OUMALIS GEORGES CONSTRUCT
ActiveSummary
OUMALIS GEORGES CONSTRUCT has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€82,379) and a net result of €41,643. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 7730 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+48
Solvency0=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 2.36 against 0.63 in 2024; short-term debt: 40.6% and cash: 18.7% of total assets), but equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
-51.5%
Return on assets
26.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 7730 sector peers (2025).
NBB · sector comparisonPosition among 7730 sector peers
Solvency
better than 5%
← weakest
strongest →
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
20 d late
2023
20 d late
2022
16 d late
2021
24 d early
2020
4 d late
2019
38 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 2 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. Usually files around 16 August (4 of the last 5 filed years within 40 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€82,379▲ 33.6%
2024 · -€124,022
Total assets
€159,840▲ 23.8%
2024 · €129,124
Net result
€41,643▲ 571%
2024 · €6,206
Working capital
€88,428
2024 · -€67,009
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€84,359€134,680▲ 59.7%-€4,989€16,389€49,863▲ 204%
Net result€63,203above the sector's middle half€124,726above the sector's middle half▲ 97.3%-€11,380below the sector's middle half€6,206within the sector's middle half€41,643above the sector's middle half▲ 571%
Equity-€243,574below the sector's middle half▲ 20.6%-€118,848below the sector's middle half▲ 51.2%-€130,228below the sector's middle half▼ 9.6%-€124,022below the sector's middle half▲ 4.8%-€82,379below the sector's middle half▲ 33.6%
Total assets€136,042within the sector's middle half▲ 40.7%€205,798within the sector's middle half▲ 51.3%€151,061within the sector's middle half▼ 26.6%€129,124within the sector's middle half▼ 14.5%€159,840within the sector's middle half▲ 23.8%
Debt€379,616▼ 5.9%€324,646▼ 14.5%€281,289▼ 13.4%€253,146▼ 10.0%€242,219▼ 4.3%
Working capital-€133,576below the sector's middle half▼ 0.7%-€15,251below the sector's middle half▲ 88.6%-€50,779below the sector's middle half▼ 233%-€67,009below the sector's middle half▼ 32.0%€88,428above the sector's middle half
Solvency-179.0%below the sector's middle half▲ 138.3pp-57.7%below the sector's middle half▲ 121.3pp-86.2%below the sector's middle half▼ 28.5pp-96.0%below the sector's middle half▼ 9.8pp-51.5%below the sector's middle half▲ 44.5pp
Current ratio0.40below the sector's middle half=0.91below the sector's middle half▲ 0.520.71below the sector's middle half▼ 0.210.63below the sector's middle half▼ 0.072.36within the sector's middle half▲ 1.73
Return on assets (ROA)46.5%above the sector's middle half▲ 74.5pp60.6%above the sector's middle half▲ 14.1pp-7.5%below the sector's middle half▼ 68.1pp4.8%within the sector's middle half▲ 12.3pp26.1%above the sector's middle half▲ 21.2pp
Staff (FTE)9.1▲ 15.2%9▼ 1.1%8.7▼ 3.3%6.8▼ 21.8%6▼ 11.8%
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 204% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €159,840
Fixed assets
€6,577 ▼ 48.2%
Current assets
€153,263 ▲ 31.6%
Equity and liabilities
Equity-€82,379
Debt€242,219
Equity is negative: debt (€242,219) exceeds the balance-sheet total (€159,840).
Key figures and ratios
EBITDA
€58,928▲
2024 · €33,582
Cash flow
€50,708▲
2024 · €23,399
Quick ratio
2.19▲
2024 · 0.58
Interest coverage
7.17▲
2024 · 3.30
Debt ≤ 1 year
€64,835▼
2024 · €183,432
Debt > 1 year
€173,409▲
2024 · €66,834
Staff costs
€213,448▲
2024 · €164,365
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,795 companies that looked in July 2024 the way this one looks now, 2.7% went bankrupt within 24 months and 92% are still going.
