O.D. CONSTRUCT
ActiveO.D. CONSTRUCT has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €752k and a net result of €38k. Equity is growing by ~22.7% per year across the filed fiscal years. Its solvency ranks better than 54% of 2176 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-2
Solvency67▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity short (current ratio 0.76 against 0.95 in 2024; short-term debt: 16.1% and cash: 1.5% of total assets), and 58.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
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
41.6%
Return on assets
2.1%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-09-2026, 52 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
52 d late
2024
6 d early
2023
4 d early
2022
15 d early
2021
13 d early
2020
5 d late
2019
26 d late
← 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, abbreviated schema
Equity
€752k▲ 5.4%
2024 · €714k
2018: €162k
2019: €170k
2020: €193k
2021: €246k
2022: €586k
2023: €646k
2024: €714k
2018 → 2025
Total assets
€1.81M▼ 11.0%
2024 · €2.03M
2018: €701k
2019: €729k
2020: €708k
2021: €688k
2022: €1.51M
2023: €1.75M
2024: €2.03M
2018 → 2025
Net result
€38k▼ 43.2%
2024 · €67k
2018: €36k
2019: €8k
2020: €33k
2021: €53k
2022: €339k
2023: €61k
2024: €67k
2018 → 2025
Working capital
€-70k▼ 206%
2024 · €-23k
2018: €-149k
2019: €-231k
2020: €-174k
2021: €-145k
2022: €247k
2023: €113k
2024: €-23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€246k-€586k▲ 138%€646k▲ 10.4%€714k▲ 10.4%€752k▲ 5.4%
Operating result€99k-€463k▲ 370%€88k▼ 81.0%€110k▲ 24.6%€64k▼ 41.7%
Net result€53k-€339k▲ 536%€61k▼ 82.1%€67k▲ 11.1%€38k▼ 43.2%
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 falls in 2025; 2025 is 42% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.81M
Fixed assets
€1.59M▼ 0.2%
Current assets
€221k▼ 50.0%
Equity and liabilities €1.81M
Equity
€752k▲ 5.4%
Provisions
€98k▼ 4.3%
Debt
€957k▼ 21.2%
The debt ratio falls from 59.8% to 53.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€120k▼
2024 · €160k
Cash flow
€95k▼
2024 · €118k
Solvency
41.6%▲
2024 · 35.2%
Current ratio
0.76▼
2024 · 0.95
Quick ratio
0.76▼
2024 · 0.95
Debt / equity
1.27▼
2024 · 1.70
ROE
5.1%▼
2024 · 9.5%
ROA
2.1%▼
2024 · 3.3%
Interest coverage
7.84▼
2024 · 9.98
Debt
€957k▼
2024 · €1.21M
Debt ≤ 1 year
€292k▼
2024 · €465k
Debt > 1 year
€664k▼
2024 · €749k
Income taxes
€15k▼
2024 · €28k
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€2.03M€1.81M▼
Fixed assets21/28€1.59M€1.59M▼
Tangible fixed assets22/27€1.03M€1.03M▼
Land and buildings22€931k€896k▼
Plant, machinery and equipment23€60k€50k▼
Furniture and vehicles24€6k€4k▼
Other tangible fixed assets26€33k€78k▲
Financial fixed assets28€558k€558k=
Current assets29/58€442k€221k▼
Amounts receivable within one year40/41€331k€191k▼
Trade receivables40€331k€168k▼
Other amounts receivable41-€23k
Cash at bank and in hand54/58€107k€27k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€2.03M€1.81M▼
Equity10/15€714k€752k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€341k€328k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€290k€277k▼
Distributable reserves133€45k€45k=
Profit (loss) carried forward14€311k€362k▲
Provisions and deferred taxes16€102k€98k▼
Deferred taxes168€102k€98k▼
Amounts payable17/49€1.21M€957k▼
Amounts payable after more than one year17€749k€664k▼
Financial debts170/4€749k€664k▼
Amounts payable within one year42/48€465k€292k▼
Current portion of amounts payable after more than one year42€54k€38k▼
Trade debts44€343k€203k▼
Suppliers440/4€343k€203k▼
Taxes, remuneration and social security45€39k€25k▼
Taxes450/3€39k€25k▼
Other amounts payable47/48€29k€26k▼
Accrued charges and deferred income492/3€649€649=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€56k▲
Other operating charges640/8€14k€8k▼
Gross operating margin9900€173k€128k▼
Operating profit (loss)9901€110k€64k▼
Financial income75/76B€73€0▼
Recurring financial income75€73€0▼
Financial charges65/66B€16k€15k▼
Recurring financial charges65€16k€15k▼
Profit (loss) for the period before taxes9903€94k€49k▼
Transfer from deferred taxes780€2k€4k▲
Income taxes67/77€28k€15k▼
Profit (loss) for the period9904€67k€38k▼
Transfer from tax-exempt reserves789€5k€13k▲
Profit (loss) for the period to be appropriated9905€72k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€311k€362k▲
Profit (loss) brought forward from the previous period14P€239k€311k▲
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
21-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 52 days late
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €339k ▲536%
Operating result €463k, net result €339k, both a record.
31-12
Financial
Liquidity times 7current ratio 2.47
Current ratio from 0.36 to 2.47; short-term debt falls from €226k to €168k.
31-12
Financial
Equity above €500kEq €586k ▲138%
5 profitable years in a row build equity to €586k.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €246k ▲27.6%
4 profitable years in a row build equity to €246k.
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Weakest financial yearnet €8k ▼78%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Silly · 1 establishment unit since 1997
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.
Chaussée de Soignies(Hoves) 597830 SillyGround area
1,796 m²
Building footprint
216 m²
Volume, LiDAR
1,483 m³
Parcel 55021A0245/00C000, Wallonia · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
O.D. CONSTRUCT
since 19972.083.863.173
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55021A0245/00C000 | Wallonia | 1,796 m² | 1 · 216 m² | 9.9 m · 2 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
14 categoriesO.D. CONSTRUCT SA41545
Similar companies · same sector, comparable size
WOESTENBORGHS CONSTRUCT
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JOFI
BE 0449.883.822
Liedekerke · Eq €751k
DAEMS ANTWERP
BE 0804.794.251
Kapellen · Eq €754k
D-BUILD
BE 0861.952.490
Heusden-Zolder · Eq €750k
Sieton
BE 0885.252.484
Knokke-Heist · Eq €750k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 7,596 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded07-10-1997
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.