Ons Geluk
ActiveOns Geluk has been active since 1965 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.89M and a net result of €-1.21M. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 90% of 529 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth35=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €290k at 30 days acceptable
Liquidity ample (current ratio 8.8 against 13.75 in 2024; short-term debt: 9.4% and cash: 29.6% of total assets), and 19.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 87
Relative position
BE, all sectors
reference
Sector 87
lower
← 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
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
80.7%
Return on assets
-25%
Age of the figures
9 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
1819202122232425
2018 to 2025 · latest year €-1.21M
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
20 d early
2023
15 d early
2022
38 d early
2021
27 d early
2020
30 d early
2019
9 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€1.27M▼ 69.0%
2021 · €4.12M
2018: €4.15M
2019: €3.91M
2020: €4.17M
2021: €4.12M
2018 → 2022
EBIT margin
421.8%▲ 414.0pp
2021 · 7.8%
2018: 11.7%
2019: -0.5%
2020: -1.5%
2021: 7.8%
2018 → 2022
Net result
€-1.21M▼ 24.3%
2024 · €-970k
2018: €406k
2019: €-96k
2020: €-134k
2021: €260k
2022: €5.31M
2023: €-1.56M
2024: €-970k
2018 → 2025
Working capital
€3.54M▼ 27.2%
2024 · €4.87M
2018: €189k
2019: €51k
2020: €-178k
2021: €176k
2022: €8.24M
2023: €6.59M
2024: €4.87M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€4.12M-€1.27M▼ 69.0%
Equity€3.53M-€7.62M▲ 116%€6.06M▼ 20.4%€5.09M▼ 16.0%€3.89M▼ 23.7%
Operating result€320k-€5.38M▲ 1,582%€-1.69M€-1.02M▲ 39.5%€-1.22M▼ 19.2%
Net result€260k-€5.31M▲ 1,946%€-1.56M€-970k▲ 37.8%€-1.21M▼ 24.3%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1.22M in 2025 against €1.02M in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.82M
Fixed assets
€826k▲ 7.1%
Current assets
€4.00M▼ 23.9%
Equity and liabilities €4.82M
Equity
€3.89M▼ 23.7%
Provisions
€5k=
Debt
€927k▲ 0.9%
The debt ratio rises from 15.3% to 19.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-1.18M▼
2024 · €-923k
Cash flow
€-1.17M▼
2024 · €-868k
Solvency
80.7%▼
2024 · 84.7%
Current ratio
8.80▼
2024 · 13.75
Quick ratio
8.77▼
2024 · 13.73
Debt / equity
0.24▲
2024 · 0.18
ROE
-31.0%▼
2024 · -19.0%
ROA
-25.0%▼
2024 · -16.1%
Interest coverage
-43.94▼
2024 · -31.81
Debt
€927k▲
2024 · €918k
Debt ≤ 1 year
€454k▲
2024 · €382k
Debt > 1 year
€466k▼
2024 · €532k
Income taxes
€38k▲
2024 · €36k
Staff costs
€1.74M▲
2024 · €1.52M
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€6.02M€4.82M▼
Fixed assets21/28€771k€826k▲
Tangible fixed assets22/27€760k€815k▲
Land and buildings22€700k€726k▲
Plant, machinery and equipment23€48k€78k▲
Furniture and vehicles24€11k€11k▼
Financial fixed assets28€12k€11k▼
Current assets29/58€5.25M€4.00M▼
Stocks and contracts in progress3€7k€10k▲
Stocks30/36€7k€10k▲
Amounts receivable within one year40/41€203k€201k▼
Trade receivables40€1k-
Other amounts receivable41€202k€201k▼
Current investments50/53€2.95M€2.34M▼
Cash at bank and in hand54/58€2.07M€1.43M▼
Deferred charges and accrued income490/1€11k€14k▲
Equity and liabilities
Total equity and liabilities10/49€6.02M€4.82M▼
Equity10/15€5.09M€3.89M▼
Contributions10/11€325k€325k=
Capital10€325k€325k=
Reserves13€523k€523k=
Profit (loss) carried forward14€4.25M€3.04M▼
Provisions and deferred taxes16€5k€5k=
Provisions for liabilities and charges160/5€5k€5k=
Other liabilities and charges164/5€5k€5k=
Amounts payable17/49€918k€927k▲
Amounts payable after more than one year17€532k€466k▼
Financial debts170/4€532k€466k▼
Amounts payable within one year42/48€382k€454k▲
Current portion of amounts payable after more than one year42€64k€67k▲
Financial debts43-€45
Credit institutions430/8-€45
Trade debts44€5k€11k▲
Suppliers440/4€5k€11k▲
Taxes, remuneration and social security45€299k€377k▲
