OZCAB
ActiveThe computed 12-month bankruptcy probability of OZCAB is 1.9% (moderate). The 2025 annual accounts show equity of €13k and a net result of €12k. Equity is shrinking by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 60% of 27407 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent▲ +93 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency97▲+81
Growth52▲+20
Stability100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.27 against 0.9 in 2024), and 43.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
56.1%
Return on assets
50.3%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €13k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 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 · 6 filingsDeviation from the deadline
2025
23 d late
2024
44 d late
2023
75 d late
2022
38 d late
2021
38 d late
2020
30 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€13k▲ 870%
2024 · €1k
2020: €13k
2021: €17k
2022: €15k
2023: €11k
2024: €1k
2020 → 2025
Total assets
€24k▲ 71.3%
2024 · €14k
2020: €49k
2021: €84k
2022: €132k
2023: €20k
2024: €14k
2020 → 2025
Net result
€12k
2024 · €-10k
2020: €13k
2021: €4k
2022: €-3k
2023: €-4k
2024: €-10k
2020 → 2025
Working capital
€13k
2024 · €-1k
2020: €4k
2021: €484
2022: €6k
2023: €5k
2024: €-1k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€15k▼ 15.0%€11k▼ 24.5%€1k▼ 87.8%€13k▲ 870%
Operating result€7k-€-447€-2k▼ 302%€-9k▼ 375%€16k
Net result€4k-€-3k€-4k▼ 39.1%€-10k▼ 170%€12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €9k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €24k
Fixed assets
€50▼ 98.1%
Current assets
€24k▲ 111%
Equity and liabilities €24k
Equity
€13k▲ 870%
Debt
€10k▼ 16.6%
The debt ratio falls from 90.1% to 43.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€18k▲
2024 · €-4k
Cash flow
€14k▲
2024 · €-5k
Solvency
56.1%▲
2024 · 9.9%
Current ratio
2.27▲
2024 · 0.90
Quick ratio
2.27▲
2024 · 0.90
Debt / equity
0.78▼
2024 · 9.09
ROE
89.7%▲
2024 · -719.2%
ROA
50.3%▲
2024 · -71.3%
Interest coverage
30.25▲
2024 · -3.94
Debt
€10k▼
2024 · €12k
Debt ≤ 1 year
€10k▼
2024 · €12k
Income taxes
€3k▲
2024 · €293
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€14k€24k▲
Fixed assets21/28€3k€50▼
Tangible fixed assets22/27€3k-
Furniture and vehicles24€224-
Leasing and similar rights25€2k-
Financial fixed assets28€50€50=
Current assets29/58€11k€24k▲
Amounts receivable within one year40/41€10k€22k▲
Trade receivables40€9k€21k▲
Other amounts receivable41€568€814▲
Cash at bank and in hand54/58€2€8▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€14k€24k▲
Equity10/15€1k€13k▲
Profit (loss) carried forward14€1k€13k▲
Amounts payable17/49€12k€10k▼
Amounts payable within one year42/48€12k€10k▼
Trade debts44€1k€280▼
Suppliers440/4€1k€280▼
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€293€3k▲
Remuneration and social security454/9€4k€2k▼
Other amounts payable47/48€8k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€510€562▲
Gross operating margin9900€-4k€19k▲
Operating profit (loss)9901€-9k€16k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€1k€609▼
Recurring financial charges65€1k€609▼
Profit (loss) for the period before taxes9903€-10k€15k▲
Income taxes67/77€293€3k▲
Profit (loss) for the period9904€-10k€12k▲
Profit (loss) for the period to be appropriated9905€-10k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€13k▲
Profit (loss) brought forward from the previous period14P€11k€1k▼
The notes to these accounts (4 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
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
2025
31-12
Financial
Back to profitnet €12k
Net result €12k after 3 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 2.27
Current ratio from 0.90 to 2.27; short-term debt falls from €12k to €10k.
13-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 44 days late
2024
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
14-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 75 days late
2023
07-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 38 days late
2022
07-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 38 days late
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Pieters-Leeuw · 1 establishment unit since 2020
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.
Watertorenstraat 411600 Sint-Pieters-LeeuwGround area
164 m²
Building footprint
62 m²
Volume, LiDAR
361 m³
Parcel 23077C0335/00H004, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OZCAB
since 20202.297.807.462
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23077C0335/00H004 | Flanders | 163 m² | 1 · 62 m² | 8.6 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.
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DRIEHOEVEN
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Of 15,430 companies in sector 43990 we hold annual accounts for 7,352. 4,533 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2020
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.