Ovy interior
ActiveSummary
The 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 27786 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
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 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 →
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
24-09-2026 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%
Debt's share of the balance-sheet total 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
Current ratio
1.23▲
2024 · 1.16
Quick ratio
0.54▲
2024 · 0.34
Debt to 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 ≤ 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 to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
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 €142,915
DE MAERE
BE 0447.127.339
Sint-Niklaas · Eq €142,943
Glass-Décor
BE 0897.680.263
Profondeville · Eq €142,851
C+INTERIOR
BE 0674.752.784
Ninove · Eq €142,819
ABTS DIMITRI
BE 0657.934.568
Putte · Eq €142,798
Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 7,650 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-08-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43211General electrical installation work
43221Plumbing work
46130Agents in the wholesale of timber and building materials
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.