Oancea Construct
ActiveSummary
The computed 12-month bankruptcy probability of Oancea Construct is 3.4% (moderate). The 2025 annual accounts show equity of €44k and a net result of €7k. Equity is growing by ~47.5% per year across the filed fiscal years. Its solvency ranks better than 81% of 7500 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability84▼-15
Solvency98▲+37
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.64 against 1.55 in 2024; short-term debt: 26.7% and cash: 30.5% of total assets), and 26.7% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
73.3%
Return on assets
12.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
31 d late
2024
60 d late
2023
30 d late
2022
53 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 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 Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Financials · fiscal year 2025, micro schema
Equity
€44k▲ 20.4%
2024 · €36k
Total assets
€60k▼ 40.5%
2024 · €101k
Net result
€7k▼ 69.0%
2024 · €24k
Working capital
€42k▲ 20.4%
2024 · €35k
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
Line2022202320242025
Operating result€12k-€2k▼ 85.6%€31k▲ 1,672%€10k▼ 68.1%
Net result€10k-€916▼ 90.4%€24k▲ 2,520%€7k▼ 69.0%
Equity€12k-€12k▲ 7.9%€36k▲ 193%€44k▲ 20.4%
Total assets€44k-€37k▼ 15.9%€101k▲ 175%€60k▼ 40.5%
Debt€32k-€24k▼ 24.5%€64k▲ 166%€16k▼ 75.1%
Working capital€9k-€12k▲ 41.4%€35k▲ 183%€42k▲ 20.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 68% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€2k ▲ 20.7%
Current assets
€58k ▼ 41.3%
Equity and liabilities €60k
Equity
€44k ▲ 20.4%
Debt
€16k ▼ 75.1%
Debt's share of the balance-sheet total falls from 63.8% to 26.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11k▼
2024 · €32k
Cash flow
€9k▼
2024 · €25k
Current ratio
3.64▲
2024 · 1.55
Quick ratio
2.98▲
2024 · 1.55
Debt to equity
0.36▼
2024 · 1.76
ROE
17.0%▼
2024 · 65.8%
ROA
12.4%▼
2024 · 23.8%
Interest coverage
54.03▼
2024 · 61.64
Debt ≤ 1 year
€16k▼
2024 · €64k
Income taxes
€2k▼
2024 · €6k
Staff costs
€497▲
2024 · €283
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €270 | €63 | €283 | €497 | ▲ 75.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | - | €1k | €1k | ▲ 6.2% |
| Other operating charges640/8 | €392 | €556 | €1k | €726 | ▼ 51.1% |
| Gross operating margin9900 | €14k | €2k | €34k | €13k | ▼ 63.1% |
| Operating profit (loss)9901 | €12k | €2k | €31k | €10k | ▼ 68.1% |
| Financial income75/76B | €11 | - | - | - | - |
| Recurring financial income75 | €11 | - | - | - | - |
| Financial charges65/66B | €39 | €407 | €523 | €210 | ▼ 59.9% |
| Recurring financial charges65 | €39 | €407 | €523 | €210 | ▼ 59.9% |
| Profit (loss) for the period before taxes9903 | €12k | €1k | €30k | €10k | ▼ 68.2% |
| Income taxes67/77 | €2k | €416 | €6k | €2k | ▼ 65.2% |
| Profit (loss) for the period9904 | €10k | €916 | €24k | €7k | ▼ 69.0% |
| Profit (loss) for the period to be appropriated9905 | €10k | €916 | €24k | €7k | ▼ 69.0% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €44k | €37k | €101k | €60k | ▼ 40.5% |
| Fixed assets21/28 | €3k | €3k | €1k | €2k | ▲ 20.7% |
| Tangible fixed assets22/27 | €3k | €3k | €1k | €2k | ▲ 17.1% |
| Furniture and vehicles24 | €3k | €3k | €1k | €2k | ▲ 17.1% |
| Financial fixed assets28 | - | - | - | €50 | - |
| Current assets29/58 | €41k | €34k | €99k | €58k | ▼ 41.3% |
| Stocks and contracts in progress3 | €5k | €10k | - | €11k | - |
| Stocks30/36 | €5k | €10k | - | €11k | - |
| Amounts receivable within one year40/41 | €26k | €24k | €87k | €28k | ▼ 68.0% |
| Trade receivables40 | €26k | €17k | €87k | €27k | ▼ 68.5% |
| Other amounts receivable41 | - | €7k | €389 | €571 | ▲ 46.8% |
| Cash at bank and in hand54/58 | €10k | €86 | €4k | €18k | ▲ 374% |
| Deferred charges and accrued income490/1 | €330 | - | €8k | €1k | ▼ 81.9% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €44k | €37k | €101k | €60k | ▼ 40.5% |
| Equity10/15 | €12k | €12k | €36k | €44k | ▲ 20.4% |
| Contributions10/11 | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €10k | €10k | €34k | €42k | ▲ 21.6% |
| Amounts payable17/49 | €32k | €24k | €64k | €16k | ▼ 75.1% |
| Amounts payable within one year42/48 | €32k | €21k | €64k | €16k | ▼ 75.1% |
| Trade debts44 | €29k | €15k | €49k | €7k | ▼ 85.6% |
| Suppliers440/4 | €29k | €15k | €49k | €7k | ▼ 85.6% |
| Taxes, remuneration and social security45 | €3k | €7k | €7k | €9k | ▲ 23.1% |
| Taxes450/3 | €3k | €6k | €7k | €9k | ▲ 23.1% |
| Remuneration and social security454/9 | - | €925 | - | - | - |
| Other amounts payable47/48 | - | - | €8k | - | - |
| Accrued charges and deferred income492/3 | - | €3k | - | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10k | €916 | €24k | €7k | ▼ 69.0% |
| + Depreciation and write-downs630 | €1k | - | €1k | €1k | ▲ 6.2% |
| Operating cash flow (approximation) | €11k | €916 | €25k | €9k | ▼ 64.8% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-2k | - |
| Change in cash | - | €-10k | €4k | €14k | ▲ 282% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 3.64
Current ratio from 1.55 to 3.64; short-term debt falls from €64k to €16k.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Highest result since 2022net €24k ▲2,520%
Operating result €31k, net result €24k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €916 ▼90.4%
Net result drops to €916, the lowest in the series; recovery starts the following year.
22-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 53 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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Anderlecht · 1 establishment unit since 2021
Ground area
222 m²
Building footprint
145 m²
Volume, LiDAR
968 m³
Parcel 21306D0196/00R015, Brussels · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Bergense Steenweg 1074, 1070 Anderlecht
since 20212.325.022.890
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306D0196/00R015 | Brussels | 222 m² | 1 · 145 m² | 10.0 m · 2 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.
Similar companies · same sector, comparable size
JDR Construct
BE 0845.711.227
Ecaussinnes · Eq €43,958
VAS CONSTRUCT
BE 0743.972.974
Villers-la-Ville · Eq €43,900
REBUILDEX
BE 0800.356.403
Boortmeerbeek · Eq €43,977
M&G PROJECT
BE 0798.305.545
Sint-Gillis (bij-Brussel) · Eq €43,893
TERRASSEMENT 692
BE 1014.204.086
Sint-Pieters-Leeuw · Eq €43,982
Of 29,787 companies in sector 41001 we hold annual accounts for 16,039. 12,951 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
Founded12-10-2021
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
71111Activities of building architects
Scores and ratios are computed by Checked and are not a credit decision.