OWEN
ActiveSummary
OWEN has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €141k and a net result of €5k. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 78% of 205 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2026
Axes · tick = 2025
Profitability72▲+3
Solvency100▲+2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 4.16 against 3.93 in 2025; short-term debt: 11.3% and cash: 24% of total assets), and 17.1% of the assets are financed with debt.
Credit check 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 · 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
Specialised construction activities (NACE 43)
about 85% 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
82.9%
Return on assets
2.9%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 14-09-2026, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
47 d early
2025
on the day
2024
on the day
2023
11 d early
2022
3 d late
2021
3 d late
2020
6 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€141k▲ 3.6%
2025 · €136k
Total assets
€170k▼ 9.4%
2025 · €188k
Net result
€5k▲ 49,322%
2025 · €10
Working capital
€61k▲ 21.2%
2025 · €50k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023202420252026
Operating result€34k▲ 197%€22k▼ 36.8%€9k▼ 60.5%€4k▼ 55.3%€8k▲ 109%
Net result€24k▲ 166%€15k▼ 37.3%€4k▼ 75.2%€10▼ 99.7%€5k▲ 49,322%
Equity€117k▲ 26.5%€132k▲ 13.1%€136k▲ 2.9%€136k=€141k▲ 3.6%
Total assets€172k▲ 21.7%€241k▲ 39.8%€229k▼ 4.9%€188k▼ 18.0%€170k▼ 9.4%
Debt€55k▲ 12.8%€108k▲ 96.3%€93k▼ 14.4%€52k▼ 44.4%€29k▼ 43.8%
Working capital€61k▲ 19.7%€59k▼ 3.1%€71k▲ 21.3%€50k▼ 29.8%€61k▲ 21.2%
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 2026; 2026 is 109% above 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €170k
Fixed assets
€90k ▼ 25.2%
Current assets
€80k ▲ 19.0%
Equity and liabilities €170k
Equity
€141k ▲ 3.6%
Debt
€29k ▼ 43.8%
Debt's share of the balance-sheet total falls from 27.5% to 17.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€45k▲
2025 · €38k
Cash flow
€42k▲
2025 · €34k
Current ratio
4.16▲
2025 · 3.93
Quick ratio
3.10▼
2025 · 3.36
Debt to equity
0.21▼
2025 · 0.38
ROE
3.5%▲
2025 · 0.0%
ROA
2.9%▲
2025 · 0.0%
Interest coverage
31.24▲
2025 · 10.85
Debt ≤ 1 year
€19k▲
2025 · €17k
Debt > 1 year
€10k▼
2025 · €35k
Income taxes
€2k▲
2025 · €280
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €12k | - | €20k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25k | €31k | €38k | €34k | €37k | ▲ 7.4% |
| Other operating charges640/8 | €2k | €2k | €1k | €353 | €1k | ▲ 214% |
| Gross operating margin9900 | €60k | €55k | €48k | €39k | €46k | ▲ 19.3% |
| Operating profit (loss)9901 | €34k | €22k | €9k | €4k | €8k | ▲ 109% |
| Financial income75/76B | €5 | €7 | €5 | €0 | - | - |
| Recurring financial income75 | €5 | €7 | €5 | €0 | - | - |
| Financial charges65/66B | €2k | €1k | €3k | €4k | €1k | ▼ 59.2% |
| Recurring financial charges65 | €2k | €1k | €3k | €4k | €1k | ▼ 59.2% |
| Profit (loss) for the period before taxes9903 | €32k | €20k | €6k | €290 | €7k | ▲ 2,152% |
| Income taxes67/77 | €8k | €5k | €2k | €280 | €2k | ▲ 478% |
| Profit (loss) for the period9904 | €24k | €15k | €4k | €10 | €5k | ▲ 49,322% |
| Profit (loss) for the period to be appropriated9905 | €24k | €15k | €4k | €10 | €5k | ▲ 49,322% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €172k | €241k | €229k | €188k | €170k | ▼ 9.4% |
| Fixed assets21/28 | €79k | €132k | €102k | €121k | €90k | ▼ 25.2% |
| Tangible fixed assets22/27 | €79k | €132k | €102k | €121k | €90k | ▼ 25.2% |
| Plant, machinery and equipment23 | €9k | €16k | €19k | €14k | €15k | ▲ 6.3% |
| Furniture and vehicles24 | €70k | €116k | €83k | €106k | €75k | ▼ 29.4% |
| Financial fixed assets28 | €72 | €72 | €72 | €72 | €72 | = |
| Current assets29/58 | €93k | €108k | €127k | €67k | €80k | ▲ 19.0% |
| Stocks and contracts in progress3 | - | €38k | - | €10k | €20k | ▲ 108% |
