Equity
€18,989 ▼ 53.0%
OWY-TECHNIC paid out €30,000 in dividends. That is 349% of the 2025 profit.
OWY-TECHNIC
Overview
Lifetime
5 annual accounts with figures on one time axispeak €40,124 (2022)
€29,608▲ 162%
lowest -€9,816 (2024)
€8,587▲ €18,403
peak €58,260 (2022)
€18,989▼ 53.0%
€71,699▲ 47.4%
Board1 name since 2020
1 directorGavreliuc Ovidiu
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €11,284 to €29,608Back to profit: €8,587Dividend €30,000Equity from €40,402 to €18,989Debts from €48,636 to €71,699
Key points
from the 2025 annual accountsTurnover
≈ €210,000 estimated
The micro format states no turnover.
Debts
€71,699 79% of the balance sheet
Financial debts 23%Suppliers 9%Taxes and wages 11%Other 58%
Of this, €55,549 falls due within a year.
Liquidity
1.10 was 2.03 in 2024
Short-term debts rose from €22,408 to €55,549.
Filings
5 annual accounts 4 late
The 2021 accounts came latest: 88 days after the end of the period.
Starting capital
€3,000 300 shares
Checked score
36
Weak
Financially stronger than 29% of micro companies in construction of buildings (NACE 41)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
5.1% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 6.9%
01-2025: 6.9%● unchanged vs 12-2024
02-2025: 7.1%▲ +0.2 percentage points vs 01-2025
03-2025: 7.2%▲ +0.1 percentage points vs 02-2025highest value
04-2025: 7.2%● unchanged vs 03-2025
05-2025: 7.0%▼ -0.2 percentage points vs 04-2025
06-2025: 7.0%● unchanged vs 05-2025
07-2025: 7.0%● unchanged vs 06-2025
08-2025: 5.8%▼ -1.2 percentage points vs 07-2025
09-2025: 5.8%● unchanged vs 08-2025
10-2025: 5.7%▼ -0.1 percentage points vs 09-2025
11-2025: 5.7%● unchanged vs 10-2025
12-2025: 5.8%▲ +0.1 percentage points vs 11-2025
01-2026: 5.5%▼ -0.3 percentage points vs 12-2025
02-2026: 5.5%● unchanged vs 01-2026
03-2026: 5.6%▲ +0.1 percentage points vs 02-2026
04-2026: 5.6%● unchanged vs 03-2026
05-2026: 5.5%▼ -0.1 percentage points vs 04-2026
06-2026: 5.5%● unchanged vs 05-2026
07-2026: 5.3%▼ -0.2 percentage points vs 06-2026
08-2026: 6.0%▲ +0.7 percentage points vs 07-2026
09-2026: 5.1%▼ -0.9 percentage points vs 08-2026lowest value
10-2026: 5.1%● unchanged vs 09-2026lowest value
11-2026: 5.1%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Founded in 2020
Last filed accounts filed 31 days late; 2 of the last 3 accounts late
Size: total assets €90,688
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 41, micro). It does better than 28% of them on solvency, 16% on liquidity, 62% on profitability and 10% on growth.
The bankruptcy probability was computed on 08-11-2026 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 elevated class on 30-06-2025, 6.3% 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, 6,713 companies had the same profile as OWY-TECHNIC has now. Each dot stands for 17 companies, two years later.
95.8%
were still trading
2.2%
stopped another way
1.8%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of OWY-TECHNIC itself is higher: 5.1% within 12 months. It rests on far more data about OWY-TECHNIC 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 6,713 companies, not a prediction for OWY-TECHNIC. 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 €500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is tight, with a current ratio of 1.1 (2.03 in 2024), below the usual 1.5. Short-term debt is 61.3% and cash 1.4% of total assets. 79.1% 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.
