Ozver Group
ActiveSummary
The computed 12-month bankruptcy probability of Ozver Group is 2.7% (moderate). The annual accounts of Ozver Group for fiscal year 2025 show a net loss of 53% of total assets and of 97% of the equity at the start of that year. The 2025 annual accounts show equity of €2k and a net result of €-49k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 13% of 7453 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
34
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-45
Solvency27▼-38
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit 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 ample (current ratio 1.76 against 5.58 in 2024; short-term debt: 51.8% of total assets), but 98.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 →
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
1.8%
Return on assets
-52.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 7453 sector peers (2025).
NBB · sector comparisonPosition among 7453 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
19 d late
2024
28 d late
2023
97 d late
2022
290 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▼ 96.7%
2024 · €51k
2022: €28k
2023: €47k
2024: €51k
2022 → 2025
Total assets
€93k▼ 26.0%
2024 · €126k
2022: €48k
2023: €70k
2024: €126k
2022 → 2025
Net result
€-49k
2024 · €4k
2022: €26k
2023: €19k
2024: €4k
2022 → 2025
Working capital
€37k▼ 61.6%
2024 · €96k
2022: €25k
2023: €46k
2024: €96k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€28k-€47k▲ 66.1%€51k▲ 8.1%€2k▼ 96.7%
Operating result€32k-€22k▼ 32.2%€3k▼ 84.7%€-47k
Net result€26k-€19k▼ 28.8%€4k▼ 79.7%€-49k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €47k after €3k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €93k
Fixed assets
€8k ▼ 15.8%
Current assets
€85k ▼ 26.9%
Equity and liabilities €93k
Equity
€2k ▼ 96.7%
Debt
€92k ▲ 21.6%
Debt's share of the balance-sheet total rises from 59.7% to 98.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-45k▼
2024 · €5k
Cash flow
€-47k▼
2024 · €5k
Current ratio
1.76▼
2024 · 5.58
Debt to equity
55.31▲
2024 · 1.48
ROA
-52.7%▼
2024 · 3.0%
Interest coverage
-8.65▼
2024 · 2.75
Debt ≤ 1 year
€48k▲
2024 · €21k
Debt > 1 year
€43k▼
2024 · €54k
Income taxes
€195▼
2024 · €2k
Staff costs
€1k
A ratio outside any meaningful range has been withheld (balance sheet total €93k, equity €2k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€126k€93k▼
Formation expenses20-€0
Fixed assets21/28€10k€8k▼
Tangible fixed assets22/27€10k€8k▼
Land and buildings22€9k€8k▼
Plant, machinery and equipment23€242€211▼
Furniture and vehicles24€573€0▼
Current assets29/58€116k€85k▼
Amounts receivable within one year40/41€115k€85k▼
Trade receivables40€31k€24k▼
Other amounts receivable41€84k€61k▼
Cash at bank and in hand54/58€998-
Equity and liabilities
Total equity and liabilities10/49€126k€93k▼
Equity10/15€51k€2k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€49k€-343▼
Amounts payable17/49€75k€92k▲
Amounts payable after more than one year17€54k€43k▼
Financial debts170/4€54k€43k▼
Amounts payable within one year42/48€21k€48k▲
Current portion of amounts payable after more than one year42€13k€7k▼
Financial debts43-€524
Credit institutions430/8-€524
Trade debts44-€17k
Suppliers440/4-€17k
Taxes, remuneration and social security45€8k€11k▲
Taxes450/3€8k€11k▲
Other amounts payable47/48-€13k
Income statement
Code20242025
Non-recurring operating income76A€515€13k▲
Remuneration, social security and pensions62-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€6k€-43k▼
Operating profit (loss)9901€3k€-47k▼
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€5k€-49k▼
Income taxes67/77€2k€195▼
Profit (loss) for the period9904€4k€-49k▼
Profit (loss) for the period to be appropriated9905€4k€-49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€-343▼
Profit (loss) brought forward from the previous period14P€45k€49k▲
The notes to these accounts (7 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-12
Financial
Weakest financial yearnet €-49k ▼1394%
Net result drops to €-49k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
05-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 97 days late
16-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 290 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Heusden-Zolder · 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.
Grauwzustersstraat 463550 Heusden-ZolderGround area
193 m²
Building footprint
130 m²
Volume, LiDAR
637 m³
Parcel 71025A0073/00D055, Flanders · tallest building 8.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Ozver Group
since 20212.320.341.948
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71025A0073/00D055 | Flanders | 193 m² | 1 · 130 m² | 8.9 m · 1 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.
Recognitions · licences · registrations
Recognised contractor
2 categoriesOzver Group BV42126
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 2,888 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-07-2021
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.