Opdecam Bouw
ActiveThe computed 12-month bankruptcy probability of Opdecam Bouw is 1.8% (moderate). The 2025 annual accounts show equity of €499k and a net result of €35k. Equity is growing by ~20.3% per year across the filed fiscal years. Its solvency ranks better than 53% of 27386 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
72
/ 100
Healthy▲ +12 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▲+35
Solvency83▼-16
Growth52=
Stability94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.49 against 2.09 in 2024), and 50.3% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
49.7%
Return on assets
3.5%
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 10-07-2026, 21 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
21 d early
2024
24 d early
2023
2 d early
2022
3 d late
2021
47 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
€499k▲ 7.6%
2024 · €464k
2021: €118k
2022: €278k
2023: €478k
2024: €464k
2021 → 2025
Total assets
€1.01M▲ 35.5%
2024 · €742k
2021: €494k
2022: €656k
2023: €837k
2024: €742k
2021 → 2025
Net result
€35k
2024 · €-14k
2021: €68k
2022: €160k
2023: €200k
2024: €-14k
2021 → 2025
Working capital
€246k▼ 11.0%
2024 · €276k
2021: €88k
2022: €122k
2023: €273k
2024: €276k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€118k-€278k▲ 136%€478k▲ 72.0%€464k▼ 2.9%€499k▲ 7.6%
Operating result€85k-€219k▲ 157%€286k▲ 30.6%€-13k€44k
Net result€68k-€160k▲ 136%€200k▲ 25.1%€-14k€35k
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 2025: €44k after a loss of €13k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.01M
Fixed assets
€254k▲ 19.5%
Current assets
€752k▲ 41.9%
Equity and liabilities €1.01M
Equity
€499k▲ 7.6%
Debt
€506k▲ 82.0%
The debt ratio rises from 37.5% to 50.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€104k▲
2024 · €31k
Cash flow
€95k▲
2024 · €30k
Solvency
49.7%▼
2024 · 62.5%
Current ratio
1.49▼
2024 · 2.09
Quick ratio
0.14▼
2024 · 0.51
Debt / equity
1.01▲
2024 · 0.60
ROE
7.1%▲
2024 · -3.0%
ROA
3.5%▲
2024 · -1.9%
Interest coverage
149.23▲
2024 · 29.29
Debt
€506k▲
2024 · €278k
Debt ≤ 1 year
€506k▲
2024 · €254k
Income taxes
€8k
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€742k€1.01M▲
Fixed assets21/28€212k€254k▲
Tangible fixed assets22/27€209k€251k▲
Plant, machinery and equipment23€158k€143k▼
Furniture and vehicles24-€84k
Leasing and similar rights25€51k€24k▼
Financial fixed assets28€3k€3k▼
Current assets29/58€530k€752k▲
Stocks and contracts in progress3€401k€681k▲
Stocks30/36€401k€681k▲
Amounts receivable within one year40/41€44k€54k▲
Trade receivables40-€200
Other amounts receivable41€44k€54k▲
Cash at bank and in hand54/58€80k€6k▼
Deferred charges and accrued income490/1€5k€11k▲
Equity and liabilities
Total equity and liabilities10/49€742k€1.01M▲
Equity10/15€464k€499k▲
Contributions10/11€50k€50k=
Reserves13€428k€449k▲
Distributable reserves133€428k€449k▲
Profit (loss) carried forward14€-14k-
Amounts payable17/49€278k€506k▲
Amounts payable after more than one year17€24k-
Financial debts170/4€24k-
Amounts payable within one year42/48€254k€506k▲
Current portion of amounts payable after more than one year42€26k€24k▼
Trade debts44-€5k
Suppliers440/4-€5k
Other amounts payable47/48€227k€477k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€59k▲
Other operating charges640/8€972€1k▲
Gross operating margin9900€32k€105k▲
Operating profit (loss)9901€-13k€44k▲
Financial income75/76B€144€193▲
Recurring financial income75€144€193▲
Financial charges65/66B€1k€695▼
Recurring financial charges65€1k€695▼
Profit (loss) for the period before taxes9903€-14k€44k▲
Income taxes67/77-€8k
Profit (loss) for the period9904€-14k€35k▲
Profit (loss) for the period to be appropriated9905€-14k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€22k▲
Profit (loss) brought forward from the previous period14P-€-14k
Transfer to equity691/2-€22k
To other reserves6921-€22k
The notes to these accounts (9 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-14k ▼107%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €200k ▲25.1%
Operating result €286k, net result €200k, both a record.
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
31-12
Financial
Equity above €200kEq €278k ▲136%
2 profitable years in a row build equity to €278k.
14-06
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, Herzele · 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.
Evendael 47b9550 HerzeleGround area
1,884 m²
Building footprint
183 m²
Volume, LiDAR
1,158 m³
Parcel 41027A1347/00A000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OPDECAM BOUW
since 20212.313.259.463
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41027A1347/00A000 | Flanders | 1,884 m² | 1 · 182 m² | 8.8 m · 2 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 to 2025 · 2 entries · 573 EUR awarded · 573 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 105 EUR | 105 EUR |
| 2024 | 1 | 468 EUR | 468 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 15,430 companies in sector 43990 we hold annual accounts for 7,352. 4,522 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-2021
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.