OFFICIA
ActiveSummary
OFFICIA has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €124,125 and a net result of -€14,753. Equity is shrinking by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 7730 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Overview
What they do
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
1 site
How big
€125,307total assets 2025
- Equity
- €124,125
- Loss
- -€14,753
Turnover not published (abridged schema)
Who decides
Accounts 72 d early0 of 2 deeds read
Why 74- Higher-failure-rate sector- Annual accounts: weaker financial profile- Persistent losses+ Long track recordLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability54▼-9
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 28.6 against 4.07 in 2024; short-term debt: 0.9% and cash: 20% of total assets), and 0.9% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and 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 · 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 · 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
99.1%
Return on assets
-11.8%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€14,753
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 20-11-2025, 72 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
72 d early
2024
71 d early
2023
92 d early
2022
119 d early
2021
117 d early
2020
118 d early
2019
113 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 100 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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. Usually files around 31 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close01-10-2026 today31-01-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet -€14,753
- Liquidity times 7current ratio 28.60
Financials
Fiscal year 2025Total assets €125,307Loss -€14,753Solvency 99.1%Liquidity 28.60
Total assets
€125,307▼ 15.2%
2019 - 2025
Net result
-€14,753▼ 137%
2019 - 2025
Equity
€124,125▼ 10.6%
2019 - 2025
Solvency
99.1%▲ 5.0pp
2019 - 2025
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€12,267▲ 17.7%€7,125▼ 41.9%-€8,768-€5,112▲ 41.7%-€14,233▼ 178%
Net result€7,876within the sector's middle half▲ 28.6%€4,278within the sector's middle half▼ 45.7%-€9,696below the sector's middle half-€6,213below the sector's middle half▲ 35.9%-€14,753below the sector's middle half▼ 137%
Equity€150,509above the sector's middle half▲ 5.5%€154,788above the sector's middle half▲ 2.8%€145,092above the sector's middle half▼ 6.3%€138,878above the sector's middle half▼ 4.3%€124,125above the sector's middle half▼ 10.6%
Total assets€181,622within the sector's middle half▼ 11.4%€189,183within the sector's middle half▲ 4.2%€164,526within the sector's middle half▼ 13.0%€147,708within the sector's middle half▼ 10.2%€125,307within the sector's middle half▼ 15.2%
Debt€31,113▼ 50.1%€34,395▲ 10.5%€19,434▼ 43.5%€8,830▼ 54.6%€1,182▼ 86.6%
Working capital€50,407within the sector's middle half▲ 42.6%€55,075within the sector's middle half▲ 9.3%€45,044within the sector's middle half▼ 18.2%€27,078within the sector's middle half▼ 39.9%€32,629within the sector's middle half▲ 20.5%
Solvency82.9%above the sector's middle half▲ 13.3pp81.8%above the sector's middle half▼ 1.1pp88.2%above the sector's middle half▲ 6.4pp94.0%above the sector's middle half▲ 5.8pp99.1%above the sector's middle half▲ 5.0pp
Current ratio6.41above the sector's middle half▲ 4.353.76above the sector's middle half▼ 2.654.62above the sector's middle half▲ 0.854.07above the sector's middle half▼ 0.5528.60above the sector's middle half▲ 24.54
Return on assets (ROA)4.3%within the sector's middle half▲ 1.3pp2.3%within the sector's middle half▼ 2.1pp-5.9%below the sector's middle half▼ 8.2pp-4.2%below the sector's middle half▲ 1.7pp-11.8%below the sector's middle half▼ 7.6pp
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14,233 in 2025 against €5,112 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125,307
Fixed assets
€91,496 ▼ 18.2%
Current assets
€33,811 ▼ 5.8%
Equity and liabilities €125,307
Equity
€124,125 ▼ 10.6%
Debt
€1,182 ▼ 86.6%
Debt's share of the balance-sheet total falls from 6.0% to 0.9%. Equity and debt are lower.
