OP-tim
ActiveOP-tim has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €6k and a net result of €1k. Equity is growing by ~32.3% per year across the filed fiscal years. Its solvency ranks better than 71% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability91▲+91
Solvency100▲+7
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 4.11 against 4.8 in 2023; short-term debt: 22.4% and cash: 12.8% of total assets), and 23.7% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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 2024Solvency, return and age of the figures
Solvency
76.3%
Return on assets
17.4%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
26 d late
2022
21 d late
2021
31 d late
2020
1 d early
2019
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€6k▲ 29.6%
2023 · €5k
2018: €15k
2019: €-4k
2020: €-9k
2021: €-296
2022: €9k
2023: €5k
2018 → 2024
Total assets
€8k▲ 15.2%
2023 · €7k
2018: €17k
2019: €13k
2020: €5k
2021: €10k
2022: €10k
2023: €7k
2018 → 2024
Net result
€1k
2023 · €-4k
2018: €-28k
2019: €-19k
2020: €-5k
2021: €9k
2022: €9k
2023: €-4k
2018 → 2024
Working capital
€6k▲ 2.0%
2023 · €6k
2018: €13k
2019: €-11k
2020: €-12k
2021: €-770
2022: €9k
2023: €6k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-9k-€-296▲ 96.8%€9k€5k▼ 45.5%€6k▲ 29.6%
Operating result€-4k-€10k€10k▲ 0.7%€-4k€2k
Net result€-5k-€9k€9k▲ 2.3%€-4k€1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €2k after a loss of €4k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €8k
Fixed assets
€654▲ 1,561%
Current assets
€8k▲ 6.7%
Equity and liabilities €8k
Equity
€6k▲ 29.6%
Debt
€2k▼ 15.1%
The debt ratio falls from 32.2% to 23.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€2k▲
2023 · €-4k
Cash flow
€1k▲
2023 · €-4k
Solvency
76.3%▲
2023 · 67.8%
Current ratio
4.11▼
2023 · 4.80
Quick ratio
4.11▼
2023 · 4.80
Debt / equity
0.31▼
2023 · 0.48
ROE
22.8%▲
2023 · -83.5%
ROA
17.4%▲
2023 · -56.6%
Interest coverage
11.81▲
2023 · -20.62
Debt
€2k▼
2023 · €2k
Debt ≤ 1 year
€2k▲
2023 · €1k
Income taxes
€303▲
2023 · €288
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€7k€8k▲
Fixed assets21/28€39€654▲
Tangible fixed assets22/27€14€629▲
Furniture and vehicles24€14€629▲
Financial fixed assets28€25€25=
Current assets29/58€7k€8k▲
Amounts receivable within one year40/41€5k€6k▲
Trade receivables40€440€2k▲
Other amounts receivable41€4k€4k▼
Cash at bank and in hand54/58€2k€1k▼
Deferred charges and accrued income490/1€265€747▲
Equity and liabilities
Total equity and liabilities10/49€7k€8k▲
Equity10/15€5k€6k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-9k€-8k▲
Amounts payable17/49€2k€2k▼
Amounts payable within one year42/48€1k€2k▲
Trade debts44€82€955▲
Suppliers440/4€82€955▲
Taxes, remuneration and social security45€1k€911▼
Taxes450/3€1k€911▼
Accrued charges and deferred income492/3€831€110▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€217€38▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€-2k€3k▲
Operating profit (loss)9901€-4k€2k▲
Financial income75/76B€225€242▲
Recurring financial income75€225€242▲
Financial charges65/66B€176€143▼
Recurring financial charges65€176€143▼
Profit (loss) for the period before taxes9903€-4k€2k▲
Income taxes67/77€288€303▲
Profit (loss) for the period9904€-4k€1k▲
Profit (loss) for the period to be appropriated9905€-4k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-8k▲
Profit (loss) brought forward from the previous period14P€-5k€-9k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
31-12
Financial
Highest result since 2018net €9k ▲2.3%
Operating result €10k, net result €9k, both a record.
31-12
Financial
Liquidity times 12current ratio 11.54
Current ratio from 0.93 to 11.54; short-term debt falls from €10k to €830.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €9k
Net result €9k after 3 loss-making years.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
20-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
30-05
NBB filing
Annual accounts filed
fiscal year 2015 · full 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2005
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.
Rue des Bâtisseurs 21348 Ottignies-Louvain-la-NeuveGround area
1,788 m²
Building footprint
745 m²
Volume, LiDAR
7,454 m³
Parcel 25386B0107/00L002, Wallonia · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OP-tim
since 20052.145.925.159
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25386B0107/00L002 | Wallonia | 1,788 m² | 1 · 745 m² | 12.5 m · 3 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.
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SLINGVEST
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KISSA
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 17,988 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-03-2005
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
58290Other software publishing
62010Computer programming, consultancy and related activities
62020IT consultancy
62900Other information technology and computer services
62100Computer programming
62200Computer consultancy and computer facilities management
71112Activities of interior architects
72600
73110Advertising agencies
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:o.poncin@belgacom.net
Phone:010/45.20.09