Ovy interior
ActiveThe computed 12-month bankruptcy probability of Ovy interior is 1.9% (moderate). The 2025 annual accounts show equity of €143k and a net result of €82k. Equity is growing by ~51.2% per year across the filed fiscal years. Its solvency ranks better than 39% of 27559 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+37
Solvency62=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.16 in 2024; short-term debt: 63.1% and cash: 6.2% of total assets), and 63.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 43
higher
← 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
36.9%
Return on assets
21.2%
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 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
14 d early
2023
12 d early
2022
10 d late
2021
16 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€143k▲ 29.0%
2024 · €111k
2021: €28k
2022: €41k
2023: €104k
2024: €111k
2021 → 2025
Total assets
€388k▲ 31.0%
2024 · €296k
2021: €79k
2022: €200k
2023: €274k
2024: €296k
2021 → 2025
Net result
€82k▲ 1,168%
2024 · €6k
2021: €27k
2022: €13k
2023: €64k
2024: €6k
2021 → 2025
Working capital
€55k▲ 84.0%
2024 · €30k
2021: €11k
2022: €28k
2023: €24k
2024: €30k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€41k▲ 46.3%€104k▲ 156%€111k▲ 6.2%€143k▲ 29.0%
Operating result€32k-€17k▼ 47.5%€83k▲ 396%€15k▼ 82.1%€122k▲ 723%
Net result€27k-€13k▼ 52.0%€64k▲ 393%€6k▼ 89.8%€82k▲ 1,168%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 723% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €388k
Fixed assets
€88k▲ 8.1%
Current assets
€300k▲ 39.6%
Equity and liabilities €388k
Equity
€143k▲ 29.0%
Debt
€245k▲ 32.1%
The debt ratio rises from 62.6% to 63.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€136k▲
2024 · €29k
Cash flow
€96k▲
2024 · €20k
Solvency
36.9%▼
2024 · 37.4%
Current ratio
1.23▲
2024 · 1.16
Quick ratio
0.54▲
2024 · 0.34
Debt / equity
1.71▲
2024 · 1.67
ROE
57.5%▲
2024 · 5.9%
ROA
21.2%▲
2024 · 2.2%
Interest coverage
12.87▲
2024 · 4.36
Debt
€245k▲
2024 · €185k
Debt ≤ 1 year
€245k▲
2024 · €185k
Debt > 1 year
€0▼
2024 · €361
Income taxes
€30k▲
2024 · €2k
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€296k€388k▲
Fixed assets21/28€81k€88k▲
Intangible fixed assets21€129€0▼
Tangible fixed assets22/27€81k€88k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€3k€21k▲
Leasing and similar rights25€8k€0▼
Other tangible fixed assets26€69k€66k▼
Current assets29/58€215k€300k▲
Amounts receivable after more than one year29-€50k
Other amounts receivable291-€50k
Stocks and contracts in progress3€152k€168k▲
Stocks30/36€152k€168k▲
Amounts receivable within one year40/41€31k€57k▲
Trade receivables40€20k€39k▲
Other amounts receivable41€10k€18k▲
Cash at bank and in hand54/58€30k€24k▼
Deferred charges and accrued income490/1€2k€342▼
Equity and liabilities
Total equity and liabilities10/49€296k€388k▲
Equity10/15€111k€143k▲
Contributions10/11€1k€1k=
Reserves13€110k€142k▲
Distributable reserves133€110k€142k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€185k€245k▲
Amounts payable after more than one year17€361€0▼
Financial debts170/4€361€0▼
Amounts payable within one year42/48€185k€245k▲
Current portion of amounts payable after more than one year42€7k€0▼
Financial debts43€104k€109k▲
Credit institutions430/8€104k€109k▲
Trade debts44€45k€51k▲
Suppliers440/4€45k€51k▲
Taxes, remuneration and social security45€24k€41k▲
Taxes450/3€20k€38k▲
Remuneration and social security454/9€4k€3k▼
Other amounts payable47/48€5k€45k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€13k▼
Other operating charges640/8€126€2k▲
Gross operating margin9900€29k€137k▲
Operating profit (loss)9901€15k€122k▲
Financial income75/76B€0€693▲
Recurring financial income75€0€693▲
Financial charges65/66B€7k€11k▲
Recurring financial charges65€7k€11k▲
Profit (loss) for the period before taxes9903€8k€112k▲
Income taxes67/77€2k€30k▲
Profit (loss) for the period9904€6k€82k▲
Profit (loss) for the period to be appropriated9905€6k€82k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€82k▲
Transfer to equity691/2€6k€32k▲
To other reserves6921€6k€32k▲
Profit to be distributed694/7-€50k
Return on contributions (dividend)694-€50k
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2021net €82k ▲1168%
Operating result €122k, net result €82k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €6k ▼89.8%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €104k ▲156%
3 profitable years in a row build equity to €104k.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Staden · 1 establishment unit since 2020
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.
Molenwalstraat(STA) 98840 StadenGround area
749 m²
Building footprint
123 m²
Volume, LiDAR
667 m³
Parcel 36019A1479/00H002, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ovy Interior
since 20202.306.030.389
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36019A1479/00H002 | Flanders | 749 m² | 1 · 123 m² | 9.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
C.C. CHASSIS
BE 0446.733.203
Lobbes · Eq €143k
DE MAERE
BE 0447.127.339
Sint-Niklaas · Eq €143k
Glass-Décor
BE 0897.680.263
Profondeville · Eq €143k
C+INTERIOR
BE 0674.752.784
Ninove · Eq €143k
ABTS DIMITRI
BE 0657.934.568
Putte · Eq €143k
Of 20,025 companies in sector 43320 we hold annual accounts for 9,136. 7,649 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-08-2020
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
43211General electrical installation work
43221Plumbing work
46130Agents in the wholesale of timber and building materials
74104Other professional, scientific and technical activities
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.