OPB MANAGEMENT
ActiveOPB MANAGEMENT has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €-3k. Equity is shrinking by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 91% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
78
/ 100
Excellent▲ +26 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 7.14 against 11.0 in 2024), and 7.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 2025Solvency, return and age of the figures
Solvency
92.8%
Return on assets
-8.2%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€3k
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
24 d early
2023
22 d early
2022
17 d late
2021
30 d late
2020
31 d late
2019
115 d late
← 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
€33k▼ 8.1%
2024 · €36k
2018: €46k
2019: €43k
2020: €42k
2021: €43k
2022: €42k
2023: €44k
2024: €36k
2018 → 2025
Total assets
€36k▼ 4.7%
2024 · €38k
2018: €46k
2019: €44k
2020: €43k
2021: €44k
2022: €44k
2023: €45k
2024: €38k
2018 → 2025
Net result
€-3k▲ 63.5%
2024 · €-8k
2018: €-2k
2019: €-3k
2020: €-1k
2021: €1k
2022: €-336
2023: €3k
2024: €-8k
2018 → 2025
Working capital
€16k▲ 11.1%
2024 · €14k
2018: €35k
2019: €34k
2020: €33k
2021: €34k
2022: €13k
2023: €18k
2024: €14k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€42k▼ 0.8%€44k▲ 4.5%€36k▼ 18.2%€33k▼ 8.1%
Operating result€1k-€-292€3k€-8k€-3k▲ 64.4%
Net result€1k-€-336€3k€-8k€-3k▲ 63.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €8k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€17k▼ 20.6%
Current assets
€18k▲ 17.5%
Equity and liabilities €36k
Equity
€33k▼ 8.1%
Debt
€3k▲ 80.9%
The debt ratio rises from 3.8% to 7.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€2k▲
2024 · €-3k
Cash flow
€2k▲
2024 · €-4k
Solvency
92.8%▼
2024 · 96.2%
Current ratio
7.14▼
2024 · 11.00
Quick ratio
7.14▼
2024 · 11.00
Debt / equity
0.08▲
2024 · 0.04
ROE
-8.8%▲
2024 · -22.2%
ROA
-8.2%▲
2024 · -21.4%
Interest coverage
14.88▲
2024 · -27.74
Debt
€3k▲
2024 · €1k
Debt ≤ 1 year
€3k▲
2024 · €1k
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€38k€36k▼
Fixed assets21/28€22k€17k▼
Tangible fixed assets22/27€21k€17k▼
Land and buildings22€9k€9k=
Furniture and vehicles24€268€38▼
Other tangible fixed assets26€12k€8k▼
Financial fixed assets28€750€750=
Current assets29/58€16k€18k▲
Amounts receivable after more than one year29€3k€3k=
Other amounts receivable291€3k€3k=
Amounts receivable within one year40/41€7k€6k▼
Trade receivables40€5k€4k▼
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€6k€9k▲
Equity and liabilities
Total equity and liabilities10/49€38k€36k▼
Equity10/15€36k€33k▼
Contributions10/11€6k€6k=
Reserves13€37k€37k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€35k€35k=
Profit (loss) carried forward14€-6k€-9k▼
Amounts payable17/49€1k€3k▲
Amounts payable within one year42/48€1k€3k▲
Trade debts44€772€217▼
Suppliers440/4€772€217▼
Taxes, remuneration and social security45-€623
Taxes450/3-€623
Other amounts payable47/48€658€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Gross operating margin9900€-3k€2k▲
Operating profit (loss)9901€-8k€-3k▲
Financial charges65/66B€123€114▼
Recurring financial charges65€123€114▼
Profit (loss) for the period before taxes9903€-8k€-3k▲
Profit (loss) for the period9904€-8k€-3k▲
Profit (loss) for the period to be appropriated9905€-8k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-9k▼
Profit (loss) brought forward from the previous period14P€2k€-6k▼
The notes to these accounts (5 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-8k ▼393%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 17.34
Current ratio from 8.30 to 17.34; short-term debt falls from €2k to €1k.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €1k
Net result €1k after 3 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
23-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 115 days late
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Braives · 1 establishment unit since 2003
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 Grande 5/B4260 BraivesGround area
694 m²
Building footprint
168 m²
Volume, LiDAR
1,432 m³
2 parcels, Flanders, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OPB MANAGEMENT
since 20032.123.446.893
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64017A0188/00L000 | Wallonia | 457 m² | 1 · 88 m² | 10.6 m · 3 fl. |
| 22002A0334/00X000 | Flanders | 237 m² | 1 · 79 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,386. 35,153 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2002
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.