ONCA INVEST
ActiveSummary
ONCA INVEST has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €-16k. Equity is shrinking by ~30.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 42% of 4621 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▲+23
Solvency42▲+9
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.74 against 0.55 in 2024; short-term debt: 26.4% and cash: 16.7% of total assets), and 82.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 · 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
17.2%
Return on assets
-5.3%
Age of the figures
18 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
202122232425
2020 to 2025 · latest year €-16k
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 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
1 d early
2022
3 d late
2021
1 d early
2020
27 d late
2018
1 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▼ 23.5%
2024 · €68k
2020: €330k
2021: €298k
2022: €239k
2023: €162k
2024: €68k
2020 → 2025
Total assets
€303k▼ 65.6%
2024 · €883k
2020: €1.01M
2021: €906k
2022: €964k
2023: €928k
2024: €883k
2020 → 2025
Net result
€-16k▲ 83.0%
2024 · €-94k
2020: €77k
2021: €-45k
2022: €-60k
2023: €-77k
2024: €-94k
2020 → 2025
Working capital
€-21k▲ 79.3%
2024 · €-99k
2020: €178k
2021: €83k
2022: €-5k
2023: €13k
2024: €-99k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€298k-€239k▼ 20.0%€162k▼ 32.1%€68k▼ 58.0%€52k▼ 23.5%
Operating result€-35k-€-58k▼ 65.6%€-36k▲ 38.5%€-50k▼ 39.8%€-9k▲ 82.0%
Net result€-45k-€-60k▼ 32.0%€-77k▼ 28.8%€-94k▼ 22.4%€-16k▲ 83.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2025 against €50k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €303k
Fixed assets
€244k ▼ 68.0%
Current assets
€59k ▼ 50.6%
Equity and liabilities €303k
Equity
€52k ▼ 23.5%
Debt
€251k ▼ 69.1%
Debt's share of the balance-sheet total falls from 92.3% to 82.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€14k▲
2024 · €-6k
Cash flow
€7k▲
2024 · €-50k
Current ratio
0.74▲
2024 · 0.55
Debt to equity
4.82▼
2024 · 11.97
ROE
-30.7%▲
2024 · -138.0%
ROA
-5.3%▲
2024 · -10.6%
Interest coverage
1.96▲
2024 · -0.25
Debt ≤ 1 year
€80k▼
2024 · €220k
Debt > 1 year
€171k▼
2024 · €556k
Income taxes
€138▲
2024 · €115
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€883k€303k▼
Fixed assets21/28€762k€244k▼
Tangible fixed assets22/27€762k€244k▼
Land and buildings22€671k€165k▼
Plant, machinery and equipment23€86k€77k▼
Furniture and vehicles24€5k€2k▼
Current assets29/58€120k€59k▼
Amounts receivable within one year40/41€6k€8k▲
Trade receivables40-€2k
Other amounts receivable41€6k€6k▼
Cash at bank and in hand54/58€113k€51k▼
Deferred charges and accrued income490/1€1k€835▼
Equity and liabilities
Total equity and liabilities10/49€883k€303k▼
Equity10/15€68k€52k▼
Contributions10/11€19k€19k=
Reserves13€49k€34k▼
Distributable reserves133€49k€34k▼
Amounts payable17/49€815k€251k▼
Amounts payable after more than one year17€556k€171k▼
Financial debts170/4€556k€171k▼
Amounts payable within one year42/48€220k€80k▼
Current portion of amounts payable after more than one year42€60k-
Financial debts43€2k€4k▲
Credit institutions430/8€2k€4k▲
Trade debts44€46k€24k▼
Suppliers440/4€46k€24k▼
Other amounts payable47/48€111k€52k▼
Accrued charges and deferred income492/3€39k-
Income statement
Code20242025
Non-recurring operating income76A-€28k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€23k▼
Other operating charges640/8€4k€2k▼
Non-recurring operating charges66A€369€400▲
Gross operating margin9900€-1k€16k▲
Operating profit (loss)9901€-50k€-9k▲
Financial income75/76B€391€460▲
Recurring financial income75€391€460▲
Financial charges65/66B€44k€7k▼
Recurring financial charges65€24k€7k▼
Non-recurring financial charges66B€20k€380▼
Profit (loss) for the period before taxes9903€-94k€-16k▲
Income taxes67/77€115€138▲
Profit (loss) for the period9904€-94k€-16k▲
Profit (loss) for the period to be appropriated9905€-94k€-16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-94k€-16k▲
Transfer from equity791/2€94k€16k▼
The notes to these accounts (8 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
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €-94k
Net result drops to €-94k, the lowest in the series; recovery starts the following year.
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2021
30-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
29-01
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Leuven · 1 establishment unit since 2005
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.
Naamsevest 583000 LeuvenGround area
363 m²
Building footprint
102 m²
Volume, LiDAR
1,005 m³
Parcel 24502C0495/00Y000, Flanders · tallest building 15.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
DENITZA INVEST
since 20052.147.340.270
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24502C0495/00Y000 | Flanders | 363 m² | 1 · 102 m² | 15.1 m · 4 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.
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Of 1,000 companies in sector 96102 we hold annual accounts for 459. 360 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-05-2005
Fiscal year end31-03
Activities, NACEBEL 2025
96102Launderettes and laundries for private customers
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.