ONEK
ActiveSummary
The computed 12-month bankruptcy probability of ONEK is 1.6% (moderate). The 2025 annual accounts show equity of €484,183 and a net result of €128,917. Equity is growing by ~36.5% per year across the filed fiscal years. Its solvency ranks better than 81% of 7900 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
Axes · tick = 2024
Profitability93▼-7
Solvency97▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €35,000 at 30 days acceptable
Liquidity ample (current ratio 3.24 against 4.56 in 2024; short-term debt: 28% and cash: 30.3% of total assets), and 28% of the assets are financed with debt.
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Signals
Four 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% 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
72%
Return on assets
19.2%
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 13-03-2026, 140 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
140 d early
2024
44 d early
2023
26 d early
2022
38 d early
2021
24 d early
2020
44 d early
2019
40 d late
← 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 39 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
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
27-09-2026 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 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 What other support did companies like this one receive, and it did not?Public money
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Financials · fiscal year 2025, abbreviated schema
Equity
€484,183▲ 6.4%
2024 · €455,266
Total assets
€672,153▲ 20.4%
2024 · €558,086
Net result
€128,917▼ 14.5%
2024 · €150,732
Working capital
€421,680▲ 15.2%
2024 · €366,078
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€115,906▲ 20.7%€139,359▲ 20.2%€191,233▲ 37.2%€203,771▲ 6.6%€170,435▼ 16.4%
Net result€95,719above the sector's middle half▲ 22.9%€110,554above the sector's middle half▲ 15.5%€141,324above the sector's middle half▲ 27.8%€150,732above the sector's middle half▲ 6.7%€128,917above the sector's middle half▼ 14.5%
Equity€202,656above the sector's middle half▲ 89.5%€213,211above the sector's middle half▲ 5.2%€304,534above the sector's middle half▲ 42.8%€455,266above the sector's middle half▲ 49.5%€484,183within the sector's middle half▲ 6.4%
Total assets€268,889within the sector's middle half▲ 57.1%€346,500above the sector's middle half▲ 28.9%€453,754above the sector's middle half▲ 31.0%€558,086above the sector's middle half▲ 23.0%€672,153within the sector's middle half▲ 20.4%
Debt€66,233▲ 3.1%€133,290▲ 101%€149,220▲ 12.0%€102,820▼ 31.1%€187,970▲ 82.8%
Working capital€119,335▲ 56.3%€94,893▼ 20.5%€203,567▲ 115%€366,078▲ 79.8%€421,680▲ 15.2%
Solvency75.4%above the sector's middle half▲ 12.9pp61.5%within the sector's middle half▼ 13.8pp67.1%within the sector's middle half▲ 5.6pp81.6%above the sector's middle half▲ 14.5pp72.0%above the sector's middle half▼ 9.5pp
Staff (FTE)1.3▲ 1,200%2▲ 53.8%1.8▼ 10.0%2.3▲ 27.8%3.1within the sector's middle half▲ 34.8%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €672,153
Fixed assets
€62,503 ▼ 29.9%
Current assets
€609,649 ▲ 30.0%
Equity and liabilities €672,153
Equity
€484,183 ▲ 6.4%
Debt
€187,970 ▲ 82.8%
Debt's share of the balance-sheet total rises from 18.4% to 28.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€197,119▼
2024 · €230,157
Cash flow
€155,602▼
2024 · €177,117
Current ratio
3.24▼
2024 · 4.56
Quick ratio
2.38▼
2024 · 3.95
Debt to equity
0.39▲
2024 · 0.23
ROE
26.6%▼
2024 · 33.1%
ROA
19.2%▼
2024 · 27.0%
Interest coverage
1008.33▲
2024 · 63.45
Debt ≤ 1 year
€187,970▲
2024 · €102,820
Income taxes
€47,053▼
2024 · €52,267
Staff costs
€192,730▲
2024 · €135,311
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.6% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 26,964 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €0 | €3,625 | €0 | - | - | - |
| Remuneration, social security and pensions62 | €45,523 | €82,467 | €94,381 | €135,311 | €192,730 | ▲ 42.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,164 | €19,036 | €25,984 | €26,385 | €26,684 | ▲ 1.1% |
| Other operating charges640/8 | €2,356 | €1,881 | €6,062 | €2,646 | €3,032 | ▲ 14.6% |
| Gross operating margin9900 | €174,948 | €242,744 | €317,660 | €368,114 | €392,882 | ▲ 6.7% |
| Operating profit (loss)9901 | €115,906 | €139,359 | €191,233 | €203,771 | €170,435 | ▼ 16.4% |
| Financial income75/76B | €2,307 | €1,917 | €990 | €2,855 | €5,730 | ▲ 101% |
| Recurring financial income75 | €2,307 | €1,917 | €990 | €2,855 | €5,730 | ▲ 101% |
| Financial charges65/66B | €164 | €155 | €1,991 | €3,628 | €195 | ▼ 94.6% |
| Recurring financial charges65 | €164 | €155 | €1,991 | €3,628 | €195 | ▼ 94.6% |
| Profit (loss) for the period before taxes9903 | €118,049 | €141,121 | €190,232 | €202,998 | €175,970 | ▼ 13.3% |
| Income taxes67/77 | €22,330 | €30,566 | €48,908 | €52,267 | €47,053 | ▼ 10.0% |
| Profit (loss) for the period9904 | €95,719 | €110,554 | €141,324 | €150,732 | €128,917 | ▼ 14.5% |
| Profit (loss) for the period to be appropriated9905 | €95,719 | €110,554 | €141,324 | €150,732 | €128,917 | ▼ 14.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €268,889 | €346,500 | €453,754 | €558,086 | €672,153 | ▲ 20.4% |
