Equity
€125,885 ▲ 15×
Equity rose in 2025 from €8,363 to €125,885.
Ofina
Lifetime
2 annual accounts with figures on one time axispeak €93,187 (2025)
€93,187▲ 986%
lowest -€12,478 (2025)
-€12,478▼ €19,341
peak €125,885 (2025)
€125,885▲ 15×
€772,502▲ 50×
Board2 names since 2024
2 directorsJens Vanoverberghe and 1 other
Documentsfilings and deeds
24-07-20267 days before the deadline
2025micro format
Gross margin from €8,581 to €93,187Loss of €12,478Equity from €8,363 to €125,885Debts from €15,588 to €772,5021 establishment registeredCash from €3,606 to €113,407
Key points
from the 2025 annual accountsDebts
€772,502 86% of the balance sheet
Financial debts 79%Suppliers 2%Taxes and wages 1%Other 17%
Of this, €41,732 falls due within a year.
Securities
€530,000
Mortgage mandates, new in 2025. 4.2 times equity · not in the 2024 accounts.
Investments
€779,685 9.5 × depreciation
Green is investment, beige is depreciation.
Liquidity
4.76 was 2.55 in 2024
Short-term debts rose from €9,379 to €41,732.
Position in the sector
-€12,478
Lower net result than 91% of companies in auxiliary financial services. Sector median €32,620 · 3,077 companies.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Three signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 3076 sector peers (2025).
NBB · sector comparisonPosition among 3076 sector peers
Solvency
better than 21%
← weakest
strongest →
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
7 days early
2024
49 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 28 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Jens Vanoverberghedeed of 07-01-2026
- Kim Dumareydeed of 07-01-2026
Recent changes
Environmental permit granted
Nieuwe publiciteitsinrichting (met inbegrip van vernieuwen van een bestaande vergunning) · Brugge
Capital contribution of €130,000
Contributions: Jens Vanoverberghe (€65,000); Kim Dumarey (€65,000) · General meeting of 19-12-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1014800340
New establishment in Bruges
Ofina BV, Maalse Steenweg 102
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Ofina Torhout | €0.9m | €93,187 | 14.0% | - |
| Buro Tiki Nijlen | €1.0m | €119,049 | 3.6% | - |
| LENAERTS & PARTNERS Hechtel-Eksel | €0.9m | €119,024 | -3.1% | - |
| Surtout Veurne | €1.0m | €168,007 | 1.6% | - |
| HENTHI Kortrijk | €0.7m | €50,909 | 3.7% | - |
| Title Risk Global Europe Ixelles | €0.6m | €93,386 | -57.6% | - |
| VDS Bornem | €1.3m | €95,803 | 1.7% | - |
These companies have the same main activity as Ofina: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €610,000 and €1.3m, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 08-10-2024Normal situation
- Activity
- Insurance agents and brokersNACE 66220and 1 other
- Establishment units
- 2.365.175.2498820 Torhout, since 08-10-2024
- 2.365.252.0578820 Torhout, since 08-10-2024and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 17-06-2025
Annual accounts 2025
- €898,387▲ 38×
- Filing
- Filed on 24-07-2026, 7 days before the end of the filing period
Insights on Ofina
Ofina is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €125,885 and a net result of -€12,478.
Its solvency ranks better than 21% of 3,076 sector peers (NACE 66, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Ofina
- What is the company number of Ofina?
- The company number of Ofina is 1014.800.340. The VAT number is the same number with BE in front: BE 1014.800.340.
- Where is Ofina based?
- The registered office is at Oostendestraat 18, 8820 Torhout.Company details
- What does Ofina do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of Ofina?
- Ofina is a private limited company (BV).
- When was Ofina founded?
- Ofina was founded on 08-10-2024.
- Is Ofina still active?
- Yes, Ofina is an active enterprise in the KBO register.
- What is the turnover of Ofina?
- The turnover in financial year 2025 is ≈ €280,000. This figure is estimated from the gross margin of €93,187 and 2,667 comparable companies of the same size. It probably lies between €190,000 and €490,000. It is a rough estimate.Financials
- Is Ofina profitable?
- In financial year 2025, Ofina made a loss of €12,478.
- Where can I find the annual accounts of Ofina?
- Ofina filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Ofina due?
- Ofina must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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