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B-OPEN

Active
Private limited companyfounded 199827 yrs activeChaussée de la Blanche(BL) 154, 7522 Tournai, BelgiumKBO/BCE: BE 0464.365.922
Summary

B-OPEN has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48,830 and a net result of €4,913. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 19955 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Risk analysisWatch ReportCompare
B-OPENActiveChecked score 72/100
Risk analysis ReportCompare

Overview

Activity
Computer programming
NACE 62100NACE 62010NACE 72220
#6 oldest company in Tournai, Telecoms and IT sector1 site
Size
€50,081total assets 2025
Equity
€48,830
Profit
€4,913
Turnover not published (abridged schema)
Financial health
72 Healthy Checked score 2025
Bankruptcy chance 12 m
0.6%
Structure
Accounts filed 52 d late0 of 5 deeds read
Why 72- Liquidity: current ratio 46.73- Latest accounts 52 days late; 2 of the last 3 late+ Sector Computer programming, consultancy and related activities (NACE 62)+ Founded in 1998Show the evidence

Checked score

Score 2025
72 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 70% of its sector peers (NACE 62, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 97.5% of total assets
Liquidity 100+10
short-term debt 0.9%
Profitability 81+74
return on assets 9.8%
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,559 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%▼ -1.7% vs 12-2024 02-2025: 0.2%● 0.0% vs 01-2025 03-2025: 0.2%▼ -1.2% vs 02-2025 04-2025: 0.2%▼ -4.1% vs 03-2025 05-2025: 0.2%● 0.0% vs 04-2025 06-2025: 0.2%▲ +0.6% vs 05-2025 07-2025: 0.2%▲ +8.5% vs 06-2025 08-2025: 0.2%▲ +21.2% vs 07-2025 09-2025: 0.1%▼ -38.2% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -1.5% vs 12-2025 02-2026: 0.1%● 0.0% vs 01-2026 03-2026: 0.1%▼ -0.8% vs 02-2026 04-2026: 0.1%▼ -4.6% vs 03-2026lowest value 05-2026: 0.1%● 0.0% vs 04-2026lowest value 06-2026: 0.1%▲ +0.8% vs 05-2026 07-2026: 0.1%▲ +12.7% vs 06-2026 08-2026: 0.2%▲ +26.1% vs 07-2026 09-2026: 0.2%▼ -4.5% vs 08-2026 10-2026: 0.6%▲ +262% vs 09-2026highest value
  • Liquidity: current ratio 46.73 raises the probability
  • Latest accounts 52 days late; 2 of the last 3 late raises the probability
  • Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
  • Founded in 1998 lowers the probability for this profile
Credit up to €3,500 at 30 days acceptable
Liquidity ample (current ratio 46.73 against 7.66 in 2024; short-term debt: 0.9% of total assets), and 2.5% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 85%, liquidity 96%, profitability 42%, growth against the median 58%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 46.73
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Latest accounts 52 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Sector Computer programming, consultancy and related activities (NACE 62)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Founded in 1998
In the bankruptcy model this factor lowers the probability for this profile.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-09-2026, 52 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 · 10 filings
Deviation from the deadline
2025
52 d late
2024
8 d late
2023
31 d late
2022
140 d late
2021
57 d late
2020
30 d late
2019
122 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 63 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

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. Usually files around 21 September (4 of the last 5 filed years within 44 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Back to profitnet €4,913
  3. Liquidity times 6current ratio 46.73

Key points

  • Positive: Among the best 5% on solvencysector median 60.3% · 19,955 companies 97.5% View
  • Active since 1998founded 13-10-1998 27 years View
  • Total assets 20256 fiscal years filed €50,081 View

By topic

Financials

Fiscal year
2025
Total assets
€50,081
Profit
€4,913
Solvency
97.5%
Total assets▲ 4.5%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-07-2027
  1. 21-09-2026Annual accounts filed
  2. 31-12-2025Back to profit
  3. 31-12-2025Liquidity times 6
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Computer programmingNACE 62100
Founded
13-10-1998
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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