raises risk
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filingsDeviation from the deadline
2025
31 days late
2024
24 days early
2023
41 days late
2022
84 days late
2021
88 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 44 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% 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 11 September (4 of the last 5 accounts filed within 46 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0754862908
Incorporation
Founding capital of €3,000, 300 shares · Founder: Gavreliuc Ovidiu · Appointment: Gavreliuc Ovidiu (director) · published on 28-09-2020 · Gazette deed
First establishment
Hollestraat 42, Pajottegem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| OWY-TECHNIC Pajottegem | €90,688 | €29,608 | 20.9% | - |
| BOTIZ CONSTRUCT Dilbeek | €90,585 | €29,208 | 51.0% | - |
| IACC Wemmel | €93,042 | €28,152 | 67.6% | - |
| TMC COMPANY Wemmel | €93,503 | €29,788 | 80.6% | - |
| GARCIA CONSTRUCT Wezembeek-Oppem | €87,983 | €28,627 | 52.6% | - |
| AMENO Tienen | €84,520 | €29,380 | 50.6% | - |
| MRZ GENERAL CONSTRUCT Grimbergen | €92,712 | €28,303 | 62.9% | - |
These companies have the same main activity as OWY-TECHNIC: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €84,500 and €93,500, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 24-09-2020Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 2 others
- Establishment unit
- 2.309.208.4271570 Pajottegem, since 24-09-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 12-12-2025
Annual accounts 2025
- €29,608▲ 162%
- €8,587
- €18,989▼ 53.0%
- €90,688▲ 1.9%
- Filing
- Filed on 31-08-2026
Insights on OWY-TECHNIC
OWY-TECHNIC files the micro format. That format states no turnover. The gross margin fell from €39,057 in 2021 to €29,608 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 31-08-2026, 31 days late€29,608
▲ 162%
€12,748
▲ €18,713
€8,587
▲ €18,403
€5,665
▼ 75.5%
20.9%
▼ 24.4 percentage points
1.10
▼ 0.93
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 ≈ €210,000. Estimated: probably between €110,000 and €370,000.
Balance sheet
balance sheet total €90,688 on 31-12-2025What the company ownsHow it is paid for
in euro
Position in the sector
20.9%
Higher than 27% of 9,452 companies in 2025.
1.10
Higher than 27% of 9,200 companies in 2025.
9.5%
Higher than 57% of 9,272 companies in 2025.
OWY-TECHNIC
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
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 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||
20/58 |
90,688 | 89,038 | 120,987 | 93,277 | 97,619 | |
21/28 |
29,474 | 43,497 | 52,247 | 9,748 | - | |
22/27 |
29,474 | 43,497 | 52,247 | 9,748 | - | |
24 |
29,474 | 43,497 | 52,247 | 9,748 | - | |
29/58 |
61,214 | 45,540 | 68,740 | 83,529 | 97,619 | |
3 |
0 | 4,202 | 5,000 | - | - | |
37 |
0 | 4,202 | 5,000 | - | - | |
40/41 |
58,464 | 38,131 | 62,591 | 83,044 | 94,266 | |
40 |
56,488 | 35,084 | 60,947 | 79,718 | 91,494 | |
41 |
1,976 | 3,047 | 1,644 | 3,326 | 2,772 | |
54/58 |
1,283 | - | - | - | 3,353 | |
490/1 |
1,467 | 3,207 | 1,149 | 485 | - | |
| Balance sheet: equity and liabilities | ||||||
10/49 |
