ONM
ActiveSummary
The computed 12-month bankruptcy probability of ONM is 2.2% (moderate). The 2025 annual accounts show equity of €40,354 and a net result of €18,109. Equity is growing by ~86.8% per year across the filed fiscal years. Its solvency ranks better than 38% of 7524 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability87▼-7
Solvency58▲+3
Growth85=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 1.61 against 1.59 in 2024; short-term debt: 56.3% and cash: 0.9% of total assets), but 67.3% 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 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
32.7%
Return on assets
14.7%
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 26-08-2026, 26 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 · 3 filingsDeviation from the deadline
2025
26 d late
2024
159 d late
2023
425 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 203 days after 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 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 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 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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Financials · fiscal year 2025, micro schema
Turnover
€252,779▲ 106%
2023 · €122,629
EBIT margin
11.1%▲ 9.2pp
2023 · 1.9%
Net result
€18,109▼ 11.6%
2024 · €20,492
Working capital
€42,211▲ 131%
2024 · €18,268
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
Line202320242025
Turnover€122,629-€252,779▲ 106%
Operating result€2,348-€28,019▲ 1,093%€23,525▼ 16.0%
Net result€1,753-€20,492▲ 1,069%€18,109▼ 11.6%
EBIT margin1.9%-11.1%▲ 9.2pp
Equity€1,753-€22,245▲ 1,169%€40,354▲ 81.4%
Total assets€20,001-€74,473▲ 272%€123,223▲ 65.5%
Debt€18,249-€52,228▲ 186%€82,870▲ 58.7%
Working capital€1,753-€18,268▲ 942%€42,211▲ 131%
Turnover and EBIT margin not published: the micro schema does not require them.
Why a figure moved sharply
- 2024 Turnover +106% on 2023. Cause not known from the registers.
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 €123,223
Fixed assets
€11,687 ▼ 53.3%
Current assets
€111,537 ▲ 126%
Equity and liabilities €123,223
Equity
€40,354 ▲ 81.4%
Debt
€82,870 ▲ 58.7%
Debt's share of the balance-sheet total falls from 70.1% to 67.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€38,471▲
2024 · €38,382
Cash flow
€33,055▲
2024 · €30,856
Current ratio
1.61▲
2024 · 1.59
Debt to equity
2.05▼
2024 · 2.35
ROE
44.9%▼
2024 · 92.1%
ROA
14.7%▼
2024 · 27.5%
Interest coverage
213.39▲
2024 · 20.35
Debt ≤ 1 year
€69,326▲
2024 · €31,164
Debt > 1 year
€13,544▼
2024 · €21,064
Income taxes
€5,236▼
2024 · €5,643
Staff costs
€696▼
2024 · €1,656
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
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 39,275 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 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Turnover70 | €122,629 | €252,779 | - | - |
| Non-recurring operating income76A | - | €387 | - | - |
| Goods, raw materials, services and sundry goods60/61 | €119,479 | €212,438 | - | - |
| Remuneration, social security and pensions62 | €802 | €1,656 | €696 | ▼ 58.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €10,363 | €14,947 | ▲ 44.2% |
| Other operating charges640/8 | - | €690 | €470 | ▼ 31.9% |
| Gross operating margin9900 | €3,150 | €40,728 | €39,638 | ▼ 2.7% |
| Operating profit (loss)9901 | €2,348 | €28,019 | €23,525 | ▼ 16.0% |
| Financial income75/76B | - | €3 | - | - |
| Recurring financial income75 | - | €3 | - | - |
| Financial charges65/66B | €157 | €1,886 | €180 | ▼ 90.4% |
| Recurring financial charges65 | €157 | €1,886 | €180 | ▼ 90.4% |
