L'OPERA
ActiveL'OPERA has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €-8k. Equity is shrinking by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 40% of 11165 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-68
Solvency42▼-4
Growth32=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.92 against 0.88 in 2024), and 71.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
28.4%
Return on assets
-8.2%
Age of the figures
11 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-05-2026, 29 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 filingsDeviation from the deadline
2025
29 d late
2024
177 d late
2023
on the day
2022
24 d early
2021
52 d early
2020
313 d late
2019
28 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▼ 22.4%
2024 · €35k
2018: €67k
2019: €80k
2020: €71k
2021: €42k
2022: €38k
2023: €30k
2024: €35k
2018 → 2025
Total assets
€95k▼ 14.8%
2024 · €111k
2018: €154k
2019: €118k
2020: €108k
2021: €98k
2022: €75k
2023: €145k
2024: €111k
2018 → 2025
Net result
€-8k
2024 · €5k
2018: €13k
2019: €23k
2020: €-9k
2021: €-29k
2022: €-4k
2023: €-8k
2024: €5k
2018 → 2025
Working capital
€-5k▲ 40.5%
2024 · €-9k
2018: €51k
2019: €64k
2020: €55k
2021: €28k
2022: €27k
2023: €-22k
2024: €-9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€38k▼ 9.2%€30k▼ 20.4%€35k▲ 15.6%€27k▼ 22.4%
Operating result€-30k-€-5k▲ 84.6%€-8k▼ 69.9%€5k€-7k
Net result€-29k-€-4k▲ 86.9%€-8k▼ 101%€5k€-8k
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 €7k after €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €95k
Fixed assets
€32k▼ 26.2%
Current assets
€62k▼ 7.4%
Equity and liabilities €95k
Equity
€27k▼ 22.4%
Debt
€68k▼ 11.3%
The debt ratio rises from 68.8% to 71.6%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€4k▼
2024 · €17k
Cash flow
€4k▼
2024 · €16k
Solvency
28.4%▼
2024 · 31.2%
Current ratio
0.92▲
2024 · 0.88
Quick ratio
0.27▲
2024 · 0.24
Debt / equity
2.52▲
2024 · 2.21
ROE
-28.9%▼
2024 · 13.5%
ROA
-8.2%▼
2024 · 4.2%
Interest coverage
8.78▼
2024 · 21.85
Debt
€68k▼
2024 · €77k
Debt ≤ 1 year
€68k▼
2024 · €77k
Income taxes
€170▼
2024 · €243
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€111k€95k▼
Fixed assets21/28€44k€32k▼
Tangible fixed assets22/27€41k€30k▼
Furniture and vehicles24€35k€26k▼
Other tangible fixed assets26€6k€4k▼
Financial fixed assets28€3k€3k=
Current assets29/58€67k€62k▼
Stocks and contracts in progress3€49k€44k▼
Stocks30/36€49k€44k▼
Amounts receivable within one year40/41€2k€338▼
Trade receivables40€909€338▼
Other amounts receivable41€997-
Cash at bank and in hand54/58€15k€17k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€111k€95k▼
Equity10/15€35k€27k▼
Contributions10/11€12k€12k=
Reserves13€29k€29k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€45€45=
Distributable reserves133€27k€27k=
Profit (loss) carried forward14€-7k€-15k▼
Amounts payable17/49€77k€68k▼
Amounts payable within one year42/48€77k€68k▼
Current portion of amounts payable after more than one year42€29k-
Trade debts44€38k€32k▼
Suppliers440/4€38k€32k▼
Taxes, remuneration and social security45€9k€12k▲
Taxes450/3€9k€12k▲
Other amounts payable47/48-€24k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€18k€6k▼
Operating profit (loss)9901€5k€-7k▼
Financial income75/76B€384-
Recurring financial income75€384-
Financial charges65/66B€767€499▼
Recurring financial charges65€767€499▼
Profit (loss) for the period before taxes9903€5k€-8k▼
Income taxes67/77€243€170▼
Profit (loss) for the period9904€5k€-8k▼
Profit (loss) for the period to be appropriated9905€5k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-15k▼
Profit (loss) brought forward from the previous period14P€-12k€-7k▲
The notes to these accounts (5 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
24-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 177 days late
2024
30-09
Financial
Back to profitnet €5k
Net result €5k after 4 loss-making years.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
09-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 313 days late
2021
30-09
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
2020
02-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Highest result since 2018net €23k ▲76.9%
Operating result €31k, net result €23k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Aarschot · 1 establishment unit since 2009
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.
Diestsestraat 113200 AarschotGround area
65 m²
Building footprint
65 m²
Volume, LiDAR
674 m³
Parcel 24662H0435/00A000, Flanders · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
l' Opera
since 20092.177.047.214
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24662H0435/00A000 | Flanders | 65 m² | 1 · 65 m² | 13.2 m · 4 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.
Similar companies · same sector, comparable size
JUMILEO
BE 1015.356.111
Lierde · Eq €27k
CHAPA MODE
BE 0822.551.882
Dinant · Eq €27k
Belgian Football Classics
BE 1016.627.405
Herentals · Eq €27k
THRIFT STORE
BE 0788.459.748
Brussel · Eq €26k
BRANDZ MODEAGENTUREN
BE 0846.090.517
Antwerpen · Eq €26k
Of 1,268 companies in sector 46160 we hold annual accounts for 682. 475 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-03-2009
Fiscal year end30-09
Activities, NACEBEL
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47554Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.