Active BE 0453.500.932Private limited company

OCKERMAN ANDY

Huttegemstraat(Rob) 54 ·9630 Zwalm, Belgium· 31 yrs active

Sector: Site preparation (43120)

Conclusion Checked

OCKERMAN ANDY has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €782k and a net result of €70k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 86% of 26547 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€782k
Net result	€70k
Better than sector	86%
Active	31 yrs

Financial profile 5 of 5 axes measured · computed by Checked

83 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 45

Solvency 100

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.5% Low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 1994, 31 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

94 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€75k

estimate, not credit advice

Score history

73 2021

94 2022

94 2023

70 2024

94 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 4.08 (≥ 1.5) +10

Quick ratio Quick ratio 3.82 (≥ 1.0) +5

Leverage Debt/equity 0.22 (< 1.0) +10

Profitability ROE 9% +3

Interest coverage Interest coverage 959.6× (≥ 3×) +8

Profit trend Net profit up YoY +5

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview31 NBB filings

Annual accounts filed on 02-06-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~3.3%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 43, Specialised construction activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	81.8%	47.4%	better than 86% of 26547 sector peers
Net result	€70k	€10k	better than 91% of 26539 sector peers
Equity	€782k	€60k	better than 95% of 26557 sector peers
Gross operating margin	€101k	€39k	better than 77% of 26517 sector peers
Total assets	€956k	€141k	better than 95% of 26551 sector peers

EBITDA

€99k

+2557.8% 21-25

Net profit

€70k

- 21-25

Cash flow

€86k

+1875.7% 21-25

Total assets

€956k

+10.9% 21-25

Equity

€782k

+9.8% 21-25

Working capital

€531k

+19.9% 21-25

Income taxes

€13k

- 21-25

Debt

€174k

+16.1% 21-25

Debt ≤ 1y

€172k

+15.4% 21-25

Current ratio

4.08

+3.0% 21-25

Quick ratio

3.82

-0.4% 21-25

Solvency

81.8%

-1.0% 21-25

Debt / equity

0.22

+5.8% 21-25

ROE

8.9%

- 21-25

ROA

7.3%

- 21-25

Interest coverage

959.63

+9111.6% 21-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	micro schema	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-	-
EBITDA	€99k	€4k	€88k	€56k	€28k
Net profit	€70k	€-25k	€52k	€99	€-28k
Cash flow	€86k	€4k	€80k	€58k	€35k
Staff costs	-	-	-	-	-
Income taxes	€13k	-	-	-	-
Dividends	-	-	-	-	-
Total assets	€956k	€862k	€937k	€853k	€849k
Equity	€782k	€713k	€737k	€686k	€686k
Debt	€174k	€150k	€200k	€167k	€164k
of which ≤ 1y	€172k	€149k	€194k	€166k	€163k
of which > 1y	-	-	-	-	-
Working capital	€531k	€442k	€446k	€377k	€600k
Employees (FTE)	-	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	4.08	3.96	3.31	3.27	4.67
Quick ratio	3.82	3.83	3.15	3.27	4.67
Working capital ratio	55.5%	51.3%	47.6%	44.3%	70.7%
Solvency	81.8%	82.6%	78.6%	80.4%	80.7%
Debt / equity	0.22	0.21	0.27	0.24	0.24
Long-term debt ratio	-	-	-	-	-
Interest coverage	959.63	10.42	10.83	1210.84	404.54
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	7.3%	-2.8%	5.6%	0.0%	-3.3%
ROE	8.9%	-3.4%	7.1%	0.0%	-4.1%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	-	-	-	-	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €253k · 26.5% Current assets €703k · 73.5%

