Owl Construct
ActiveThe computed 12-month bankruptcy probability of Owl Construct is 3.1% (moderate). The 2025 annual accounts show equity of €7k and a net result of €92k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 7321 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
68
/ 100
Healthy▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency15▼-1
Growth78=
Stability100
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.03 against 1.01 in 2024), and 95.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 41
Relative position
BE, all sectors
reference
Sector 41
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
4.1%
Return on assets
50.8%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 7321 sector peers (2025).
NBB · sector comparisonPosition among 7321 sector peers
Solvency
better than 14%
← weakest
strongest →
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 17-07-2026, 14 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
14 d early
2024
11 d early
2023
17 d early
2022
13 d early
2021
22 d early
2020
26 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€7k
EBIT margin
-559.9%
Net result
€92k▼ 10.4%
2024 · €103k
2020: €-29k
2021: €-40k
2022: €-15k
2023: €-9k
2024: €103k
2020 → 2025
Working capital
€6k▲ 614%
2024 · €808
2020: €-31k
2021: €-83k
2022: €-94k
2023: €-98k
2024: €808
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€7k-
Equity€-64k-€-79k▼ 23.9%€-88k▼ 10.8%€5k€7k▲ 47.2%
Operating result€-39k-€-15k▲ 61.8%€-8k▲ 44.4%€139k€125k▼ 10.5%
Net result€-40k-€-15k▲ 61.4%€-9k▲ 43.8%€103k€92k▼ 10.4%
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 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €182k
Fixed assets
€2k▼ 60.3%
Current assets
€180k▲ 181%
Equity and liabilities €182k
Equity
€7k▲ 47.2%
Debt
€174k▲ 175%
The debt ratio rises from 92.6% to 95.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€127k▼
2024 · €143k
Cash flow
€95k▼
2024 · €107k
Solvency
4.1%▼
2024 · 7.4%
Current ratio
1.03▲
2024 · 1.01
Quick ratio
1.03▲
2024 · 1.01
Debt / equity
23.37▲
2024 · 12.50
ROA
50.8%▼
2024 · 150.9%
Interest coverage
140.87▼
2024 · 516.53
Debt
€174k▲
2024 · €63k
Debt ≤ 1 year
€174k▲
2024 · €63k
Income taxes
€33k▼
2024 · €36k
A ratio outside any meaningful range has been withheld (balance sheet total €182k, equity €7k).
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€68k€182k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€4k€2k▼
Current assets29/58€64k€180k▲
Amounts receivable within one year40/41€46k€171k▲
Trade receivables40€32k€24k▼
Other amounts receivable41€14k€147k▲
Cash at bank and in hand54/58€19k€9k▼
Equity and liabilities
Total equity and liabilities10/49€68k€182k▲
Equity10/15€5k€7k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€66€2k▲
Amounts payable17/49€63k€174k▲
Amounts payable within one year42/48€63k€174k▲
Trade debts44€17k€30k▲
Suppliers440/4€17k€30k▲
Taxes, remuneration and social security45€36k€54k▲
Taxes450/3€36k€54k▲
Other amounts payable47/48€10k€90k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€999€3k▲
Gross operating margin9900€144k€130k▼
Operating profit (loss)9901€139k€125k▼
Financial income75/76B€0€2k▲
Recurring financial income75€0€2k▲
Financial charges65/66B€277€904▲
Recurring financial charges65€277€904▲
Profit (loss) for the period before taxes9903€139k€125k▼
Income taxes67/77€36k€33k▼
Profit (loss) for the period9904€103k€92k▼
Profit (loss) for the period to be appropriated9905€103k€92k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€92k▲
Profit (loss) brought forward from the previous period14P€-93k€66▲
Profit to be distributed694/7€10k€90k▲
Return on contributions (dividend)694€10k€90k▲
The notes to these accounts (5 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €103k
Net result €103k after 4 loss-making years.
31-12
Financial
Liquidity times 147current ratio 1.01
Current ratio from 0.01 to 1.01; short-term debt falls from €99k to €63k.
14-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-40k
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Sint-Jans-Molenbeek · 1 establishment unit since 2019
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.
Vrijheidslaan 1751080 Sint-Jans-MolenbeekGround area
437 m²
Building footprint
346 m²
Volume, LiDAR
3,183 m³
2 parcels, Brussels, Flanders · tallest building 18.8 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Koki
since 20192.295.013.367
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21526D0069/02A005 | Brussels | 310 m² | 1 · 243 m² | 10.9 m · 2 fl. |
| 11811L3740/00V000 | Flanders | 128 m² | 1 · 103 m² | 18.8 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 7,998 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-10-2019
Fiscal year end31-12
Activities, NACEBEL
10720Manufacture of food products
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:Kokiantwerp@gmail.com