90,688 | 89,038 | 120,987 | 93,277 | 97,619 | |
10/15 |
18,989 | 40,402 | 50,217 | 58,260 | 31,971 | |
10/11 |
3,000 | 3,000 | 3,000 | 3,000 | 3,000 | |
14 |
15,989 | 37,402 | 47,217 | 55,260 | 28,971 | |
17/49 |
71,699 | 48,636 | 70,770 | 35,017 | 65,648 | |
17 |
16,150 | 26,228 | 30,356 | 1,741 | - | |
170/4 |
16,150 | 26,228 | 30,356 | 1,741 | - | |
42/48 |
55,549 | 22,408 | 40,414 | 33,275 | 65,648 | |
42 |
10,079 | 9,427 | 9,134 | 2,881 | - | |
43 |
0 | 3,812 | 5,074 | 2,496 | - | |
430/8 |
0 | 3,812 | 5,074 | 2,496 | - | |
44 |
6,222 | 6,827 | 17,584 | 3,722 | 4,336 | |
440/4 |
6,222 | 6,827 | 17,584 | 3,722 | 4,336 | |
46 |
1,360 | - | - | - | 47,510 | |
45 |
8,019 | 2,342 | 7,849 | 14,574 | 7,730 | |
450/3 |
8,019 | 2,342 | 7,849 | 14,574 | 7,730 | |
47/48 |
29,870 | - | 773 | 9,601 | 6,072 | |
| Income statement | ||||||
9900 |
29,608 | 11,284 | 7,895 | 40,124 | 39,057 | |
630 |
14,023 | 15,002 | 12,750 | 4,962 | 1,045 | |
640/8 |
2,836 | 2,247 | 806 | 619 | 695 | |
9901 |
12,748 | -5,965 | -5,661 | 34,542 | 37,317 | |
75/76B |
0 | 11 | - | 1 | 24 | |
75 |
0 | 11 | - | 1 | 24 | |
65/66B |
2,676 | 3,184 | 2,065 | 610 | 81 | |
65 |
2,676 | 3,184 | 2,065 | 610 | 81 | |
9903 |
10,072 | -9,139 | -7,726 | 33,934 | 37,261 | |
67/77 |
1,485 | 677 | 317 | 6,845 | 7,490 | |
9904 |
8,587 | -9,816 | -8,043 | 27,089 | 29,771 | |
9905 |
8,587 | -9,816 | -8,043 | 27,089 | 29,771 | |
| Appropriation of the result | ||||||
9906 |
45,989 | 37,402 | 47,217 | 56,060 | 29,771 | |
14P |
37,402 | 47,217 | 55,260 | 28,971 | - | |
694/7 |
30,000 | - | - | 800 | 800 | |
694 |
30,000 | - | - | 800 | 800 | |
| Document | ||||||
The notes to these accounts have 9 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 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00492324.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00492324 | |
| 31-12-2024 | micro format | 07-07-2025 | 2025-00242008 | |
| 31-12-2023 | micro format | 10-09-2024 | 2024-00457759 | |
| 31-12-2022 | micro format | 23-10-2023 | 2023-00493511 | |
| 31-12-2021 | micro format | 27-10-2022 | 2022-20477734 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| 26,771 | 9,037 | 7,089 | 39,505 | 38,362 | ||
| 22,611 | 5,187 | 4,708 | 32,051 | 30,816 | ||
| 0 | 6,252 | 55,250 | 14,710 | - | ||
| 5,665 | 23,133 | 28,326 | 50,254 | 31,971 | ||
| 20.9% | 45.4% | 41.5% | 62.5% | 32.8% | ||
| 1.10 | 2.03 | 1.70 | 2.51 | 1.49 | ||
| 1.10 | 1.84 | 1.58 | 2.51 | 1.49 | ||
| 3.78 | 1.20 | 1.41 | 0.60 | 2.05 | ||
| 45.2% | -24.3% | -16.0% | 46.5% | 93.1% | ||
| 9.5% | -11.0% | -6.6% | 29.0% | 30.5% | ||
| 10.01 | 2.84 | 3.43 | 64.77 | over 100 |
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 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | €6,252 | €55,250 | €14,710 | - |
| Financial fixed assets | €0 | - | - | - | - |
| €14,023 | €15,002 | €12,750 | €4,962 | €1,045 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Insights on OWY-TECHNIC
The operating result for 2025 is a profit of €12,748, after a loss of €5,965 in 2024. It is the highest result since 2022.
Debt's share of the balance-sheet total rises from 54.6% to 79.1%. Equity is lower and debt is higher.
