OPAYRA
ActiveOPAYRA has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €640k and a net result of €58k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▼-10
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 18.27 against 13.89 in 2024), and 4% 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○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
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
96%
Return on assets
8.7%
Age of the figures
8 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 07-04-2026, 115 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
115 d early
2024
133 d early
2023
135 d early
2022
5 d early
2021
129 d early
2020
24 d early
2019
31 d early
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€640k▲ 6.3%
2024 · €602k
2018: €344k
2019: €365k
2020: €421k
2021: €513k
2022: €517k
2023: €548k
2024: €602k
2018 → 2025
Total assets
€667k▲ 5.1%
2024 · €634k
2018: €413k
2019: €378k
2020: €430k
2021: €523k
2022: €547k
2023: €581k
2024: €634k
2018 → 2025
Net result
€58k▼ 11.9%
2024 · €66k
2018: €11k
2019: €20k
2020: €56k
2021: €92k
2022: €62k
2023: €63k
2024: €66k
2018 → 2025
Working capital
€455k▲ 11.8%
2024 · €407k
2018: €88k
2019: €122k
2020: €187k
2021: €287k
2022: €304k
2023: €341k
2024: €407k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€513k-€517k▲ 0.9%€548k▲ 5.8%€602k▲ 10.0%€640k▲ 6.3%
Operating result€129k-€91k▼ 29.3%€82k▼ 10.6%€92k▲ 12.4%€73k▼ 21.0%
Net result€92k-€62k▼ 32.6%€63k▲ 2.0%€66k▲ 5.0%€58k▼ 11.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €667k
Fixed assets
€185k▼ 5.2%
Current assets
€482k▲ 9.7%
Equity and liabilities €667k
Equity
€640k▲ 6.3%
Debt
€26k▼ 16.5%
The debt ratio falls from 5.0% to 4.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€83k▼
2024 · €103k
Cash flow
€68k▼
2024 · €77k
Solvency
96.0%▲
2024 · 95.0%
Current ratio
18.27▲
2024 · 13.89
Quick ratio
18.27▲
2024 · 13.89
Debt / equity
0.04▼
2024 · 0.05
ROE
9.1%▼
2024 · 11.0%
ROA
8.7%▼
2024 · 10.4%
Interest coverage
248.81▼
2024 · 353.40
Debt
€26k▼
2024 · €32k
Debt ≤ 1 year
€26k▼
2024 · €32k
Income taxes
€19k▼
2024 · €28k
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€634k€667k▲
Fixed assets21/28€195k€185k▼
Tangible fixed assets22/27€195k€185k▼
Land and buildings22€195k€185k▼
Current assets29/58€439k€482k▲
Amounts receivable within one year40/41€34k€36k▲
Trade receivables40€29k€28k▼
Other amounts receivable41€4k€8k▲
Current investments50/53€77k€77k=
Cash at bank and in hand54/58€328k€368k▲
Deferred charges and accrued income490/1€63€39▼
Equity and liabilities
Total equity and liabilities10/49€634k€667k▲
Equity10/15€602k€640k▲
Contributions10/11€118k€118k=
Reserves13€485k€523k▲
Distributable reserves133€485k€523k▲
Amounts payable17/49€32k€26k▼
Amounts payable within one year42/48€32k€26k▼
Trade debts44€840€647▼
Suppliers440/4€840€647▼
Taxes, remuneration and social security45€21k€5k▼
Taxes450/3€21k€5k▼
Other amounts payable47/48€9k€21k▲
Accrued charges and deferred income492/3€19€12▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€1k€3k▲
Gross operating margin9900€104k€86k▼
Operating profit (loss)9901€92k€73k▼
Financial income75/76B€3k€5k▲
Recurring financial income75€199€2k▲
Non-recurring financial income76B€3k€3k▲
Financial charges65/66B€292€333▲
Recurring financial charges65€292€333▲
Profit (loss) for the period before taxes9903€94k€77k▼
Income taxes67/77€28k€19k▼
Profit (loss) for the period9904€66k€58k▼
Profit (loss) for the period to be appropriated9905€66k€58k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€58k▼
Transfer from equity791/2€11k€20k▲
Transfer to equity691/2€65k€58k▼
To other reserves6921€65k€58k▼
Profit to be distributed694/7€11k€20k▲
Return on contributions (dividend)694€11k€20k▲
Directors or managers695€660-
The notes to these accounts (6 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
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €92k ▲62.4%
Operating result €129k, net result €92k, both a record.
31-12
Financial
Equity above €500kEq €513k ▲21.8%
4 profitable years in a row build equity to €513k.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 9current ratio 21.34
Current ratio from 2.43 to 21.34; short-term debt falls from €62k to €6k.
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 1 day late
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Gent · 1 establishment unit since 2004
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.
Millinocketstraat 469000 GentGround area
662 m²
Building footprint
89 m²
Volume, LiDAR
1,060 m³
Parcel 44021A2980/00V000, Flanders · tallest building 14.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
OPAYRA
since 20042.136.974.039
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A2980/00V000 | Flanders | 662 m² | 1 · 89 m² | 14.9 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
MILANCO
BE 0891.828.391
Knokke-Heist · Eq €640k
VILACOMMS
BE 0835.433.284
Beersel · Eq €640k
EXSTRA
BE 0892.311.908
Chaumont-Gistoux · Eq €640k
ARTOR
BE 0878.084.877
Liège · Eq €640k
MARIELE INVEST
BE 0841.037.015
Torhout · Eq €640k
Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 32,359 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-03-2004
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.