OZD
ActiveSummary
The annual accounts of OZD for fiscal year 2025 show a net loss of 77% of the equity at the start of that year. The 2025 annual accounts show equity of €19,304 and a net result of -€62,922. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 20% of 2202 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-88
Solvency36▼-29
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.0 against 1.54 in 2024; short-term debt: 89.2% and cash: 0.1% of total assets), and 89.2% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
10.8%
Return on assets
-35.2%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 2202 sector peers (2025).
NBB · sector comparisonPosition among 2202 sector peers
Solvency
better than 20%
← 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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
164 d early
2023
27 d early
2022
60 d early
2021
30 d early
2020
31 d late
2019
32 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 34 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
€371,441
EBIT margin
3.0%
Net result
-€62,922
2024 · €31,952
Working capital
€446▼ 99.3%
2024 · €67,443
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
Line20212022202320242025
Turnover
Operating result€3,405▼ 69.9%€16,126▲ 374%€11,724▼ 27.3%€40,406▲ 245%-€45,237
Net result€8,718▲ 3,726%€12,001▲ 37.7%€5,326▼ 55.6%€31,952▲ 500%-€62,922
EBIT margin
Equity€36,232▲ 31.7%€44,948▲ 24.1%€50,274▲ 11.8%€82,226▲ 63.6%€19,304▼ 76.5%
Total assets€132,132▲ 38.1%€144,975▲ 9.7%€135,267▼ 6.7%€206,029▲ 52.3%€178,836▼ 13.2%
Debt€95,900▲ 40.6%€100,027▲ 4.3%€84,993▼ 15.0%€123,803▲ 45.7%€159,532▲ 28.9%
Working capital€23,492▲ 3.1%€32,601▲ 38.8%€31,763▼ 2.6%€67,443▲ 112%€446▼ 99.3%
Staff (FTE)3.6▼ 12.2%3.6=4.3▲ 19.4%4.3=5.7▲ 32.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €45,237 after €40,406 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €178,836
Fixed assets
€18,858 ▲ 27.6%
Current assets
€159,977 ▼ 16.3%
Equity and liabilities €178,836
Equity
€19,304 ▼ 76.5%
Debt
€159,532 ▲ 28.9%
Debt's share of the balance-sheet total rises from 60.1% to 89.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€37,812▼
2024 · €50,444
Cash flow
-€55,497▼
2024 · €41,990
Current ratio
1.00▼
2024 · 1.54
Quick ratio
0.92▼
2024 · 1.42
Debt to equity
8.26▲
2024 · 1.51
ROE
-326.0%▼
2024 · 38.9%
ROA
-35.2%▼
2024 · 15.5%
Interest coverage
-6.61▼
2024 · 12.20
Debt ≤ 1 year
€159,532▲
2024 · €123,803
Income taxes
€12,158▲
2024 · €4,412
Staff costs
€240,148▲
2024 · €189,437
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,295 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 89% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
3.6%
went bankrupt
5.9%
stopped otherwise
89%
still going
A further 1.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,295 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | €364,429 | €403,558 | €405,853 | €496,132 | €401,775 | ▼ 19.0% |
| Remuneration, social security and pensions62 | €141,860 | €145,916 | €185,215 | €189,437 | €240,148 | ▲ 26.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,288 | €9,926 | €10,911 | €10,038 | €7,425 | ▼ 26.0% |
| Other operating charges640/8 | €4,705 | €1,619 | €3,107 | €3,542 | €9,451 | ▲ 167% |
| Non-recurring operating charges66A | - | - | - | - | €2,381 | - |
| Gross operating margin9900 | €161,259 | €173,587 | €210,957 | €243,423 | €214,168 | ▼ 12.0% |
| Operating profit (loss)9901 | €3,405 | €16,126 | €11,724 | €40,406 | -€45,237 | ▼ 212% |
| Financial income75/76B | €8,373 | €1,130 | €9 | €93 | €190 | ▲ 105% |
| Recurring financial income75 | €8,373 | €1,130 | €9 | €93 | €190 | ▲ 105% |
| Financial charges65/66B | €1,704 | €2,036 | €1,547 | €4,135 | €5,717 | ▲ 38.3% |
| Recurring financial charges65 | €1,704 | €2,036 | €1,547 | €4,135 | €5,717 | ▲ 38.3% |
| Profit (loss) for the period before taxes9903 | €10,074 | €15,221 | €10,186 | €36,363 | -€50,764 | ▼ 240% |
| Income taxes67/77 | €1,357 | €3,220 | €4,860 | €4,412 | €12,158 | ▲ 176% |
| Profit (loss) for the period9904 | €8,718 | €12,001 | €5,326 | €31,952 | -€62,922 | ▼ 297% |
| Profit (loss) for the period to be appropriated9905 | €8,718 | €12,001 | €5,326 | €31,952 | -€62,922 | ▼ 297% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €132,132 | €144,975 | €135,267 | €206,029 | €178,836 | ▼ 13.2% |
| Fixed assets21/28 | €26,674 | €18,422 | €18,511 | €14,783 | €18,858 | ▲ 27.6% |
| Tangible fixed assets22/27 | €26,674 | €18,422 | €13,511 | €14,783 | €18,858 | ▲ 27.6% |
| Plant, machinery and equipment23 | €13,323 | €9,962 | €5,362 | €10,945 | €9,811 | ▼ 10.4% |
