Operando
Operando is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €86k and a net result of €49k. Equity is growing by ~29.5% per year across the filed fiscal years. Its solvency ranks better than 20% of 1204 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €86k |
| Net result | €49k |
| Better than sector | 20% |
| Active | 3 yrs |
Mixed profile: strong on profitability, weaker on health.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 10.5% | 47.4% | |
| Net result | €49k | €44k | |
| Equity | €86k | €84k | |
| Gross operating margin | €119k | €70k | |
| Staff costs | €0 | €8k |
| Fiscal year | 2025 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €49k |
| Cash flow | n/a |
| Staff costs | €0 |
| Income taxes | €16k |
| Dividends | €49k |
| Total assets | €820k |
| Equity | €86k |
| Debt | €734k |
| of which ≤ 1y | €334k |
| of which > 1y | €399k |
| Working capital | n/a |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 10.5% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 6.0% |
| ROE | 56.6% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €820k |
| Fixed assets | 21/28 | €753k |
| Tangible fixed assets | 22/27 | €753k |
| Current assets | 29/58 | €67k |
| Amounts receivable within one year | 40/41 | €55k |
| Cash & bank | 54/58 | €3k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €820k |
| Equity | 10/15 | €86k |
| Contributions / capital | 10/11 | €5k |
| Reserves | 13 | €81k |
| Accumulated profits (losses) | 14 | €0 |
| Amounts payable | 17/49 | €734k |
| Amounts payable after one year | 17 | €399k |
| Amounts payable within one year | 42/48 | €334k |
| Trade debts payable within one year | 44 | €24k |
| Income statement | ||
| Gross operating margin | 9900 | €119k |
| Operating result | 9901 | €92k |
| Financial charges | 65 | €27k |
| Result before taxes | 9903 | €64k |
| Income taxes | 67/77 | €16k |
| Net result for the period | 9904 | €49k |
| Result to be appropriated | 9905 | €49k |
| NACE primary | Financial services(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 18-08-2022 |
| Status | Active |
| Postal code | 9240 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42402C0530/00D000 | Flanders | 1,602 m² | 1 · 244 m² | 8.0 m · 2 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
05-06-2026 General meeting · Officer resignation · Officer appointment · Mandate term
- Filing: 2026-05-29 · Operando
- General meeting: 2026-05-11 · Operando
- Officer resignation: date: 2026-05-11, role: niet-statutaire bestuurder · Sven Schepens
- Officer appointment: date: 2026-05-11, role: niet-statutaire bestuurder · Dominique De Caluwé
- Mandate term: onbepaalde duur · Dominique De Caluwé
- Mandate compensation: onbezoldigd · Dominique De Caluwé
- Seat change: to: Kamershoek 31, 9240 Zele, date: 2026-05-11, from: Albert I laan 70 bus 1.04, 8620 Nieuwpoort · Operando
- Permanent representative: date: 2023-03-31, role: vaste vertegenwoordiger · Dominique De Caluwé
- Publication: 2026-06-05
- Act object: Zetel (zetelverplaatsing) - Benoemingen - Ontslagen
Technical details
{
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"quote": "NEERLEGGING TER GRIFFIE VAN DE ONDERNEMINGSRECHTBANK GENT ... 29 MEI 2026",
"value": "2026-05-29",
"object": null,
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},
{
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"object": null,
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},
{
"type": "officer_resignation",
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{
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},
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"value": "onbezoldigd",
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{
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"object": null,
"subject": "e1"
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{
"type": "permanent_representative",
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"value": {
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{
"type": "publication",
"quote": "Belgisch Staatsblad - 05/06/2026",
"value": "2026-06-05",
"object": null,
"subject": null
},
{
"type": "act_object",
"quote": "Onderwerp akte: Zetel (zetelverplaatsing) - Benoemingen - Ontslagen",
"value": "Zetel (zetelverplaatsing) - Benoemingen - Ontslagen",
"object": null,
"subject": null
}
],
"act_meta": {
"model_id": 40,
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"ocr_chars": 2565,
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"needs_verify": true
},
"entities": [
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"kind": "company",
"name": "Operando",
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{
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]
}22-08-2022 Incorporation of a new BV
Technical details
{
"kind": "oprichting",
"seat": "Albert I laan 70 bus 01.04, 8620 Nieuwpoort",
"schema": "v3.2",
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"founders": [
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"org": null,
"kind": "natural_person",
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"dob": "1968-08-10",
"name": "Sven Aviel Julia SCHEPENS",
"niss": null,
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"subject_company": {
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"initial_directors": [],
"incorporation_date": "2022-08-18",
"post_incorporation_mandates": []
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameNL | Operando |