Key figures and ratios
Key figures and ratios
EBITDA
€8,266▼
2024 · €15,188
Cash flow
€7,746▼
2024 · €14,087
Debt to equity
0.01▼
2024 · 0.06
ROE
-11.9%▼
2024 · -4.5%
Interest coverage
38.27▲
2024 · 18.06
Debt ≤ 1 year
€1,182▼
2024 · €8,830
Income taxes
€304▲
2024 · €265
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,834 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 85% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.7%
went bankrupt
13%
stopped otherwise
85%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,834 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,389 | €13,749 | €16,956 | €20,300 | €22,499 | ▲ 10.8% |
| Other operating charges640/8 | - | €2,970 | €596 | €1,034 | €753 | ▼ 27.2% |
| Gross operating margin9900 | €28,211 | €23,844 | €8,784 | €16,222 | €9,019 | ▼ 44.4% |
| Operating profit (loss)9901 | €12,267 | €7,125 | -€8,768 | -€5,112 | -€14,233 | ▼ 178% |
| Financial income75/76B | - | - | - | €5 | - | - |
| Recurring financial income75 | - | - | - | €5 | - | - |
| Financial charges65/66B | - | €607 | €650 | €841 | €216 | ▼ 74.3% |
| Recurring financial charges65 | €664 | €607 | €650 | €841 | €216 | ▼ 74.3% |
| Profit (loss) for the period before taxes9903 | €11,603 | €6,518 | -€9,418 | -€5,948 | -€14,449 | ▼ 143% |
| Income taxes67/77 | €3,727 | €2,240 | €278 | €265 | €304 | ▲ 14.7% |
| Profit (loss) for the period9904 | €7,876 | €4,278 | -€9,696 | -€6,213 | -€14,753 | ▼ 137% |
| Profit (loss) for the period to be appropriated9905 | €7,876 | €4,278 | -€9,696 | -€6,213 | -€14,753 | ▼ 137% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €181,622 | €189,183 | €164,526 | €147,708 | €125,307 | ▼ 15.2% |
| Fixed assets21/28 | €121,898 | €114,171 | €107,028 | €111,800 | €91,496 | ▼ 18.2% |
| Tangible fixed assets22/27 | €121,898 | €114,171 | €107,028 | €111,800 | €91,496 | ▼ 18.2% |
| Land and buildings22 | - | €109,531 | €98,618 | €83,900 | €69,185 | ▼ 17.5% |
| Plant, machinery and equipment23 | - | €3,781 | €3,625 | €2,496 | €2,463 | ▼ 1.3% |
| Furniture and vehicles24 | - | €859 | €4,785 | €25,404 | €19,848 | ▼ 21.9% |
| Current assets29/58 | €59,724 | €75,012 | €57,498 | €35,908 | €33,811 | ▼ 5.8% |
| Amounts receivable within one year40/41 | €928 | €39 | €3,309 | €14,287 | €6,830 | ▼ 52.2% |
| Trade receivables40 | - | €39 | €1,826 | €12,053 | €6,082 | ▼ 49.5% |
| Other amounts receivable41 | - | - | €1,483 | €2,234 | €748 | ▼ 66.5% |
| Cash at bank and in hand54/58 | €58,596 | €74,773 | €52,887 | €19,892 | €25,113 | ▲ 26.2% |
| Deferred charges and accrued income490/1 | - | €200 | €1,302 | €1,729 | €1,868 | ▲ 8.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €181,622 | €189,183 | €164,526 | €147,708 | €125,307 | ▼ 15.2% |
| Equity10/15 | €150,509 | €154,788 | €145,092 | €138,878 | €124,125 | ▼ 10.6% |
| Contributions10/11 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €114,097 | €118,376 | €118,376 | €118,375 | €118,375 | = |
| Non-distributable reserves130/1 | - | €7,338 | €7,338 | - | - | - |
| Reserves not available under the articles1311 | - | €7,338 | €7,338 | - | - | - |
| Distributable reserves133 | - | €111,038 | €111,038 | €118,375 | €118,375 | = |
| Profit (loss) carried forward14 | €24,012 | €24,012 | €14,316 | €8,103 | -€6,650 | ▼ 182% |
| Amounts payable17/49 | €31,113 | €34,395 | €19,434 | €8,830 | €1,182 | ▼ 86.6% |
| Amounts payable after more than one year17 | €21,796 | €14,458 | €6,980 | - | - | - |
| Financial debts170/4 | - | €14,458 | €6,980 | - | - | - |
| Amounts payable within one year42/48 | €9,317 | €19,937 | €12,454 | €8,830 | €1,182 | ▼ 86.6% |
| Current portion of amounts payable after more than one year42 | - | €7,338 | €7,478 | €6,980 | - | - |
