OWIL CONSTRUCT
ActiveSummary
OWIL CONSTRUCT has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €119,309 and a net result of €20,448. Equity is growing by ~32.9% per year across the filed fiscal years. Its solvency ranks better than 87% of 11425 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability87▼-13
Solvency100=
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity ample (current ratio 4.14 against 2.39 in 2024; short-term debt: 12.8% and cash: 36.5% of total assets), and 12.8% of the assets are financed with debt.
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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
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
87.2%
Return on assets
14.9%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
16 d early
2024
1 d early
2023
97 d early
2022
33 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 37 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€119,309▲ 20.7%
2024 · €98,861
Total assets
€136,851▲ 9.4%
2024 · €125,073
Net result
€20,448▼ 52.1%
2024 · €42,651
Working capital
€55,091▲ 51.5%
2024 · €36,370
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
Line2022202320242025
Operating result€56,094-€31,454▼ 43.9%€61,648▲ 96.0%€33,416▼ 45.8%
Net result€42,198-€20,412▼ 51.6%€42,651▲ 109%€20,448▼ 52.1%
Equity€45,798-€56,210▲ 22.7%€98,861▲ 75.9%€119,309▲ 20.7%
Total assets€69,624-€98,750▲ 41.8%€125,073▲ 26.7%€136,851▲ 9.4%
Debt€23,826-€42,540▲ 78.5%€26,212▼ 38.4%€17,542▼ 33.1%
Working capital€43,065-€28,704▼ 33.3%€36,370▲ 26.7%€55,091▲ 51.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 46% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136,851
Fixed assets
€64,218 ▲ 2.8%
Current assets
€72,633 ▲ 16.1%
Equity and liabilities €136,851
Equity
€119,309 ▲ 20.7%
Debt
€17,542 ▼ 33.1%
Debt's share of the balance-sheet total falls from 21.0% to 12.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€54,325▼
2024 · €73,257
Cash flow
€41,357▼
2024 · €54,259
Current ratio
4.14▲
2024 · 2.39
Debt to equity
0.15▼
2024 · 0.27
ROE
17.1%▼
2024 · 43.1%
ROA
14.9%▼
2024 · 34.1%
Interest coverage
11.15▼
2024 · 14.65
Debt ≤ 1 year
€17,542▼
2024 · €26,212
Income taxes
€8,153▼
2024 · €13,996
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 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €607 | €3,542 | €11,609 | €20,909 | ▲ 80.1% |
| Other operating charges640/8 | €11,794 | €7,033 | €1,721 | €250 | ▼ 85.5% |
| Gross operating margin9900 | €68,495 | €42,029 | €74,978 | €54,575 | ▼ 27.2% |
| Operating profit (loss)9901 | €56,094 | €31,454 | €61,648 | €33,416 | ▼ 45.8% |
| Financial income75/76B | €0 | - | - | €69 | - |
| Recurring financial income75 | €0 | - | - | €69 | - |
| Financial charges65/66B | €2,186 | €4,904 | €5,001 | €4,885 | ▼ 2.3% |
| Recurring financial charges65 | €2,186 | €4,904 | €5,001 | €4,873 | ▼ 2.6% |
| Non-recurring financial charges66B | - | - | - | €12 | - |
| Profit (loss) for the period before taxes9903 | €53,908 | €26,550 | €56,647 | €28,601 | ▼ 49.5% |
| Income taxes67/77 | €11,710 | €6,138 | €13,996 | €8,153 | ▼ 41.7% |
| Profit (loss) for the period9904 | €42,198 | €20,412 | €42,651 | €20,448 | ▼ 52.1% |
| Profit (loss) for the period to be appropriated9905 | €42,198 | €20,412 | €42,651 | €20,448 | ▼ 52.1% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €69,624 | €98,750 | €125,073 | €136,851 | ▲ 9.4% |
| Fixed assets21/28 | €2,733 | €27,506 | €62,491 | €64,218 | ▲ 2.8% |
