k | €2k | €8k | €2k | ▼ 79.6% |
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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €385
Net result €385 after 2 loss-making years.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 9.31
Current ratio from 3.32 to 9.31; short-term debt falls from €8k to €2k.
21-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Sint-Joost-ten-Node · 1 establishment unit since 2014
Ground area
108 m²
Building footprint
105 m²
Volume, LiDAR
1,614 m³
Parcel 21572B0003/00X005, Brussels · tallest building 20.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Warmoesstraat 173, 1210 Sint-Joost-ten-Node
since 20142.265.407.878
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21572B0003/00X005 | Brussels | 108 m² | 1 · 105 m² | 20.3 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,420. 5,236 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
Founded27-11-2006
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
Scores and ratios are computed by Checked and are not a credit decision.