OZ-NUR
ActiveThe computed 12-month bankruptcy probability of OZ-NUR is 2.0% (moderate). The 2025 annual accounts show equity of €28k and a net result of €5k. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 27787 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+77
Solvency100=
Growth35=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 12.22 against 4.24 in 2024; short-term debt: 8% and cash: 52.4% of total assets), and 8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
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
92%
Return on assets
17.5%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
25 d early
2024
32 d late
2023
20 d early
2022
51 d late
2021
79 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
€96k▲ 5.6%
2024 · €90k
2021: €178k
2022: €149k
2024: €90k
2021 → 2025
EBIT margin
6.5%▲ 15.9pp
2024 · -9.4%
2021: 7.8%
2022: 11.1%
2024: -9.4%
2021 → 2025
Net result
€5k
2024 · €-9k
2021: €10k
2022: €13k
2023: €4k
2024: €-9k
2021 → 2025
Working capital
€27k▲ 31.4%
2024 · €21k
2021: €10k
2022: €23k
2023: €29k
2024: €21k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€178k-€149k▼ 16.3%€90k€96k▲ 5.6%
Equity€15k-€28k▲ 85.6%€32k▲ 15.4%€23k▼ 29.1%€28k▲ 23.5%
Operating result€14k-€17k▲ 19.6%€8k▼ 54.5%€-8k€6k
Net result€10k-€13k▲ 28.7%€4k▼ 66.7%€-9k€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €30k
Fixed assets
€661▼ 64.6%
Current assets
€30k▲ 9.4%
Equity and liabilities €30k
Equity
€28k▲ 23.5%
Debt
€2k▼ 62.0%
The debt ratio falls from 22.1% to 8.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7k▲
2024 · €-7k
Cash flow
€7k▲
2024 · €-8k
Solvency
92.0%▲
2024 · 77.9%
Current ratio
12.22▲
2024 · 4.24
Quick ratio
12.22▲
2024 · 4.24
Debt / equity
0.09▼
2024 · 0.28
ROE
19.0%▲
2024 · -41.0%
ROA
17.5%▲
2024 · -32.0%
Interest coverage
15.61▲
2024 · -10.23
Debt
€2k▼
2024 · €6k
Debt ≤ 1 year
€2k▼
2024 · €6k
Income taxes
€607▲
2024 · €140
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€29k€30k▲
Fixed assets21/28€2k€661▼
Tangible fixed assets22/27€2k€661▼
Furniture and vehicles24€2k€661▼
Current assets29/58€27k€30k▲
Amounts receivable within one year40/41€15k€14k▼
Trade receivables40€13k€5k▼
Other amounts receivable41€2k€8k▲
Cash at bank and in hand54/58€12k€16k▲
Equity and liabilities
Total equity and liabilities10/49€29k€30k▲
Equity10/15€23k€28k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€18k€23k▲
Amounts payable17/49€6k€2k▼
Amounts payable within one year42/48€6k€2k▼
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€1k€1k▼
Taxes450/3€1k€607▼
Remuneration and social security454/9-€510
Other amounts payable47/48€1k-
Income statement
Code20242025
Turnover70€90k€96k▲
Goods, raw materials, services and sundry goods60/61€101k€93k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€-5k€9k▲
Operating profit (loss)9901€-8k€6k▲
Financial income75/76B-€197
Recurring financial income75-€197
Financial charges65/66B€684€476▼
Recurring financial charges65€684€476▼
Profit (loss) for the period before taxes9903€-9k€6k▲
Income taxes67/77€140€607▲
Profit (loss) for the period9904€-9k€5k▲
Profit (loss) for the period to be appropriated9905€-9k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€23k▲
Profit (loss) brought forward from the previous period14P€27k€18k▼
The notes to these accounts (4 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 12.22
Current ratio from 4.24 to 12.22; short-term debt falls from €6k to €2k.
01-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 32 days late
2024
31-12
Financial
Weakest financial yearnet €-9k ▼318%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 13.66
Current ratio from 4.29 to 13.66; short-term debt falls from €7k to €2k.
20-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 51 days late
2022
31-12
Financial
Highest result since 2021net €13k ▲28.7%
Operating result €17k, net result €13k, both a record.
13-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Vilvoorde · 1 establishment unit since 2021
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.
Leuvensesteenweg 1591800 VilvoordeGround area
185 m²
Building footprint
99 m²
Volume, LiDAR
676 m³
Parcel 23644H0004/00Z000, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OZ NUR
since 20212.313.009.342
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23644H0004/00Z000 | Flanders | 185 m² | 1 · 98 m² | 11.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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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Of 1,365 companies in sector 43110 we hold annual accounts for 632. 423 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-2021
Fiscal year end31-12
Activities, NACEBEL
43110Demolition
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.