Summary
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 20% of 2451 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 2451 sector peers (2025).
NBB · sector comparisonPosition among 2451 sector peers
Solvency
better than 20%
← weakest
strongest →
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 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 d early
2024
49 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 28 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file What other support did companies like this one receive, and it did not?Subsidy mirror What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€125,885▲ 1,405%
2024 · €8,363
Net result
-€12,478
2024 · €6,863
Total assets
€898,387▲ 3,651%
2024 · €23,951
Solvency
14.0%▼ 20.9pp
2024 · 34.9%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result€8,581-€6,919▼ 19.4%
Net result€6,863--€12,478
Equity€8,363-€125,885▲ 1,405%
Total assets€23,951-€898,387▲ 3,651%
Debt€15,588-€772,502▲ 4,856%
Working capital€14,572-€157,031▲ 978%
Solvency34.9%-14.0%▼ 20.9pp
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €898,387
Fixed assets
€699,623
Current assets
€198,764
Equity and liabilities €898,387
Equity
€125,885 ▲ 1,405%
Debt
€772,502 ▲ 4,856%
Debt's share of the balance-sheet total rises from 65.1% to 86.0%. Equity and debt are higher.
Key figures and ratios
ROE
-9.9%▼
2024 · 82.1%
ROA
-1.4%▼
2024 · 28.7%
Debt ≤ 1 year
€41,732▲
2024 · €9,379
Debt > 1 year
€722,664▲
2024 · €5,000
Income taxes
€326▼
2024 · €1,716
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €81,966 | - |
| Other operating charges640/8 | - | €1,297 | - |
| Non-recurring operating charges66A | - | €3,005 | - |
| Gross operating margin9900 | €8,581 | €93,187 | ▲ 986% |
| Operating profit (loss)9901 | €8,581 | €6,919 | ▼ 19.4% |
| Financial income75/76B | - | €296 | - |
| Recurring financial income75 | - | €296 | - |
| Financial charges65/66B | €2 | €19,367 | ▲ 800,198% |
| Recurring financial charges65 | €2 | €19,367 | ▲ 800,198% |
| Profit (loss) for the period before taxes9903 | €8,579 | -€12,152 | ▼ 242% |
| Income taxes67/77 | €1,716 | €326 | ▼ 81.0% |
| Profit (loss) for the period9904 | €6,863 | -€12,478 | ▼ 282% |
| Profit (loss) for the period to be appropriated9905 | €6,863 | -€12,478 | ▼ 282% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €23,951 | €898,387 | ▲ 3,651% |
| Fixed assets21/28 | - | €699,623 | - |
| Intangible fixed assets21 | - | €45,000 | - |
| Tangible fixed assets22/27 | - | €652,719 | - |
| Land and buildings22 | - | €541,981 | - |
| Plant, machinery and equipment23 | - | €4,620 | - |
| Furniture and vehicles24 | - | €81,709 | - |
| Other tangible fixed assets26 | - | €24,410 | - |
| Financial fixed assets28 | - | €1,904 | - |
| Current assets29/58 | €23,951 | €198,764 | ▲ 730% |
| Amounts receivable within one year40/41 | - | €65,253 | - |
| Trade receivables40 | - | €4,840 | - |
| Other amounts receivable41 | - | €60,413 | - |
| Cash at bank and in hand54/58 | €3,606 | €113,407 | ▲ 3,045% |
| Deferred charges and accrued income490/1 | €20,345 | €20,103 | ▼ 1.2% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €23,951 | €898,387 | ▲ 3,651% |
| Equity10/15 | €8,363 | €125,885 | ▲ 1,405% |
| Contributions10/11 | €1,500 | €131,500 | ▲ 8,667% |
| Reserves13 | €6,863 | €6,863 | = |
| Distributable reserves133 | €6,863 | €6,863 | = |
| Profit (loss) carried forward14 | - | -€12,478 | - |
| Amounts payable17/49 | €15,588 | €772,502 | ▲ 4,856% |
| Amounts payable after more than one year17 | €5,000 | €722,664 | ▲ 14,353% |
| Financial debts170/4 | - | €613,283 | - |
| Other amounts payable178/9 | €5,000 | €109,382 | ▲ 2,088% |
| Amounts payable within one year42/48 | €9,379 | €41,732 | ▲ 345% |
| Current portion of amounts payable after more than one year42 | - | €16,717 | - |
| Trade debts44 | €7,663 | €18,563 | ▲ 142% |
| Suppliers440/4 | €7,663 | €18,563 | ▲ 142% |
| Taxes, remuneration and social security45 | €1,716 | €6,452 | ▲ 276% |
| Taxes450/3 | €1,716 | €6,452 | ▲ 276% |
| Accrued charges and deferred income492/3 | €1,209 | €8,106 | ▲ 570% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €6,863 | -€12,478 | ▼ 282% |
| + Depreciation and write-downs630 | - | €81,966 | - |
| Operating cash flow (approximation) | €6,863 | €69,488 | ▲ 912% |
| Change in cash | - | €109,801 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100,000Eq €125,885 ▲1,405%
Equity rises from €8,363 to €125,885.
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
2 acts for this company are 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, Torhout · 3 establishment units since 2024
Ground area
1,419 m²
Building footprint
681 m²
Volume, LiDAR
5,025 m³
3 parcels, Flanders · tallest building 16.0 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
Ofina BV
since 20242.365.175.249
Ofina BV
since 20242.365.252.057
Ofina BV
since 20252.383.341.963
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31033A0900/00D000 | Flanders | 754 m² | 1 · 165 m² | 6.9 m · 2 fl. |
| 31033K0243/00T000 | Flanders | 339 m² | 1 · 339 m² | 16.0 m · 3 fl. |
| 31433D0011/00D014 | Flanders | 326 m² | 1 · 177 m² | 11.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 102 EUR awarded · 102 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 102 EUR | 102 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
6488AC1K0104X39CGC25
Similar companies · same sector, comparable size
SIACI UNDERWRITING
BE 0756.908.321
Antwerpen · Eq €125,925
VERZEKERINGSSERVICE
BE 0810.728.374
Heist-op-den-Berg · Eq €126,077
LAM Insurance
BE 0895.912.190
Grimbergen · Eq €125,657
T&B VERZEKERINGEN
BE 0544.445.063
Temse · Eq €126,191
InCigno
BE 0721.853.610
Heist-op-den-Berg · Eq €126,382
Of 4,673 companies in sector 66220 we hold annual accounts for 3,219. 2,777 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-10-2024
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
66290Activities auxiliary to financial services and insurance activities
Scores and ratios are computed by Checked and are not a credit decision.