Equity
€119,309 ▲ 20.7%
OWIL CONSTRUCT has made a profit in every financial year since 2022.
OWIL CONSTRUCT
Overview
Lifetime
4 annual accounts with figures on one time axispeak €74,978 (2024)
€54,575▼ 27.2%
peak €42,651 (2024)
€20,448▼ 52.1%
peak €119,309 (2025)
€119,309▲ 20.7%
€17,542▼ 33.1%
Board1 name since 2022
1 directorWILLAME Olivier
Documentsfilings and deeds
15-07-202616 days before the deadline
2025micro format
Gross margin from €74,978 to €54,575Result from €42,651 to €20,448Equity from €98,861 to €119,309Debts from €26,212 to €17,542Cash from €29,407 to €50,014
Key points
from the 2025 annual accountsTurnover
≈ €250,000 estimated
The micro format states no turnover.
Liquidity
4.14 was 2.39 in 2024
Short-term debts fell from €26,212 to €17,542.
Filings
4 annual accounts since 2022
The last four annual accounts were filed 1 to 97 days before the end of the period.
Starting capital
€3,600 3,600 shares
Position in the sector
87.2%
Higher solvency than 88% of companies in wholesale trade. Sector median 40.4% · 13,805 companies.
Checked score
92
Excellent
Financially stronger than 85% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.7%
01-2025: 0.7%● unchanged vs 12-2024
02-2025: 0.7%● unchanged vs 01-2025
03-2025: 0.7%● unchanged vs 02-2025
04-2025: 0.9%▲ +0.2 percentage points vs 03-2025
05-2025: 1.2%▲ +0.3 percentage points vs 04-2025
06-2025: 0.9%▼ -0.3 percentage points vs 05-2025
07-2025: 0.9%● unchanged vs 06-2025
08-2025: 0.7%▼ -0.2 percentage points vs 07-2025
09-2025: 0.7%● unchanged vs 08-2025
10-2025: 0.7%● unchanged vs 09-2025
11-2025: 0.7%● unchanged vs 10-2025
12-2025: 0.7%● unchanged vs 11-2025
01-2026: 0.7%● unchanged vs 12-2025
02-2026: 0.7%● unchanged vs 01-2026
03-2026: 0.7%● unchanged vs 02-2026
04-2026: 0.9%▲ +0.2 percentage points vs 03-2026
05-2026: 1.1%▲ +0.2 percentage points vs 04-2026
06-2026: 1.1%● unchanged vs 05-2026
07-2026: 1.2%▲ +0.1 percentage points vs 06-2026highest value
08-2026: 0.5%▼ -0.7 percentage points vs 07-2026
09-2026: 0.2%▼ -0.3 percentage points vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2021
Size: total assets €136,851
lowers risk
Liquidity: current ratio 4.14, cash €50,014
Equity €119,309 (87.2% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 90% of them on solvency, 92% on liquidity, 82% on profitability and 76% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as OWIL CONSTRUCT has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of OWIL CONSTRUCT itself is lower: 0.2% within 12 months. It rests on far more data about OWIL CONSTRUCT than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for OWIL CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €10,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.14 (2.39 in 2024), above the usual 1.5. Short-term debt is 12.8% and cash 36.5% of total assets. 12.8% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 days early
2024
1 day early
2023
97 days early
2022
33 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 37 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 7 July (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
WO
WILLAME Olivier
Director
- WILLAME Olivier Simone founderdeed of 20-10-2021
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0774913697
Board meeting of 19-03-2024
Gazette deed
Purpose change · Amendment of the articles
“Het verlenen van diensten, het bestuderen, adviseren, ontwerpen, organiseren en opvolgen van specifieke taken…” (deed in Dutch) · General meeting of 21-10-2021 · Gazette deed
Incorporation
Founder: WILLAME Olivier Simone · Registered office clause: Parklaan 28, 1780 Wemmel · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| OWIL CONSTRUCT Wemmel | €136,851 | €54,575 | 87.2% | - |
| ARCTIC LION Dilbeek | €116,203 | €53,191 | 5.8% | - |
| Online Invest Company Deerlijk | €133,523 | €53,647 | 17.1% | - |
| B&M AGENTS Schaerbeek | €129,574 | €48,501 | 52.9% | - |
| Mister Wong Antwerp | €152,973 | €48,013 | 56.3% | - |
| EASY MARKET Jette | €120,998 | €43,336 | 62.4% | - |
| JS Consulting Herselt | €112,707 | €47,689 | 79.0% | - |
These companies have the same main activity as OWIL CONSTRUCT: agents in non-specialised wholesale trade (NACE 46190). They are comparable in size and age: total assets between €113,000 and €153,000, founded between 2021 and 2022.
