Özers
ActiveSummary
The computed 12-month bankruptcy probability of Özers is 1.7% (moderate). The 2024 annual accounts show equity of €10k and a net result of €-6k. Equity is shrinking by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 17% of 36375 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability59▲+59
Solvency39▼-22
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity ample (current ratio 1.78 against 1.9 in 2023; short-term debt: 49.3% and cash: 5.3% of total assets), but 85.8% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk
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
Specialised construction activities (NACE 43)
about 85% 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 2024Solvency, return and age of the figures
Solvency
14.2%
Return on assets
-8%
Age of the figures
21 mo
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 · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
2021222324
2020 to 2024 · latest year €-6k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 36375 sector peers (2024).
NBB · sector comparisonPosition among 36375 sector peers
Solvency
better than 17%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-11-2025, 116 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
116 d late
2023
479 d late
2022
79 d late
2021
338 d late
2020
256 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€10k▼ 36.0%
2023 · €16k
Total assets
€70k▲ 62.7%
2023 · €43k
Net result
€-6k▲ 70.4%
2023 · €-19k
Working capital
€27k▲ 40.9%
2023 · €19k
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
Line20202021202220232024
Operating result€907-€12k▲ 1,255%€17k▲ 36.2%€-18k€-4k▲ 79.7%
Net result€-824-€8k€12k▲ 55.5%€-19k€-6k▲ 70.4%
Equity€15k-€23k▲ 49.3%€34k▲ 51.4%€16k▼ 54.8%€10k▼ 36.0%
Total assets€73k-€74k▲ 1.8%€81k▲ 9.5%€43k▼ 47.0%€70k▲ 62.7%
Debt€58k-€51k▼ 10.8%€47k▼ 9.0%€27k▼ 41.2%€60k▲ 119%
Working capital€12k-€23k▲ 95.7%€37k▲ 62.8%€19k▼ 48.0%€27k▲ 40.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2024 against €18k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €70k
Fixed assets
€9k ▲ 213%
Current assets
€61k ▲ 52.4%
Equity and liabilities €70k
Equity
€10k ▼ 36.0%
Debt
€60k ▲ 119%
Debt's share of the balance-sheet total rises from 63.8% to 85.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€22k▲
2023 · €-11k
Cash flow
€20k▲
2023 · €-12k
Current ratio
1.78▼
2023 · 1.90
Debt to equity
6.03▲
2023 · 1.77
ROE
-56.3%▲
2023 · -121.5%
ROA
-8.0%▲
2023 · -43.9%
Interest coverage
13.97▲
2023 · -13.74
Debt ≤ 1 year
€35k▲
2023 · €21k
Debt > 1 year
€19k
Income taxes
€2k▲
2023 · €919
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €2k | - | - | - | €3k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11k | €13k | €13k | €7k | €25k | ▲ 255% |
| Other operating charges640/8 | €3k | €5k | €2k | €3k | €1k | ▼ 61.5% |
| Gross operating margin9900 | €15k | €31k | €32k | €-8k | €23k | ▲ 374% |
| Operating profit (loss)9901 | €907 | €12k | €17k | €-18k | €-4k | ▲ 79.7% |
| Financial income75/76B | €222 | €479 | €1k | €1k | €2k | ▲ 31.5% |
| Recurring financial income75 | €222 | €479 | €1k | €1k | €2k | ▲ 31.5% |
| Financial charges65/66B | €1k | €1k | €2k | €821 | €2k | ▲ 87.7% |
| Recurring financial charges65 | €1k | €1k | €2k | €821 | €2k | ▲ 87.7% |
| Profit (loss) for the period before taxes9903 | €-324 | €11k | €17k | €-18k | €-4k | ▲ 79.7% |
| Income taxes67/77 | €500 | €4k | €5k | €919 | €2k | ▲ 113% |
| Profit (loss) for the period9904 | €-824 | €8k | €12k | €-19k | €-6k | ▲ 70.4% |
| Profit (loss) for the period to be appropriated9905 | €-824 | €8k | €12k | €-19k | €-6k | ▲ 70.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €73k | €74k | €81k | €43k | €70k | ▲ 62.7% |
| Fixed assets21/28 | €36k | €22k | €10k | €3k | €9k | ▲ 213% |
| Tangible fixed assets22/27 | €36k | €22k | €10k | €3k | €9k | ▲ 213% |