- Micro
- 20 years or older
- negative equity
- a profit of 5% of the balance sheet or more
2.7%
went bankrupt
5.3%
stopped otherwise
92%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.9% 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 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
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 3,795 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €122,655 | €165,346 | €185,804 | €164,365 | €213,448 | ▲ 29.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,853 | €16,942 | €18,501 | €17,193 | €9,065 | ▼ 47.3% |
| Other operating charges640/8 | €6,786 | €7,868 | €2,257 | €5,712 | €4,039 | ▼ 29.3% |
| Non-recurring operating charges66A | - | - | €405 | - | - | - |
| Gross operating margin9900 | €225,653 | €324,836 | €201,978 | €203,659 | €276,415 | ▲ 35.7% |
| Operating profit (loss)9901 | €84,359 | €134,680 | -€4,989 | €16,389 | €49,863 | ▲ 204% |
| Financial charges65/66B | €21,104 | €9,954 | €7,122 | €10,183 | €8,220 | ▼ 19.3% |
| Recurring financial charges65 | €21,104 | €9,954 | €7,122 | €10,183 | €8,220 | ▼ 19.3% |
| Profit (loss) for the period before taxes9903 | €63,255 | €124,726 | -€12,111 | €6,206 | €41,643 | ▲ 571% |
| Income taxes67/77 | €52 | - | -€731 | - | - | - |
| Profit (loss) for the period9904 | €63,203 | €124,726 | -€11,380 | €6,206 | €41,643 | ▲ 571% |
| Profit (loss) for the period to be appropriated9905 | €63,203 | €124,726 | -€11,380 | €6,206 | €41,643 | ▲ 571% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €136,042 | €205,798 | €151,061 | €129,124 | €159,840 | ▲ 23.8% |
| Fixed assets21/28 | €47,096 | €41,990 | €28,391 | €12,701 | €6,577 | ▼ 48.2% |
| Tangible fixed assets22/27 | €46,596 | €41,990 | €27,891 | €12,201 | €6,077 | ▼ 50.2% |
| Plant, machinery and equipment23 | €6,047 | €13,653 | €9,618 | €4,920 | €2,936 | ▼ 40.3% |
| Furniture and vehicles24 | €40,549 | €28,337 | €18,273 | €7,281 | €3,141 | ▼ 56.9% |
| Financial fixed assets28 | €500 | €0 | €500 | €500 | €500 | = |
| Current assets29/58 | €88,946 | €163,808 | €122,670 | €116,423 | €153,263 | ▲ 31.6% |
| Stocks and contracts in progress3 | €6,501 | €6,386 | €9,821 | €9,961 | €11,146 | ▲ 11.9% |
| Stocks30/36 | €6,501 | €6,386 | €9,821 | €9,961 | €11,146 | ▲ 11.9% |
| Amounts receivable within one year40/41 | €69,783 | €144,670 | €98,882 | €86,057 | €108,520 | ▲ 26.1% |
| Trade receivables40 | €67,090 | €144,526 | €98,882 | €86,057 | €108,520 | ▲ 26.1% |
| Other amounts receivable41 | €2,693 | €144 | - | - | - | - |
| Cash at bank and in hand54/58 | €11,669 | €9,926 | €10,417 | €9,021 | €29,927 | ▲ 232% |
| Deferred charges and accrued income490/1 | €993 | €2,826 | €3,550 | €11,384 | €3,670 | ▼ 67.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €136,042 | €205,798 | €151,061 | €129,124 | €159,840 | ▲ 23.8% |
| Equity10/15 | -€243,574 | -€118,848 | -€130,228 | -€124,022 | -€82,379 | ▲ 33.6% |
| Contributions10/11 | €19,000 | €19,000 | €19,000 | €19,000 | €19,000 | = |
| Reserves13 | €124,068 | €124,068 | €124,068 | €124,068 | €124,068 | = |
| Non-distributable reserves130/1 | €1,900 | €1,900 | €1,900 | €1,900 | €1,900 | = |
| Reserves not available under the articles1311 | €1,900 | €1,900 | €1,900 | €1,900 | €1,900 | = |
| Distributable reserves133 | €122,168 | €122,168 | €122,168 | €122,168 | €122,168 | = |
| Profit (loss) carried forward14 | -€386,642 | -€261,916 | -€273,296 | -€267,090 | -€225,447 | ▲ 15.6% |
| Amounts payable17/49 | €379,616 | €324,646 | €281,289 | €253,146 | €242,219 | ▼ 4.3% |