Official details
Source: KBO- Status
- Active since 01-10-2021Normal situation
- Activity
- Agents in non-specialised wholesale tradeNACE 46190
- Establishment unit
- 2.323.874.8271780 Wemmel, since 01-10-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 08-01-2026
Annual accounts 2025
- €54,575▼ 27.2%
- €20,448▼ 52.1%
- €119,309▲ 20.7%
- €136,851▲ 9.4%
- Filing
- Filed on 15-07-2026, 16 days before the end of the filing period
Insights on OWIL CONSTRUCT
OWIL CONSTRUCT files the micro format. That format states no turnover. The gross margin fell from €68,495 in 2022 to €54,575 in 2025.
The balance sheet grew most from 2023 to 2025 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 15-07-2026, 16 days before the deadline€54,575
▼ 27.2%
€33,416
▼ 45.8%
€20,448
▼ 52.1%
€55,091
▲ 51.5%
87.2%
▲ 8.1 percentage points
4.14
▲ 1.75
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €250,000. Estimated: probably between €130,000 and €590,000.
Balance sheet
balance sheet total €136,851 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
87.2%
Higher than 88% of 13,805 companies in 2025.
4.14
Higher than 78% of 13,186 companies in 2025.
14.9%
Higher than 77% of 13,365 companies in 2025.
OWIL CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in wholesale trade (NACE 46)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
136,851 | 125,073 | 98,750 | 69,624 | |
21/28 |
64,218 | 62,491 | 27,506 | 2,733 | |
22/27 |
63,918 | 62,191 | 27,206 | 2,433 | |
23 |
2,531 | 1,100 | 1,432 | - | |
24 |
46,637 | 42,723 | 25,774 | 2,433 | |
26 |
14,749 | 18,368 | - | - | |
28 |
300 | 300 | 300 | 300 | |
29/58 |
72,633 | 62,582 | 71,244 | 66,891 | |
40/41 |
20,509 | 32,269 | 27,652 | 4,354 | |
40 |
18,921 | 31,443 | 27,652 | 4,354 | |
41 |
1,588 | 826 | - | - | |
54/58 |
50,014 | 29,407 | 42,007 | 60,770 | |
490/1 |
2,109 | 906 | 1,585 | 1,766 | |
| Balance sheet: equity and liabilities | |||||
10/49 |
136,851 | 125,073 | 98,750 | 69,624 | |
10/15 |
119,309 | 98,861 | 56,210 | 45,798 | |
10/11 |
3,600 | 3,600 | 3,600 | 3,600 | |
14 |
115,709 | 95,261 | 52,610 | 42,198 | |
17/49 |
17,542 | 26,212 | 42,540 | 23,826 | |
42/48 |
17,542 | 26,212 | 42,540 | 23,826 | |
44 |
2,250 | 6,520 | 16,285 | 4,846 | |
440/4 |
2,250 | 6,520 | 16,285 | 4,846 | |
45 |
15,292 | 19,256 | 17,547 | 18,980 | |
450/3 |
15,292 | 19,256 | 17,547 | 18,980 | |
47/48 |
- | 437 | 8,707 | - | |
| Income statement | |||||
9900 |
54,575 | 74,978 | 42,029 | 68,495 | |
630 |
20,909 | 11,609 | 3,542 | 607 | |
640/8 |
250 | 1,721 | 7,033 | 11,794 | |
9901 |
33,416 | 61,648 | 31,454 | 56,094 | |
75/76B |
69 | - | - | 0 | |
75 |
69 | - | - | 0 | |
65/66B |
4,885 | 5,001 | 4,904 | 2,186 | |
65 |
4,873 | 5,001 | 4,904 | 2,186 | |
66B |
12 | - | - | - | |
9903 |
28,601 | 56,647 | 26,550 | 53,908 | |
67/77 |
8,153 | 13,996 | 6,138 | 11,710 | |
9904 |
20,448 | 42,651 | 20,412 | 42,198 | |
9905 |
20,448 | 42,651 | 20,412 | 42,198 | |
| Appropriation of the result | |||||
9906 |
115,709 | 95,261 | 62,610 | 42,198 | |
14P |
95,261 | 52,610 | 42,198 | - | |
694/7 |
- | - | 10,000 | - | |
694 |
- | - | 10,000 | - | |
| Document | |||||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 15-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| 54,325 | 73,257 | 34,996 | 56,701 | ||
| 41,357 | 54,259 | 23,954 | 42,805 | ||
| 22,648 | 46,593 | 45,215 | 52,951 | ||
| 20,607 | -12,599 | -18,764 | - | ||
| 55,091 | 36,370 | 28,704 | 43,065 | ||
| 87.2% | 79.0% | 56.9% | 65.8% | ||
| 4.14 | 2.39 | 1.67 | 2.81 | ||
| 0.15 | 0.27 | 0.76 | 0.52 | ||
| 17.1% | 43.1% | 36.3% | 92.1% | ||
| 14.9% | 34.1% | 20.7% | 60.6% | ||
| 11.15 | 14.65 | 7.14 | 25.94 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Tangible fixed assets | €22,648 | €46,593 | €45,215 | €52,651 |
| Financial fixed assets | - | - | - | €300 |
| €20,909 | €11,609 | €3,542 | €607 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on OWIL CONSTRUCT
The operating result for 2025 is 46% lower than in 2024.