Board & ownership
Board
1 director, since incorporationDirector
since 24-09-2020
term without a fixed end
listed in the 2025 annual accounts, filed on 31-08-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “roerende, onroerende, industriële of financiële aard, welke rechtstreeks of onrechtstreeks, geheel of gedeeltelijk in verband staan met het…”deed of 28-09-2020
Mandates through the years
1 name, the dashed line is todayGavreliuc Ovidiu
Director
Director
Board
Mandates as a list
- Gavreliuc Ovidiu
- Director, from 24-09-2020 to date
Control
Founder
Gavreliuc Ovidiu
This company
OWY-TECHNIC
Equity €18,989
Profit €8,587 in 2025
Capital
- Contribution
- €3,000
- Shares
- 300
- Contribution per share
- €10
- Equity per share
- €63.30 in 2025
- Source
- deed of 28-09-2020
Articles of association
deed of 28-09-2020 (in Dutch)- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Tuesday of June
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 28-09-2020 ↗
- Gavreliuc Ovidiu 300 shares (100%) · €3,000
Network & group
No group
OWY-TECHNIC has no parent and no holdings in its annual accounts. Gavreliuc Ovidiu is the only director. OWY-TECHNIC shares no director with another company.
At the same address
Hollestraat 42, 1570 Pajottegem · 1 other company| Gavreliuc, Ovidiu (sole trader)
establishment since 01-10-2006 |
founded in 2006 0882.086.920 |
Timeline
Timeline
10 events since 2020Filings
Financial
Establishments
2020202220242026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 31 days late
2025
Back to profit net €8,587 The net result is €8,587, after 2 loss-making years.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0754862908
Annual accounts 2024 filed PDFmicro format · 24 days before the deadline
2024
Weakest financial year net -€9,816 The net result drops to -€9,816, the lowest from 2021 to 2025. It recovers the following year.
Annual accounts 2023 filed PDFmicro format · 41 days late
2023
Annual accounts 2022 filed PDFmicro format · 84 days late
2022
Annual accounts 2021 filed PDFmicro format · 88 days late
2020
IncorporationFounding capital of €3,000, 300 shares · Founder: Gavreliuc Ovidiu · Appointment: Gavreliuc Ovidiu (director) · published on 28-09-20204 points ▸
- Founder, Gavreliuc Ovidiu
- Founding capital, €3,000, 300 shares
- Registered office clause, Hollestraat 42, 1570 Tollembeek
- Director appointment, Gavreliuc Ovidiu
- The deed holds 7 more points.
First establishment Hollestraat 42, Pajottegem
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
- 0754.862.908
- VAT number
- BE 0754.862.908
- Peppol ID
- 0208:0754862908
- Other Peppol ID
- 9925:BE0754862908
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 24-09-2020
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Tuesday of Junedeed of 28-09-2020 (in Dutch)
- Peppol
- Reachable since 12-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- OWY-TECHNIC in Dutch
- Entity type
- Legal entity
Activities
NACEBEL 202541001
General construction of residential buildings main activity
43310
Plastering work
43410
Roofing work
Codes under NACEBEL 2008
41201
General construction of buildings main activity
43310
Plastering work
43910
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Algemeen aannemer; Ruwbouwwerken; Stukadoor, cementeer en vloeractiviteiten; Dakwerken; Aannemer airco en warmtepompen; Airco-technieker…”deed of 28-09-2020 (in Dutch)
22 activities
- Algemeen aannemer
- Ruwbouwwerken
- Stukadoor, cementeer en vloeractiviteiten
- Dakwerken
- Aannemer airco en warmtepompen
- Airco-technieker
- Installateur centrale verwarming
- Plaatsing van koelinstallaties
- Algemene bouwwerken
- Algemene schrijnwerkerij
- Klusjesman
- Houtindustrie en vervaardigen van artikelen van hout en kurk
- Zagen en schaven van hout
- Vervaardigen van meubels
- Gespecialiseerde bouwwerkzaamheden
- Slopen
- Elektrische installaties en electriciteitswerken
- Afwerken van gebouwen, stukadoor en schrijnwerk
- Vloerafwerking en behang
- Schilderen
- Overige werkzaamheden i.v.m. de afwerking van gebouwen
- Overige gespecialiseerde bouwactiviteiten
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Hollestraat 42 registered office 1570 Pajottegem 43110 Demolition | 24-09-2020 | 2.309.208.427 |
Buildings and parcels at the address
- Ground area
- 504 m²
- Buildings
- 79 m²
- Volume, LiDAR
- 471 m³
- Tallest building
- 8.2 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23087B0787/00R000 | 504 m² | 1 · 79 m² | 8.2 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0754.862.908