Taxes450/3€49k€72k▲
Remuneration and social security454/9€250k€305k▲
Accrued charges and deferred income492/3€4k€7k▲
Income statement
Code20242025
Non-recurring operating income76A-€10k
Goods, raw materials, services and sundry goods60/61€338k€413k▲
Remuneration, social security and pensions62€1.52M€1.74M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€101k€39k▼
Other operating charges640/8€1.00M€1.10M▲
Gross operating margin9900€1.60M€1.65M▲
Operating profit (loss)9901€-1.02M€-1.22M▼
Financial income75/76B€120k€80k▼
Recurring financial income75€120k€80k▼
Financial charges65/66B€29k€27k▼
Recurring financial charges65€29k€27k▼
Profit (loss) for the period before taxes9903€-933k€-1.17M▼
Income taxes67/77€36k€38k▲
Profit (loss) for the period9904€-970k€-1.21M▼
Profit (loss) for the period to be appropriated9905€-970k€-1.21M▼
Appropriation of the result
Profit (loss) to be appropriated9906€4.25M€3.04M▼
Profit (loss) brought forward from the previous period14P€5.22M€4.25M▼
Social balance
Average headcount (FTE)908719.920.4▲
The notes to these accounts (13 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
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-1.56M ▼129%
Net result drops to €-1.56M, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €5.31M ▲1946%
Operating result €5.38M, net result €5.31M, both a record.
31-12
Financial
Liquidity times 13current ratio 14.86
Current ratio from 1.12 to 14.86; short-term debt falls from €1.53M to €595k.
31-12
Financial
Equity above €5MEq €7.62M ▲116%
2 profitable years in a row build equity to €7.62M.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €260k
Net result €260k after 2 loss-making years.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
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.
Directors · office · real estate
Directors
11 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, Oostende · 3 establishment units 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.
Westlaan 378400 OostendeGround area
2,917 m²
Building footprint
551 m²
Volume, LiDAR
3,037 m³
3 parcels, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
magnolia 1
since 20052.150.961.340
magnolia 2
since 20052.150.961.538
Admin
since 20242.361.990.877
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41021A0261/00T000 | Flanders | 1,755 m² | 1 · 270 m² | 7.4 m · 1 fl. |
| 41056A1024/00D002 | Flanders | 845 m² | 1 · 160 m² | 9.6 m · 2 fl. |
| 35391A0158/00H000 | Flanders | 317 m² | 1 · 121 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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 · 11 entries · 7,379,013 EUR awarded · 7,163,819 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 2,003,680 EUR | 1,972,928 EUR |
| 2024 | 1 | 1,853,381 EUR | 1,845,140 EUR |
| 2023 | 2 | 1,781,370 EUR | 1,757,838 EUR |
| 2022 | 6 | 1,740,582 EUR | 1,587,913 EUR |
Schemes
Subsidies jeugdhulp
Erkenning en subsidiëring van voorzieningen Jeugdhulp
Erkenning en financiering/subsidiëring van woonzorgcentra
Subsidie voor klassieke financiering preventie agressie
Subsidie aan instellingen in het beleidsdomein Welzijn, Volksgezondheid en Gezin voor de tussenkomst in de energiekost in 2023
Show 3 more
Subsidie voor de tussenkomst in de energiekost in 2022
Vlaams opleidingsverlof (VOV)
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Recognitions · licences · registrations
Food safety, FASFC
1 siteGeraardsbergen2.150.961.340
Care and welfare
4 services · 1 liveHOME MAGNOLIA
ROYAL MIDLAND
Woon- en Zorgcentrum Ons Geluk Middellaan
Woon- en Zorgcentrum Ons Geluk Torhoutsesteenweg
Dual-learning approval
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Of 228 companies in sector 87991 we hold annual accounts for 209. 157 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded21-01-1965
Fiscal year end31-12
Activities, NACEBEL
85313
87991Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:tonia.vanderlinden@vzwonsgeluk.be