Debt's share of the balance-sheet total falls from 21.0% to 12.8%. Equity is higher and debt is lower.
Board & ownership
Board
1 directorMandates through the years
1 name, the dashed line is todayWILLAME Olivier
Director
Director
Boardmandate already running before its first mention
Mandates as a list
- WILLAME Olivier
- Director, since before 31-12-2022
Control
Founder
WILLAME Olivier Simone
This company
OWIL CONSTRUCT
Equity €119,309
Profit €20,448 in 2025
Capital
- Contribution
- €3,600
- Shares
- 3,600
- Contribution per share
- €1
- Equity per share
- €33.14 in 2025
- Source
- deed of 05-10-2021
Shareholders
At incorporation
deed of 20-10-2021 ↗
- WILLAME Olivier Simone sole founder · 100% at incorporation
At incorporation
deed of 05-10-2021 ↗
- WILLAME Olivier Simone 3,600 shares (100%) · €3,600
Network & group
No group
OWIL CONSTRUCT has no parent and no holdings in its annual accounts. WILLAME Olivier is the only director. OWIL CONSTRUCT shares no director with another company.
Timeline
Timeline
13 events since 2021Filings
Financial
Establishments
Address
Other
202220242026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 16 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0774913697
2025
Equity above €100,000 equity €119,309 ▲20.7% With a profit in every financial year since 2022, equity grows to €119,309.
Annual accounts 2024 filed PDFmicro format · 1 day before the deadline
2024
Highest result from 2022 to 2025 net €42,651 ▲109% The operating result of €61,648 and the net result of €42,651 are both a record.
Board meeting of 19-03-20241 point ▸
- Board meeting, 19-03-2024
- The deed holds 1 more point.
Annual accounts 2023 filed PDFmicro format · 97 days before the deadline
2023
Weakest financial year net €20,412 ▼51.6% The net result drops to €20,412, the lowest from 2022 to 2025. It recovers the following year.
Annual accounts 2022 filed PDFmicro format · 33 days before the deadline
2021
Purpose change · Amendment of the articles“Het verlenen van diensten, het bestuderen, adviseren, ontwerpen, organiseren en opvolgen van specifieke taken…” (deed in Dutch) · General meeting of 21-10-20213 points ▸
- General meeting, 21-10-2021
- Purpose change, “Het verlenen van diensten, het bestuderen, adviseren, ontwerpen, organiseren en opvolgen van specifieke taken, menselijke relaties, technische strategie, IT…” (deed in Dutch)
- Power of attorney, Erik Struyf
- The deed holds 1 more point.
IncorporationFounder: WILLAME Olivier Simone · Registered office clause: Parklaan 28, 1780 Wemmel2 points ▸
- Founder, WILLAME Olivier Simone
- Registered office clause, Parklaan 28, 1780 Wemmel
- The deed holds 2 more points.
IncorporationFounding capital of €3,600, 3,600 shares · Founder: WILLAME Olivier Simone · published on 05-10-20212 points ▸
- Founder, WILLAME Olivier Simone
- Founding capital, €3,600, 3,600 shares
- The deed holds 2 more points.
First establishment J. Bruyndonckxstraat 174, Wemmel
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0774.913.697
- VAT number
- BE 0774.913.697
- Peppol ID
- 0208:0774913697
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 01-10-2021
- Financial year
- ends on 31 December
- Peppol
- Reachable since 08-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- OWIL CONSTRUCT in Dutch
- Entity type
- Legal entity
Activities
NACEBEL 202546190
Agents in non-specialised wholesale trade main activity
Codes under NACEBEL 2008
46190
Wholesale trade main activity
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| J. Bruyndonckxstraat 174 registered office 1780 Wemmel | 01-10-2021 | 2.323.874.827 |
Buildings and parcels at the address
- Ground area
- 9,581 m²
- Buildings
- 285 m²
- Volume, LiDAR
- 2,033 m³
- Tallest building
- 12.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 22005A0611/00F000 | 9,581 m² | 1 · 285 m² | 11.9 m · 2 |
Contact
E-mail
oliwil1982@gmail.com
Phone
+32 471 40 01 42