| Plant, machinery and equipment23 | €750 | €525 | €724 | €694 | €574 | ▼ 17.2% |
| Furniture and vehicles24 | €19k | €10k | €2k | - | €8k | - |
| Leasing and similar rights25 | €16k | €11k | €7k | €2k | - | - |
| Current assets29/58 | €37k | €52k | €72k | €40k | €61k | ▲ 52.4% |
| Amounts receivable within one year40/41 | €21k | €34k | €39k | €33k | €57k | ▲ 72.3% |
| Trade receivables40 | €19k | €14k | €10k | €10k | €20k | ▲ 92.6% |
| Other amounts receivable41 | €2k | €20k | €29k | €23k | €37k | ▲ 63.0% |
| Cash at bank and in hand54/58 | €14k | €16k | €31k | €6k | €4k | ▼ 36.4% |
| Deferred charges and accrued income490/1 | €2k | €1k | €1k | €2k | €1k | ▼ 32.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €73k | €74k | €81k | €43k | €70k | ▲ 62.7% |
| Equity10/15 | €15k | €23k | €34k | €16k | €10k | ▼ 36.0% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €2k | - | - | - |
| Distributable reserves133 | - | - | - | €2k | €2k | = |
| Profit (loss) carried forward14 | €7k | €15k | €26k | €7k | €2k | ▼ 74.7% |
| Amounts payable17/49 | €58k | €51k | €47k | €27k | €60k | ▲ 119% |
| Amounts payable after more than one year17 | €26k | €15k | €6k | - | €19k | - |
| Financial debts170/4 | €26k | €15k | €6k | - | €19k | - |
| Amounts payable within one year42/48 | €26k | €29k | €35k | €21k | €35k | ▲ 62.7% |
| Current portion of amounts payable after more than one year42 | €10k | €10k | €10k | €5k | €8k | ▲ 65.2% |
| Trade debts44 | €2k | €15k | €13k | €7k | €18k | ▲ 141% |
| Suppliers440/4 | €2k | €15k | €13k | €7k | €18k | ▲ 141% |
| Advances received on contracts in progress46 | €3k | €3k | - | - | - | - |
| Taxes, remuneration and social security45 | €9k | €697 | €11k | €9k | €9k | ▼ 3.5% |
| Taxes450/3 | €6k | €697 | €6k | €9k | €9k | ▼ 3.5% |
| Remuneration and social security454/9 | €3k | - | €5k | - | - | - |
| Other amounts payable47/48 | €2k | - | - | - | - | - |
| Accrued charges and deferred income492/3 | €6k | €7k | €6k | €6k | €6k | = |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-824 | €8k | €12k | €-19k | €-6k | ▲ 70.4% |
| + Depreciation and write-downs630 | €11k | €13k | €13k | €7k | €25k | ▲ 255% |
| Operating cash flow (approximation) | €10k | €21k | €25k | €-12k | €20k | ▲ 267% |
| Investment in fixed assets (approximation) | - | €0 | €-349 | €-317 | €-31k | ▼ 9,725% |
| Change in cash | - | €2k | €15k | €-25k | €-2k | ▲ 91.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
2025
24-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 116 days late
22-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 479 days late
2023
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
18-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 79 days late
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 338 days late
2022
31-12
Financial
Highest result since 2020net €12k ▲55.5%
Operating result €17k, net result €12k, both a record.
13-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 256 days late
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Hamme (Vl.) · 1 establishment unit since 2018
Ground area
346 m²
Building footprint
98 m²
Volume, LiDAR
446 m³
Parcel 42014B0558/00R000, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Özers
since 20182.279.339.652
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42014B0558/00R000 | Flanders | 346 m² | 1 · 97 m² | 6.4 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.
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Of 3,959 companies in sector 43331 we hold annual accounts for 1,787. 1,075 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
Founded24-04-2018
Fiscal year end31-12
Activities, NACEBEL 2025
43331Floor and wall tiling
47523Retail trade
Scores and ratios are computed by Checked and are not a credit decision.