Equity & liabilities

Equity €782k · 81.8% Debt €174k · 18.2%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€956k	€862k	€937k	€853k	€849k
Fixed assets	21/28	€253k	€271k	€298k	€309k	€86k
Tangible fixed assets	22/27	€253k	€270k	€297k	€309k	€85k
Financial fixed assets	28	€197	€197	€197	€197	€197
Current assets	29/58	€703k	€592k	€640k	€544k	€764k
Stocks & contracts in progress	3	€45k	€19k	€29k	-	-
Amounts receivable within one year	40/41	€31k	€29k	€97k	€73k	€44k
Investments	50/53	-	-	-	-	€100k
Cash & bank	54/58	€620k	€538k	€511k	€466k	€581k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€956k	€862k	€937k	€853k	€849k
Equity	10/15	€782k	€713k	€737k	€686k	€686k
Contributions / capital	10/11	€19k	€19k	€19k	€19k	€19k
Reserves	13	€762k	€693k	€693k	€693k	€693k
Accumulated profits (losses)	14	€1k	€1k	€26k	€-26k	€-26k
Amounts payable	17/49	€174k	€150k	€200k	€167k	€164k
Amounts payable within one year	42/48	€172k	€149k	€194k	€166k	€163k
Trade debts payable within one year	44	€41k	€11k	€35k	€19k	€15k
Income statement
Gross operating margin	9900	€101k	€13k	€89k	€57k	€29k
Operating result	9901	€82k	€-25k	€60k	€-2k	€-34k
Financial income	75	€824	€1k	€704	€3k	€7k
Financial charges	65	€103	€356	€8k	€46	€70
Result before taxes	9903	€83k	€-25k	€52k	€99	€-28k
Income taxes	67/77	€13k	-	-	-	-
Net result for the period	9904	€70k	€-25k	€52k	€99	€-28k
Result to be appropriated	9905	€70k	€-25k	€52k	€99	€-28k

Directors & mandates 3 directors

Current directors & mandates

Andy Ockerman
Director
State Gazette act 24018794 (30-01-2024)

Current
30-01-2024 → present

Former directors (2)

Charmy Roelstraete
Director
State Gazette act 24018794 (30-01-2024)

Former
30-01-2024 → 11-10-2024
2 events
- 11-10-2024 Resigned· Director
- 30-01-2024 Appointed· Director
Martine De Smet
Director
State Gazette act 24018794 (30-01-2024)

Former
- → 29-05-2023

Legal Structure

NACE primary	Site preparation(43120)
Legal form	Private limited company(610)
Incorporation	27-09-1994
Status	Active
Postal code	9630

Establishment units 1 location

Huttegemstraat(Rob) 54, 9630 Zwalm

NACE 4521402

since 19952.070.565.067

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
45040A0157/00B002	Flanders	1,261 m²	1 · 119 m²	7.1 m · 2 fl.

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.

Updates 12 events

All 14Financial 2Gazette 2Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

02-06

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Back to profitnet €70k

Net result €70k after one loss-making year.

31-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

04-06

State Gazette act Director changes

2024

25-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

30-01

State Gazette act Director changes

2023

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

31-12

Financial Back to profitnet €99

Net result €99 after one loss-making year.

30-09

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 61 days late

2021

01-09

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 32 days late

2020

29-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 90 days late

2019

30-09

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 61 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 milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 1 year ago

2025

04-06-2025 Mandate of Charmy Roelstraete as director ended by death Director changes

Charmy Roelstraete, Bestuurder

Original publication ↗

Technical details

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2024

30-01-2024 6 directors appointed, 1 resigning Director changes

Andy Ockerman, Bestuurder
Charmy Roelstraete, Bestuurder
Karolien Tallieu, Gedelegeerd bestuurder
Leen Bronckart, Gedelegeerd bestuurder
Laura Priemen, Gedelegeerd bestuurder
SBB Bedrijfsdiensten BV, Gedelegeerd bestuurder
Martine De Smet, Bestuurder

Original publication ↗

Technical details

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    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-12-10",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0453.500.932",
    "name_full": "Ockerman Andy",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "notulen van de algemene vergadering dd. 10/12/2023"
  ],
  "corrected_publication_numac": null
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Site preparation4312045112Raising of dairy cattle01410Construction of roads and motorways4211045230Landscape service activities81300

Names & trade names

Legal nameNL

OCKERMAN ANDY

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