OCR BOUWONDERNEMING
ActiveThe computed 12-month bankruptcy probability of OCR BOUWONDERNEMING is 1.8% (moderate). The 2025 annual accounts show equity of €27k and a net result of €15k. Equity is shrinking by ~15.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 22% of 7415 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▼-42
Solvency41▲+10
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 0.98 in 2024; short-term debt: 84.5% and cash: 72.5% of total assets), and 84.5% 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
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
Sector 41
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
15.5%
Return on assets
8.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 7415 sector peers (2025).
NBB · sector comparisonPosition among 7415 sector peers
Solvency
better than 22%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €27k
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 01-07-2026, 30 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
30 d early
2024
31 d early
2023
20 d early
2022
29 d early
2021
24 d early
2020
31 d early
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▲ 128%
2024 · €12k
2020: €25k
2021: €44k
2022: €19k
2023: €6k
2024: €12k
2020 → 2025
Total assets
€171k▼ 15.7%
2024 · €203k
2020: €79k
2021: €130k
2022: €213k
2023: €138k
2024: €203k
2020 → 2025
Net result
€15k▲ 156%
2024 · €6k
2020: €25k
2021: €19k
2022: €-25k
2023: €-13k
2024: €6k
2020 → 2025
Working capital
€12k
2024 · €-4k
2020: €3k
2021: €23k
2022: €-6k
2023: €-14k
2024: €-4k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€44k-€19k▼ 56.6%€6k▼ 69.1%€12k▲ 99.1%€27k▲ 128%
Operating result€28k-€-25k€-13k▲ 48.3%€8k€-6k
Net result€19k-€-25k€-13k▲ 47.0%€6k€15k▲ 156%
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 €6k after €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €171k
Fixed assets
€15k▼ 4.8%
Current assets
€156k▼ 16.7%
Equity and liabilities €171k
Equity
€27k▲ 128%
Debt
€145k▼ 24.5%
The debt ratio falls from 94.3% to 84.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-3k▼
2024 · €12k
Cash flow
€18k▲
2024 · €10k
Solvency
15.5%▲
2024 · 5.7%
Current ratio
1.08▲
2024 · 0.98
Quick ratio
1.08▲
2024 · 0.90
Debt / equity
5.44▼
2024 · 16.40
ROE
56.1%▲
2024 · 49.8%
ROA
8.7%▲
2024 · 2.9%
Interest coverage
-0.76▼
2024 · 6.53
Debt
€145k▼
2024 · €192k
Debt ≤ 1 year
€145k▼
2024 · €192k
Income taxes
€317
Staff costs
€66k▲
2024 · €61k
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€203k€171k▼
Fixed assets21/28€16k€15k▼
Tangible fixed assets22/27€16k€15k▼
Plant, machinery and equipment23€15k€15k▼
Furniture and vehicles24€986€413▼
Current assets29/58€188k€156k▼
Stocks and contracts in progress3€15k-
Contracts in progress37€15k-
Amounts receivable within one year40/41€127k€32k▼
Trade receivables40€125k€32k▼
Other amounts receivable41€3k-
Cash at bank and in hand54/58€45k€124k▲
Equity and liabilities
Total equity and liabilities10/49€203k€171k▼
Equity10/15€12k€27k▲
Reserves13€12k€27k▲
Distributable reserves133€12k€27k▲
Amounts payable17/49€192k€145k▼
Amounts payable within one year42/48€192k€145k▼
Trade debts44€155k€134k▼
Suppliers440/4€88k€119k▲
Bills of exchange payable441€67k€15k▼
Taxes, remuneration and social security45€33k€9k▼
Taxes450/3€31k€6k▼
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€3k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€61k€66k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€634€2k▲
Gross operating margin9900€73k€65k▼
Operating profit (loss)9901€8k€-6k▼
Financial income75/76B€0€25k▲
Recurring financial income75€0€2k▲
Non-recurring financial income76B-€23k
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€6k€15k▲
Income taxes67/77-€317
Profit (loss) for the period9904€6k€15k▲
Profit (loss) for the period to be appropriated9905€6k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€15k▲
Transfer to equity691/2€6k€15k▲
To other reserves6921€6k€15k▲
The notes to these accounts (4 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
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-25k ▼231%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Landen · 1 establishment unit since 2019
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.
Overwindenstraat 383400 LandenGround area
1,351 m²
Building footprint
167 m²
Volume, LiDAR
1,018 m³
Parcel 24059A0303/00N000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OCR BOUWONDERNEMING
since 20192.291.226.409
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24059A0303/00N000 | Flanders | 1,351 m² | 1 · 167 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 615 EUR awarded · 615 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 615 EUR | 615 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 12,196 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.