| Amounts payable after more than one year17 | €157,094 | €141,719 | €107,496 | €66,834 | €173,409 | ▲ 159% |
| Financial debts170/4 | €157,094 | €141,719 | €107,496 | €66,834 | €173,409 | ▲ 159% |
| Amounts payable within one year42/48 | €222,522 | €179,059 | €173,449 | €183,432 | €64,835 | ▼ 64.7% |
| Current portion of amounts payable after more than one year42 | €71,000 | €70,000 | €70,000 | €75,000 | €0 | ▼ 100% |
| Financial debts43 | - | €123 | - | €15 | €0 | ▼ 100% |
| Credit institutions430/8 | - | €123 | - | €15 | €0 | ▼ 100% |
| Trade debts44 | €97,706 | €94,675 | €83,479 | €68,433 | €55,202 | ▼ 19.3% |
| Suppliers440/4 | €97,706 | €94,675 | €83,479 | €68,433 | €55,202 | ▼ 19.3% |
| Taxes, remuneration and social security45 | €53,816 | €14,261 | €19,970 | €39,984 | €9,633 | ▼ 75.9% |
| Taxes450/3 | €41,906 | €2,693 | €9,285 | €21,416 | €285 | ▼ 98.7% |
| Remuneration and social security454/9 | €11,910 | €11,568 | €10,685 | €18,568 | €9,348 | ▼ 49.7% |
| Accrued charges and deferred income492/3 | - | €3,868 | €344 | €2,880 | €3,975 | ▲ 38.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €63,203 | €124,726 | -€11,380 | €6,206 | €41,643 | ▲ 571% |
| + Depreciation and write-downs630 | €11,853 | €16,942 | €18,501 | €17,193 | €9,065 | ▼ 47.3% |
| Operating cash flow (approximation) | €75,056 | €141,668 | €7,121 | €23,399 | €50,708 | ▲ 117% |
| Investment in fixed assets (approximation) | - | -€11,836 | -€4,902 | -€1,503 | -€2,941 | ▼ 95.7% |
| Change in cash | - | -€1,743 | €491 | -€1,396 | €20,906 | ▲ 1,598% |
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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity quadruplescurrent ratio 2.36
Current ratio from 0.63 to 2.36; short-term debt falls from €183,432 to €64,835.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Back to profitnet €6,206
Net result €6,206 after one loss-making year.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
31-12
Financial
Highest result since 2018net €124,726 ▲97.3%
Operating result €134,680, net result €124,726, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €63,203
Net result €63,203 after 3 loss-making years.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 38 days late
2019
13-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 44 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 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
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2004
Ground area
943 m²
Building footprint
227 m²
Volume, LiDAR
1,824 m³
2 parcels, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
O.G. CONSTRUCT
since 20042.137.138.345
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56058A0578/00N000 | Wallonia | 547 m² | 1 · 143 m² | 11.0 m · 3 fl. |
| 52047B0366/00K069 | Wallonia | 396 m² | 1 · 84 m² | 9.9 m · 3 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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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 29,766 companies in this sector we hold annual accounts for 16,066. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded20-04-2004
Fiscal year end31-12
Abbreviation FR
O.G. ONSTRUCT
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
43221Plumbing work
43230Insulation installation
43410Roofing work
Contact
Phone
0475/35.36.90Charleroi
Fax
071/54.07.50Charleroi
E-invoicing
Reachable via Peppol
Peppol ID
0208:0864811616
Registered
17-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.