| Fixed assets21/28 | €83,322 | €131,358 | €107,323 | €89,188 | €62,503 | ▼ 29.9% |
| Tangible fixed assets22/27 | €83,322 | €131,358 | €107,323 | €89,188 | €62,503 | ▼ 29.9% |
| Plant, machinery and equipment23 | €19,103 | €19,618 | €16,204 | €10,702 | €6,097 | ▼ 43.0% |
| Furniture and vehicles24 | €37,438 | €57,763 | €43,085 | €36,395 | €20,260 | ▼ 44.3% |
| Other tangible fixed assets26 | €26,780 | €53,977 | €48,034 | €42,090 | €36,147 | ▼ 14.1% |
| Current assets29/58 | €185,568 | €215,143 | €346,431 | €468,898 | €609,649 | ▲ 30.0% |
| Stocks and contracts in progress3 | €34,879 | €77,285 | €114,206 | €62,419 | €162,327 | ▲ 160% |
| Stocks30/36 | €34,879 | €77,285 | €85,000 | €62,419 | €80,000 | ▲ 28.2% |
| Contracts in progress37 | €0 | - | €29,206 | €0 | €82,327 | - |
| Amounts receivable within one year40/41 | €60,188 | €67,425 | €71,113 | €250,263 | €220,335 | ▼ 12.0% |
| Trade receivables40 | €15,783 | €36,114 | €33,558 | €81,618 | €39,032 | ▼ 52.2% |
| Other amounts receivable41 | €44,405 | €31,311 | €37,555 | €168,645 | €181,302 | ▲ 7.5% |
| Cash at bank and in hand54/58 | €86,378 | €70,433 | €125,113 | €130,144 | €203,544 | ▲ 56.4% |
| Deferred charges and accrued income490/1 | €4,123 | €0 | €36,000 | €26,072 | €23,443 | ▼ 10.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €268,889 | €346,500 | €453,754 | €558,086 | €672,153 | ▲ 20.4% |
| Equity10/15 | €202,656 | €213,211 | €304,534 | €455,266 | €484,183 | ▲ 6.4% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | €200,656 | €211,211 | €302,534 | €453,266 | €482,183 | ▲ 6.4% |
| Distributable reserves133 | €200,656 | €211,211 | €302,534 | €453,266 | €482,183 | ▲ 6.4% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €66,233 | €133,290 | €149,220 | €102,820 | €187,970 | ▲ 82.8% |
| Amounts payable after more than one year17 | €0 | €13,040 | €6,356 | €0 | - | - |
| Financial debts170/4 | €0 | €13,040 | €6,356 | €0 | - | - |
| Amounts payable within one year42/48 | €66,233 | €120,249 | €142,864 | €102,820 | €187,970 | ▲ 82.8% |
| Current portion of amounts payable after more than one year42 | €902 | €6,434 | €6,685 | €6,356 | €0 | ▼ 100% |
| Trade debts44 | €47,377 | €69,224 | €79,008 | €82,480 | €66,068 | ▼ 19.9% |
| Suppliers440/4 | €47,377 | €69,224 | €79,008 | €82,480 | €66,068 | ▼ 19.9% |
| Advances received on contracts in progress46 | - | - | - | - | €1,500 | - |
| Taxes, remuneration and social security45 | €17,955 | €12,479 | €7,172 | €13,984 | €20,402 | ▲ 45.9% |
| Taxes450/3 | €14,575 | €6,166 | €733 | €450 | €450 | = |
| Remuneration and social security454/9 | €3,380 | €6,312 | €6,438 | €13,534 | €19,952 | ▲ 47.4% |
| Other amounts payable47/48 | - | €32,113 | €50,000 | €0 | €100,000 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €95,719 | €110,554 | €141,324 | €150,732 | €128,917 | ▼ 14.5% |
| + Depreciation and write-downs630 | €11,164 | €19,036 | €25,984 | €26,385 | €26,684 | ▲ 1.1% |
| Operating cash flow (approximation) | €106,883 | €129,591 | €167,308 | €177,117 | €155,602 | ▼ 12.1% |
| Investment in fixed assets (approximation) | - | -€67,073 | -€1,949 | -€8,250 | €0 | ▲ 100% |
| Change in cash | - | -€15,945 | €54,680 | €5,031 | €73,401 | ▲ 1,359% |
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
13-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €150,732 ▲6.7%
Operating result €203,771, net result €150,732, both a record.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200,000Eq €202,656 ▲89.5%
3 profitable years in a row build equity to €202,656.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100,000Eq €106,937 ▲268%
2 profitable years in a row build equity to €106,937.
09-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 40 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Malle · 1 establishment unit since 2019
Ground area
6,694 m²
Building footprint
3,415 m²
Volume, LiDAR
9,044 m³
Parcel 11032D0010/00F000, Flanders · tallest building 18.2 m. Linked by address, not a title deed.
1 establishment unit
ONEK
since 20192.290.044.888
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11032D0010/00F000 | Flanders | 6,694 m² | 1 · 3,415 m² | 18.2 m |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 2,112 EUR awarded · 2,402 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 119 EUR | 119 EUR |
| 2024 | 1 | 1,026 EUR | 1,302 EUR |
| 2023 | 1 | 668 EUR | 682 EUR |
| 2022 | 1 | 299 EUR | 299 EUR |
Recognitions · licences · registrations
Recognised contractor
1 categoryONEK BV46376
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LJ
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MONY EN ZONEN
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Of 9,536 companies in sector 43222 we hold annual accounts for 5,667. 4,058 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
Founded05-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
70200Business and other management consultancy
Contact
Phone
0477667763Malle
E-invoicing
Reachable via Peppol
Peppol ID
0208:0727784763
Also
9925:BE0727784763
Registered
07-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.