| Trade debts44 | - | €9,094 | €3,804 | €825 | €285 | ▼ 65.5% |
| Suppliers440/4 | - | €9,094 | €3,804 | €825 | €285 | ▼ 65.5% |
| Taxes, remuneration and social security45 | - | €2,329 | €279 | €516 | €304 | ▼ 41.1% |
| Taxes450/3 | - | €2,329 | €279 | €516 | €304 | ▼ 41.1% |
| Other amounts payable47/48 | - | €1,176 | €893 | €509 | €593 | ▲ 16.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,876 | €4,278 | -€9,696 | -€6,213 | -€14,753 | ▼ 137% |
| + Depreciation and write-downs630 | €14,389 | €13,749 | €16,956 | €20,300 | €22,499 | ▲ 10.8% |
| Operating cash flow (approximation) | €22,265 | €18,027 | €7,260 | €14,087 | €7,746 | ▼ 45.0% |
| Investment in fixed assets (approximation) | - | -€6,022 | -€9,813 | -€25,072 | -€2,195 | ▲ 91.2% |
| Change in cash | - | €16,177 | -€21,886 | -€32,995 | €5,221 | ▲ 116% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
Algemene Bouwwerken Meylemans
BE 0743.370.287
Gent · Eq €124,121
Bouwwerken VGT
BE 0798.792.327
Merksplas · Eq €124,095
COPPOLA
BE 0465.610.391
Quaregnon · Eq €124,214
SODA PROJECT
BE 0650.810.018
Ecaussinnes · Eq €124,222
BUYL ALGEMENE WONINGBOUW
BE 0468.015.496
Gent · Eq €124,230
Of 29,766 companies in this sector we hold annual accounts for 16,066. 12,947 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
15 eventsLatest 20-11-2025Next filing 31-01-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
20-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet -€14,753
Net result drops to -€14,753, the lowest in the series.
30-06
Financial
Liquidity times 7current ratio 28.60
Current ratio from 4.07 to 28.60; short-term debt falls from €8,830 to €1,182.
2024
21-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
06-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Highest result since 2019net €7,876 ▲28.6%
Operating result €12,267, net result €7,876, both a record.
30-06
Financial
Liquidity triplescurrent ratio 6.41
Current ratio from 2.06 to 6.41; short-term debt falls from €33,306 to €9,317.
30-06
Financial
Equity above €150,000Eq €150,509 ▲5.5%
3 profitable years in a row build equity to €150,509.
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
10-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2018
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
22-11
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.
0 of 2 acts read
About the unread acts
We know of 2 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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Company details
Private limited company · founded 05-04-2006Year ends 30-06Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded05-04-2006
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
43320Joinery installation
43410Roofing work
43990Other specialised construction activities
68201Renting and operating of own or leased residential real estate, excluding social housing
81220Other building cleaning and industrial cleaning
E-invoicing
Reachable via Peppol
Peppol ID
0208:0880509481
Also
9925:BE0880509481
Registered
02-04-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Opwijk · 1 establishment unit since 2006
Ground area
132 m²
Building footprint
132 m²
Volume, LiDAR
952 m³
Parcel 23049A0030/00T000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OFFICIA (Nederlands
since 2006unit no. 2.153.557.376
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23049A0030/00T000 | Flanders | 132 m² | 1 · 132 m² | 9.5 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.
Go further with this company
How much credit can you give this customer, and on what term?Credit check 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 Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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