| Profit (loss) for the period before taxes9903 | €2,191 | €26,135 | €23,345 | ▼ 10.7% |
| Income taxes67/77 | €438 | €5,643 | €5,236 | ▼ 7.2% |
| Profit (loss) for the period9904 | €1,753 | €20,492 | €18,109 | ▼ 11.6% |
| Profit (loss) for the period to be appropriated9905 | €1,753 | €20,492 | €18,109 | ▼ 11.6% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €20,001 | €74,473 | €123,223 | ▲ 65.5% |
| Fixed assets21/28 | - | €25,041 | €11,687 | ▼ 53.3% |
| Tangible fixed assets22/27 | - | €25,041 | €11,687 | ▼ 53.3% |
| Furniture and vehicles24 | - | €25,041 | €11,687 | ▼ 53.3% |
| Current assets29/58 | €20,001 | €49,431 | €111,537 | ▲ 126% |
| Amounts receivable within one year40/41 | €18,294 | €46,704 | €109,538 | ▲ 135% |
| Trade receivables40 | €6,935 | €26,270 | €79,393 | ▲ 202% |
| Other amounts receivable41 | €11,360 | €20,434 | €30,145 | ▲ 47.5% |
| Cash at bank and in hand54/58 | €1,707 | €2,356 | €1,152 | ▼ 51.1% |
| Deferred charges and accrued income490/1 | - | €371 | €847 | ▲ 128% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €20,001 | €74,473 | €123,223 | ▲ 65.5% |
| Equity10/15 | €1,753 | €22,245 | €40,354 | ▲ 81.4% |
| Profit (loss) carried forward14 | €1,753 | €22,245 | €40,354 | ▲ 81.4% |
| Amounts payable17/49 | €18,249 | €52,228 | €82,870 | ▲ 58.7% |
| Amounts payable after more than one year17 | - | €21,064 | €13,544 | ▼ 35.7% |
| Financial debts170/4 | - | €21,064 | €13,544 | ▼ 35.7% |
| Amounts payable within one year42/48 | €18,249 | €31,164 | €69,326 | ▲ 122% |
| Financial debts43 | - | €7,967 | €7,381 | ▼ 7.4% |
| Credit institutions430/8 | - | €7,967 | €7,381 | ▼ 7.4% |
| Trade debts44 | €6,935 | €17,115 | €52,899 | ▲ 209% |
| Suppliers440/4 | €6,935 | €17,115 | €52,899 | ▲ 209% |
| Taxes, remuneration and social security45 | €10,908 | €6,081 | €9,046 | ▲ 48.8% |
| Taxes450/3 | €10,908 | €6,081 | €9,046 | ▲ 48.8% |
| Other amounts payable47/48 | €406 | - | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,753 | €20,492 | €18,109 | ▼ 11.6% |
| + Depreciation and write-downs630 | - | €10,363 | €14,947 | ▲ 44.2% |
| Operating cash flow (approximation) | €1,753 | €30,856 | €33,055 | ▲ 7.1% |
| Investment in fixed assets (approximation) | - | - | -€1,592 | - |
| Change in cash | - | €649 | -€1,204 | ▼ 286% |
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 159 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 425 days late
2024
31-12
Financial
Highest result since 2023net €20,492 ▲1,069%
Operating result €28,019, net result €20,492, both a record.
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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Directors · office · real estate
Directors
2 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, Asse · 1 establishment unit since 2023
Ground area
1,676 m²
Building footprint
1,395 m²
Volume, LiDAR
8,677 m³
2 parcels, Flanders · tallest building 16.0 m, ±4 floors. Linked by address, not a title deed.
98
companies at this address
See who is registered here
1 establishment unit
ONM
since 20232.342.488.533
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23095B0028/00F002 | Flanders | 1,283 m² | 1 · 1,283 m² | 9.5 m · 2 fl. |
| 22662B0378/00Y003 | Flanders | 394 m² | 1 · 113 m² | 16.0 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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DBV RENOV
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TERRASSEMENT FRANCHI
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,042. 12,858 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
Founded01-03-2023
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0798972865
Also
9925:BE0798972865
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.