| Furniture and vehicles24 | €13,351 | €8,460 | €8,150 | €3,838 | €9,047 | ▲ 136% |
| Financial fixed assets28 | - | - | €5,000 | - | - | - |
| Current assets29/58 | €105,458 | €126,552 | €116,755 | €191,246 | €159,977 | ▼ 16.3% |
| Stocks and contracts in progress3 | €47,753 | €26,850 | €16,125 | €15,918 | €13,816 | ▼ 13.2% |
| Stocks30/36 | €47,753 | €26,850 | €16,125 | €15,918 | €13,816 | ▼ 13.2% |
| Amounts receivable within one year40/41 | €30,619 | €92,309 | €99,419 | €165,870 | €145,245 | ▼ 12.4% |
| Trade receivables40 | €24,574 | €76,987 | €86,656 | €135,166 | €123,061 | ▼ 9.0% |
| Other amounts receivable41 | €6,045 | €15,322 | €12,763 | €30,704 | €22,184 | ▼ 27.7% |
| Current investments50/53 | €262 | €262 | €262 | €262 | - | - |
| Cash at bank and in hand54/58 | €24,386 | €4,055 | €203 | €9,195 | €262 | ▼ 97.2% |
| Deferred charges and accrued income490/1 | €2,438 | €3,077 | €746 | - | €654 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €132,132 | €144,975 | €135,267 | €206,029 | €178,836 | ▼ 13.2% |
| Equity10/15 | €36,232 | €44,948 | €50,274 | €82,226 | €19,304 | ▼ 76.5% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Issued capital100 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €17,632 | €26,348 | €31,674 | €63,626 | €63,626 | = |
| Distributable reserves133 | €17,632 | €26,348 | €31,674 | €63,626 | €63,626 | = |
| Profit (loss) carried forward14 | - | - | - | - | -€62,922 | - |
| Amounts payable17/49 | €95,900 | €100,027 | €84,993 | €123,803 | €159,532 | ▲ 28.9% |
| Amounts payable after more than one year17 | €13,934 | €6,075 | - | - | - | - |
| Financial debts170/4 | €13,934 | €6,075 | - | - | - | - |
| Amounts payable within one year42/48 | €81,966 | €93,952 | €84,993 | €123,803 | €159,532 | ▲ 28.9% |
| Current portion of amounts payable after more than one year42 | €9,742 | €7,859 | €6,075 | - | - | - |
| Financial debts43 | - | - | €3,235 | - | - | - |
| Credit institutions430/8 | - | - | €3,235 | - | - | - |
| Trade debts44 | €24,289 | €23,636 | €25,910 | €65,822 | €97,161 | ▲ 47.6% |
| Suppliers440/4 | €24,289 | €23,636 | €25,910 | €65,822 | €97,161 | ▲ 47.6% |
| Taxes, remuneration and social security45 | €9,798 | €12,716 | €4,807 | €12,280 | €10,310 | ▼ 16.0% |
| Taxes450/3 | €135 | €135 | €135 | €1,196 | €135 | ▼ 88.7% |
| Remuneration and social security454/9 | €9,663 | €12,581 | €4,672 | €11,084 | €10,175 | ▼ 8.2% |
| Other amounts payable47/48 | €38,137 | €49,740 | €44,967 | €45,701 | €52,060 | ▲ 13.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,718 | €12,001 | €5,326 | €31,952 | -€62,922 | ▼ 297% |
| + Depreciation and write-downs630 | €11,288 | €9,926 | €10,911 | €10,038 | €7,425 | ▼ 26.0% |
| Operating cash flow (approximation) | €20,006 | €21,927 | €16,237 | €41,990 | -€55,497 | ▼ 232% |
| Investment in fixed assets (approximation) | - | -€1,673 | -€11,000 | -€6,310 | -€11,501 | ▼ 82.3% |
| Change in cash | - | -€20,331 | -€3,852 | €8,993 | -€8,933 | ▼ 199% |
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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet -€62,922
Net result drops to -€62,922, the lowest in the series.
17-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €31,952 ▲500%
Operating result €40,406, net result €31,952, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €228
Net result €228 after one loss-making year.
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 32 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Liège · 1 establishment unit since 2012
Ground area
249 m²
Building footprint
128 m²
Volume, LiDAR
825 m³
Parcel 62113A0450/00W002, Wallonia · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
OZD
since 20122.210.396.012
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62113A0450/00W002 | Wallonia | 249 m² | 1 · 128 m² | 6.9 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.
Recognitions · licences · registrations
Recognised contractor
7 categoriesOZD SRL39212
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,042. 11,455 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
Founded15-06-2012
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
81220Other building cleaning and industrial cleaning
43310Plastering work
43320Joinery installation
43341Painting of buildings
43350Other building finishing work
43422Screed work
43990Other specialised construction activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0846623027
Also
9925:BE0846623027
Registered
08-12-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.