Losses
-€317,878 in three years
Every financial year from 2023 to 2025 closed with a loss. 2023 was the heaviest.
ONMAN
Lifetime
19 annual accounts with figures on one time axis, 36 filings since 1990peak €439,553 (2020)
€129,743▲ 8.1%
lowest -€242,123 (2021)
-€30,767▲ €60,993
peak €1.2m (2015)
€821,684▼ 3.6%
€3.9m▲ 4.7%
Board4 names since 2014
3 directorsONGENA Hans and 2 others
Documentsfilings and deeds
06-07-202625 days before the deadline
2025abbreviated format
Loss of €30,767
Key points
from the 2025 annual accountsChecked score
80
Excellent
Financially stronger than 24% of small companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 6,995 companies (NACE 68, small).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.8%
01-2025: 0.8%● unchanged vs 12-2024
02-2025: 0.8%● unchanged vs 01-2025
03-2025: 0.9%▲ +0.1 percentage points vs 02-2025
04-2025: 0.8%▼ -0.1 percentage points vs 03-2025
05-2025: 0.8%● unchanged vs 04-2025
06-2025: 0.8%● unchanged vs 05-2025
07-2025: 1.0%▲ +0.2 percentage points vs 06-2025
08-2025: 1.3%▲ +0.3 percentage points vs 07-2025
09-2025: 1.5%▲ +0.2 percentage points vs 08-2025highest value
10-2025: 0.6%▼ -0.9 percentage points vs 09-2025
11-2025: 0.6%● unchanged vs 10-2025
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.6%● unchanged vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026
05-2026: 0.6%● unchanged vs 04-2026
06-2026: 0.6%● unchanged vs 05-2026
07-2026: 0.6%● unchanged vs 06-2026
08-2026: 0.4%▼ -0.2 percentage points vs 07-2026lowest value
09-2026: 0.4%● unchanged vs 08-2026lowest value
10-2026: 0.4%● unchanged vs 09-2026lowest value
11-2026: 0.4%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 0.50, cash €552
1 of the last 3 accounts late
lowers risk
Size: total assets €4.7m
Founded in 1990
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, small). It does better than 37% of them on solvency, 8% on liquidity, 21% on profitability and 31% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,507 companies had the same profile as ONMAN has now. Each dot stands for 7 companies, two years later.
96.4%
were still trading
1.8%
stopped another way
1.6%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ONMAN itself: 0.4% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,507 companies, not a prediction for ONMAN. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €65,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.5 (0.49 in 2024), below 1. Short-term debt is 81.3% and cash 0% of total assets. 82.4% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
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
1819202122232425
2018 to 2025 · latest year -€30,767
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 days early
2024
31 days late
2023
30 days late
2022
31 days late
2021
31 days late
2020
26 days late
2019
10 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 19 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
1 director resigning, 2 reappointments
Reappointments: Hans Ongena (managing director) and Veerle Van Berlaer · Resignation: Hilde Geerts · General meeting of 26-06-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0439885397
Appointments: ONGENA Hans (director) and ONGENA Niels (director)
General meeting of 06-10-2023 · Gazette deed
1 director appointed, 2 reappointments
Reappointments: Hans Ongena and Veerle Van Berlaer · Appointment: Hans Ongena (managing director) · General meeting of 15-06-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ONMAN Hove | €4.7m | €129,743 | 17.6% | - |
| OSIRIS VENTURE Lasne | €4.4m | €121,068 | 32.2% | 0.5 |
| B.M.I. Gavere | €4.9m | €128,851 | 49.3% | - |
| T & E CONSULTANCY Bruges | €4.8m | €153,082 | 54.9% | - |
| FINAID Aalst | €4.0m | €143,733 | 98.9% | - |
| JOSEPHA Ostend | €4.3m | €159,570 | 53.8% | - |
| IMMO HOLD La Louvière | €4.3m | €164,214 | 38.7% | - |
These companies have the same main activity as ONMAN: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €4m and €4.9m, founded between 1985 and 1992.
Official details
Source: KBO- Status
- Active since 13-02-1990Normal situation
- Activity
- Real estate agency activitiesNACE 68310and 1 other
- Establishment unit
- 2.047.360.3902540 Hove, since 23-05-1991
- Financial year end
- 31 December
- Peppol
- Reachable since 22-10-2024
Annual accounts 2025
- ≈ €230,000estimated
- €4.7m▲ 3.1%
- Filing
- Filed on 06-07-2026, 25 days before the end of the filing period
Insights on ONMAN
ONMAN files the abbreviated format. That format states no turnover. The gross margin fell from €296,124 in 2007 to €129,743 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ONMAN
- What is the company number of ONMAN?
- The company number of ONMAN is 0439.885.397. The VAT number is the same number with BE in front: BE 0439.885.397.
- Where is ONMAN based?
- The registered office is at Neckersbeemd 6, 2540 Hove.Company details
- What does ONMAN do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of ONMAN?
- ONMAN is a public limited company (NV).
- When was ONMAN founded?
- ONMAN was founded on 13-02-1990.
- Is ONMAN still active?
- Yes, ONMAN is an active enterprise in the KBO register.
- What is the turnover of ONMAN?
- The turnover in financial year 2025 is ≈ €230,000. This figure is estimated from the gross margin of €129,743 and 32 comparable companies (NACE 68310). It probably lies between €180,000 and €350,000.Financials
- Is ONMAN profitable?
- In financial year 2025, ONMAN made a loss of €30,767.
- Where can I find the annual accounts of ONMAN?
- ONMAN filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ONMAN due?
- ONMAN must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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