OP DE GROEI
ActiveSummary
OP DE GROEI has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18k and a net result of €4k. Equity is shrinking by ~6% per year across the filed fiscal years. Its solvency ranks better than 40% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-31
Solvency76▼-24
Growth32=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.06 against 4.06 in 2024; short-term debt: 48.6% and cash: 99.5% of total assets), and 48.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
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
51.4%
Return on assets
12.6%
Age of the figures
9 mo
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 02-04-2026, 120 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
120 d early
2024
77 d early
2023
86 d early
2022
87 d early
2021
86 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€18k▼ 29.4%
2024 · €25k
2021: €27k
2022: €17k
2023: €14k
2024: €25k
2021 → 2025
Total assets
€35k▲ 3.5%
2024 · €33k
2021: €54k
2022: €23k
2023: €30k
2024: €33k
2021 → 2025
Net result
€4k▼ 59.3%
2024 · €11k
2021: €26k
2022: €-10k
2023: €-2k
2024: €11k
2021 → 2025
Working capital
€18k▼ 29.4%
2024 · €25k
2021: €27k
2022: €17k
2023: €14k
2024: €25k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€17k▼ 38.2%€14k▼ 12.8%€25k▲ 74.2%€18k▼ 29.4%
Operating result€33k-€-3k€-7k▼ 113%€10k€6k▼ 41.6%
Net result€26k-€-10k€-2k▲ 79.3%€11k€4k▼ 59.3%
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 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €35k
Equity
€18k ▼ 29.4%
Debt
€17k ▲ 104%
Debt's share of the balance-sheet total rises from 24.6% to 48.6%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
2.06▼
2024 · 4.06
Debt to equity
0.95▲
2024 · 0.33
ROE
24.5%▼
2024 · 42.6%
ROA
12.6%▼
2024 · 32.1%
Debt ≤ 1 year
€17k▲
2024 · €8k
Income taxes
€2k▲
2024 · €-492
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€33k€35k▲
Current assets29/58€33k€35k▲
Amounts receivable within one year40/41€492€5▼
Trade receivables40-€5
Other amounts receivable41€492-
Cash at bank and in hand54/58€33k€34k▲
Deferred charges and accrued income490/1€170€165▼
Equity and liabilities
Total equity and liabilities10/49€33k€35k▲
Equity10/15€25k€18k▼
Contributions10/11€1k€1k=
Reserves13€24k€17k▼
Distributable reserves133€24k€17k▼
Amounts payable17/49€8k€17k▲
Amounts payable within one year42/48€8k€17k▲
Trade debts44€634€40▼
Suppliers440/4€634€40▼
Taxes, remuneration and social security45€432€3k▲
Taxes450/3€432€3k▲
Other amounts payable47/48€7k€14k▲
Income statement
Code20242025
Gross operating margin9900€10k€6k▼
Operating profit (loss)9901€10k€6k▼
Financial income75/76B€0€34▲
Recurring financial income75€0€34▲
Financial charges65/66B€222€278▲
Recurring financial charges65€222€278▲
Non-recurring financial charges66B€222€278▲
Profit (loss) for the period before taxes9903€10k€6k▼
Income taxes67/77€-492€2k▲
Profit (loss) for the period9904€11k€4k▼
Profit (loss) for the period to be appropriated9905€11k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€4k▼
Transfer from equity791/2-€7k
Transfer to equity691/2€11k-
To other reserves6921€11k-
Profit to be distributed694/7-€12k
Return on contributions (dividend)694-€12k
The notes to these accounts (1 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
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 4.06
Current ratio from 1.92 to 4.06; short-term debt falls from €16k to €8k.
06-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-10k ▼140%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
06-05
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Herent · 1 establishment unit since 2021
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.
Rijweg 1243020 HerentGround area
780 m²
Building footprint
150 m²
Volume, LiDAR
584 m³
Parcel 24423I0147/00C000, Flanders · tallest building 5.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rijweg 124, 3020 Herent
since 20212.317.186.280
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24423I0147/00C000 | Flanders | 780 m² | 1 · 150 m² | 5.4 m · 1 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 195 EUR awarded · 195 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 195 EUR | 195 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 10,451 companies in sector 86995 we hold annual accounts for 886. 566 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-02-2021
Fiscal year end31-12
Activities, NACEBEL 2025
86995Nutrition and dietetics services
47279Other retail sale of food
71113Urban planning and landscape architecture
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.