| Contracts in progress37 | - | €38k | - | €10k | €20k | ▲ 108% |
| Amounts receivable within one year40/41 | €35k | €42k | €99k | €43k | €18k | ▼ 57.9% |
| Trade receivables40 | €12k | - | €82k | €6k | €2k | ▼ 57.2% |
| Other amounts receivable41 | €22k | €42k | €17k | €37k | €16k | ▼ 58.0% |
| Cash at bank and in hand54/58 | €57k | €28k | €27k | €13k | €41k | ▲ 222% |
| Deferred charges and accrued income490/1 | €1k | - | €1k | €1k | €379 | ▼ 72.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €172k | €241k | €229k | €188k | €170k | ▼ 9.4% |
| Equity10/15 | €117k | €132k | €136k | €136k | €141k | ▲ 3.6% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €98k | €113k | €117k | €117k | €117k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €96k | €111k | €115k | €115k | €115k | = |
| Profit (loss) carried forward14 | €13k | €13k | €13k | €13k | €18k | ▲ 38.3% |
| Amounts payable17/49 | €55k | €108k | €93k | €52k | €29k | ▼ 43.8% |
| Amounts payable after more than one year17 | €23k | €59k | €37k | €35k | €10k | ▼ 71.6% |
| Financial debts170/4 | €23k | €59k | €37k | €35k | €10k | ▼ 71.6% |
| Amounts payable within one year42/48 | €33k | €50k | €56k | €17k | €19k | ▲ 12.5% |
| Current portion of amounts payable after more than one year42 | €16k | €21k | €22k | €3k | €13k | ▲ 392% |
| Trade debts44 | €5k | €22k | €7k | €10k | €5k | ▼ 51.9% |
| Suppliers440/4 | €5k | €22k | €7k | €10k | €5k | ▼ 51.9% |
| Advances received on contracts in progress46 | - | - | €20k | - | - | - |
| Taxes, remuneration and social security45 | €12k | €7k | €7k | €2k | €2k | ▼ 15.8% |
| Taxes450/3 | €10k | €5k | €5k | €2k | €2k | ▼ 12.5% |
| Remuneration and social security454/9 | €2k | €2k | €2k | €72 | - | - |
| Other amounts payable47/48 | €4 | - | - | €2k | €42 | ▼ 98.3% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24k | €15k | €4k | €10 | €5k | ▲ 49,322% |
| + Depreciation and write-downs630 | €25k | €31k | €38k | €34k | €37k | ▲ 7.4% |
| Operating cash flow (approximation) | €49k | €47k | €42k | €34k | €42k | ▲ 21.6% |
| Investment in fixed assets (approximation) | - | €-85k | €-8k | €-53k | €-7k | ▲ 87.6% |
| Change in cash | - | €-29k | €-2k | €-14k | €28k | ▲ 302% |
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 2027, expected by
2026
14-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €10 ▼99.7%
Net result drops to €10, the lowest in the series; recovery starts the following year.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
20-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
31-03
Financial
Highest result since 2019net €24k ▲166%
Operating result €34k, net result €24k, both a record.
31-03
Financial
Equity above €100kEq €117k ▲26.5%
4 profitable years in a row build equity to €117k.
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2020
06-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 days late
2019
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2018
19-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Leuven · 1 establishment unit since 2004
Ground area
1,378 m²
Building footprint
128 m²
Volume, LiDAR
685 m³
Parcel 24040C0092/00P000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
-
since 20042.142.296.072
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24040C0092/00P000 | Flanders | 1,378 m² | 1 · 128 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
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JILOU TOITURE
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Of 8,568 companies in sector 43410 we hold annual accounts for 4,363. 3,775 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-03-2004
Fiscal year end31-03
Activities, NACEBEL 2025
43410Roofing work
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
43320Joinery installation
Scores and ratios are computed by Checked and are not a credit decision.