| Tangible fixed assets22/27 | €2,433 | €27,206 | €62,191 | €63,918 | ▲ 2.8% |
| Plant, machinery and equipment23 | - | €1,432 | €1,100 | €2,531 | ▲ 130% |
| Furniture and vehicles24 | €2,433 | €25,774 | €42,723 | €46,637 | ▲ 9.2% |
| Other tangible fixed assets26 | - | - | €18,368 | €14,749 | ▼ 19.7% |
| Financial fixed assets28 | €300 | €300 | €300 | €300 | = |
| Current assets29/58 | €66,891 | €71,244 | €62,582 | €72,633 | ▲ 16.1% |
| Amounts receivable within one year40/41 | €4,354 | €27,652 | €32,269 | €20,509 | ▼ 36.4% |
| Trade receivables40 | €4,354 | €27,652 | €31,443 | €18,921 | ▼ 39.8% |
| Other amounts receivable41 | - | - | €826 | €1,588 | ▲ 92.3% |
| Cash at bank and in hand54/58 | €60,770 | €42,007 | €29,407 | €50,014 | ▲ 70.1% |
| Deferred charges and accrued income490/1 | €1,766 | €1,585 | €906 | €2,109 | ▲ 133% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €69,624 | €98,750 | €125,073 | €136,851 | ▲ 9.4% |
| Equity10/15 | €45,798 | €56,210 | €98,861 | €119,309 | ▲ 20.7% |
| Contributions10/11 | €3,600 | €3,600 | €3,600 | €3,600 | = |
| Profit (loss) carried forward14 | €42,198 | €52,610 | €95,261 | €115,709 | ▲ 21.5% |
| Amounts payable17/49 | €23,826 | €42,540 | €26,212 | €17,542 | ▼ 33.1% |
| Amounts payable within one year42/48 | €23,826 | €42,540 | €26,212 | €17,542 | ▼ 33.1% |
| Trade debts44 | €4,846 | €16,285 | €6,520 | €2,250 | ▼ 65.5% |
| Suppliers440/4 | €4,846 | €16,285 | €6,520 | €2,250 | ▼ 65.5% |
| Taxes, remuneration and social security45 | €18,980 | €17,547 | €19,256 | €15,292 | ▼ 20.6% |
| Taxes450/3 | €18,980 | €17,547 | €19,256 | €15,292 | ▼ 20.6% |
| Other amounts payable47/48 | - | €8,707 | €437 | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €42,198 | €20,412 | €42,651 | €20,448 | ▼ 52.1% |
| + Depreciation and write-downs630 | €607 | €3,542 | €11,609 | €20,909 | ▲ 80.1% |
| Operating cash flow (approximation) | €42,805 | €23,954 | €54,259 | €41,357 | ▼ 23.8% |
| Investment in fixed assets (approximation) | - | -€28,314 | -€46,593 | -€22,636 | ▲ 51.4% |
| Change in cash | - | -€18,764 | -€12,599 | €20,607 | ▲ 264% |
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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100,000Eq €119,309 ▲20.7%
4 profitable years in a row build equity to €119,309.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €42,651 ▲109%
Operating result €61,648, net result €42,651, both a record.
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €20,412 ▼51.6%
Net result drops to €20,412, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Wemmel · 1 establishment unit since 2021
Ground area
9,581 m²
Building footprint
285 m²
Volume, LiDAR
2,033 m³
Parcel 22005A0611/00F000, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OWIL CONSTRUCT
since 20212.323.874.827
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22005A0611/00F000 | Flanders | 9,581 m² | 1 · 285 m² | 11.9 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.
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PIOU
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PJE CONSULTING
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Of 6,149 companies in sector 46190 we hold annual accounts for 2,571. 1,958 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
Founded01-10-2021
Fiscal year end31-12
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
Contact
E-mail
oliwil1982@gmail.com
Phone
+32471400142
Scores and ratios are computed by Checked and are not a credit decision.